vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I enrolled in American Express car rental protection insurance on XX/XX/2023. I told the Sale Representative/ Customer Service what I needed and my situation. The Sale Representative/Customer Service told me to use my American Express credit card at the rental agency XXXX  and said " Something like a Pre Authorization will activates the insurance ''. The rental car had an accident on XX/XX/2023. I filed the claim on XX/XX/2023. 

However, on XX/XX/2023 denied my claim as the following reason : " Our records indicate that an enrolled American Express card was not used to pay the rental fee for the Rental Car. Therefore, the above referenced activation requirement was not met.An authorization of {$100.00} was held and refunded therefore was not charged as a portion of the rental fee to the eligible card. XXXX XXXX XXXX was charged in full for the rental of {$320.00} per the Closed Rental Agreement ". 

From my perspective, American express Sale Representative knowingly Misled me and/or misinterpreted/Did not classify the insurance terms when I enrolled the insurance in the first place. Otherwise, I will purchase XXXXXXXX XXXX XXXX to cover the rental car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: KY

Complaint narrative:
Mulitple Late payments that can not be found with XXXX XXXX. 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 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 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 2023-04-18 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: OH

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 XXXX XXXX XXXX  Acct # 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 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 2023-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I turned in my Public Service Loan Forgiveness information early last year and had to consolidate with XXXX. XXXX moved to Mohela. I have been working for the XXXX XXXX since XXXX of XXXX constant employment. Prior to having to consolidate for the loan forgiveness waiver, I only had 1 servicer which was XXXX which I paid and have history on payment since XXXX ( before PSLF even started ). Between Dept of Education and Mohela, nobody is processing the remaining payments I have and it's been nearly a year. BOTH the DoEd and Mohela should have my entire file and payment history, my employment has been certified already and my payment tracker has been stuck at XXXX since before mid XXXX. I do not get responses beyond they are working it, I have had complaints with the dept of ed that were closed without resolution and supposedly I had to file a reconsideration ( which I shouldn't have had to do ) but Dept of Ed approved that and said they adjusted something that I have never seen. On the flip side, on a XXXXXXXX page for this topic, multiple times a day there are people posting hundreds of thousands of dollars worth of loan forgiveness for themselves in files that were submitted much longer after mine with me having no resolution. I do not know if Mohela is incentivized to process large value loans first ( I have $ XXXX ) but there is no reason I should not have been processed yet. One employer, one payment history back to XXXX with the entire XXXX payment history uploaded to XXXX and dept of education who has a hand in this. I should not be a year later and still waiting on my payments to post and have forgiveness when I am over payment and over the time period required for forgiveness. Please help. It was stated early on that those of us in the public servant arena with the 120 payment already done would be processed first, yet a year later, no forgiveness and no status, DoEd closes complaints without resolution and supposedly nobody knows anything about my file. I am either being ignored since I filed complaints or I am because I do not have over 100K in debt to forgive. Either way, please help. I put in my time, I should have been easy, I had no issues and always paid

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 2023-04-18 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: TX

Complaint narrative:
Im accordance with the Fair credit Reporting Act 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 rights to privacy 15.U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish without my written instructions

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is illegally reporting late payments on my consumer report. i have tried over and over to get them to correct this with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: EdFinancial Services
State: KY

Complaint narrative:
Mulitple Late payments that can not be found with XXXX XXXXXXXX  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 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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I applied for an Indigo Mastercard on/around XXXX as recommended via XXXX XXXX  . Per Indigo, they would provide me a decision within 7 business days. I contacted Indigo and was advised by a representative that I needed to provide a copy of my state Id front and back and upon the company receiving it my application would be approved. I have faxed over my IDs multiple times and for a while the company claimed to not have relieved it. I eventually was told that they did have it and it would take an additional 7-10 business days. I ended up receiving an email from Indigo on XX/XX/23 which stated that my application was not approved because they couldnt contact me. I called back on XX/XX/23 and requested to speak with the application department because NO ONE tried to call me. And if so, this would be my attempt to contact the company back to complete whatever verification process they needed to to confirm I was the applicant so my application could be approved. I was told by a rep AND a supervisor that there is no one I can speak to directly about this and that someone would call me back. A few days later I called AGAIN and spoke to another super who said the same thing. I wasnt able to be transferred to anyone and shed send an email for someone to call me but that they dont always return calls. How is this acceptable that a company can claim they tried to call me but never did and then when i respond to the email and also the letter which clearly states to call if I have questions there is no one I can speak to? Either process my application and Ive provided yous with the information you requested, let me complete whatever else you need to verify my Id or take the credit inquiry off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMB FINANCIAL CORPORATION
State: KS

Complaint narrative:
On the XXXX of XX/XX/2023 I made a cash deposit through an ATM at a UMB Bank. I used my XXXX debit card as the intended account to receive the funds. I deposited approximately {$250.00} and the ATM took the cash ; However, it indicated a technical error had occurred and the funds were unable to be deposited. The ATM then asked me to estimate the dollar value of the funds I deposited and produced two receipts instructing me to bring these to the bank. I have included a scanned copy of the front and back of these receipts. 

Due to my job, I was unable to let the bank know until the XXXX of XXXX. I brought the receipts to the same UMB Bank where the ATM was located and was told that I must reach out to XXXX as this is a problem on their end. I reached out to XXXX the same day who informed me the ATM I had used is not a " XXXX '' ATM and so XXXX is not able to receive the funds and showed no history of funds being received. 

I returned to the UMB Bank on the XXXX of XXXX and they again told me this was on XXXX and that I needed to fill out a formal dispute form through XXXX which would then be handle by UMB. I asked XXXX for this form and they told me they do not have this form and that there isn't much they can do as they have no history of funds being received. XXXX offered additional assistance and I provided them a copy of the ATM receipts I've included here. They said it's unlikely they'll be able to do much but will try reaching out to UMB. 

The UMB Bank and ATM mentioned is located at XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX. 

Incase the attachments are not able to be opened, I'll include what details I can. 

Front 1 .... 
Date : XX/XX/2023 Time : XXXX XXXX XXXX Deposit Exception Record Deposit Amount : {$250.00} To : Savings One or more deposit items were unable to be returned due to a technical problem. We Apologize for the inconvenience. 

Front 2 .... 
Date : XX/XX/2023 Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : {$0.00} CASH DEP. - SAVINGS INVALID TRANSACTION 115 Page 1 of 1

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is illegally reporting late payments on my consumer report. I have tried over and over to get them to correct this with no luck.

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 2023-04-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: CA

Complaint narrative:
This debt appeared on my credit report in XX/XX/XXXX under the name XXXX XXXX XXXX XXXX. I contacted them to find out what the debt was as I had no knowledge of this account. They stated the debt was from an account XXXX XXXX XXXX. I had made them aware of my last contact with check into cash in person and of my payment to them which XXXX confirmed they saw. They then stated this appeared to be an online transaction after that date and I let them know I did have an incident of fraudulent activity after my last contact and it was noted on all accounts and my credit report for the last 7 years. In the same instance, all my checking accounts and credit cards during that period have been closed and I do not have records. I found it interesting this appeared after that note was no longer on my report. They then offered to validate the debt which in XXXX of XXXX, they sent me a letter stating they were unable to validate the debt and was removing the account from my credit report. I just opened a letter from Plaza Services LLC. stating I needed to provide them with a " voluntary '' identity/theft report on this same account. The letter enclosed was dated XX/XX/XXXX. I called them today and they stated XXXX is their affiliate for payments and they are the parent company. That they do not count the debt as being not validated and again I HAD to send the voluntary information in. I did inform them this account had been removed by XXXX from my credit report. It is not showing on my credit report at this time. The representative did not want to put in my request for validation of debt. In response I have sent an email requesting a validation of debt from them since they stated XXXX was not them. However, I am confused why they stated they are the parent company of XXXX and that if I paid XXXX it would be accepted but XXXX saying the debt was not validated is NOT accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
Eastern account systems just responded to a complaint here/ Im adding it all They claimed to YOU a government agency that they are asking for XXXX from me. 
They just lied to you. Oh my credit report they have it listed as XXXX. Im adding that as well. Since when can a bogus company lie to a government agency See attached

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not Account number XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time.is my understanding that you must verify these items with the reporting agency .if they are unable to provide the proof or if lacking proof of these payments being late.please update my payment history to PAANL status paid as agreed never late according to consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Debt collector Midland has recently contacted me about a debt they state belongs to me. They said it was from a payday loan place called XXXX XXXX XXXX made back in XXXX. I told them that It was not me and it must be a mistake at which point I requested additional documentation such as how it was made, proof of where the money was sent to etc. They refuse to send me any documentation and demanded that I pay them. I told them I am not paying something that I was not responsible for. I am not sure what is happening and I am very concerned as I know I did not take out a loan. I've literally requested them to send me everything that the have so that I can review it. At this point they are hanging up on me. This is not how you properly handle businesses. Accusing someone of a debt that they have no knowledge of. I've never received not one letter or notice of this. They are just calling and harassing me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Made a purchase on my comenity express credit card on XX/XX/XXXX for XXXX. I Returned the item on XXXXOnly purchase I made of billing cycle so balance should have been XXXX and no payment should have been due. On XX/XX/XXXX I was charged a late fee of XXXX. I called customer service and was told they would waive the fee and and interest and account would be at XXXX and assured me I needed to do nothing else on my end and was in good standing. However I was charged a {$2.00} interest charge on XX/XX/XXXX and then another late fee of XXXX on XX/XX/XXXX and another interest charge of {$2.00} on XX/XX/XXXX. I called customer service again today XX/XX/XXXX hoping to resolve issue to no resolve and was only willing to waive one late fee. I have nothing to show for the {$57.00} they are billing me for as the pants I had purchased were returned. I had been told my account was XXXX out and was in good standing and no action was needed from me. I feel I was mislead by customer service and basically being charged for nothing and have nothing to show for it. Even tried speaking with a supervisor with no luck resolving the issue. I would just like my account zeroed out and closed as I have done everything on my end to try and resolve the issue. I have been a customer since XXXX and never had issues in paying late fees when I was at fault. I would expect in customer service an understanding of situation and a willingness to compromise when a king good standing customer is reaching out and being upfront about situation. Very disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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