vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Upon reviewing my credit report, I observed inaccuracies in the listed accounts that need to be reported and corrected by your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy.

1. This late payment status is irrelevant XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications made on the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, 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 non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NH

Complaint narrative:
I have a student loan with Mohela. Every couple of days I log into my account to check stuff because I found information on my account is always changing, from the dates the loan is due to the amounts due on the loan. It's changing at such a regular rate ( without any activity, i.e. receiving a payment ) that I have no idea when I'm suppose to pay and how much I am suppose to pay. Today alone it gives me an amount due, which does not match the payment plan amount, and also says that my next payment is due on XX/XX/24 but on another line directly across from the payment date says payment isn't due until XX/XX/24. I also have opted out of paperless statements and have strictly switched over to paper statements so I have a paper trail of everything. The paper statements are very different from the online information. What is going on? How am I suppose to have a clear picture of what is going on with my account if the company that is responsible for my account doesn't even know what's going on with it? 
I have contacted Mohela via email and online messaging and never got a response. It says right on the website that they are having a high call volume problem and to find other ways of solving your problem because they can't handle the volume in which they are receiving calls. 
Why is the government using a service that clearly can not handle the loans it has, and what am I suppose to do moving forward when my account is so screwed up and no one is around to answer questions about it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is my assertion that the inclusion of inaccurately reported late payments on my accounts is a transgression of 15 USC 1666.

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 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I signed up for a Jet Blue master card issued by Barclay 's bank. There is a promotional offer with states that after I spend {$1000.00} and pay my annual fee in full I will receive XXXX true blue travel points. 

I have already spent over {$1000.00} ( {$1400.00} ) and the payment on my first statement will be paid on XX/XX/XXXX. However, the annual fee of {$99.00} was not on my first statement, so I can not meet the terms of the promotional offer.

When I contacted Barclay 's bank, they indicated that it would take 1 - 2 billing statements before the annual fee would appear on my statement. 

I informed them that by delaying billing of my annual fee they were delaying my accrual of XXXX points and delaying my ability to book a flight using those points. 

They would not not do anything to resolve the situation and did not offer any explanation as to why this was being done. 

I want to be billed for my annual fee immediately so that I can meet the terms of my promotional offer. 

Please advise. 

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 explanation
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
Im seeing this collections account on my consumer credit report. Im unaware of this debt and the entity from which it originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: CT

Complaint narrative:
RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
1. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: CT

Complaint narrative:
RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
1. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : XXXX XXXX XXXX XXXX XXXX : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an Amex eGift Card. 

I validated my card on XXXX XXXX XXXX XXXXhich shows a balance. 

I attempt to use this on XXXX and the transaction is declined. 

I tried again some time later and it was declined again. 

Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I declare under penalty of perjury ( under the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
PHH Mortgage services XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Acct No. XXXX All for the XXXX XXXX XXXX  They are consistently take my mortgage payments of {$1400.00} and apply them to an escrow, making my mortgage behind, imposing late fees, and reporting to the credit bureau. I have to call the mortgage company, stay on the phone for hours and multiple days, and follow up with more calls. I have complained about this happening four times in the last 12 months. I have never been late or missed a payment. 

I received an email LAST WEEK saying things were correct, but I received a statement that showed I was two months behind. Before this time and the last time I called. It showed me four months behind. I died inside. 

I made a complaint to the XXXX, and they still do this. 
They have caused my credit score to drop by XXXX points due to the deceitful practices. 

I HAVE NEVER BEEN LATE OR MISSED A PAYMENT, AS REFLECTED BY MAKING STATEMENTS, AS MY MORTGAGE IS ON AUTO-PAY. 

They will not stop. My mortgage payment is {$1300.00}, and I pay {$1400.00}. The balance is to go to the principal. That is not the case each month. 

Their systems says I don't have homeowners insurance yet. They paid my insurance company, and my policy is active and has never changed. Again deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's essential for consumer reporting agencies like XXXX and XXXX to handle their responsibilities with fairness and respect for privacy. As a consumer, I have the right to ensure my private information remains secure, supported by 15 USC 6801, which emphasizes the obligation of financial institutions to protect customer privacy. Section 604a ( 2 ) of 15 USC 1681 specifies that consumer reporting agencies can only furnish reports with the explicit written consent of the consumer. I haven't provided such consent to XXXX, XXXX, or any financial institution. Additionally, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers about their right to withhold personal information, which was not done by the information furnishers. Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information without authorization, which they've done unlawfully. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, and XXXX and XXXX are not maintaining adequate procedures to prevent violations. Lastly, according to 12 CFR 1016.7, consumers have the right to opt out at any time, and I am exercising that right regarding their reporting services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: Esusu, Inc.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's essential for consumer reporting agencies like XXXX and XXXX to handle their responsibilities with fairness and respect for privacy. As a consumer, I have the right to ensure my private information remains secure, supported by 15 USC 6801, which emphasizes the obligation of financial institutions to protect customer privacy. Section 604a ( 2 ) of 15 USC 1681 specifies that consumer reporting agencies can only furnish reports with the explicit written consent of the consumer. I haven't provided such consent to XXXX XXXX, or any financial institution. Additionally, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers about their right to withhold personal information, which was not done by the information furnishers. Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information without authorization, which they've done unlawfully. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, and Equifax and Experian are not maintaining adequate procedures to prevent violations. Lastly, according to 12 CFR 1016.7, consumers have the right to opt out at any time, and I am exercising that right regarding their reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by the XXXX XXXX, the platform XXXX XXXX using the domain XXXX which involved me making deposits for a total amount of {$270000.00} USD worth of USDT from my Coinbase account to fraudulent investment firm ( s ). 
I should also note that Coinbase has been charging me {$29.00} each month for Coinbase One although they blocked my Coinbase account 12 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Customer service representative informed me there was no way to make my statement available via us mail even via request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: OPORTUN FINANCIAL CORPORATION
State: NE

Complaint narrative:
Oportun recently announced they are closing and liquidating their investment accounts. On XX/XX/XXXX, my account was forcibly liquidated and a withdrawal of {$10000.00} was initiated. After about a week I reached out via email to ask how much longer it will be until the funds are deposited into my bank account. They said it takes 3-5 business days. It is now 7 business days and the withdrawal is still showing as " pending '' and customer service has been unable to tell me when exactly I will receive my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/year> : Deposited {$500.00} onto my Chime card to pay my cell phone bill XX/XX/year> @ XXXX XXXX paid XXXX XXXX bile {$480.00} a mistake was made by the agent and the money was immediately refunded to my Chime account. I waited until the money showed back up on my account and re paid the payment ( {$480.00} at XXXX XXXX ). 
The next day Chime notified me my account was overdrawn, when I checked the return of the initial payment had been removed and BOTH XXXX XXXX payments had been withdrawn. 
I called XXXX XXXX who showed both paymens coming out but they also showed the one being returned and they gave me copies of this. I filed a dispute with Chime on XX/XX/XXXX after trying to resolve on the phone with agents.. This dispute was denied because they stated that XXXX had not returned the money ( of which I had provided them proof ). After calling for several days on XX/XX/XXXX I asked that the dispute be reopened and again submitted all requested information. I received an email this morning that they had denied the dispute because the transaction never happened. 

Apparantly they do business as XXXXXXXX XXXX in Delaware

Company response to consumer: Closed with explanation