vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial LLC
State: CA

Complaint narrative:
I received a collections notice from Assured Collections on what they claim is an unpaid bill from XXXX XXXX XXXX. I spoke with XXXX at Assured who told me a XXXX XXXX XXXX in XXXX, CA ordered these supplies. I've never been to XXXX XXXX. I did have a XXXX with XXXX XXXX in XXXX XXXX, CA. As instructed by XXXX, I wrote to Assured that I had no idea what that was for - I never received anything from XXXX XXXX XXXX and this must be a mistake. XXXX ( XXXX ) XXXX responded with more copies of their collection notices and a request order written by my doctor for authorization prior to a XXXX I had XXXX XXXX. I called my insurance company and they said that the claim had been denied. The XXXX I ended up having was not what was originally planned ( far less invasive ) and I walked out of the XXXX center the same day. At no time did I ever receive ANYTHING from XXXX XXXX Supplies ( nor any bills for anything. ) I thought they must have mixed me up with the other XXXX XXXX 's order. I looked up XXXX Medical Supplies on the Internet and I see they have the SAME BUSINESS ADDRESS as Assured Financial, LLC. Now Assured XXXX nor XXXX is returning any of my calls and once just put me on hold for over XXXX minutes and instead send me TEXT messages to pay this bill. I never gave them permission to send me TEXT messages and these messages do not contain any opt-out option which I also believe is illegal. They threaten a negative credit report and legal action. How am I " legally liable for the amount shown '' when I have never received anything from them? I'm certain they would not be able to prove I ever received anything from them - because I NEVER RECEIVED ANYTHING FROM THEM. They are seeking a total of {$620.00}. It is no wonder I see they have an F Rating with the XXXX and many similar complaints. I sincerely hope you can help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached a letter and an FTC report with 3 collections that are reporting open on my Transunion credit report and that is a violation of the FCRA

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 2023-03-12 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:
I submitted for XXXX in XX/XX/XXXX. My forgiveness still has not been processed and every time I call the customer service provides different information or false information. The wait time is unbelievable, at least 3-5 hours if you want to speak to a supervisor. I have called the following times ( sometimes taking off a day of work to speak to someone at Mohela ) and my issue still has not been resolved : Phone calls made in XXXX ( *At this time my loans were being processed by XXXX ) XXXX - Told my consolidation looked good XX/XX/XXXX - they said call back in XXXX XXXX - Told me to escape my case to a supervisor because my employment certification forms were not being processes properly XX/XX/XXXX - Told that all my employment was approved and my account was being transferred to Mohela XXXX Not to worry. Just wait. be patient. 
XX/XX/XXXX - Mohela tells me to wait until XXXX XXXX - Said my 5 employers were approved and I received forgiveness ( not true ) XXXX - Told me to wait that by the end of XXXX I would be approved XXXX - Payment starting to get counted by only at 41 ; today they bumped up to 88 XX/XX/XXXX - waited 2 hours on hold to be told just keep waiting ; payments jumped up to 131 but 88 were qualifying ( this is not true, I have worked in Non-profits and as a public school teacher for 20 years ) XXXX XX/XX/XXXX - 2 hours on hold ; I had to go to work so I hung up XX/XX/XXXX - 2.5 hours on hold ; spoke to a supervisor who has me submit more Employer Certification Forms but could not explain why my former XXXX 's were not all accounted for If you look at my employment history, many of the months I worked are not accounted for : XXXX, XXXX, 4 counts are missing ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX 6 counts are missing ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX 2 counts are missing ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX 4 counts are missing ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 12 counts are missing XXXX - ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ) In short, I have been waiting for over one year for my loans to be forgiven. I need the help getting through to a competent supervisor with a wait time that is not over 3-5 hours and who can fully process my application. This loan forgiveness is a difference between me being able to be a first time homebuyer at XXXX XXXX XXXX or continuing to be priced out of my rental apartment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX ( NATIONAL CREDIT SYSTEMS, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer Reporting Agency can not furnish an account without my Written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit Card account under open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have complained about XXXX XXXX in regards to a XXXX XXXXXXXX XXXX across Sport vehicle. Ive sent multiples complaints to XXXX, XXXX XXXX TransUnion. This particular account still exists and shows Im responsible. This account was supposed to be removed from my file months ago and the credit bureaus did nothing. It took more than the 30 day time limit to correct the issue and they ( credit bureaus ) have done nothing. I feel like Im being discriminated against based on the color of my skin. XXXX XXXX. They refused to help in this situation. The Company already expressed fault in this matter. All I need the credit bureaus is to delete incorrect inaccurate information from my credit file. Its the law and they continue to break it. Im not sure whom to trust but Im tired of filing complaints after complete. I will keep doing this until Im heard. Thank you.

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 2023-03-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have complained about XXXX XXXX in regards to a XXXX XXXXXXXX XXXX across Sport vehicle. Ive sent multiples complaints to XXXX, Equifax XXXX XXXX. This particular account still exists and shows XXXX responsible. This account was supposed to be removed from my file months ago and the credit bureaus did nothing. It took more than the 30 day time limit to correct the issue and they ( credit bureaus ) have done nothing. I feel like Im being discriminated against based on the color of my skin. XXXX XXXX. They refused to help in this situation. The Company already expressed fault in this matter. All I need the credit bureaus is to delete incorrect inaccurate information from my credit file. Its the law and they continue to break it. Im not sure whom to trust but Im tired of filing complaints after complete. I will keep doing this until XXXX heard. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid 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: IL

Complaint narrative:
On XX/XX/2023 I ordered, through the website, a product from XXXX that they claimed was instock. On XX/XX/2023 I received an Email from XXXX claiming the product was on backorder. 
On XX/XX/2023. XXXX charged my Capitalone  XXXX account for {$170.00}, but did not send the product ordered. 
XXXX XXXX XXXX XXXX order was cancelled for failure to deliver the product. On XX/XX/XXXX an Email from XXXX stated that the order had be cancelled. 
XXXX XXXX XXXX a dispute was file with Capitalone about XXXX failure to return the amount charged. On XX/XX/XXXX an Email was sent to XXXX about not returning the money and that a dispute was open. On XX/XX/XXXX Capitalone credited my about {$170.00}. On XX/XX/XXXX XXXX returned the money. On XX/XX/XXXX Capitalone charge a purchase adjustment of {$170.00} to my card and is refusing to remove it claiming that the extra credit is unpaid when in fact basic math shows that all has been paid. Capitalone is refused to remove the XX/XX/XXXX claim which would be paying them an extra {$170.00} that Capitalone is not have a right too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a personal checking account with JP Morgan Chase. One day I opened my Chase app and on the front page with my account information I received a message saying I had been " pre-approved for a Chase Freedom credit card. '' I thought it was just a marketing notice and looked for an asterisk or symbol denoting there were conditions or a notice saying " pending a credit check, etc. '' But none of those denotations accompanied the notification on my app so I completed the shortened application process ( because the notice said I was PRE-APPROVED ) and waited to receive notification regarding the amount of my credit limit and when I would receive the card. Instead, I received a rejection letter ( no credit card ), a hard inquiry on my credit report which dinged my score and dropped it substantively. I NEVER would have applied for the card had it not said I was already pre-approved. And now this hard inquiry will remain on my credit report lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Have tried to get to properly correct every address that is listed on there report as there are dozen improper addresses being reported that are damaging me directly on top XXXX cant even pull my credit file to examine being sent in my Passport n SSC verification as seems have something I cant even pull file online this needs assistance

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 2023-03-12 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: OR

Complaint narrative:
Have tried to get to properly correct every address that is listed on there report as there are dozen improper addresses being reported that are damaging me directly on top I cant even pull my credit file to examine being sent in my Passport n SSC verification as seems have something I cant even pull file online this needs assistance

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 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are 3 unauthorized inquiries on my credit report, some a day right after the other that I would like removed. 

According to the FCRA these unverified and unauthorized accounts must be removed. 

They are not tied to any open accounts nor were there written consent for such reporting. 


XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXX XXXX - XX/XX/2022 XXXX. XXXX XXXX XXXX - XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-03-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/2023 I received an email that Experian was investigating a dispute & on XX/XX/2023 its was complete no change. Upon calling the company I disputed they informed me there was no correspondence with Experian! 

15 U.S. code 1681 ( e ) b and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The Fair Credit Reporting Act states that the reporting of my credit has to be 100 % correct

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 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are 3 unauthorized inquiries on my credit report, some a day right after the other that I would like removed. 

According to the FCRA these unverified and unauthorized accounts must be removed. 

They are not tied to any open accounts nor were there written consent for such reporting. 


XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXX XXXX - XX/XX/2022 XXXX. XXXX XXXX XXXX - XX/XX/2022 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 2023-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Gemini doesnt answer my questions via mail or via from here. I just ask them a lot of question they just give copy-paste answers. 

i have a problem since XXXX w/ Gemini and didnt get any help from them. I just sent accidently SPL-USDC to Gemini, assets sitting in my XXXX XXXX XXXX easy to reach but they are refusing to help. Worst Spport, Worst Technical Exchange, Worst helper exchange ever. 

1- ) is gemini have a access to move tokens from depository account which is belong to me? i can see gemini doesnt have a access to depository accounts, which is a huge problem if people rush to exchange for withdraw tokens. 

2- ) if you guys have access to XXXX account they easly can access my funds to send back to me. so whats your answer? 

3- ) In agreement '' Your property if sent to your XXXX Account or XXXX Account '', i sent to my depository account which is belong to me. I want to use my right and give my money. You cant extortion my money its belong to me. 

4- ) In agreement ''You agree and understand that a Digital Asset of an Unspported Network or a Digital Asset that operates on top of a Spported Network is not a Spported Digital Asset ( each, an Unspported Digital Asset ), unless it is explicitly named as a Spported Digital Asset herein XXXX '' which USD Coin is spported by Gemini. 

5- ) In agreement ''You agree and understand that a XXXX XXXX XXXX is not a upported Network ( each, an Unspported Network ), unless it is explicitly named as a Spported Network herein. '' which XXXX XXXX is spported by Gemini. If they dont have token recovery system XXXX XXXX is not my problem, you have to do it what ever it takes, you need to figure out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX submitted dispute with Equifax regarding XXXX XXXX XXXX XXXX DBA XXXX, that is listed on my credit report. 

When my son first received the email from XXXX on XX/XX/XXXX there was not an itemized list of what amounts represented, there was indication of date owning there was just a final total of {$7100.00}. I never received an email only my son received. We were co applicants on the lease. XXXX XXXX XXXX employees only sent emails to my son. 

I wanted verification that the amount listed as owning was accurate and from what period this amount is dated. 

XX/XX/XXXX I received notification that the balance was correct. Which does not address my issue with validation, no information on dates, what charges represents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TX

Complaint narrative:
Starting on or about XXXX the XXXX of 2022. I disputed unauthorized transactions, the represenative handling the claim at the time asked a lot of interrogating like questions. Which I answered with no problem. 14 Days later I was refunded for two of the disputes. One is the amount of {$55.00} and the other is the amount of {$50.00}. These two were temporary and were taken away from me shortly after causing the account to go negative. Ive rebutted the final determination of the dispute be since they were denied. It has now been almost 6 months and I keep getting reassured that Chime financial is going to investigate this for me. There isn't any claim that should take 6 months to investigate.I have experience in banking and from my banking knowledge Chime financial is acting poorly on this matter. Please help me escalate this issue to get resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Lvnv funding placed another collection account on my credit file. Even after I made a payment plan I'm getting tired of this then they lie about me in response to my complaint. So they can keep messing with me. Everybody else has had trouble with them too. They don't have a right to place anything on your credit file when you made payment arrangements. Or a payment plan. I made a payment that I could afford and this still wasn't good enough for them. They want me to be denied credit.

Company response to consumer: Closed with explanation