vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
Against my better judgement I went to TitleMax that was located in my current residential location at the time in XXXX, Ga. Went through the entire process even as far as electronically initialing loan documents for the pawn and giving them my title to be told I was approved for the original amount of {$1200.00}. The approval amount was to be posted in my bank account after completion and submission of all required documentation electronically instead of doing an payout in cash. After not receiving the approved amount I reached out the following business day to ask what the delay was to be told by the representative that their system had been having issues causing payment delays but to be expecting my payment by the end of the business day. However the following business day after speaking with representative on the phone I received a letter IN THE MAIL stating my application was declined do to not completing my application for credit amount my title was approved for. Therefore they didnt submit any documentation which was the reason why I never received my payment and still kept my title an said I had to pay something back I never received. Also trying to repossess a vehicle that they never paid out the pawn for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: LA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
This is an inappropriate system to be disregarded and taken advantage of while a great deal of guidelines are broken due to carelessness and the earnestness of not survey what is happening in a serious manner. Has caused Financial injury and analysis of character close by at least 60 days of no response This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused XXXX injury and investigation of character nearby something like 60 days of no reaction. 

This is an ill-advised system to be excused and taken advantage of while a ton of rules are broken in view of remissness and the validity of not outline what's happening in a serious manner. Has caused Money related injury and examination of character close by something like 60 days of no response. 

This is an uncalled for framework to be overlooked and exploited while a lot of regulations are broken because of negligence and the seriousness of not viewing what is going on in a serious way. Has caused XXXX injury and criticism of character alongside 60 or more days of no reaction. 

Need to eliminate all regrettable/unanswered things Need to dispose of all unfortunate/unanswered things Need to discard all sad/unanswered things Need to dispose of all miserable/unanswered things

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was expecting a XXXX refund to my Chase credit card from my foreign purchase in XXXX in the amount of XXXX XXXX. On XXXX XXXX, I received the amount of XXXX XXXX for the refund. Since XXXX XXXX rate seems incorrect, I called Chase customer service and they told me I have to wait till XX/XX/XXXX to know the conversion rate and it will show up on my credit card statement. 

I checked with the institution that initiated the refund. They confirmed that the amount refunded is XXXX XXXX and provided me with the receipt of the transaction. They told me that the conversion happens on the banking institution. 

I waited till XX/XX/XXXX, but there was no exchange rate nor source amount on my statement. I called Chase again, and this time the agent told me XXXX XXXX rate was XXXX XXXX XXXX XXXX XXXX, so I should be expecting XXXX XXXX XXXX XXXX XXXX XXXX. Observing the significant difference, the agent told me that she will file a investigation to look into this. After XXXX XXXX  of waiting, I called Chase again for the status of the investigation, and this time the agent told me that the amount Chase received was XXXX XXXX, which is much less than the refund amount ( XXXX XXXX ) the merchant confirmed with me. When I asked her to provide me with the documentation from Chase, she refused to provide it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 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: PA

Complaint narrative:
I am writing to express my dissatisfaction with the handling of my student loans since their consolidation on XX/XX/XXXX. I applied for loan consolidation to become eligible for the Public Service Loan Forgiveness ( PSLF ) program and requested placement on the SAVE Plan. However, I have faced numerous issues since then : On XX/XX/XXXX, I was informed that my consolidation was complete, and Mohela would be my new servicer, but I have been repeatedly placed on incorrect payment plans. 

Despite following their instructions and resubmitting the SAVE application five times, I have been placed on the Standard Payment Plan, IBR-C Payment Plan, and now the Level Payment Plan, resulting in monthly payments over {$800.00}, which is significantly higher than what I qualify for under the SAVE Plan. 

Due to Mohela 's errors, I have been placed in forbearance every month from XX/XX/XXXX to XX/XX/XXXX, causing these months not to count towards my PSLF payments.

I am eligible for the SAVE Plan, and these issues are jeopardizing my ability to have these loans forgiven within a reasonable amount of time and significantly adding to mental stress and anguish.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of Identity Theft since 2019 and I have paper work to show.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I keep getting letters in the mail from a collection company in regards to this debt. It is not mine. I did not open the account, nor did I authorize it. I contacted the company through consumer finance.gov requesting proof of the account along with my signature and all the information in regards to this account, and when it was opened, which was never provided. 
I requested original documents, dates, signatures, and nothing has been provided. This account was opened due to identity theft, which I have attached the identity theft report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
A Car was financed under my name at XXXX XXXX in XXXX XXXX XXXX FLORIDA. I have called and stopped by the dealership numerous times and I have called the police numerous times. i am not getting any help. That is not my signature on any of the documents.

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 2024-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: IA

Complaint narrative:
Received a letter from a company called One Advantage, LLC, They claim that I owed money ( {$1000.00} ) and asked me to pay {$150.00}.

I never heard of the medical company they referenced, never had service from them.

This is clearly a scam that is trying to take advange of persons who may have medical debt ( many people do given the cost ).

I am reporting it so that others are not harmed by this scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: CT

Complaint narrative:
Back in XXXX, before my payments were meant to start in XXXX, I filled out an application to have my payment amount lowered, since I can't afford it. The application was never processed, even after calling numerous times to check on the status. I was then put on forbearance from XX/XX/XXXX, until after XX/XX/XXXX, and they assured me it would be processed by then. I got an email on XX/XX/XXXX stating my repayment schedule was changed, and now on some pages of their website, it says my payment is due, while on others it says it's due XX/XX/XXXX. Which is it? And it still has not been lowered to the amount I applied for. This is getting ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Prosper Marketplace, Inc.
State: CT

Complaint narrative:
This account was discharged in a bankruptcy on XX/XX/year> in the State of CT. I've contacted Prosper numerous times over the last few weeks to tell them but they continue sending me emails, messages and today I received a letter from them in the mail.

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 2024-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc.
State: FL

Complaint narrative:
A letter was sent to R.T.R Financial Service , Inc on XX/XX/XXXX, requesting the validation of the following debt in accordance with FDCPA, 15 USC 1692g : Account # XXXX in the amount of {$990.00}. In my letter I requested, the following : ( XXXX ) A detail description/charges of the alleged debt, original amount and creditor. As of today, XX/XX/XXXX no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX. I am writing to bring to your attention a distressing issue involving your cryptocurrency company. I recently reported a fraudulent incident to XXXX, the receiving cryptocurrency exchange, based on the findings outlined in the " XXXX Forensic Evidence Report ''. However, XXXX informed me that the recipient wallet address used by the scammer does not belong to their exchange. Instead, they suggested that it might be a " third-party wallet '' associated with your cryptocurrency company. According to XXXX, the wallet in question interacted with a smart contract commonly used for Coinbase transactions. Hence, they believe it may be linked to your cryptocurrency company. I urgently seek your assistance in investigating and recovering my funds from the scammer who exploited this wallet address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
Hyundai capital America - Amount - {$17000.00} DateXXXX XXXX XXXX Action taken towards me was an charge off. 
I have no knowledge of this account I am a victim of identify theft. 

Hyundai Capital America - AmountXXXX {$3700.00} DateXXXX XXXX Action taken towards me was written off by lender. 
I have no knowledge of this account I am a victim of identity theft. 

XXXX XXXX Amount- {$960.00} Date-XXXX  XXXX Action taken towards me was a collection Account .I have no knowledge of this account. 

Inquires that I have no knowledge of- XXXX XXXX XXXX DateXXXX DateXXXXXXXX XXXX XXXX XXXX DateXXXX DateXXXX XXXXXXXX XXXX XXXX DateXXXX XXXX XXXX XXXX Date-XXXX XXXX XXXX  DateXXXX

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Aldous was informed by original creditor ( XXXX XXXX ) that the account was satisfied as it was an error on the clubs behalf. 

Aldous stated theyd remove the collection from my credit but has yet to do so. 

This is impacting my financing ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Cherrington Firm PLLC
State: SC

Complaint narrative:
Today I received a call from the Cherrington Firm leaving a message that I had a debt. Then I received a message from my father, who has no financial affiliation with me, that the cherrington firm called him to collect a debt from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: NY

Complaint narrative:
The following items I have tried over and over with these people and I can't get anywhere with the helping me the following items listed on my report I don't know never did are anything but the go by not answering me or removing the following items needs to be removed from my report. XXXX XXXX XXXX Account number XXXX fraud accout U.S. Bankruptcy Court Reference number XXXX. Never filed any bankruptcy in my life time inquiries : XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Please remove the items and stop them from reporting this is going on long enough now.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : Equifax Data Breach Complaint To whom it may concern, My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof ( personal engagement number : XXXX ) that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Account Name Account Number - 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: NY

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I requested my credit card be canceled on XXXX XXXX, 2023. The card is still with an available balance. Navy Federal Credit Union is currently in a lawsuit for discriminatory practices. And are currently committing securities fraud in my name. They have not helped me in the 3 times I have contacted them, and have hung up on me multiple times which is a violation of the FCC rules, and regulations. When I applied for a loan they requested my ssn, which is a violation of Title 42, USC 408, Title 15 USC 1602 ( g ), and Title 15 USC 1681 ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation