vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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:
XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXXXXXX XXXX : Account No. is XXXX ( {$73000.00} ), XXXX : Account No. is XXXX ( {$89.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$1900.00} ), XXXX XXXX XXXX XXXX , Account No. is XXXX ( {$100.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$250.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$250.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$460.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$290.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$130.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$460.00} ), XXXX : Account No. is XXXX ( {$530.00} ), 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Purchased a used car which was financed through credit acceptance ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX which I purchased from Initial XXXX XXXX XXXX XXXX XXXX NY XXXX The total amount financed was {$11000.00}. My car was wrecked and was a total loss, the insurance company paid {$8400.00} to credit acceptance on XX/XX/23, my service contract refunded {$890.00} and {$1600.00} to credit acceptance on XX/XX/23, my gap insurance paid them {$35.00} on XX/XX/23. I made a payment to credit acceptance on XX/XX/23 of {$270.00}, XX/XX/23 of {$270.00} and another payment of {$270.00} on XX/XX/23 a total of {$11000.00}. Leaving a credit of {$400.00}, but credit acceptance is telling me that the loan is not paid off and that I still owe them {$6600.00} in interest which would of been the cost of the loan had I paid it over the full term of the loan. I feel this is predatory lending and a violation of the consumer fair credit act.

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 2023-03-24 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: MI

Complaint narrative:
I am in the PSLF program. My federal student loans were previously serviced by XXXX XXXX prior to being transferred to Mohela. My complaint is against Mohela. 

Prior to the XX/XX/2022 PSLF waiver deadline I submitted a PSLF application and a loan consolidation application. Because my loans were being transferred a third servicer, XXXX, processed my consolidation. It was complete XX/XX/2022. Mohela showed the correct total of my loans shortly after that consolidation was complete. I realized I needed to add a couple additional loans to the consolidation and was within the 180 day window. Mohela advised XXXX would process my Add-loan application. I received confirmation they completed that application XX/XX/2022. Shortly after my add-loan application was submitted my balance on Mohela 's website changed and I only see the loans that were previously consolidated. The loans that were added are not visible. This also reset my PSLF count so I now have no idea how many months I have credit for. 

I have contacted Mohela multiple times about updating my add-loan consolidation to show an accurate balance but they continue to give me excuses as to why it's not yet complete. I have uploaded the documents from XXXX showing the completion as well as total balance, I have called and done a conference call between Mohela and XXXX, I have submitted complaints internally with Mohela, I have spent countless hours on hold and speaking with multiple representatives as well as Supervisors at Mohela. I have been told the process can take 30-60 days and also 60-90 business days, either way it has been more than that since my add-loan application was completed by XXXX. Mohela can not tell me when it will be complete or why it's being delayed. 

Attached to this complaint are six pages of documentation from XXXX confirming the data and dates described above. I have submitted this information to Mohela also but still have not received an update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing is deliberately mailing statements late, so they can illegally charge late fees. Today is XXXX/XXXX/XXXX and I have not received my statement. I have never been late, however, Select Portfolio Servicing continually violate my civil rights by unnecessary harassment and lies, among other violations of my civil rights. I have a paper trail of deceit from Select Portfolio Servicing. And I also have my own paper trail, that will prove their deceitful practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: MI

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.XXXX {$8500.00}. XXXX {$3500.00} have validated 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 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. 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 2023-03-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Victim of identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The account is in the Fresh Start Program anything over 7 years must be removed from credit report. It has been a total of 12 years I contacted Department of Education and they told me they would remove it they also told me to dispute is on my credit so I did the reported it as accurate this account should not be on my credit report it is stopping me from living basically I cant get a house because of this I need help

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 2023-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I have an account with NetCredit and I took out a withdrawal for XXXX by mistake, which was my fault ; however the checking account that I have my NetCredit account tied to is closed and no longer active. The XXXX was never received because I don't even have that account anymore. NetCredit says I got the money. I DID NOT RECEIVE any funds! Now they are wanting me to make a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-24 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: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I was supposed to have a credit card through Avant , LLC coming in the mail. I was traveling out of country for two months, when I came back I received a credit card statement with purchases more than {$800.00} dollars. I called the company to explain to them that I wasn't home for such a period of time, and I received a statement which I didn't do I did not purchase and used that card. The credit card 's representative took my complaint and sent another card with a different number, and the card was keeping charging through XXXX XXXX  and elsewhere, even though it was in my possession. I called the company again and again to fix the issue, I even sent them a certify letter in order to take my complaint serious nothing happened, one of the managers for that night said : she reported it " as fraud '' instead of reported as fraud the credit limit was {$1500.00} now it is way over limit with an amount of {$1900.00}. The card should be cancelled at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: SUNCOAST CREDIT UNION
State: OH

Complaint narrative:
on Thursday evening about XXXXXXXX XXXX a charge of {$1000.00} was made on my Mastercard by Suncoast Credit Union, a Florida Corporation. I never made such a request for this charge or gave authorization. I was notified shortly after by Mastercard about this charge and said it was not legitimate. They stopped payment and are in the process of issuing me a new card. 
This morning I contacted Suncoast but could not obtain any info due to my refusal to give them my SSN. I contacted the Attorney General Office in Florida this morning, they have no complaints about Suncoast and directed me to contact your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I opened a CC with PayPal Credit. My limit was XXXX. I adjusted the limit to XXXX, so once I paid off the balance of around {$3000.00}, I would close it. I noticed that I was being charged interest on purchases that were returned, racking up hundreds of dollars in unnecessary interest and not receiving full refunds for my returns. I have tried to have this issue fixed since XXXX and I keep being told that it will be fixed next billing cycle, and it has not. So, I don't know my true balance and they keep charging interest on returns.

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 2023-03-24 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am not familiar with this company. I have never done business with this company before. I have never signed any contract nor taken out any loans from this company. What they sent me was proof of loan from XXXX XXXX bank. Which was charged off back in 2020. Due to financial hardship because of Covid-19. I have also sent them several cease and desist letters Which they have felled to acknowledge. Ive also asked them to credit my credit report by removing the negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have a claim open for a missing item for XXXX with XXXX XXXX  XXXX and pnc I still have her to get my money back XXXX XXXX denied the appeal and XXXX  closed it after sending to them so I opened with my bank and its been over 90 days and still no refund for this missing item that the XXXX  driver misplaced and admitted to misplacing I am very unhappy its been over 5 months since this happened and nobody is helping attached is the tracker and form From XXXX  driver he bought for us file and sign Im waiting for order number again by email from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2023 approximately XXXX, I woke up to a text notification from capital one about an order being place from Walmart . Since I didn't place any order, I immediately called capital one to inform them that there was a fraudulent charge of {$100.00} from Walmart, and they deactivated my credit card and gave me a new credit card. When I investigated further I tried to log onto XXXX but my account was deactivated, so I checked my email and there was an email stating my account was deactivated, I called Walmart to report the fraudulent charge and to reactive my account which they did, but told me they don't give refunds, I have to contact my credit card company. I've called capital one several times for them to refund my money, they'll adjust it then charge it back several times, so I finally decided to make a complaint and hoping I can get my money back. I have attached the email from Walmart about account deactivation, screenshot of the time I.ve called capital one the moment I knew someone fraudulently used my account, the order the thieves made and capital one statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I withdrew {$100000.00} from my American Express Savings Account, which was debited from the account on XX/XX/23. I was supposed to receive the money by bank check. On XX/XX/XXXX, when I still had not received the check, I called the bank, was put on hold for a long time and was eventually told to give it a few more days. The person I spoke to could not tell me when the check was issued, when it was mailed, and whether it had been cashed. On XX/XX/XXXX, when the check still had not arrived, I called the bank again and was put on hold for over three hours while the customer service representative tried to reach someone at the bank who might be able to help. Eventually, we decided that I would fax her a stop payment order, which I did the evening of XX/XX/XXXX. On XX/XX/XXXX, I called back and was disconnected after 30 minutes. I called back again and they confirmed that the bank check had not been cashed. They also confirmed that they had received the stop payment order but it was in a queue waiting to be processed. I requested that they credit me with the lost interest on the {$100000.00} and they refused to do so. I asked to speak to a supervisor during this call, and after being placed on hold for a very long time, was told a supervisor would call me back. That has not happened. It is now more than a month since the {$100000.00} was taken out of the account and despite the fact that they've had the stop payment form since XX/XX/XXXX, the money has not been put back into the account. A second problem I encountered with Am Ex is that during the XX/XX/XXXX phone call, I instructed the bank to wire {$100000.00} to another bank. They took all the information yet the wire transfer never happened. When I inquired about this during my XX/XX/XXXX call, they said I had cancelled the wire request which is absolutely not true. At least that money was not taken out of the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am writing to dispute fraudulent information that has been reported on my credit file. I recently reviewed my credit report and found several accounts that I did not open or authorize. This indicates that my identity may have been stolen, and fraudulent activity is taking place using my personal information. 

The following accounts were not opened or authorized by me : # 1 XXXX XXXX Last reported XX/XX/2023 {$870.00} # 2 LVNV FUNDING LLC Last reported XX/XX/2023 {$320.00} # 3 XXXX XXXX XXXX Last reported XX/XX/2023 {$110.00} I did not apply for any of the above accounts and have no knowledge of them. This indicates that someone has obtained my personal information and used it for fraudulent purposes. 

I am requesting that these accounts be immediately removed from my credit report, and that all related charges and fees be removed as well. I am also requesting that you investigate this matter further to determine the source of the fraudulent activity and take appropriate action to prevent it from happening again. 

Please provide me with a written confirmation of the outcome of your investigation, and any actions taken to correct the fraudulent activity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Regenerate response

Company response to consumer: Closed with explanation