vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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:
XX/XX/2024 : Received the {$320.00} Amex Gift Card XX/XX/2024 : Activated the Gift Card by calling the number on the back of the card. I attempted to use the card to reload my XXXX XXXX and was declined. I then attempted to add the card to my XXXX account but it was also declined. 
XX/XX/2024 : I checked the amexgiftcard.com website to see if I could get help with my card and saw the FAQ and I made sure that the card number, expiration, and XXXX digit security code matched the gift card and that I ran the card as credit with my name and address in the billing section as requested. The card was declined again at XXXX, then at XXXX, and at XXXX XXXX  for various amounts under {$50.00} that were much lower than the face value of the card. I attempted to call the number at the back of my card, XXXX, but was unable to talk to a human and instead heard the same information of usage as the website. 
XX/XX/2024 : Searched through the internet to see how others were able to use the Amex Gift Card and saw many people were having the same issues using their Amex Gift Cards even though the AmexGiftCard.com website states : You can use your American Express Gift Card virtually anywhere American Express Cards are accepted within the United States and District of Columbia, except the Gift Card may not be used for recurring billing or at ATMs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This company is reporting 1. An account that does not belong to me 2. That account is past due This account does not belong to me I have never lived at the address nnor did I open this account. The creditor is also reporting this debt an active account noting past due dates. I have sent letters to this company with no response askin for a copy of the contract or any such documents to validate this. I have also filed a Identity Theft report as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 XXXX # XXXX, XXXX XXXX # XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have made the credit bureaus aware of false and inaccurate information on my credit reports and they refuse to take that information off my reports..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-03-08 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Today XXXX XXXX I contacted chime about a check that was deposited in the amount of XXXX from the IRS chime said that they sent the check back on XX/XX/23 at XXXX XXXX  I because my account was closed I contacted the IRS and the said that they never received a returned check from chime but chime is saying that the check was returned to the IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
I own a duplex property in fee with no mortgage or debt of any kind. Title report has found an open lien against the property from a loan taken out by a previous owner and paid in full sometime before 2019. Release of Lien was never filed. ( See attached document, Page 4, Section 8 ). Contacted mortgage servicing company " Mr. Cooper '' multiple times. Mortgage company refused to provide any information or to remove the lien with the excuse that I was not the original borrower, who has been dead several years. I purchased the property from her son, who also was not on the subject mortgage and has received no response from mortgage company. 

Mortgage company is in material breach and illegally depriving me of the use of my property. 

" Mr. Cooper 's '' improper and fraudulent lien on my property has resulted in the loss of an approved {$45000.00} construction loan, cancellation of scheduled renovations to the property and is preventing my renting out of the duplex, resulting in a monthly loss of income of {$1500.00}. 

Company denied any responsibility and literally told me to hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The details listed on these papers are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We signed up for XXXX XXXX XXXX XXXX via their door-to door salesperson in XX/XX/XXXX. We were told that if we were not satisfied with the service, that we could cancel anytime like you would with XXXX. We attempted to cancel on XX/XX/XXXX only to be hit with a {$190.00} cancellation fee that was not mentioned by the salesperson, but was buried somewhere in a contract that we were told we signed/access to, but I have not found anything regarding the fee. My husband attempted to call XXXX only to b hung up on. I disputed the charge with Chase Bank on XX/XX/XXXX and the money was returned to us. On XX/XX/XXXX, Chase told us our claim was denied and that we authorized the charge. XXXX did not authorize the charge, we were not told that the {$190.00} would be charged by XXXX XXXX XXXX  should we cancel, and if we would have been told about the fee we would never have signed up. XXXX is incredibly shady and not transparent. This is a common occurrence with them as their reviews online are similar to my account. I feel the company should be more up front with their fees to begin with and Chase should have done further investigation before denying our claim. Not everyone can afford to be hit with {$190.00} along with everything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As of today, XX/XX/2024, my credit report shows my balance as {$30000.00}. 

The correct balance is {$29000.00}. 

The incorrect reporting is causing my credit to be lowered significantly. 

The Fair Credit Reporting Act states in 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Update my balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: IL

Complaint narrative:
As of today, XX/XX/2024, my credit report shows my balance as {$30000.00}. 

The correct balance is {$29000.00}. 

The incorrect reporting is causing my credit to be lowered significantly. 

The Fair Credit Reporting Act states in 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Update my balance.

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 2024-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet is employing predatory practices to extort borrowers. I applied for Income Driven Repayment plans, was not updated on its status, and called numerous times for updates. On each call, usually hours long, the associate would tell me not to worry, and that I would receive an approval soon. This began in XX/XX/XXXX. 

By XX/XX/XXXX, I still had not received that information, and they notified me that a payment was coming due. I called again, and this time spent nearly 3 hours talking to an associate. It turns out Nelnet had never processed the application. I worked with her to get it approved right there and then, and to apply the forbearance to the previous months. She said it was completed, and sent me official documents stating I had {$0.00} payments through XX/XX/XXXX. 

Today, XX/XX/XXXX, I received an email stating there were now over {$2000.00} in payments due, including a {$1800.00} charge that was 131 days past due. 

If I wasnt tenacious and frustrated to the point of fury, I could see how Nelnet would prey on someone who might just pay the charge and get further into financial ruin. 

This is completely unacceptable, and it is in line with a long string of predatory behavior. Nelnet recently lost a class action lawsuit around the same matter in Massachusetts. They are not fit as a lender, and are more fit to sell used cars as that is the kind of practices theyre employing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: CA

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 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 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of these accounts. Pursuant to the tax principles laid down by the Internal Revenue Service, a charge is deemed to constitute income. It has come to my attention that no Form 1099-C, or Cancellation of Debt, has been furnished by the aforementioned creditor, despite the apparent discharge or forgiveness of debt which should have been reported. Furthermore, it is imperative to acknowledge the legislative mandate set forth by Congress stipulating that personal income is not to be reflected in consumer credit reports. Specifically, under Title 15 of the United States Code, Section 1681a ( 2 ) ( a ) ( i ), it is proscribed that no consumer credit report shall include information related to transactions or experiences that would equate to the reporting of income. Remove these account XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-08 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I do not have a PayPal account and I kept getting Invoices to pay. I have ask them to stop, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
I have contacted Possible Financial and their debt collection company several times to rectify this issue. 

I paid this debt in XX/XX/year> and closed the fraudulent account out. However, Possible Financial continues to report it on my credit report as a collection account with a balance. It has been 4 months and Possible Financial has not removed it from my credit report and reported it as paid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: AR

Complaint narrative:
XXXX XXXXCONTACTED ABILITY RECOVERY SERVICES AFTER RECEIVING THEIR CONTACT INFO FROM ORIGINAL OWED COMPANY/GOVERNMENT AGENCY-XXXX XXXX XXXX ( ACCOUNT OVER 7 YEARS OLD {$540.00} ) TRIED TO VERIFY BALANCE TO PAY. I EMAILED THE NAMES ON THA WEBSITE TILL I RECEIVED A RESPONSE FROM A XXXX. WHO SENT ME AN ACCOUNT LOG OF ACTIVITY VIA EMAIL. 

PHONED ABILITY REACHED A XXXX AND SHE SAID WOULD HAVE TO VERIFY BALANCE BECAUSE THEY JUST RECEIVED ACCOUNT AND BALANCE IS {$650.00} REP PHONED BACK INFORMED BALANCE INCLUDES THEIR FEES. RECEIVED AN ACCOUNT NUMBER FROM REP, NO STATEMENT OR BILL INFO COULD NOT BE SENT OR EMAILED DUE TO NEW ACCOUNT STATUS. AND THAT I HAD TILL XXXX 2024 AND ITEM WOULD BE REPORTED TO THE CREDIT BUREAUS. I AGREED TO PAY ACCOUNT XXXX 2024 AND SHE COULD FOLLOW UP WITH ME @ XXXX. XXXX I PHONED XXXX AND PAID WITH CHECKING ACCOUNT INFO. NO TRANSACTION NUMBER GIVEN. 
XXXX REP PHONED AT XXXX TO INFORM ME MY PAYMENT IS BEING RETURNED TOMORROW DUE TO NOT RECOGNIZED MESSAGE-FROM SHE DIDNT KNOW AND THAT ITEM WAS GOING ON MY CREDIT. I IMMEDIATELY CALLED MY BANK AND WAS TOLD NOTHING PRESENTED/REJECTED AND THEY COULD HONOR NO ISSUES WITH MY ACCOUNT. THIS COMPANY PRACTICES WILL RESULT IN ITEM PLACED ON MY CREDIT REPORT CAUSING HARM-DUE TO ABILITY RECOVERY DISHONEST ACTION OR LACK OF PROPER PROCESSING AND NOT PRESENTING MY PAYMENT, IN ORDER TO PLACE ON CREDIT BUREAUS-WHILE HOLDING MY 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 2024-03-08 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: CO

Complaint narrative:
My loans are through aidvantage. I have 4 total loans. One loan is so ahead in payments I do not owe till XXXX. My monthly payments pre-forbearance were about $ XXXX across all loans. Since repayment began I have been charged over $ XXXX. I have talked to them monthly via their email portal. Every month they claim it is fixed. Every month I double check the auto pay. And every month I have been over charged and they have refused to fix the issues, claiming next month will be fixed. At this point its theft. I have not agreed to double my payments, the government claimed there wouldnt be penalties for being in forbearance. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I was preparing to pay my XXXX XXXX credit card bill from my Wells Fargo checking account ending in XXXX when i observed there was a significant dropped of cash amount on my checking since i always make sure that my checking always have sufficient amount because mainly all my auto pay from my mortgage and other bill pays were linked to this checking account. I tracked the account activity on my checking account and found out on XX/XX/XXXX unauthorized amount of {$8100.00} was charged on my checking account under BILL PAY XXXX XXXX XXXX XXXX XXXX XXXX ON-LINE and also before that there was an online transfer of cash amount of {$5200.00} from my Wells Fargo Active cash card, now i have an additional charge balance of {$5200.00} on my Wells Fargo credit card which i haven't authorized or done. I back tracked more on my checking account activity and found another unauthorized charge of {$7900.00} last XX/XX/XXXX also under BILL PAY XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ON-LINE. I never owned an XXXX XXXX I reported this fraud activity at that same day XX/XX/XXXX and closed those compromised accounts. Wells Fargo proceeded their investigation regarding my online fraud claim Claim # XXXX and determined the transactions and transfers were authorized and closed the claim, I requested those documents they used on their investigation which made them to decide that it was a legit/authorized transaction from me. I contacted the XXXX XXXX XXXX. yesterday XX/XX/XXXX and confirmed that i dont have an XXXX XXXX  under my apple account case # XXXX, The XXXX XXXXXXXX XXXX representative tried to contact XXXX XXXXXXXX XXXX in regards to this issue but unable to get through since I don't have an account number with them. I already filed a police report on this and also submitted a report on IC3 internet crime complaint of the Federal Bureau of Investigation.

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