vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 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: TX

Complaint narrative:
I have been working to correct these errors for several years now and my papers are in storage as i am moving and as i tried to get an apartment is when my false credit scores has effected my life and liberty. the last date was XX/XX/2023 I have been and sent certified letters to XXXX, Equifax, and XXXX XXXX and the day that XXXX XXXX received my request they literally retaliated and sanked my credit score another XXXX points in one day although i had did no business or anything else that should have resulted in a move like that. I have been disputing and writing calling and doing everything in my power to correct these wrongs. The list is too long to put on paper but these companies has all of the documentation as i already had a free account with Equifax do to them breaching my data a couple years ago so all this information is in the files. I have a XXXX dollar debt from a credit card i disputed as well as XXXX XXXX  and several other credit cards that someone that was living in our house must have also took advantage of myself and my wife purse was stolen and her license social security card and all her credit cards was stolen separate incidents. I The companies keep saying that the information has been verified and correct and i say no you are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: WA

Complaint narrative:
Account placed on administrative forbearance with no explanation from Mohela. ( XX/XX/ ) Need this resolved asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: IL

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-11-11 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Apple Card for an unresolved dispute related to the non-delivery of a round-trip ticket. Despite providing evidence and acknowledging fault from the merchant, Apple Card has not addressed the issue. 

Details : Date of disputed transaction : XX/XX/2023 Transaction Amount : {$830.00}, {$72.00}, {$72.00} Merchant : XXXX XXXX  Brief Description of Dispute : Non-delivery of service, unjustified reasons from the merchant not to deliver the service. 
Documentation Submitted : Attachment 1, Attachment 2 Attachment 1 : Email communication with the merchant admitting failure to deliver the service. 
Attachment 2 : Response from Apple with untrue response from XXXX ( I contacted the company to change itinerary and they claimed that I did not ). 
Attempts to Resolve : Multiple attempts to contact Apple Card have been unproductive, with insufficient responses. The merchant 's unjustified reasons for not being able to charge my card for flight changes remain unaddressed. 

Apple Card 's Response : While Apple Card acknowledged receipt of the complaint and expressed understanding of the situation, no tangible steps have been taken to resolve the issue. The entire correspondence exchange indicates the merchant 's fault, yet the dispute persists. 

Additional Issue : Furthermore, every time I attempt to contact Apple Card, I am subjected to excessive wait times, ranging from XXXX minutes to XXXX hour and XXXX minutes. This extended wait time adds further frustration to an already unresolved matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: OR

Complaint narrative:
I have been set to a status of Delinquent by Aidvantage because my payment has been reversed despite my bank always being the same since I was in college. I have enough money to pay. 

I have a history of attempts to pay on their website but no payment has gone through and now I am in deferment. I just want to pay it off and can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I asked Navient about cash payment that I made to XXXX directly {$9000.00} they told me they had the info and would send me written verification. It never happened. Then they said subsequent times they had no record of that conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
Hello, On XX/XX/2023 I was scammed out of {$210.00} XXXX  for a rental car which I never got and I told my bank and they say they can't do nothing about it and the person won't spend the money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-11-11 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: FL

Complaint narrative:
an inaccurate and unverified charge-off on my credit report. The following account is showing as a charge-off on my credit reports in all 3 bureaus Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX, XXXX this is not mine and I have to be remove as soon is posible is inaccurately reported as a charge-off. I am disputing this under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( f ) whis states that a consumer has the right to dispute incomplete or inaccurate information. 
197

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 2023-11-11 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: IL

Complaint narrative:
I acquired my Before credit to check and make sure everything was completed according to 15 USC 1681. I waited 30 days and received my investigation and noticed everything was still the same. Everything still the same consumer report which is XXXX XXXXTrans Union did not modify or remove anything. The date open is not correct date is not correct. All three credit report. Date of last payment is not correct on three credit report which is a violation. This is impacting me from moving forward to buying a house for my family, can you have them correct this by erasing it off my credit report as soon as possible please

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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I acquired my Before credit to check and make sure everything was completed according to 15 USC 1681. I waited 30 days and received my investigation and noticed everything was still the same. Everything still the same consumer report which is Equifax XXXXXXXX XXXX did not modify or remove anything. The date open is not correct date is not correct. All three credit report. Date of last payment is not correct on three credit report which is a violation. This is impacting me from moving forward to buying a house for my family, can you have them correct this by erasing it off my credit report as soon as possible please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
This company is trying to get us to pay someone else 's debts that we do not know! They texted me about XXXX??? and he does not live here. We don't know where this individual lives. They identify themselves as Harris & Harris Debt Collector. I had asked them to stop contacting us. They keep contacting us! over and over! They keep calling us XXXX for some odd reason. These notices keep running up my message and data rates on my cell phone. Yesterday they said, XXXX, Harris & Harris is a debt collector for XXXX. I do not know who or what XXXX is much less the person they are asking for. I told them we are not responsible for someone else 's debts and that no one by that name lives here! This is the sixth time I know of that they harassed us! Their code is XXXX. Make that 7 times. They called ago on XXXX at XXXX today XX/XX/XXXX. I keep reporting it as junk. The phone number uses the name XXXX and wants me to call back at XXXX. They contacted me on XX/XX/XXXX at XXXX similar message. Another contact on XX/XX/XXXX XXXX similar message. I reported all of these and the others to you yesterday with the numbers and messages and dates. I hope it was not another false company I contacted yesterday! It was under the Do not call registry! Anyway, my number has been registered with you for years. They are taking up space on my phone and my space is very limited! In fact it says space is 98 % full! It's because of these contacts. I do not know if the robocalls were additional contacts. I've just been reporting some of the messages and texts that they left me. Please do not share my phone number OR email with someone who is trying to scam us with someone else 's debts. We never signed papers saying we would be responsible for someone else 's debts! We do not have medical nor financial permission for someone else! My husband is called something else. Why would we get calls for some unknown person? We are in our XXXX 's and I am a XXXX  XXXX. They are calling on our cell phone harassing US! Why do scammers try to harass and cause XXXX XXXX anguish, pain, and more? I can't even get up to answer the phone most of the time! I think they owe us some money for harassing us, causing health problems, and anguish! Since no one lives at our address except my husband and myself, I do not know why they have my phone number nor why they are calling for someone who is not here!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: DISCOVER BANK
State: ID

Complaint narrative:
Refundable deposit of {$3000.00} paid on XX/XX/2023 to XXXX XXXX on our Discover card. 
Instead of contacting the vendor in XXXX for the refund, we filed a dispute with Discover to recover the funds. We supplied the refund letter from XXXX XXXX. Discover issued a temp credit to our card and contacted the vendor. 
Discover received validation of the charge from XXXX XXXX and denied our refund request. They posted the amount and interest back to our card. 
We contacted XXXX XXXX directly to obtain the refund. They agreed to issue it but then said they could not access the funds because Discover had refunded the money. 
I corresponded back and forth between Discover and XXXX XXXX  for months being denied by each one. They are pointing fingers back and forth saying each one has the money to refund. 
Discover said I need to get a statement saying that the funds would be refunded back to the same Discover card instead of the refund letter that I had. 
We sent a statement from XXXX XXXX saying the moneys were refundable back to the Discover card used for payment but Discover is still not accepting this. 
We have been charged approximately $ XXXX in interest thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have ordered XXXX XXXX  XXXX from Bestbuy. XXXX Upon opening the package, I discovered the screen has a crack and ordered the replacement on XX/XX/XXXX after reported to Bestbuy. I mailed back the damaged package with tracking #. A day later XX/XX/XXXX was order was canceled by Bestbuy with no reason giving. When I asked why the replacement was cancel the agent has no answer for me. Then I decided to order from another vendor XXXX. I ordered the same phone with XXXX instead. Same price XXXX. 
The following week it was XXXX XXXX the same exact phone was reduced to the price of {$850.00} I have returned back the XXXX order and purchased the lower price one from XXXX again order #. 
Until XX/XX/23 I have discovered on the credit card investigation package of tracking # XXXX that was sent to my address. I immediately reported to Bestbuy that I havent never received any notification or any type of communication. Bestbuy agent refused to help and ask me to contact XXXX for a missing package that they sent. When I contacted XXXX, I was told only sender can request credit and from receiver. Bestbuy refused to file a missing package on my behave and refused for refund along with the BestBuy credit card 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 non-monetary relief
Consumer complaint received 2023-11-11 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/2022 i made a {$5.00} charge. The Regions credit card account had been on automatic payments for an unknown period as the card was not used but a couple times per year. Regions service failed to make the payment, with multiple agents disputing I had set up auto payment or that they even offered the service. I was out of town for work for several months which is why automatic payment is beneficial and I did not get the subsequent late notices, which are ONLY delivered via USPS, no electronic billing options. Even to this day Regions denies automatic payments were set up or offered. However, Regions sent an apology letter admitting the service was offered, I did set it up, and Regions service did not work as expected and failed to make a payment to my credit card. They also refunded the late fee. However, they refuse to submit a credit report correction or respond favorably to the credit disputes submitted by me, resulting in the only late payment on my credit history for over 7 years.

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 monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I tried calling them to request a settlement after they call me and leave voicemails daily and they hung up on 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 2023-11-11 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:
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. 

remove these accounts listed ; 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 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 

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 explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
U s auto sales went out of business and filed bankruptcy sold my contract to XXXX XXXX a debt collection know my car has been repossessed I had gap and paid Collateral protection insurance.I still have my original title with everything I paid

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