vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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:
In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
Last year a debt collection was added to my credit that I did not recognize. I immediately called the agency and asked for a verification letter. Months went by and I never got one. I called them back again. A gentleman by last name XXXX answered I explained the situation and they dated they would send me the letter. A few weeks later after many calls and him saying hes has the file and will send it shortly he sent me a file via email that looked like he typed it himself. I have since tried to reach out to the company to get actual proof of this debt with no luck. Theyre all rude unprofessional and never respond to any calls or voice mails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT HAS PLACED A COLLECTION ON MY CREDIT REPORT. I NEVER CONTRACTED WITH THEM. I KNOW THAT THEY BEING SUED FIR MORE THAN {$24.00} XXXX DOLLARS FOR FRAUDULENTLY DOING BUSINESS. THEIR BUSINESS PRACTICES ARE TO HARM CONSUMERS AND I AM BEING AFFECTED BY THIS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex scammed me on additional card member fees. When I signed up for additional card members I made it clear to the agent that the cards would only be useful to me if I could get the priority pass benefit by XX/XX/XXXX. The agent assured me that I could. By XX/XX/XXXX I was still unable to get the priority pass benefit promised to me. I canceled the additional cards. American Express still scammed with a {$170.00} for these cards I never used and never activated. This is a fraudulent charge from American Express themselves. They just completely lied about this benefit and when it would be available. They have since refused to refund this fraudulent {$170.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC Systems has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to ic systems.ic systems placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 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 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Ive been disputing inaccurate/ wrong/ error information that is being reported on my TransUnion Credit Report. 

On XX/XX/2023, XXXX Responded to my complaint/ dispute that I submitted through CFPB portal for the same reasons. Upon completion of XXXX investigation into the matter, XXXX responded that they found that the accounts were inaccurate and or did not belong to me and had deleted several accounts and updated my personal information. 
I am asking TransUnion to do the same so that all three bureaus are reporting the same accurate and true information. 

I want TransUnion to take note of what XXXX has done upon completion of their investigation and I hope TranUnion can follow with updating my credit profile so it is reflecting true and accurate information. Currently it is WRONG. The information they are furnishing on my report is WRONG and is hurting my negatively. I have the right to have accurate and true information. I have the right to dispute inaccurate and wrong information. Again XXXX did a complete investigation and responded that they deleted the accounts I disputed and updated my personal info. Im asking TransUnion to do the same!

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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
XX/XX/XXXX I applied for an Apple Card through an article found on appleinsider.com and it stated that I would be able to receive {$75.00} in XXXX XXXX by clicking their referral link, creating a card and making a purchase within 30 days. Given the incentives I made an account and I have noticed that I did not receive the credit after making a purchase and when I called the customer support they continued to deny my claims and insisted that I did not qualify due to terms and conditions that I did not follow, such as that I applied for the card before the offer became available. After being transferred to XXXX different representatives, they changed the rhetoric saying that I simply didn't qualify for the credit, which didn't make any sense as my family all applied on the same day as I have, while adhering to the same rules and conditions and they were able to receive their {$75.00} in XXXX XXXX. After an unsuccessful resolution I received a follow up email, stating almost the same thing as mentioned on the phone however the email now states that I needed to receive the offer directly through an email they would send me as well as " spend ( ing ) {$75.00} or more in total on the new Apple Card account within 30 days of opening '', It also states that I needed to apply for the card between XX/XX/XXXX - XX/XX/XXXX. None of these terms and conditions were stated anywhere in the referral link to the Apple Card application and when I revisited the exact page on Apple 's website these kinds of information remain missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
Victim of identity theft, I've contacted credit card company also made a police report and sent them. I don't know the person or how they retrieved my information! I also contacted the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. 

This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : XXXX XXXXXXXX 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 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: AR

Complaint narrative:
MOSAIC FINANCE CLAIMS TO HAVE UNDERWRITTEN A LOAN TO ME FOR A SOLAR SYSTEM INSTALLATION ON MY HOME ON XXXX.  THE LOAN PROCESS APPLICATION WAS APPLIED FOR IN MY HOME ONLINE WITH THE ASSISTANCE OF A SALESPERSON FROM THE NOW-FAILED SOLAR COMPANY, XXXX XXXX XXXX XXXX XXXX XXXX.  MOSAIC ENTERED INTO A FINANCING AGREEMENT FOR XXXX XXXX CLIENTS.  

AS OF XXXX, XXXX  BEGAN BILLING ME FOR THE MATERIAL SECTION OF THE LOAN AT XXXX A MONTH.  MOSAIC CLAIMS IT PROVIDED FUNDS TO PURCHASE MATERIAL TO XXXX XXXX.  TO DATE, I HAVE NO EVIDENCE THAT SUCH FUNDS WERE PAID TO XXXX.  IF IN FACT THE FUNDS WERE ISSUED TO XXXX, I CONTEND IT WAS MADE ERRONIOUSLY BY MOSAIC DUE TO THE FACT THAT THEY KNEW THAT DOCUMENTED LEGAL COMPLAINTS WERE BEING MADE AGAINST XXXX.  XXXX XXXX IS CURRENTLY BEING
SUED BY THE ATTORNEY GENERAL OF XXXX  FOR NEFARIOUS BUSINESS TACTICS AGAINST XXXX  HOMEOWNERS.  THE COMPLAINT LISTS COMPLAINTS GOING BACK THROUGH XXXX.

I WAS CONTACTED BY A MOSAIC REPRESENTITIVE WITH THE INTENT TO GATHER FACTS ABOUT ANY MATERIAL OR LABOR PERFORMED BY XXXX.  I EXPLAINED THAT I HAD RECEIVED NOTHING.  I ASKED HIM FOR FURTHER ASSISTANCE, AND HE EXPLAINED THAT HE COULD OFFER NOTHING AND THAT I WOULD BE CONTACTED BY A RISK REPRESENTATIVE AT SOME POINT.  

TO DATE, I HAVE NOT BEEN CONTACTED BY ANY MOSAIC REPRESENTITIVES IN REMEDIATION OF THIS ISSUE.  I CONTINUE TO GET BILLS AND LATE PAYMET NOTICES.  I RECEIVED AN EMAIL, AND I AM ATTACHING HERE DOCUMENTS PERTAINING TO SOME FORM OF ASSISTANCE.  HOWEVER, NO SUCH ASSISTANCE WAS EVER PROVIDED.

IT IS MY OPINION THAT MOSAIC MAY HAVE OR MAY NOT HAVE ISSUED FUNDS, BUT THEY ARE BILLING ME ANYWAY FOR A LOAN WITH THEIR FULL KNOWLEDGE OF XXXX XXXX FINANCIAL COLLAPSE AND POSSIBLE FRAUD AGAINST CONSUMERS.  

MOSAIC
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX and is reporting fraudulent account and misleading tradelines I have know knowledge of an obligation to them. 

Pursuant to 15 USC 1692a ( 3 ) as a consumer I am not obligated nor responsible to pay you this NOTICE is to inform you that I refuse to pay the alleged debt that you are attempting to collect in the amount of {$1400.00}. You are now on notice to cease and desist all communication. attempting to collect on this account is racketeering activity according to 18 U.S.C 1961 ( 1 ), also your conduct is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. You are also in violation of 15 U.S. Code 1692f for putting your logo on the letter sent to me. I am aware of XXXX XXXX XXXX/ Employees using material misrepresentation for their financial gain which is in fact fraud. I am also aware that my SSN Number belongs to the social security Administration and anything purchased with that identifying number is an obligation of the UNITED STATES in accordance with 18 USC 8 and being that XXXX XXXX XXXX XXXX/agents is attempting to collect an alleged debt from me the consumer makes you guilty and in violation of the False clam act XXXX use XXXX - XXXX. I am invoking my specify remedy as a consumer pursuant 15 USC 1692c ( C ) and I am demanding you do the following..

Cease communication from me and from all mediums Within 5 days Provide Validation of Debt pursuant to 15 U.S.C 1692g Notarized Ledger from accountant with firsthand knowledge.

Four Flow Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I filed XXXX debit card disputes with PNC on XX/XX/XXXX and XX/XX/XXXX due to issues with merchants not applying refunds/credit not received after cancellation. PNC did not give me a temporary credit to my account for either claim, so I reached out to have it expedited due to family emergency/hardship situation Im dealing with. PNC support does not allow me to speak directly to the disputes department when I call. Even after finding a direct phone number, I was routed to regular customer service as they dont deal with customers. The customer service representatives are not knowledgable about the claims process and cant give any direct updates about the cases- they call over to the disputes department that Im unable to be directly transferred to. The first customer service agent I spoke to informed me the expedite was denied directly by the disputes department after calling over. Customer service agent XXXX also informed me that due to the nature of the dispute being a merchant dispute for a refund not received, it doesnt qualify for a temporary credit at all and it cant be expedited. I was told to wait 45 days for the dispute to be resolved or work it out with the merchant, which is against Regulation E. The regulation requires all financial institutions in the US to provide a temporary credit if the dispute is not resolved within XXXX business days, regardless of the dispute reason, as long as the transaction was made with a debit card its covered. I have sent all of the the required documentation to win these disputes ( email screenshots from the merchants confirming cancellation of order, refund is owed ). PNC needs to issue my temporary credit or resolve this dispute in my favor within the XXXX business day time frame of these claims being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: OH

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-29 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: CA

Complaint narrative:
I began the repaying my loans in XXXX, I began teaching in XXXX as well. 

I learned about the PSLF program in XXXX, I was sadly denied because I had the wrong loan type. 
I began paying in XXXX and never missed a month. 

I learned about the Waiver in XXXX of XXXX, I consolidated my loans into Direct loans with XXXX XXXX XXXX and verified my employment. I was well over the 120 payments at this point and was actually making payments during the pause. 

My loans transferred over to Mohela in XXXX, yet I still was never give credit for the payment I have made. 

My loans sat with Mohela with zero movement and no waiver being applied. 

I reached out to Mohela through Chat last week and was told I was denied by accident and they would push my form back through. 

The next day I received a payment tracker showing only 1 payment qualifies and told it will take 90 days for payments to update. 

My loans have beyond satisfied the PSLF program, I never missed a payment for 19years, yet my paperwork was lost and not applied.

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My phone was lost on XX/XX/23 on a XXXX ride to my home. I had not report the phone lost in the hopes of the phone being returned to me. Instead what happened was the person who found my phone possibly this XXXX XXXX somehow got into my phone and started sending money from my bank of america app on my phone to herself. She added herself to my XXXX contacts and sent XXXX dollars to herself and then sent XXXX dollars to herself. I saw this happening in real time from my house and I immediately changed my passwords to everything and locked my card to prevent this person from stealing anymore money from my account. Bank of America has denied my claim because they said the device use to send the money is consistent with transactions seen in the past. However, I have never sent any money of that high of an amount to anybody ever in my entire time with Bank of America. Also the fact that the contact was added so quickly and money sent right away to this person should be seen as suspicious as well.

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 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive noticed unauthorized inquiries and, accounts on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.

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

XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX, Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX, Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX, Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX, Inquiry : 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 co
nsumer 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 t

han 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