vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: Nelnet, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX submitted XXXX application and received a note that will have update within 7-10 business days which would put me prior to my due date of XX/XX/XXXX. I have not heard anything to date, my payment remains to be too high, and I resubmitted another application after continually reaching out. This will effect my credit rating which is a major problem! Company has yet to respond!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Palisades Funding Corporation
State: NY

Complaint narrative:
I am filing a formal complaint against Palisades Funding Corp for the wrongful repossession of my vehicle. On XX/XX/, my vehicle was repossessed due to Palisades Funding Corps claim that my XXXX XXXX registration was suspended. However, I had already registered the vehicle in XXXX after relocating, with a valid and visibly displayed registration. 

Palisades Funding Corp employed misleading tactics, failed to explain why they needed my vehicle keys, and later demanded over XXXX car payments and a co-signer for its return. Such requirements were not outlined in my loan contract. 

Moreover, they violated my privacy by sharing my personal and financial information with a third party to facilitate the repossession. This action was taken without my consent and not stipulated in the contract. 

To continue commuting to work, I had to incur unexpected expenses due to the wrongful repossession, including {$400.00} in XXXX expenses. 

I am requesting : XXXX. The immediate return of my vehicle without a new contract. 
XXXX. A complete refund of {$10000.00} for all payments made, including the down payment XXXX expenses to get from work to home ( XXXX ) I have tried to resolve this matter directly with Palisades Funding Corp to no avail. Your intervention is greatly appreciated. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Dovenmuehle Mortgage, Inc.
State: LA

Complaint narrative:
First off, it was a nightmare ordering and receiving a payoff statement from them. After closing, the title company wired the funds to payoff the HELOC. The wire was sent on Monday, XXXX XXXX, XXXX  at XXXX p.m. To this date, it is still not showing that I have a {$0.00} balance. I've called several times. Their customer service representatives are rude and not helpful. In " verifying '' my identity, I answered XXXX. XXXX questions for them. The last question was to verify my email address. I have only had XXXX email addresses in my life. She kept asking me if I had any other email addresses. I responded NO. She then said she couldn't verify my identity and would not be able to help me. I've called over and over again and get the same rude, disrespectful representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
At the end of XXXX.Multiples unauthorized payments were allowed that i had to have rescinded XXXX Was told a XXXX XXXX dollar adjustment was made and then asked to have it taken off and they said tough luck just figure it out and pay it back. 

XX/XX/18 Was told a XXXX dollar payment I made hasnt been applied to credit limit and I asked multiple times and they said it was waiting then, on the day it was meant to paid back they backtracked and said it was even though on multiple recorded lines said it hadnt and even had me verify with the bank twice. 

I asked for a limit raise as a gesture of good will or just a credit adjustment of the misled amount to make up and they refused saying they could do nothing. 

I have been lied to multiple times over the past few days and you can request the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: GA

Complaint narrative:
A copy B for Debtor was received 1099-C sent by XXXX XXXX confirming payment of the charged off account that has the balance of {$11000.00} which i will attach separate from this letter this is confirmation that the debt has been settled and needs to be removed and not shown as charged off. I am requesting this account for this balance to be removed from my credit report as settlement has been established by both parties and XXXX XXXX XXXX continue to report to XXXX, XXXX, and Experian an account that has been settled I am requesting that this account with XXXX XXXX  to be removed from 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 explanation
Consumer complaint received 2023-10-18 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: FL

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-10-18 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I paid for a roundtrip from XXXX XXXX XXXX XXXX XXXX XXXX, and back to XXXX  from XXXX, XXXX on XXXX XXXX  through my American Express card on XX/XX/2023, for {$1600.00}. 

When I went to the XXXX XXXX counter at XXXX XXXX on XX/XX/2023 for my scheduled flight back to XXXX  I was told that someone cancelled my flight, but it wasnt me, and the airline didn't know who it was. I know I did not cancel the flight. The counter official was in contact with XXXX in XXXX XXXX throughout our discussion. I pleaded with XXXX counter official to give me a boarding pass since I paid for the roundtrip flight and XXXX XXXX still had my payment. There was still room on the flight for XXXX more passengers. I spent about XXXX minutes or more trying to persuade the XXXX counter official to let me on the flight but to no avail. She said she had to leave and just said good luck. 

It was about XXXX XXXX XXXX XXXX  and I found a flight on XXXX XXXX to XXXX  that left in XXXX XXXX XXXX XXXX, But since the flight was nearly full and I booked it at the XXXX  counter with little time remaining for the flight I had to pay the maximum coach price which was {$1900.00} one way to XXXX. Even with a refund on XXXX XXXX  of {$1600.00} I would still be out {$200.00}. 

I came to the XXXX to marry and the marriage ceremony was wonderful and everything would have been great except trying to get back to XXXX, XXXX. I live in XXXX XXXX, Maryland. So I have requested the refund of {$1600.00} that I paid American Express for the flight on XXXX XXXX which the airline would not allow me to complete. 

I protested to American Express for the amount that I paid XXXX XXXX since even though I was able to fly from XXXX XXXX XXXX to XXXX, XXXX I had to pay {$1900.00} On XXXX XXXX to get back from XXXX to XXXX  XXXX XXXX. 

I said that in a statement to American Express. XXXX XXXX responded that I got a refund of about {$64.00}, which was a very small amount compared to {$1600.00} I paid for XXXX XXXX and {$1900.00} for XXXX XXXX. American Express just accepted whatever XXXX XXXX stated and not what I wrote and spoke to American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Debt is not paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( Account name 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: TN

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.

has violated my rights. Or a list of inquiries : 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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a distressing incident I recently experienced with TD BANKXX/XX/XXXX, which has left me both frustrated and inconvenienced. I believe that as a consumer, it is essential for our concerns to be heard and addressed. 

Today, my SSI check was deposited at TD BANK with the expectation that the funds would be available in a timely manner. Unfortunately, there was a significant delay in processing my deposit, resulting in the funds not being available until approximately 12 hours later. This delay had a cascading effect on my day, as I had several important appointments that I was unable to attend due to the unavailability of the funds. 

What added to my frustration was the response I received from TD BANKs customer service. When I contacted them to inquire about the delay and express my concerns, I was met with unhelpful and dismissive answers. To my surprise, they suggested I contact SOCIAL SECURITY, which seemed entirely unrelated to the issue at hand. This not only left me feeling unheard but also left me without a satisfactory resolution to my problem. 

To compound the matter, it became apparent that the delay was a result of a computer glitch or some technical issue on their end. However, the bank failed to acknowledge responsibility for this incident. In such situations, I believe it is the bank 's responsibility to ensure that customer transactions are processed efficiently and without unnecessary delays. 

I am writing to request your assistance in addressing this matter with TD BANK. I believe that consumers should be treated with respect, and it is crucial that financial institutions like this take responsibility for technical issues that directly impact their customers. 

I kindly request your guidance and support in resolving this issue. I hope that you can assist in ensuring that TD BANK acknowledges the problem and implements measures to prevent such incidents in the future. 

Thank you for your time and consideration. I look forward to your response and any assistance you can provide in rectifying this situation. 

Sincerely, XXXX XXXX XXXX Also I would like {$70.00} refund for overdraft that was only under {$20.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Today XX/XX/2023 and each month prior for the past XXXX months they pull prior to the XXXX. They dropped my score another XXXX points today due to their illegal procedures.

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 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I booked a pair of international flight ( business class ) ticket via Chase XXXX, which paided XXXX usd and used XXXX Chase reward points. 
2 days before departure, I discovered that either Chase or the airlines cancelled my seats, without any notice. The fight was NOT cancelled. 
Chase XXXX agent and I called the airlines, the airlines refused to rebook my seat to business. I had to accept economy. This rebooking process also took XXXX hours and I've spent the entire afternoon of XX/XX/XXXX on this. 
As for service recovery, Chase XXXX agent offered to return all XXXX points back, which I accepted. All of this conversation has taken place on a RECORDED line. 
Recently, I contacted Chase and Chase XXXX for the points return and they have retracted on their offer/promise. I have spent countless hours with Chase and all they want to do is refund XXXX and XXXX points ( which is fraction to I paid ). 
Also I found out that Chase has outsourced Chase XXXX and the agents at the outsource company has caused many customers to suffer from their lack of responsibility and unprofessionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA

Complaint narrative:
I was collected by ESCI who informed me that they represented US DEPARTMENT of Education. They told me that I had an unpaid XXXX loan back in XXXX that was not paid. I paid the school all the loan paid around XXXX, but I do not have any receipts from XXXX year ago. They begin reporting bad information to the credit bureaus and they informed me that it will continue until I repay the loan. They reported that I made payments for XXXX months this year but I didn't. I only heard of the debt this year after I supposedly made the payment. I have a letter directly from the US Department of Education that my student loans were repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: LEXISNEXIS
State: NC

Complaint narrative:
Lexis Nexis is reporting a dismissal XXXX to all XXXX credit agencies without ( No permission ) the court of clerks did not or doesnt report to the creditor agencies XXXX XXXX XXXX, and XXXX . It wasnt a discharge bankruptcy I never went through with the XXXX  XXXX it was dismissed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I have never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This is the same problem that was resolved in my last CFPB complaint. I do not understand why this is occurring again, this time with a different collection agency. Please help me resolve it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-10-18 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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief