vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: ID

Complaint narrative:
I have repeatedly called and officially requested a XXXX  payment statement of my student loans to Mohela. Each time they tell me 2-3 weeks via mail though nothing ever arrives and when I call back they say there is nothing on my account saying I requested the statement. Because of this I havent been able to get payment reimbursed from my employer. 

On XX/XX/year> I called Mohela to change my repayment plan from SAVE to Ext Fixed Repayment Plan. The customer service rep put me through the application process and I was approved. On XX/XX/year> I received a letter from Mohela saying my acct was being put in administrative forbearance. On XX/XX/year> I received another letter about administrative forbearance ending in 45 days. I did not ask for any forbearance. On XX/XX/year> I received a letter stating my new payment plan and that I am again in the SAVE program. I applied for and was approved to be in the Ext Fixed Plan. Obviously this is not being done. 

Please assist me in these matters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been an Amazon XXXX/Chase credit card customer since XXXX ( maybe prior since the statements only go back that far. When I signed up for this credit card I was promised 5 % cash back on orders from XXXX which was fulfilled until XX/XX/XXXX. At this point the card reverted to earning 3 % back which is what card owners get if they are not an Amazon XXXX member. However, my membership status never changed and neither did the payments for it via this Chase credit card. I recently only noticed this was happening and called Amazon immediately who updated my account on their end so that I can earn the proper rewards points going forward. They saw exactly what I did and confirmed I should have been receiving 5 % the last 5 years. They told me to call Chase who I have now spoken to several times with no resolution or explanation for why they will not honor the terms of the credit card agreement I signed. 

Even on Chase 's end when I call ; the employees can see my XXXX membership payments on my statements each year and acknowledged the same thing Amazon did. However, when I contacted them via their secure message system they just would deny my request and not give an explanation. Furthermore they would just reiterate the terms of the agreement ( all of which I have met ). 

This has cost me hundreds of dollars potentially in cash back I was promised. As far as I am concerned Chase is in breach of the contract I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to express my deep frustration and concern regarding the continued reporting of unverified and unauthorized negative accounts on my credit report. Despite my previous disputes, these incorrect items remain, causing significant damage to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I had paid this account in full once I realized the original creditor was mine. I need this now removed off of my credit report please in a timely manner as company agreed to remove the collection account upon me paying off the debt completely. Im in process of trying to buy a home and need this removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Portofolio recovery for sevral years had tried to collect a debt that was opened by fraud. 
They have never sent me a piece of paper with any proof of my owning this acount.They sent me a bill stating this was mine. They have never proven legal ownership in any way yet they continue to say it's mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My complaint is of misleading tactics to charge higher interest on promotional interest balances before the end of the promotional period. 

My account had a promotional interest rate of 0 % that was set to expire on XX/XX/year>. The balance that promotional interest rate applied to was PAID ( payment posted to the account ) on XX/XX/year>. My XX/XX/year> statement then including interest charges totaling {$87.00} based on that promotional amount, despite the balance being paid before the expiration of the promotional period. 

I spoke with a Capital One representative on XX/XX/year> and they repeatedly stated that the company could average the balance for the billing period and charge interest on that, regardless of the fact that the balance was under a promotional percentage rate and paid off before the end of the promotional period. The representative confirmed that the promotional rate did not end until XX/XX/year> and that the promotional balance was paid in full on XX/XX/year>. 

When the representative refused to refund the interest charges to my account, I sent a written request for the same request to the company. The written request was mailed via XXXX on XX/XX/year> via certified mail. It arrived to the company on XX/XX/year>. I have received no response from the company in response to my written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this letter to whom it may concern to dispute these inaccuracies on my credit report and I demand that they be deleted from my credit report expeditiously. I've been a victim of identity theft and didn't make these inquires. The items are below that I demand to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Everi Payments Inc.
State: WV

Complaint narrative:
I used my Visa credit card at an ATM machine at the XXXX XXXX XXXX in Maryland... the machine was owned by Everi. I tried obtaining {$500.00} cash withdraw and the machine processed the transaction and stated, " Approved '', ask if I wanted a receipt inwhich I stated no and then the machine DID NOT dispense the cash. The transaction showed pending immediately with my credit card company. I brought this to the immediate attention of the XXXX XXXX XXXX and they researched and stated the machine showed that the transaction " declined '' and " did not dispense cash '' ... 3 days later the transaction posts to my account and I was charged {$500.00} plus bank fee for this transaction. 

I made contact with XXXX the company who owns the ATM machine and they stated after researching that the machine dispensed the money and I had to file a fraud transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX card company ). I filed a fraud complaint. 

I then made contact with XXXX XXXX and ended up speaking with their Finance XXXX who audited the machine and also had security review the footage and it was confirmed that I DID NOT receive the {$500.00} and she stated XXXX different reports from their system showed XXXX different things, XXXX showed dispensed and the other showed not dispensed. But again surveillance footage proved that I DID NOT receive the money from the ATM. Instead of immediately reversing the transaction and returning my money, I'm being forced to continue my dispute through my credit card company to be made whole. The XXXX did offer to issue me a check for {$500.00} but wanted me to drive 3 hours total round trip to get it or they could mail it to me, but did not offer compensation for the ATM fees nor the cash advance higher interest that I would be charged by my XXXX XXXX for XXXX XXXX XXXX to 14 day turn around. 

It is also important for me to note that this is the second time I have experienced an ATM problem at XXXX XXXX XXXX and using these EVERI ATM machines! This needs investigated because clearly this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have never lived at the address listed on the papers they sent me. This belongs to my son not me. I have tried to explain this to this company and all they do is send me my sons rental agreement. This needs to be removed from XXXX and XXXX before I take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, my stolen SSN was used to take over my Capital One account. I immediately alerted Capital One and attempted to secure my account with a verbal password. 

Since then, the identity thief has re-taken over my account at least six ( 6 ) times, using my stolen SSN and other PII to call into Capital One Customer Service, change my account 's phone number to theirs, and re-take over my account. Despite multiple calls to Capital One about this issue : * Not once has any customer service rep asked me for my verbal password, indicating they did not ask the identity thief either * Capital One CSRs repeatedly allow the attacker to regain control of my account despite a long established history of fraudulent takeover attempts on my account I've since closed my credit and fraudulently opened Capital One bank accounts, but my Capital One web account is still active and still being taken over by the identity thief. This provides the identity thief with access to my credit score through Capital One 's CreditWise. Capital One has already been used as a pivot point to take over my bank accounts, as it alerts the identity thief to where my bank accounts are. Capital One still lets this threat persist and still grants the identity thief access to my credit reports, furthering the risk of lateral movement to my other existing accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
I'm trying to make a XXXX a month arrangement to pay XXXX  something dollars but they keep trying to make me pay a bigger amount threatening me if I don't the will size my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief