vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FactorTrust, Inc.
State: PA

Complaint narrative:
Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased a bed through XXXX XXXX and was told there was going to be a 100 day in-home trial to make a final decision on the bed that was purchased. However, when I was conclusive that I was not happy with the bed I chose due to practicality and a significant unfavorable difference in price, was told that the base/ bed frame I had purchased was " final sale '' and not able to be returned ( which was never disclosed to me ). Therefore, had I changed my selection to what was more fitting to my wife and I, would have been left with an expensive adjustable base/ bed frame with a mattress that would not be adjustable. Basically paying for an item that I could not even use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/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 2024-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I have a question about my student loan and I dont really dont know who to turn to. 

To make a long story short, I originally borrowed {$24000.00} between XXXX and XXXX. To date I have paid {$27000.00} of the loan back. I have faithfully paid my payments for 14 years only having to do a forbearance 2 or 3 months for the life of the loan. I even paid my normal monthly payments for the 3 years during covid in which I didnt have to and no interest was suppose to be accruing. 

Currently, I still have {$28000.00}. I feel like Im getting ripped off. I never expected to loan to be given to me but this is ridiculous. I feel like its predatory lending. 

Do I have any recourse? 

Any assistance or guidance you can give me would be much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a Chase Slate credit card. I've had it for about 20 years. It is a line of credit that was at XXXX since XXXX. My husband began using it without my knowledge in XXXX. He used it for entertainment, car repairs, hotels, utility bills, etc. He changed the password to his own, had the invoices going to his own email that I didn't know about. He paid the Slate Chase card through his mobile phone monthly, through our joint checking account. I never checked our joint checking account as he was reponsible to pay our bills through our joint checking account with my paycheck that was directly deposited and his XXXX check that was deposited into our joint checking. He charged the Slate Chase card up to {$32000.00}. I found out about these charges the day after his death. He died on XX/XX/XXXX. I went to Chase the day after he died so I could take over paying our bills and this account popped up that I haven't used since XXXX. I reported it as fraud. Chase said I'm responsible for it as he's my spouse and I benefitted from the charges. I no longer have his income as I am a XXXX year old widower.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I opened a credit card with Apple card from Goldman Sachsin XXXX ( hereafter known as Apple card ). I made a couple of purchases using my iphone which had gotten automatically linked to the Apple card. I should have gotten a monthly statement of bill by mail to make my card payment. I did not get any such bill for months. They were sending statement by email which was going to my SPAM folder so I was not aware. As I was not aware of the monthly due amount I was unable to pay the bills. Apple Card finally after 90 days of not receiving the payment reported it to credit reporting agecies which adversely affected my 830+ score which had been meticulously built over the last 2 decades.

In all the time not once did Apple card mail me a bill or a notice of past due to my home mailing address. If they had I would have paid the bill right away. I found out about the outstanding bill when a mortgage company pulled my credit report and saw this late ite. I was surprised and taken aback. I settled the bill including interest right away upon learning of it. 

I wrote to apple card to show a one time consideration to withdraw the delinquency to not impact my impeccable credit history but they refused. This is clearly their fault for not having corresponded by mail when a bill was due. 

I request your help in restoring my credit history. I am in the market to buy a home and it is impacting my ability to get a good mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
What happened was that I was receiving mortgage assistance since XX/XX/XXXX for 18 months and throughout that time the App to make payments was blocked, which is good to avoid errors or double payments since the account is configured for automatic payments. In XX/XX/XXXX I made several calls ( should be recorded ) to the bank ( loss mitigation department XXXX Land Home Financial Services. I sent several emails so they could release the App so I could start making payments. They never fixed the problem, which resulted in a late payment that was not my fault, since after the account was unlocked ( XX/XX/XXXX ) I made 3 payments in a row : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The account is currently paid on time. 
After that they sent me an email ( XXXX XXXX, XXXX ) to let me know that by law they had to report it to the credit bureau, hurting my credit unnecessarily. There was no goodwill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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 USC 1681.

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 non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The companies XXXX XXXX account number XXXX and XXXX account number XXXX accurante information is on my credit report from this company the days late section is different from all three bureaus and i will like to have them deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: NC

Complaint narrative:
The companies XXXX XXXX account number XXXX and Moneylion account number XXXX accurante information is on my credit report from this company the days late section is different from all three bureaus and i will like to have them deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On or about XX/XX/year> a new collection was added to my credit report with the 3 major credit report. The account was opened fraudulently by a third party as part of an identity theft. I contacted the original creditor listed ( XXXX XXXX ) to explain same. I filed an identity theft claim with the FTC and my local police department ( XXXX Police Department ). I sent copies of these reports as well as all other info requested to XXXX XXXX at the link provided as well as to all 3 major credit bureaus as part of disputes on XX/XX/year>. The 3 major credit bureaus have refused to remove the fraudulent account that was opened using my stolen information. I have complied with everything asked of me as part of this identity theft and in accordance with the Fair Credit Reporting Act the creditor has violated my rights under : 15 U.S.C 1681 section 602. The consumer reporting agencies have furnish an account without my written instructions and refuse to remove the fraudulently opened account. The Police report provided by the XXXX Police Department provided is # XXXX. Also attached are the identity theft report filed with the FTC. The credit reporting company Equifax just updated the report noting that it changed ownership to a collection agency rather than removing it. The credit reporting agency shows as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase credit card offered 10 % back on purchases from XXXX XXXX or XXXX of upto {$500.00} purchases within a predetermined time. A purchase of {$500.00} and no credit was applied and account shows that the promotion was not redeemed though all requirements were met. Called chase for clarification on theissue and was told that it appeared that all requirements were met and they did not know why credit was not applied. They informed me that promotions were collaborations between chase and merchants and would need to look into the matter further, when pressed on when the matter would be resolved they did not provide a time frame and when asked for charge from merchant to be deferred till the matter was resolved they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: ID

Complaint narrative:
On XX/XX/2023 I made a lump sum payment of {$11000.00} to Mohela in order to pay off 2 of my student loans ( Loan Sequence # XXXX and # XXXX ). I received a statement dated XX/XX/2023 claiming that I only paid off XXXX of those loans ( Loan Sequence # XXXX ) but that I still owed a total of {$210.00} on the loan ( Loan Sequence # XXXX ). I contacted Mohela via phone about a possible mistake with the payment, and they claimed the amount that I owed was correct so I made a direct payment towards Loan Sequence # XXXX in XX/XX/2023 in the amount of {$210.00} prior to the payment due date. I reviewed a bill letter from Mohela dated XXXX stating that they had received my payment of {$210.00} towards Loan Sequence # XXXX, but that I still owed a total of {$2.00} even after I used their payoff calculator to help me determine the payoff costs of my loan. I contacted Mohela twice in regards to the issue via phone on XX/XX/XXXX & XXXX, 2023 and they told me the issue would get resolved, but that it could take anywhere from XXXX days to resolve. I made a follow-up call to Mohela on XX/XX/2023 with no new update. Finally, after the issue had not been corrected I filed a complaint with the XXXX XXXX XXXX The XXXX helped me mediate the conversation with Mohela, but nothing was ever resolved. Instead of correcting my issue, Mohela made financial adjustments to my account to where I paid off Loan Sequence # XXXX instead of Loan Sequence # XXXX, but no instead of owning {$2.00}, I owed the completed {$210.00} again. Numerous messages and documents were sent to Mohela showing that this was incorrect, and eventually XXXX closed the complaint stating that Mohela was making their best effort to correct the issue. Only then did Mohela reverse their financial adjustments to reflect my initial payment of {$11000.00} which paid off Loan Sequence # XXXX and part of Loan Sequence # XXXX. The only issue now is that Mohela is claiming that I never paid the {$210.00} at all even after I've showed them documentation of payment through bank statements and their own website. Now Loan Sequence # XXXX is accruing interest on {$210.00} and not {$2.00}, even though this loan should have been paid off with Loan Sequence # XXXX initially back in XXXX of 2023. Mohela has been participating in some unethical and shady business practices when it comes to student loan payoffs or disclosing the actual amount due by their customers, and has been dragging their feet for months when it comes to making any meaningful corrections to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX ACCOUNT # XXXX, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX ACCOUNT # 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 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 non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX ACCOUNT # XXXX, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX ACCOUNT # 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 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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I opened a credit card with XXXX card from XXXX XXXX XXXX ( hereafter known as XXXX XXXX ). I made a couple of purchases using my iphone which had gotten automatically linked to the XXXX XXXX I should have gotten a monthly statement of bill by mail to make my card payment. I did not get any such bill for months. They were sending statement by email which was going to my XXXX folder so I was not aware. As I was not aware of the monthly due amount I was unable to pay the bills. XXXX XXXX finally after 90 days of not receiving the payment reported it to credit reporting agecies which adversely affected my XXXX score which had been meticulously built over the last XXXX decades. 

In all the time not once did XXXX card mail me a bill or a notice of past due to my home mailing address. If they had I would have paid the bill right away. I found out about the outstanding bill when a mortgage company pulled my credit report and saw this late ite. I was surprised and taken aback. I settled the bill including interest right away upon learning of it. 

I wrote to apple card to show a XXXX time consideration to withdraw the delinquency to not impact my impeccable credit history but they refused. This is clearly their fault for not having corresponded by mail when a bill was due. 

I request your help in restoring my credit history. I am in the market to buy a home and it is impacting my ability to get a good mortgage.

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