vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has dumped tons of fraudulent accounts on my credit reports and these accounts were moved years ago and all them were placed back on them the same time time same month in middle the summers I have been sending documents and police reports and FTC reports at my own expense and Im seeking legal actions with this bureau they never fixed my credit reports and hanging up my phone calls and didnt remove any bad accounts off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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 U.S.C 1681. 

Account Name : 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 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 XXXX XXXX XXXX has violated my rights. 



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 follow items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-4 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MD

Complaint narrative:
XXXX : Mohela was called, I requested a XXXX dollar refund for payments made in allowable refund period. 

Twice I called to ensure the refund was still processing, 10 days and 30 days after the initial call. There is no longer any way to contact them, I have called and waited on hold for up to XXXX hours and XXXX minutes. I can no longer trust that my refund is being processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I am a legally XXXX XXXX that has had suffered identity theft. My XXXX include mental and physical, meaning that i spent all my education until High School under special education due to my capabilities. My brain damage does not allow me to read, write nor comprehend any paragraphs of any form. 
Been legally XXXX since i was XXXX XXXX XXXX and my medical records are living proof of it. I collect social security XXXX benefits for that reason, the credit bureaus keep sending all collections to collection agencies and it seems like i cant get them off my hair. They are aware of my mental limitations and XXXX and they still keep sending reading and signing material to me. I am mentally challenged and they can verify that by having their legal and medical departments contact or subpoena my medical records. 
I meed this to be repaired or taken off my credit report that has affected my adult life. I had to spend XXXX years being homeless due to my credit incorrect reports. I am basically having troubles getting a decent life due to that problem. I demand some assistance so i can qualify for some decent and better life as it is my right. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
report number XXXX for chime dispute from XXXX XXXXXXXX. chime gave me a {$1.00} check in the mail and sent the check back to chime because that is not the right amount im looking for the amount for the check is {$1000.00} & {$1900.00} the dispute item that was unexpected charge on my chime credit card account from 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in filing disputes for all inaccuracies on my credit report with Experian.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally Financial, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Main Financial. On XXXX XXXX XXXX are giving me credit inquiries I wasnt aware of and some of them are even checking my credit twice which I wasnt aware of either. They have made my inquiries go to 25+ and I wasnt aware of this.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
I have reached out to this company many times asking them to validate everything on my credit report and to furnish me with the original documentation/ invoices so that I may take the next step. This company has refused to send me what I have requested, yet still states that the information has been validated. This has not only caused me distress but embarrassed me as well as the reason why I was checking my report in the first place to move to another place. I was denied due to what was seen on my transcript. This company has continuously refused my pleas to send me proof of how these erroneously accounts are being verified.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
I have reached out to this company many times asking them to validate everything on my credit report and to furnish me with the original documentation/ invoices so that I may take the next step. This company has refused to send me what I have requested, yet still states that the information has been validated. This has not only caused me distress but embarrassed me as well as the reason why I was checking my report in the first place to move to another place. I was denied due to what was seen on my transcript. This company has continuously refused my pleas to send me proof of how these erroneously accounts are being verified.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, 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: NC

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 U.S.C 1681. 

Account Name : XXXXXXXX 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 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 XXXX XXXXXXXX has violated my rights. 



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 follow items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-4 ( 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 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I attempted to do business with a company called XXXX in XXXX of 2021. This was supposed to be a vacation club offering high end vacation packages at a discount price. The total amount of this package was {$7800.00}. I was never provided with a contract or any proper disclosures, only some vacation brochures and a non working usb drive that was supposed to have a contract on it. I had to pay a down payment of {$780.00}. After not being able access my account for a month I was finally able to log on to attempt to book a vacation. After access to the online account is when I realized this company was a total scam. I immediately called them in XXXX to cancel and get a refund. I was told that I could not cancel and that my deposit was not refundable. After a few attempts to escalate the situation I finally gave up and said the can keep my deposit but I dont want anything to do with this company. At this point Ive paid {$780.00} and received nothing. I thought to myself that this was just the price I have to pay for getting scammed. I Over a year later I see my credit report has collection for over {$10000.00}. I reached out to Monterey collection agency ( the company reporting the collection ) to dispute the collection with no success. This has been a nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
This vehicle was repossessed in XX/XX/22 and taken to auction, yet credit acceptance is still reporting the full balance to my credit. I have contacted them on numerous occasions regarding this with no remedy. I was only a co-signor and not the sole owner of this vehicle.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/2022 I sent XXXX Services a validation request for two accounts they have reported on my credit. I received no response so on XX/XX/2022 I followed up with a letter requesting validation of debt. Still no response. In XXXX I sent Experian a request to validate the alleged accounts. 
I have not received any communication from experian regarding this investigation request. Yet they have updated the comments on my credit report that investigation was done. 

Not only has Experian not responded they are reporting a collection account inaccurately. 
Ive included a copy of all letters sent to bc services and Experian as well as both accounts credit report highlighting errors.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX are giving me credit inquiries I wasnt aware of and some of them are even checking my credit twice which I wasnt aware of either. They have made my inquiries go to 25+ and I wasnt aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, One Main Financial. On XXXX XXXX XXXX are giving me credit inquiries I wasnt aware of and some of them are even checking my credit twice which I wasnt aware of either. They have made my inquiries go to 25+ and I wasnt aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Hi, JP Morgan Chase owes me a points refund in Ultimate reward points for airline tickets I had purchased and the flight was canceled. In the past 1 month, I have called the credit card services at Chase 3 times now and spent over an hour on each call explaining what the issue is. Every time I was told it will be resolved in XXXX hours but it has not been resolved yet. 

I have an email ( attached with the complaint ) from the last agents stating : " We have sent a request to have the XXXX points to be manually adjusted to your VISA card XXXX. In addition, we also requested a one-time courtesy compensation of XXXX goodwill points to be adjusted to the card mentioned above. '' I am not sure how many more times am I supposed to reach out to the bank after receiving confirmation from three different agents that they owe me the points. 

Any help from CFPB in this matter is greatly appreciated. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am a legally XXXX XXXX that has had suffered identity theft. My XXXX include mental and physical, meaning that i spent all my education until XXXX XXXX under special education due to my capabilities. My brain damage does not allow me to read, write nor comprehend any paragraphs of any form. 
Been legally XXXX since i was XXXX XXXX XXXX and my medical records are living proof of it. I collect social security XXXX benefits for that reason, the credit bureaus keep sending all collections to collection agencies and it seems like i cant get them off my hair. They are aware of my mental limitations and XXXX and they still keep sending reading and signing material to me. I am mentally challenged and they can verify that by having their legal and medical departments contact or subpoena my medical records. 
I meed this to be repaired or taken off my credit report that has affected my adult life. I had to spend two years being homeless due to my credit incorrect reports. I am basically having troubles getting a decent life due to that problem. I demand some assistance so i can qualify for some decent and better life as it is my right. 
Thank you 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 2022-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Greetings, Im in a dispute with Truist Mortgage because they categorized my forbearance as a deferral without my knowledge, and without my signatory agreement.

By doing this, Truist has negated my reward of mortgage relief from the California Mortgage Relief Program. The funding amount of my mortgage relief was {$26000.00}, and by acting in bad faith, Truist has labored me with the full burden of that delinquency.

The California Mortgage Relief Program was designed to help homeowners such as myself who were affected by the pandemic, and I feel that Truist is acting unfairly in denying me the funds which the XXXX deemed rightfully awarded. 
Dealing with Truist has been a challenge. They provide no direct access to their staff, and each attempt to request clarification or to demand remediation has been met only with long hold times followed by discussions with clerks who, having no previous knowledge of the complicated and likely erroneous path which led to this situation, invariably have put me on hold while they seek guidance from their supervisors, only then to promise to look into my case and to get back to me. My attempts to communicate with Truist via email were responded to thusly : Please note, for security reasons, we are unable to communicate via email. 
Im contacting your organization in the hope that I will find assistance in requesting from Truist some form of remediation by which the XXXX will be informed that the information previously received by them from the lender was in fact in error, and that Truist now has the ability and volition to receive from XXXX the {$26000.00} which they, Truist, previously declined. 
Please find attached several pertinent documents. I also have available other records of correspondence with and notices from Truist, which may or may not be of value in arguing my case. Please feel free to request any verification of dates or actions. 
Thank you for your assistance in this matter, Sincerely, 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 non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: VA

Complaint narrative:
Used the Discover App to pay my Discover Card bill ( {$140.00} XX/XX/22 ) Payment accepted Payment subsequently rejected, per customer service " you may have mistyped the account number '' Charged {$30.00}. Customer service and supervisor refused to refund Closed account and paid off balance. 

If the payment was rejected for insufficient funds, a fee is understood and acceptable. In this case, there assumption is that I mistyped the account code into the app. The code came back " account not found ''. Discover could not determine what went wrong with processing the payment and could not demonstrate that this was my error. However, even if so, mistyping an account code into the Discover app is very different from 'bouncing ' a check. 

I was not notified in a timely fashion Discover reps said " they are unable to confirm '' at the time of processing. " Sorry '' There was no warning that using the app exposes the user to a risk of a {$30.00} charge if the payment fails to process for any reason. 
Had I used my bank 's system instead, this would not have occurred -- the app is a trap. 

Bottom line : using the Discover app to pay the bill should not expose the customer to the taking of money if the payment fails to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
I contacted Fortiva Credit Card Company about some fraud charges that was on my account that was racked up to around {$1100.00}. A few months later after looking to see what my monthly bill was going to be, I noticed that the fraudulent charges got put back onto my account. I called and was stated that a notice was sent to me & I should wait till it comes in the mail. Few days later I received a letter for Fortiva saying that the amount is being sent to collections and I need to pay that amount.I was never told in a letter that the charges was denied or a reason behind them. When I tried to call them about new fraud charges the representative didn't send the paperwork that was needed to file the new fraud charges because as she stated " a case was already opened and closed, therefore we don't need to reopen on. '' A month after this letter was sent out to me, they closed the account. They stated that the account was closed for being over said limit and this letter was sent out last month ( XXXX ) and was being sent over to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation