vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: IL

Complaint narrative:
On XXXX, I received an email from DOE that Mohela is transitioning its to a new online account platform. The DOE email did not indicate a timeline. On XXXX, I tried logging in to the existing online account platform, but it did not let me login due to the transition process. On the same day, I called the customer service to ask them 1 ) how much I owe and 2 ) if I can make the full payment on the loan now. The customer service agent did not have information on how much I owed AND stated that I can not pay off the loan during the transition. I then asked when the transition process will be complete. He said " a couple of weeks. '' I asked him if he has a more specific timeline, and he said " a couple of weeks, maybe 3. '' He also stated that my interest will keep accruing during this time, when I have NO ACCESS to the account platform OR any INFORMATION regarding my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: CA

Complaint narrative:
I received 3 AMEX giftcards from my company all at XXXX each. 

I activated the cards on XX/XX/XXXX at attempted to use them for less than what was on the cards. 

I attempted the first 2 cards on XX/XX/XXXX at XXXX and both transactions were declined, one amount was about XXXX and the other was around XXXX. 

One of the orders contained a XXXX item that went through, but the larger XXXX item was declined. 

I called AMEX customer support and they said they " would make changes to my account and to try again in 24 hours. '' I attempted the 2 transactions again on XX/XX/XXXX and they were declined again. I even attempted to purchase smaller valued items ( {$25.00} ) and they were still declined. 

I called customer service again on XX/XX/XXXX and was advised to try a different merchant. I have tried XXXX XXXX XXXX XXXX XXXX XXXX and the card continues to decline even though the funds are there. 

On XX/XX/XXXX I attempted to use my 3rd AMEX giftcard and was approved for 2 transactions on XXXX ( XXXX and XXXX ) but any transaction after that has been declined, even though there is XXXX left on the card. 

I called again on XX/XX/XXXX asking for assistance on using these cards, the customer service rep said I need to use them at different merchants, to which I explained that there have been approved purchases on XXXX and now they are declined and I've tried different merchants and I'm still getting declined. I asked to speak with a supervisor as I have been having issues for almost a week with no resolution. I was put on hold for about an hour and then I was hung up on. 

I now have about {$510.00} left between the 3 cards that I can not use and AMEX customer service has done nothing to resolve. 

Note : I do not have screenshots of the declined items on XXXX because I had to cancel them so another card was not charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21 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: NJ

Complaint narrative:
On XX/XX/2023 I applied for Chase XXXX credit card, promising {$250.00} XXXX credit upon approval. I am attaching a screenshot of the offer. 
My application was approved, yet instead of {$250.00} advertised I only received {$100.00}. 
to make a long story short, after multiple interactions with Chase, I was basically told, they will not honor that promo, since they do not " provide manual adjustments or credits for promotional offers ''. 
As it stands, this is a blatant case of bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX {$24000.00} XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00} 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 2023-12-21 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Midwest Fidelity Services, LLC
State: CA

Complaint narrative:
I am receiving frequent text messages from Midwest Fidelity Services LLC debt collector ( XXXX ) XXXX for a debt in the amount of {$4300.00} from XXXX XXXX. I dont recollect ever taking out a loan with XXXX XXXX for this outrageous amount. 

I want Midwest Fidelity Services to stop texting me requesting I pay this outrageous debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
XXXX - Still no check! - Recap - XXXX - mail insurance check to Ally Bank XXXX - Ally received check XXXX - Ally mails check back to me because they said it was not endorsed - I stamped it like ANY OTHER CHECK for the company - I WAS NOT TOLD TO SIGN the check without my name on it. 
XXXX - XXXX XXXX received the check back. 
XXXX talked to " XXXX '' and he told me he would XXXX  me a return envelope to XXXX and that I would get it on XXXX - NO SIGNATURE REQUIRED! 
XXXX - called Ally said that it would the XXXX envelope would be sent out today - 2 DAYS LATYER THAN PROMISED by " XXXX '' XXXX - XXXX attempted to deliver to XXXX but a SIGNATURE WAS REQUIRED! 
XXXX - Went to XXXX to pick up the envelope- put the check in the envelope and dropped off at XXXX. 
XXXX - Ally received the envelope XXXX - Called Ally and asked where my money was - They said that they received it on XXXX but still had not done anything with it. Told me it would be 7-10 DAYS XXXX - Ally called me to discuss the problem with me and told me it could be up to 30 MORE DAYS! 
XXXX - called Ally to find out when they would XXXX the check back to me as promised by " XXXX '' and they said they would be mailing it to me. I told Ally that this was not what was promised and that I wanted the check reissued and put on XXXX TODAY per the promise OR issuse a ACH payment to me so that funds would be available by XXXX - Was told they would look into it - I told them that they are a BANK AND HAVE NO EXCUSE FOR NOT BEING ABLE TO DO THAT REQUEST- but they are not going to do that. 



I now want the payoff to be EFFECTIVE XXXX - NOT XXXX - seeing how they had the check on XXXX and want the interest on the payment account refunded to me along with intrest on the {$14000.00} that they have been earning interest on for not giving me MY MONEY BACK.

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 2023-12-21 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: NV

Complaint narrative:
These companies obtained a copy of my consumer report without my consent or authorization which placed an inquiry on my report which in turn has stopped me from obtaining credit I want them removed immediately or will proceed in legal proceedings XXXX XXXX XXXX XXXX Equifax Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
TRANSUNION CONTINUES TO REPORT XXXX XXXX XXXX XXXXXXXX THIS IS AN ACCOUNT THAT EXCEEDS THE STATUE OF LIMITATIONS FOR REPORTING. THE ACCOUNT WAS ORIGINALLY OPENED IN XXXX AND PAID OFF IN XXXX. THE REPORT PAY OFF DATE SHOWS XXXX. THIS INFORMATION IS INCORRECT

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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have several credit cards account opened in my name without my consent. I noticed this been done when i tried applying for an apartment and my credit report had all of these credit cards account open which affected my credit scores and opportunity to get the apartment. I need my credit to be repaired and to remove all of these fraud accounts that were open without my knowledge. It isnt fair for me to be stuck and having to pay for something i didnt authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
they are reporting information to 3rd party nonaffiliate 's

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 2023-12-21 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: MA

Complaint narrative:
The companys handling my federal loans, Edfinancial, has failed to set up auto pay after multiple requests. This causes interest on my payments as they tell you auto pay is set up, the the due date comes along and it says Im late. They can not tell people auto pay will be set up in 2-3 days and it not reflect. I called customer service and they say it takes 2 billing cycles which is unheard of on any other auto pay I have. I did wait an entire billing cycle but it still failed to go through. Long story short, auto pay not working, they tell you it is, you miss a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: STATE STREET BANK AND TRUST COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX I closed a XXXX with XXXX XXXX. They issued a check directly to my bank, account number is XXXX, XXXX XXXX in the amount of {$900.00}. The check was mailed out on XX/XX/XXXX and is showing cleared on XX/XX/XXXX. It was never received by XXXX. This check was deposited to State Street Bank And Trust routing number XXXX. My best guess is the check was stolen from the mail and fraudulently deposited.

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 2023-12-21 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good afternoon, There was a recurrent purchase for a XXXX last year in XX/XX/2022 with a card ending in XXXX. In inadvertently purchased a new XXXX account in XX/XX/2022 with the same company with a card ending in XXXX ( Capital One ). The XXXX ( XXXX XXXX  ) company did not notify me and I was unaware that I had made XXXX purchases with the same company for the exact same service. This year after the XXXX payment was drafted, I received an email that a recurrent charge of another {$89.00} charge would be billed to my account with card ending in XXXX. I reached out to the XXXX company and let them know that my XXXX card had already been debited in XXXX and to cancel my account ending in XXXX immediately in XXXX of this year before the billing due date. I also requested a credit for the time that I was paying twice for the same service, which they declined. The XXXX company then charged my account once again in XXXX for {$89.00}. I have since cancelled my service with the XXXX XXXX and disputed the second charge with my credit card company ( Capital One ). I sent them all supporting email documents ( the email chain is somewhat repeating, but my request is on or around XX/XX/XXXX ) with the XXXX company regarding the cancellation request in XXXX of this year and explained as I have here what had transpired. They did not credit my account and closed the dispute claim. Please let me know what recourse I have to receive a credit and/or reopen the case. Thanks for your quick action regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-21 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV FUNDING HAS continually reported incorrect, untrue, and constantly changing the method of reporting creating an unfavorable financial profile thus KNOWINGLY AND INTENTIONALLY damaging, interfering, and stalling any opportunity for I to be able to obtain any type of credit function in 'PURCHASE MONEY LOANS '', housing rental nor a mortgage. 
This has been disputed prior on multiple attempts with requests to provide " PROOF '' of Debt being owed between I and LVNV Funding to no response in this matter. No factual evidence has been brough forth of a true obligation with a " contract ' with wet ink signature. No 'PURCHASE AGREEMENT ''. Nothing to the effect of any contractual obligation of a debt relationship of a creditor-debtor nature. 

This amount is not owed to LVNV Funding as no true lien exist through the legal court system evidencing an obligation, especially as no lien exist through the STATE OF ARIZONA SECRETARY OF STATES OFFICE in the form of a UCC Financing Statement nor a UCC 3 Amendment establishing and evidencing the fact. 

NO LIEN, NO DEBT OWED. REMOVE IMMEDIATELY THE CURRENT AND FUTURE REPORTING OF A FALSE AND UNTRUE DEBT. 

Remedy in the form of litigation pursuing damages will be brought forth. 
and lastly, LVNV Funding is in violation of copyright trademark infringement and has currently 11 violations in the fine amount of {$250000.00} per occurrence per vendor violation. This is going to be sought through litigation especially if no correction is conducted by LVNV Funding effective immediately.

Company response to consumer: Closed with explanation