vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Makes Cents, Inc. dba Advance.Cash
State: SC

Complaint narrative:
In the spring of 2019, I foolishly took a loan in the amount of {$500.00}. I made two payments of {$120.00} each totaling {$250.00}. I then discovered that Advance.Cash is also Makes Cents Inc! 

I had a separate loan with Makes Cents Inc XXXX  XXXX. I successfully proved that this loan had been made fraudulently and not only did Makes Cents Inc dissolve the loan, it actually REFUNDED the payments I had made.

Makes Cents Inc also agreed to dissolve the loan with Advance.Cash. I was absolved of any additional payments and the balance due was made XXXX!!! 

Now nearly THREE YEARS later, Makes Cents Inc d/b/a Advance.Cash has turned my name and SSN over to a collection agency which has now tarnished ALL THREE of my credit reports!! 

NO communication was EVER sent to me about this!!!! This is an additional act of FRAUD!!! 

I am a resident of South Carolina. After doing research regarding Internet Tribal payday loan laws in the State of South Carolina, I found that Makes Cents Inc payday loans are actually illegal. I contacted the South Carolina State Department of Financial Institutions and they verified that Makes Cents Inc is not licensed in South Carolina, therefore the loan contracts I had with Mandan, Hidatsa, and Arikara Nation d/b/a Makes Cents Inc d/b/a XXXX XXXX according to my state 's laws, were never enforceable. 

As a resident of SC, I am subject to its laws. South Carolina Code 34-39-110 regulates payday loan lenders in South Carolina. Lenders must have a license in South Carolina under the state law. The loans issued to me were payday loans. Payments were due on each payday making them payday loans by the very simple definition. Makes Cents Inc may be subject to tribal law based on its affiliation with Mandan, Hidatsa, and Arikara Nation. I am not a member of that community ; therefore, I am not subject to tribal law. Because it is not licensed by my state and because I am not subject to tribal law, ALL loan contracts entered into are null and void.

Makes Cents Inc claims to be wholly governed by Mandan, Hidatsa, and Arikara Nation, which is part of the Three Affiliated Tribes of the XXXX XXXX XXXX. In my telephone communications, I learned that it is actually located in XXXXnot even within the United States let alone North Dakota or on the XXXX XXXX XXXX! I have also uncovered interesting information regarding XXXX XXXX and its loan sharking charges and connection to Makes Cents Inc.

I demand Makes Cents Inc d/b/a Advance.America immediately contact XXXX XXXX XXXX in XXXX XXXX Arizona and REMOVE all records of my affiliation with this company!!!

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 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello. This is XXXX XXXX. I am a student attending XXXX XXXX. I like to file a complaint about the Capital One Bank. Recently, I have recently gotten COVID funds from the college, but those funds were reversed back to the college. The following day I have received an email stating that my account was restricted, and I could not make any withdrawals. Earlier this morning, I have called the bank 's customer service, and the representative told me that the funds were classified as scams. I didn't believe that because I have actual evidence that I have received those funds from the college. The representative also said that the available funds that I have in the account have to be withdrawn by going to an ATM, and that I can't bank with them anymore. Furthermore, these funds were supposed to benefit me and my family through this time of COVID. I am a XXXX XXXX XXXX  active perusing to better myself. The particular establishment is causing a financial injury. If you would like, you can contact me at your earliest convenience at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I contacted XXXX, Equifax, and XXXX XXXX by Phone to update all personal information. I was informed that it would take up to 30 days for my information to be updated. I waited almost 2 months for this to reflect on my profile but it never happened. 

On XX/XX/2021 I sent out letters to XXXX, Equifax, and XXXX XXXX in further efforts to update my personal information to the only information that is Valid. I've waited patiently to no avail. I need this information updated as soon as possible to reflect accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I contacted Experian, XXXX, and XXXX XXXX by Phone to update all personal information. I was informed that it would take up to 30 days for my information to be updated. I waited almost 2 months for this to reflect on my profile but it never happened. 

On XX/XX/2021 I sent out letters to Experian, XXXX, and XXXX XXXX in further efforts to update my personal information to the only information that is Valid. I've waited patiently to no avail. I need this information updated as soon as possible to reflect accurate information

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have tried endlessly to get this ridiculous inept bureau to understand plain simple XXXX. It appears they're having problems understanding what they've done wrong and keep doing wrong. The issue is I complain, they don't fix the problem, then lie to you stating they did, then send me doctored paperwork to prove they've done something they never did but made worse! When I ran my credit on XX/XX/21 I have clear evidence they did not fix the problems! It's becoming more annoying than I can tell you. That's why I keep bringing the problem to you. They don't hear me and that's really a problem to me. I've had more problems with this bureau than the other 2! 

1. XXXX # XXXX - once again, I NEVER disputed this account. The account is accurate, why would I? They are the only bureau that did not correct it by removing that dispute language. The account is with the Borrower Defense Div. so tell me what I'm disputing with the bureau? Nothing! They need to remove that language NOW! They " assumed '' that and now are not understanding why they need to correct it. I just don't get why they put this on here in the first place. So it seems it's not creditors making the errors, it's continually the bureaus! Remove the language now!

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've been trying to reach out to XXXX, they have not given me access to my CONSUMER REPORT and XXXX REPORT. I have attached screenshots as proof

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Im filing this complaint due to Transunions failure to comply with the request for re-investigation of a written dispute requested on XX/XX/2021. Under the Fair Credit Reporting Act 15 USC 1681 I ( 6 ) I should have received a response letter no later than 5 business days after Transunions investigation was completed. It is past that time and I have not received a response. Now Im forced to spend money I really dont have to pay for certified mailing just to ensure I receive a response from them. 

My rights under Fair Credit Reporting Act 15 USC 1681 b ( a ) ( 2 ) Permissible purpose of Consumer Reports law are being violated. I did not give Transunion permission to report these inquiries. In my dispute I requested removal of unauthorized hard inquires from my report. This was not done. 

At this point, I am demanding Transunion cease & desist from reporting these inquiries. I demand they are immediately removed from my report. If they refuse to remove the items, I demand Transunion provide me with written documentation swearing under penalty and perjury laws they were there when the inquiries were authorized. I demand they also swear under oath that I signed for the inquiries requests and I signed documentation agreeing to add Transunion to the account to be able to report them on my report. 

These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If this matter is not resolved through this complaint, I will pursue the enforcements of my constitutional rights via federal court proceedings. The information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. If necessary, I will represent myself pro-se and formally request a jury trial.

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX 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 XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry 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 2021-12-30 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: CA

Complaint narrative:
XXXX  response to XXXX is not complete and does not fully address any issues stated in the complaint. XXXX  mishandling of the transfer has delayed the receipt of the XXXX bill due. Because XXXX  mismanaged and mishandled the transfer I have not received a bill due for XXXX. Where is the bill for XXXX? I know why it was mishandled because it's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: GA

Complaint narrative:
Charged an international processing fee when I did not travel internationally. I bought something at home. Used my debit card. Called US Bank and they will not refund this fee. The fee isnt in the disclosures for my account. I have been lied to and taken advantage of. They stole my money

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 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: RI

Complaint narrative:
Summary : For a closed mortgage account, AIMLOAN overpaid my property taxes by {$880.00}. According to XXXX at XXXX XXXX XXXX finance department, the town refunded the overpayment on XX/XX/XXXX. AIMLOAN 's escrow company, however, returned the town 's refund check. The town sent the refund check again on XX/XX/XXXX, and AIMLOAN cashed it on XX/XX/XXXX. An image of the cashed check was provided by the town, and I gave the check number to AIMLOAN on the phone, as requested by the customer service supervisor. AIMLOAN promised resolving this issue by XX/XX/XXXX and now the customer service supervisor said the next update might be until XX/XX/XXXX. Customer service at AIMLOAN insisted that they had not received the refund check, and I was also told there was no one in the company who could help resolve the issue. I have been attempting to resolve this issue with AIMLOAN for 6 months without success. 

More details : In the beginning, AIMLOAN told me that they had not overpaid the property tax and had not received a refund check from the town. I called AIMLOAN and the town more than ten times. In XXXX, XXXX, AIMLOAN acknowledged the issue and the supervisor entered a work order to refund the overpaid check. I kept in touch with AIMLOAN every week or two after they deposited the refund check on XX/XX/XXXX. Customers service representatives and supervisors at AIMLOAN told me many times that they have yet to receive the check, and that the issue will be resolved by XX/XX/XXXX, but may not take that long. I followed up with AIMLOAN at the end of the day on XX/XX/XXXX, as suggested by the customer service supervisor. XXXX ( Initial XXXX, customer service supervisor ) confirmed that AIMLOAN has received the refund check. After I confirmed that fact with her, she acknowledged it, but refused to put it in writing. When I asked if anyone in AIMLOAN could address this issue, she said no one could do so. She could only send an email to the tax department asking for an update, and there was no guarantee she would get a response. When I called on XX/XX/XXXX to request an update, the customer service supervisor played hardball with me. According to her, AIMLOAN has not yet received the check ( which differs from what XXXX told me on XX/XX/XXXX ) and the next update may not come until XX/XX/XXXX. She told me I asked for help rather than admitting that AIMLOAN had made mistakes twice ( 1. overpaid the property tax 2. returned the refund check in XXXX, XXXX ). She said an update might take until XX/XX/XXXX, since I called two days ago ( XX/XX/XXXX ) and AIMLOAN requires this much time. I explained to her I have been trying to resolve this issue with AIMLOAN for 6 months, and that the refund check was deposited on XX/XX/XXXX by AIMLOAN 's escrow company, she just said bye and hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: CO

Complaint narrative:
I recently sent a dispute letter to Transunion on XX/XX/XXXX in regards to a previous car loan. I pulled my credit reports and noticed that Transunion was reporting an incorrect/different close date. Transunion reports a close date of XX/XX/XXXX while XXXX shows a close date of XX/XX/XXXX ( and XXXX does not even show a close date ). This shows me that, although it was said that it occurred, the account has not been properly verified, and Transunion has not done its due diligence, and instead continue to respond to my disputes that the account has been " updated ''. They have continuously shared incorrect information although it has not been properly verified. As a result, I requested and asked that the account be deleted 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 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2021-12-30 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have been trying for months to get Experian to reflect the proper status of my XXXXXXXX XXXX XXXX credit card. This card was closed earlier this year, however, Experian continues to list it as open. This has caused my credit utilization to be artificially inflated and has caused me to receive unfavorable outcomes on credit applications. I addressed this complaint with XXXXXXXX XXXX, which administers the XXXXXXXX XXXX, and they submitted a request to Experian to list the XXXX account as closed. Even after receiving this, Experian refuses to list the account as closed. I have attached proof of XXXXXXXX XXXX request to Experian. I am asking CFPB to facilitate correction of this information or begin an enforcement action against Experian for their unlawful refusal to update the status of this account.

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 2021-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
This title loan is a predatory loan that I received while in financial distress. The loan is an interest bearing loan, where almost 90 % of my monthly payment goes to interest and only {$28.00} per month goes to the principal. My monthly payment is : {$270.00}. I lost my job due to COVID-19 related issues and I reached out to One Main Financial to utilize the unemployment insurance that they offered and I paid for monthly with my monthly payment. I was told I would have to go the unemployment office and get them to sign a form to submit to One Main Financial and also the employer I separated from would have to sign a form as well. All unemployment offices are closed to the public in North Carolina due to COVID-19. I feel as though they will not help me during my financial hardship. At this time I do not have any resources to continue to pay my loan. I called One Main on XX/XX/21 to discuss my financial issues and I was offered a two month deferment for {$140.00} per month which I can't afford to continue to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DECLARED BANKRUPTCY IN XX/XX/2021 AND THE CREDIT REPORT AGENCY ARE SHOWING DELINQUENT AND STILL OWES WHEN TRYING TO GET CREDIT BUILDER CARDS AND REPORTING STUFF INCLUDED IN THE BANKRUPTCY THEY ARE TARGETING ONLY PEOPLE THAT HAVE DONE IT PRO BONO. ATTORNEY HAS HAVE SIMILAR CASES AND TOLD ME TO REPORT. IN XXXX FEDERAL COURTS DISCARDED. THEY HAVE RECEIVED COPIES AND REFUSE TO ADHERE TO FEDERAL GUIDELINES

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 2021-12-30 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: FL

Complaint narrative:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

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