vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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: NY

Complaint narrative:
I see on my credit report that my transaction history is being reported. As per 5USC 552a, the Privacy Act of XX/XX/1974, and 16 CFR 313, I invoke my right to protect my privacy and for XXXX and credit reporting agencies to uphold the law, that includes XXXX transunion and 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 2024-01-18 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: NY

Complaint narrative:
I see on my credit report that my transaction history is being reported. As per 5USC 552a, the Privacy Act of XX/XX/1974, and 16 CFR 313, I invoke my right to protect my privacy and for XXXX and credit reporting agencies to uphold the law, that includes experian XXXX and 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 2024-01-18 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: EdFinancial Services
State: CO

Complaint narrative:
I paid EdFinancial, my XXXX Loan Servicer, my payment due amount of XXXX on XX/XX/2023 and XX/XX/2023. To date, those payments have not been applied. 

I provided proof of payment on or about XX/XX/2023 for the XX/XX/2023 payment, and then proof for both payments again on or about XX/XX/2023. 

Both payments were debited from my bank account as expected.

I've received no correspondence from them on the matter, other than a 30 past due notice, which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NJ

Complaint narrative:
In XXXX, I made two lump-sum payments to my loans with XXXX. For this reason, my due date was pushed back to XX/XX/XXXX. However, when my loans were switched to MOHELA for the purposes of the Public Service Loan Forgiveness ( PSLF ) program, they reset my payment date to XX/XX/XXXX. I am filing this complaint because MOHELA should honor my original due date. I should not owe payments last or this year, as I should receive credit for the payments I made ahead. I contacted them about this and they did not offer me an explanation for resetting the due date nor a resolution to this matter. 

In addition, I'd like to make a complaint that as I was trying to work with MOHELA to provide an answer to this issue ( and to the fact that they placed me on the SAVE plan without my consent or request ), they placed my account on the wrong type of forbearance, resulting on XXXX and XX/XX/XXXX not counting toward my PSLF count. I was advised on more than one occasion by customer service representatives that they were placing me on an administrative forbearance and that months during that time would count.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have 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
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( s ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. PLEASE DELETE the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting a late payment on XXXX ... this is a 30 days late payment that i dont recognize as mine, because i never been late on this account. If yes, you must to send me proof for this late payment...

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 2024-01-18 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: PA

Complaint narrative:
Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and to find out I have this now on my list is really XXXX breaking. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: PA

Complaint narrative:
Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and to find out I have this now on my list is really XXXXXXXX XXXX. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges.

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 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Trust Management LLC
State: AL

Complaint narrative:
Calling numerous people harrassing my family telling them they are going to file a case on me. Calling my parents on XX/XX/23 saying i used them as a reference and that is false

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Attach is a copy of XXXX stating to remove this XXXX account of my transunion credit report and I notified transunion of this and this collection is still reporting on transunion. I need this account removed immediately.

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 2024-01-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express AMEX card XXXX expires XX/XX/30 security code XXXX Amount {$25.00} Current Balance {$1.00} I purchased this gift card and was able to use it only one time on XXXX. It has a {$1.00} balance and I have not been able to use it in any store as it gets declined. I have asked retailers to only charge {$1.00} but the card still gets declined by AMEX. I have called AMEX and was told nothing is wring with the card and try again. But it continues to be refused

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/24 I received a email from WePay that my withdrawal from them into my account had failed but all previous transactions went through without issue. There is no reason for this. I contacted Chase Bank and they told me WePay closed my account ( which I just opened earlier this week ) and will be holding my funds for 120 days. I run XXXX XXXX XXXX  and can not operate at all without those payments first. {$410.00} is what they owe me. Immediately. Previous funds went through successfully so there is XXXX reason to hold this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have recently initiated disputes regarding certain accounts on my credit report that I believe are inaccurately reported. However, I have encountered significant delays and stall tactics in the resolution process, which has raised serious concerns about TransUnion 's compliance with the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. Upon reviewing my credit report, I have identified accounts that do not belong to me and appear to be inaccurately reported. As a responsible consumer, I promptly filed disputes with TransUnion to rectify these errors and ensure the accuracy of my credit information. However, the response I have received thus far has been unsatisfactory, marked by what I can only describe as stall letters that seem to prolong the resolution process unnecessarily. It is crucial to emphasize that under the FCRA, consumers have the right to dispute inaccuracies on their credit reports and expect a timely and fair investigation. The purpose of this process is to maintain the accuracy and integrity of credit reports, enabling consumers to make informed financial decisions. TransUnion 's apparent delay tactics not only undermine the intent of the FCRA but also create unnecessary stress and uncertainty for consumers like myself. Furthermore, I am deeply concerned about the failure to validate the accounts in question. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation into the accuracy of disputed information. By not validating the accounts that I dispute, TransUnion is not fulfilling its obligation under the law, and this raises questions about the integrity of the credit reporting process.I urge TransUnion to take immediate action to address these issues and ensure a prompt and thorough investigation into my credit report disputes. I believe that the resolution of these matters is not only in my best interest but also crucial for upholding the principles of fair and accurate credit reporting.

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 2024-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
On XX/XX/2024 I received an email from Synchrony Bank that my Lowes Advantage credit card was now going charge a {$1.00} fee to my account for each paper billing statement sent to me starting in XXXX XXXX  To avoid this fee, I had to set up paperless statements. 
I called Synchrony bank to verify that this was true and not a scam email, and they confirmed that it was true. They did give me a paper statement accommodation so that I can continue to get paper statements without the fee, but what about everyone else??!! What about elderly that aren't good with computers or those people with unreliable internet? 

This is not fair to charge the consumer to get a paper statement! I don't feel that I have reliable email to get the notifications of estatements. So many of my emails are caught in the spam filter and put in the junk folder. I would not want to miss paying a bill because I didn't get the email prompt to pay the bill. Further, I hate to click on links in emails because I am worried about spams and fraud. Daily, I get so many emails that are clearly fraudulent wanting me to click on links etc trying to gain access to my computer or whatever. 

I am very hopeful that your agency is able to do something to stop credit card companies from trying to charge customers to get paper statements! The US postal service is far more reliable than internet! With the fees and interest that credit card companies charge for late or missed payments, forcing consumers to only get estatements or pay to get paper statements seems unfair! 

Thank you for your time in reading this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
Hi there, I have tried multiple times in the past three months to make my student loan payment through Aidvantage and each time I get an email confirmation that my payment has been processed, and then a few days later my account shows a payment reversal. I don't even get a notification or email that the payment has been reversed until I log-in and take a look at the account. I have sufficient funds in my bank account so I know it has nothing to do with having enough funds- and have now received three letters of delinquency from Aidvantage threatening to share with a collections agency because each time I think the payment goes through - it actually doesn't. After looking at my bank statements, I see that the payment is never even sent to my bank account for processing and when I spoke to my bank they confirmed that they have absolutely no record of a payment transaction at all from Aidvantage. When I try to get in touch with Aidvantage customer service, they are absolutely no help. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received an alert XX/XX/24 from XXXX XXXX XXXX XXXX who holds my home mortgage loan and credit card regarding a hard inquiry of my credit score initiated by Bank of America on XX/XX/24. I called XXXX on XX/XX/24 and they notified me that a Bank of America credit card application was made. I called Bank of America on XX/XX/24 and was told that it was a XXXX XXXX XXXX XXXX Credit Card that was opened with an allotted balance of {$5000.00}. Bank of America informed me that the credit card application was made using my maiden name. I requested a copy of the credit card application on XX/XX/24 and Bank of America said it will be mailed to me after I submit Identity documentation and sign an affidavit and they were unable to tell me the email used and unable to mail me a copy of the credit card application.

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 2024-01-18 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: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I have my debit card used by someone other that me at least once a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I filled a dispute with midland management to send information about an collection account that i know is not mine I never did business with midland management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not even recognize that is unfamiliar to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: AL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not even recognize that is unfamiliar to me

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 2024-01-18 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
The account XXXX in question violates my rights as a consumer and pursuant to the Family Educational Rights Privacy Act ( FERPA ) the information from this account that appears on my consumer report was disclosed without consent to unaffiliated parties and violates the legal authority pursuant to 20 U.S.C . 1232g ; 34 CFR Part 99. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Family Educational Rights Privacy Act ( FERPA ) to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
enclosed you will find what you said you guys did o solve his problem bu their still on my report

Company response to consumer: Closed with non-monetary relief