vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 

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 explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : XXXX XXXXXXXX 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 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, and XXXX XXXX XXXX XXXX 

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
PayPal locked my PayPal account and will not unlock it until I pay XXXX because they said I had a negative balance. In the meantime PayPal credit took XXXX out of my bank account and I cant get into my account to even change payment or anything. I feel as though I am being distorted out of money because Im not able to make any decisions on my account and they are making decisions without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The person that chase assigned to resolve my issue doesnt understand math and its impossible to fix the issue without knowing basic math, the forbearance amount placed at the end of the loan should be 12 payments and chase mistakenly only put 8 also started foreclosure when repeatedly told me they wouldnt and that created an extra cost. I need those fees removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
I am unsatisfied customer of Title Max. When I opened my title loan the representative gave me a total debt of {$1300.00} due to be taking out a loan of {$1100.00}. He assured me that I had 12 months to pay off my loan as long as I made the minimum payment of {$190.00}. I have made 4 payments. Yesterday for {$250.00}, XX/XX/XXXX for {$190.00}, XX/XX/XXXX for {$200.00} and XX/XX/XXXX for {$200.00}. Once I checked my balance on the online portal I noticed that the debt balance of {$1300.00} had not decreased. I called and asked why hadnt it and how I should have a balance of {$500.00} and I would be settling it and closing out the account next week. Title max assured me that I could not close my account and that my balance was still {$1300.00}. TitleMax then stated that my monthly payments were for the customary fee. However I was not informed of a customary fee outside of the minimum monthly payment of {$190.00} that I was told to make. I have called the customer services for hours this entire week and every one is selling me the same pitch. I then conducted a research and seen several articles referring to Title Max mispresenting their loan to other customers. I was then lead to your company and spoke with a representative who told me that the article and actions were taken in the year XXXX so she did not know what would be the appropriate steps due to this happening to me now in the year XXXX. She advised me to contact Title Max and request an enforcement action. Title Maxs XXXX District Office contacted me and declined that request. Title Max dismissed my case with a bland statement asserting that they know the manager XXXX. Title Max stated that XXXX has been with them for 8 years and would not have told me I had more than 30 days to pay off my loan. Implying that I am liar and he is credible due to longevity and relationship. This is unfair. This is injustice at its best.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
I am a XXXX XXXX citizen : 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 : National Enterprise Systems, Account reference # XXXX in behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. have violated my rights. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I have not given any written consent to any agency or company to publish any private or confidential information regarding my person.

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 2023-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Good Afternoon.. my dears At Consumer Financial Protection Bureau.. greeting My complain today is against [ Wells Fargo Bank, Service of process ], Since after almost more than 5 months wells Fargo Service of process , returned My judgement uncollected Because, of their own mistake [ wells Fargo Altered my Civil case NumberXXXX ] Please see my email message.XXXX 


Kind attention : my dear XXXX XXXX senior business Exceution Administrator good morning.. and Good morning to my dears at service of process team at wells Fargo bank as well. 
Dear XXXX I noticed very big mistake in your letter you sent it To me on date XXXX XXXX My case is XXXX Also all Defendants names are listed here [ Plaintiff Federal Procedure XXXX ] Attached for your kind attention See also [ judgment statement of cost ] Also puch of Defendants names Listed at petition Write of XXXX XXXX above Dear XXXX please process My judgement, since the civil case Been found on your correspondence to me was wrong Please notify me upon receiving My email message, thank you, and XXXX Bless Yours 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 explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc.
State: MS

Complaint narrative:
I went to Advance America to inquire about a loan ' I have never been inside of this business, I called first to ask what I had to have to receive a loan with them so I got the information they ask for and the XXXX that was there did my application this was on my birthday in XXXX and she never could look me in my eyes and never said any thing straight to me ; she told me that if I got the loan i could pay it off when ever I wanted to ; she did not tell me that I would have to pay back the same amount I borrowed ; that the I would only be paying XXXX or XXXX dollars on the actually account ; my bill was never going down I made XXXX payments and I stopped the XXXX one because I was not paying on the actually bill my payments was XXXX ; I ever received a receipt in the mail, I went up there and talked to XXXX of the workers and she gave me all of my paperwork ; I looked and seen I was not paying off this loan at all, these people at Advance America is targeting people that is on a fixed income no one that was young. I got a call on the today which is XX/XX/XXXX I told the young lady that it should be against the law to charge elderly or any person that much interest 248 % I had XXXX payment and they had me paying back XXXX XXXX dollars 3 times what I borrowed the account would never go down to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliant Capital Management LLC
State: MA

Complaint narrative:
I owe on a loan I took out. I have repeatedly received phone calls from XXXX along with her calling my family and friends over and over. Making it sound like shes looking for me and something bad has happened to me. I told her to call me directly and to stop harassing my family and friends. I told her I received an email from her company and I was trying to go online to set up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/2022 I sent an electronic payment of {$110.00} through my online bank payment system to XXXX XXXX  for my BJ 's account balance as I always clear my card balances each month. Mid-XXXX  I received notice that my payment was not received. I stopped payment through my XXXX XXXX account and sent out another electronic check on XX/XX/2022 which XXXX, now Capital One says they haven't received. Besides calling and speaking to numerous supervisors, I have promptly faxed the company every type of information they have requested from me! I have gone to XXXX XXXX and gotten print-outs of the electronic transfers which was requested and faxed them to Capital One. I have a case number and names of the supervisors. Capital One is adding late fees and interest onto the account which has brought the balance up past {$200.00}. I just closed the account last week until it is cleared up. I do not know how to upload the documents below. 
Please help me clear up this problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: IN

Complaint narrative:
Prior to my PSLF loans being transferred from XXXX  LXXXX to Mohela, XXXX  XXXX wrongly rejected one of my employment verfications ( dated XX/XX/XXXX ). In XX/XX/XXXX, I resubmitted the form to Mohela, got no response. Submitted a new form in XX/XX/XXXX that included all the months up to and after the XX/XX/XXXX submission. That form eventually got tagged as a duplicate, despite including more recent months and having a different date. I emailed them in XX/XX/XXXX explaining it was not a duplicate and the dates were different. They did not respond. At that point I wasn't sure what was happening with the form, it didn't show as rejected. I waited longer, by XXXX it was still not processed. I called them again in XXXX and the rep said my form had wrongly been marked as a duplicate, she would resubmit it and it would process in 14 days. One week later I get an email that I'm still not eligible for PSLF loan forgiveness because I don't meet the 120 month count. But if they give me credit for the months I've submitted, I far exceed the 120 months. I called again, and they told me I'd have to wait another 50 days. At this point, I'm at 145 eligible payments, and the only thing saving me is the freeze on loan payments. Their customer service is horrible. They don't respond to emails, despite giving that as an option for communication. For months after the loans were transferred you couldn't get any human on the phone. Now you can reach someone, but they seem incompetent to do anything. They just recite canned language to you and don't problem solve an issue. I have $ XXXX in loans that are overdue for being forgiven and I've submitted all the required paperwork OVER and OVER. I have not been given credit for public service employment since XX/XX/XXXX, despite continuous employment and verification.

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.

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 2023-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zions Debt Holdings
State: NM

Complaint narrative:
I spoke with the agency Monday to settle the debt. They would not accept my payment amount offered. Contacted me 4 days later to threaten to pay the debt or they will take legal action. Law states they can not contact me within 7 days of speaking with me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I called XXXX XXXX ( my credit card company ) and ask them if they could add my account information to Equifax Credit Bureau Agency so i can have a longer credit history on my Equifax credit report. XXXX XXXX reply 's that I need to contact that credit bureau and have them add it on to my report. And I called XXXX XXXX and Equifax least 3 times Each and almost 3 hours later, both parties claim that there's nothing more on their end they can do. 
My question to XXXX is what can i do on my part to get my XXXX XXXX credit card info on to my Equifax credit report? i have excellent payment history gone unnoticed and 11 years of great credit payment history. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NV

Complaint narrative:
ONLINE Information Services claims to be a debt collector and tried to collect money under the use of XXXX XXXX XXXX. When we contacted XXXX XXXX XXXX, they told us that they were not involved with them.

Company response to consumer: Closed with non-monetary relief