vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX Ive been trying to u freeze my account but it keeps saying to contacts costumer service. I spoke with XXXX different people who told me different things and the problem was not solved. Im currently trying to get a car loan but it keep saying my account is frozen. I cant unfreeze myself because it keeps telling me to contact customer service. So I contact them and they say there is no freeze. Which doesnt make sense because every credit union/ loan person says there is a freeze and my end shows a freeze as well. I really need this car loan and for the account to get unfrozen as soon as possible. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: GA

Complaint narrative:
I have disputed information and provided a police report because I am a victim of identity theft every 60 days for months over the past year and nothing has been done.

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 2024-02-18 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: GA

Complaint narrative:
I have disputed information and provided a police report because I am a victim of identity theft every 60 days for months over the past year and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: IL

Complaint narrative:
I called the credit reporting agencies. I have contacted your offices to dispute and emphasize that the inquiries and accounts appearing on my consumer report are unauthorized and were reported without my permission or consent. I wish to underscore that this situation falls under the category of Aggravated Identity Theft, as defined by 18 U.S. Code 1028A. Your immediate attention to rectify this matter in compliance with legal requirements is appreciated. 

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
I need the company to send me the original contract with all my information and signature because I not only don't owe XXXX, I have never heard or been contacted by this company. I have never had a debt with this creditor or the collector and I request this to be removed immediately before I take legal action as a collection is being reported illegally on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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:
FCRA 623 ( b ) ( 1 ) ( D ) mandates that if the results of a dispute lead to the determination that information is inaccurate, then the furnisher must report the correction or deletion to all CRAs to which the information has also been reported. Update or deletion with only the CRA that is handling the dispute is not adequate.

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 2024-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
Complaint against Mohela Student Loan Servicer. I requested my loans be changed from an Income Driven Repayment plan to the SAVE plan in order to prevent additional unpaid accrued interest adding to my principal balance. The initial request to change repayment plants was made in XXXX of XXXX, which was denied due to incomplete proof of income. I submitted another request with updated proof of income. After multiple attempts in contacted the loan servicer and providing the additional proof of income, the servicer has now misplaced my proof of income and has not processed my request in a timely manner. This has resulted in a mishandling of my personal information and months of additional accrued interest that should have been avoided. The loan servicer has also removed the message option in their contact us option on their website. The only option made available to their patrons is to call during regular business hours and be placed on hold for hours while transfers are made to different departments. I am unable to get a clear answer from any representative and I am instead given multiple different answers as to why my request could not be completed. It seems as though Mohela does not want to change borrowers to the new student loan repayment SAVE plan in a timely manner because this new program causes a loss of revenue on their end. They had no problem approving auto debt payment application request in a timely matter ; within a week. Their actions against student loan borrowers should be considered illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have an Amex platinum ( {$22000.00} credit limit and have had since XXXX ), Amex everyday card ( $ XXXX limit ) and an Amex Blue credit card ( {$6600.00} credit limit ) with American Express. I received an email that the platinum card annual fee is increasing from {$250.00} to {$350.00}. On XX/XX/XXXX I called American Express to discuss the benefits of my cards and their annual fee. The I told the original customer service representative that I am unable to use the benefits of the platinum card and can not justify paying the annual fee which is now increasing to {$350.00} when I renew my card in XX/XX/XXXX. I asked about increasing the credit limit of the other two AmEx cards & the representative advised I could transfer up to {$20000.00} of the platinum credit limit to the other two cards. I told her I wanted to transfer the entire {$20000.00} credit limit to my Blue Amex card ( no annual fee ) and cancel the platinum card. She put me on hold and when she came back on the line she advised she was transferring me to an Account Manager ( name unknown ) who pressured me to keep the platinum card. I spoke to this person for over XXXX minutes and repeated told her the same thing I told the first CSR, that I can not justify paying the platinum annual fee when I am not or can not use the benefits. The account manager ended up canceling my card, when I asked about transferring of the credit limit to the Blue card she said she could not do it because she already canceled the card. I asked to speak to a supervisor and was connected to a XXXX who advised the original CSR did not transfer the credit limit and did not inform the Account Manager that I wanted to transfer the maximum credit limit to my Blue card before canceling the card. XXXX advised her department could not fix Amex 's mistake and placed me on hold while she connected with the original customer service rep 's dept. I spoke to to see if they can fix their mistake. While on hold, XXXX hung up on me. I called back and spoke with a XXXX who advised there is nothing they could do at this time, they would need to review the calls and someone will give me a call back within XXXX hours. I was given a reference number of XXXX XXXXXXXX. I told the original CSR I wanted to transfer the maximum credit limit to my Blue card and to cancel my card, my request was not only not granted but had to speak with an Account Manager who pressured me to keep the card. It's Amex 's responsibility to fix their mistake. I have excellent credit and by Amex not transferring my credit limit of {$20000.00} it will have a negative impact on my credit score. My credit score will impact many things such as interest rate on loans to make decisions on whether to offer you a mortgage, credit card, auto loan, and other credit products and insurance rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: GA

Complaint narrative:
received a reloadable debit card in the name of XXXX XXXX- at my address- this is not me and i have never heard of NetSpend. 

I tried multiple times to contact the customer service number and can not get through to to a live person without providing my social security number. 

i want to know why this was sent to my address and who this XXXX XXXX is - and why is she using my address. want the account closed and removed. 

This company should not be allowed to send debit cards unless requested.

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 2024-02-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC
State: IL

Complaint narrative:
I started working with Strategic Consulting in XX/XX/2023 after receiving a mailer regarding help with debt consolidation. They offered me help through a law group called XXXX XXXX which would work with my credit cards to lower my payments and interest. I had to sign paperwork with a notary that came to my office and set up a payment plan directly through my bank. However after 3 months my credit card companies were never contacted. My credit is being destroyed and no one from Strategic or XXXX XXXX have responded to me. I have so far paid them {$2200.00} and can not get any answers.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed unauthorized fraudulent inquiries with Equifax in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Equifax has responded by saying documentation wasn't clear, they didnt receive dispute, and that inquiries cant be listed in the personal statement section of the Federal Trade Commission Identity Theft Report ( which is misleading an a lie ).

I have sent disputes by mail, filed FTC Identity Theft Report, and have called Equifax and talked to their Consumer Relations department. Equifax has purposely been misleading and noncompliant.

Also the Federal Trade Commission form specially stated when it comes to listing inquiries on the report " If you have more than three inquiries, list the other inquiries in the Personal Statement section ''.

Equifax has repeatedly lied to me stating that inquiries can not be listed in the Personal Statement section which I now know is misleading and a lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: DISCOVER BANK
State: NJ

Complaint narrative:
This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: MN

Complaint narrative:
To Whom It May Concern : I, XXXX XXXX XXXX, am submitting this complaint against, UPGRADE, LLC, and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, for notice of dishonor, violations of Truth In Lending Act, Fair Debt Collections Act, securities fraud, and Fair Credit Reporting Act. I obtained a loan through UPGRADE, LLC, dating XX/XX/2022, of {$12000.00}. A promissory note was signed electronically and submitted. Payments of {$410.00} were electronically debited from my account monthly. After conducting some research on the company and the bank listed on the promissory note, XXXX XXXX XXXX I found their Prospectus Summary and UPGRADES, LLC Asset Backed Securities form, with the securitizer named on the documents, I realized that my credit application and floating rate notes, tendered and electronically transferred into the account, was converted into receivables and sold to investors on the secondary market as stocks, and beneficial interests, the form of dividends, payments, and interests transferred to the investors and to Bank, of which these credits are derived from my Trust and my account. This constitutes as securities fraud to dishonor and not render the securities and the profits from the selling and trading and reassignment of my promissory note and floating rate notes for setoff and discharge, with satisfaction of the obligation. I was given valuable consideration and there was acceptance of my presentment, with credits to the account, and reported as paid and closed. There have been several presentments sent to the company, of which they have kept them all ( see exhibits and proof ). When UPGRADE, changed and misreported my balances, I spoke with them about the promissory note, and asked who is the Holder in Due course of the note. I even asked for copies of billing statements, and their XXXX. They have refused to send me any documents, to include billing statements, promissory notes, stating there was never a promissory note and billing statements are not legal. They have only sent a payoff letter, which doesnt reflect any of the true balances. The login for my account, also doesnt reflect any of the history of the payments and credits to the account, it gives an error message. I have attached exhibits of the payments and credits to the account, along with proof of the credit of XXXX tender of payment, pursuant to XXXX. XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX XXXX ], and [ XXXX XXXX XXXX XXXX XXXX XXXX ], certified securities sent in certificated form. They have recently incorrectly reported my account 120 days past due, with an incorrect balance due on the account, after refusing to work with me and send me the legal documentations required by law. In addition, they have committed fraud by transferring, reassigning, selling, and trading the securities on the secondary market

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I made several complaints and the company 's came back and affirmed them. And they are still on my credit report. I'm currently still homeless and unable to get a house. These were all fraud and I have a police report. And all they still refuse to remove these things off of 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 2024-02-18 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: MI

Complaint narrative:
I sent several 609 dispute letters to XXXX, XXXX & Equifax contesting the validity of a bankruptcy and asked them to send physical proof that the bankruptcy court had verified the debt. All of them claimed it was valid without sending proof so I wrote them myself and have a letter confirming that in fact the credit reporting companies had NOT VERIFIED the debt with the court because the court does not report bankruptcy to the credit companies! I have a copy of this letter and I want it deleted immediately or I will sue for punitive damages!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent several 609 dispute letters to experian, XXXX & XXXX contesting the validity of a bankruptcy and asked them to send physical proof that the bankruptcy court had verified the debt. All of them claimed it was valid without sending proof so I wrote them myself and have a letter confirming that in fact the credit reporting companies had NOT VERIFIED the debt with the court because the court does not report bankruptcy to the credit companies! I have a copy of this letter and I want it deleted immediately or I will sue for punitive damages!!

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 2024-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I'm being harassed and defamed by debt collections agencies and merchant XXXX. A year or more ago A debt collections agency contacted me about the account and said it was sold to them. The collection account was disputed, I sent the receipt emailed to me from XXXX a year or more before, after I closed the account, I am not sure if the collections was settled. Now I have been rebilled for the account from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
This account was paid off. 
Destiny is continuing to charge me {$40.00} a month on a non sufficient fund fee that i processed and it was not my payment date the transaction was done on XX/XX/XXXX, my payment date was the XXXX i asked the agent if i made an early payment will the auto pay still make the payment on the due date she said no so on a non payment day i attempted to make a payment my bank did not accept it. I have paid them in full in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I. HAVING PROBLEMS WITH RENTING AN APARTMENT. Y CREDIT SCORE IS LOW DUE TOO HARD INQUIRIES HOW DO I GET THEM REMOVED SO MY CREDIT SCORE WILL GO BACK UP I REALLY DIDN'T KNOW WHEN I DID CREDIT CHECKS FOR THINGS I WOULD GET HARD INQUIRIES NOW MY CREDIT SCORE IS LOW CAN U PLEASE HELP THANKS

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 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Sunday XX/XX/2024 at approximately XXXX I pulled into the Bank of America drive thru atm located on XXXX XXXX in XXXX XXXX XXXX NJ and attempted to make an all cash deposit into the atm id : XXXX. I was able to deposit and process XXXX bills in {$20.00} for a total of {$1500.00}. When the atm prompted me what I wanted to do next, I selected deposit more funds. I attempted to deposit another XXXX bills in {$20.00} for another {$1500.00} deposit, now totaling {$3000.00} attempted cash deposit. Only this time, the atm started making funny noises as it tried to accept my bills, which the atm eventually took my money, but then froze. Didnt count, didnt process, didnt return funds. Nothing. I waited several minutes to see if anything would process or if the screen would change and nothing. Thats when I touched the keypad hitting enter and clear and instead at this point the atm ONLY processed my first deposit of {$1500.00} but not my second, ended my session and printed my receipt which recorded only {$1500.00} instead of the full {$3000.00}. I never got my XXXX deposit back at all. Thats when I attempted to call the help line advertised on the atm : XXXX and let the representative know the exact details above. They told me that because its Sunday and the bank is closed, there wasnt much that could be done today and that I would have to wait until Tuesday XX/XX/2024 to see the credit of {$1500.00} that got lost in the atm.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion reporting incorrect address. It should be XXXX XXXX XXXX. XXXX, Ohio 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