vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I purchased {$400.00} Google Play gift cards, which are both of {$200.00} face value each at XXXX on XX/XX/. Upon my attempts to redeem the purchased gift cards to my Google Play account, an error requesting for more details prevented me from using the card. I contacted XXXX about this issue on XX/XX/. After waiting couple of weeks to hear back from XXXX, I was referred to reach out to Google directly about this issue. I reached out to Google as advised, and provided proof of purchase and gift card pictures. Google refused to allow me access to redeem the purchased gift cards till date, which violates bot Federal Law and California Law that governs purchase of gift cards. All my efforts in getting this issue resolved were all trampled upon by Google. I really wonder why Google would intentionally, and flagrantly violates the Law, and still feel they are untouchable. Their persistent refusal to allow me redeem the cards which I bought since XXXX till date is the true definition of a company that has minimal to zero respects for the law.

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 2023-11-28 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX of XXXX, my experience with Home Depot took an unexpected turn when I received a text about an attempted charge of over {$800.00} on my card. Swiftly responding with a resounding " No, '' I immediately contacted Home Depot to ensure the charge was halted and to cancel my card for security measures. 

During the call, I took the opportunity to inquire about any other transactions on my card. Surprisingly, they informed me of two additional smaller charges that had gone through on the same day. I promptly asserted that these were not my transactions and requested their removal. Additionally, I sought a case number and details on how I would be updated about the ongoing investigation. Initially met with resistance, I persisted until they finally provided me with a case number. 

Despite my efforts, my claim faced a setback as it was denied on the grounds that the purchases were allegedly made with the card chip inserted. Puzzled, I emphasized that I had maintained possession of my card and had not set foot in a Home Depot for years.

To add to the frustration, Home Depot claimed to have mailed me letters and a replacement card. Despite multiple confirmations of my mailing address, not a single letter concerning my case reached me. Now, I find myself in a perplexing situation, forced to pay for purchases I did not make, all while grappling with an exorbitant 30 % + interest rate. 

How this occurred remains a mystery to me, especially considering the supposed use of the card chip. It appears that these fraudsters have evolved their techniques, leaving me both bewildered and disheartened by the unfolding events. My hope is that this unfortunate experience does not happen to anyone else and that measures are taken to prevent such incidents 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 monetary relief
Consumer complaint received 2023-11-28 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: DC

Complaint narrative:
On XX/XX/XXXX  unauthorized inquires was discovered on my TransUnion credit report. When I contacted the creditors Burau listed above, they said " they can't remove the inquires. And said there are no such accounts or inquires on my 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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Ascension Point Recovery Services, LLC
State: CA

Complaint narrative:
My mother died. I informed XXXX XXXX. They immediately turned the account over to collection and closed all access to her account. I have repeatedly sought her final bill. Now I have a letter from the the collection agency that there are over {$110.00} in fees. I have contacted the collection agency multiple times and they have been unable to provide the information. A call to XXXX is auto routed to the collection agency. Get me the bill so I know what is owed and if it is accurate and if it should be paid. And how can you charge a dead person fees?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: TX

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
1st Franklin Shared Private information to an non affiliated Third party I demand my information be removed immediately from the consumer reporting agencies XXXX, XXXX and XXXX Also XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: PA

Complaint narrative:
Mohela is illegally trying to force borrowers to recertify before they are required to even though it says on the Student Aid. Gov website that borrowers did not have to recertify during to the pandemic or for 6 months after. 

Because of Mohelas illegal behavior, I am now in forbearance waiting to be placed back on the IDR plan I was on before the COVID pause. My loans have accumulated interest that they should not have because of this. 

I have already filed one complaint and I am still waiting to for Mohela to correct their mistake. 

I believe Mohela is committing a crime by intentionally giving out misinformation that is easily verifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On XX/XX/2023 unauthorized inquires was discovered on my Eperian credit report. When I contacted the creditors Burau listed above, they said " they can't remove the inquires. And said there are no such accounts or inquires on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account has been closed by Wells Fargo with no further explanation other than the bank has the right to end the relationship with you. I am trying to get further information as to why an account with XXXX and activity as of XX/XX/XXXX  was closed. Im concerned that my identity was stolen so I would like more information from the bank as to why the business relationship was ended.

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 2023-11-28 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: NY

Complaint narrative:
This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive contacted companies multiple times regard my background coming up as fraud with previously proof showing identity.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This company has violated the USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C 1681g and 15 USC 1681 a I demanded attention from a live representative to fully investigate fraud information on my report. I relied on this company to verify complete and accurate information. I have yet to receive any documentation that I owe the company listed. Im trying to rent and was recently denied because of the damage on my report this is a defamation of my character. Im currently homeless and this company is violating the laws by reporting false and fraudulent information. Ive been disputing since XXXX asking what did the company send to prove it was me. I want the fraudulent and in accurate accounts removed immediately.

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 2023-11-28 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: IL

Complaint narrative:
This company has violated the USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C 1681g and 15 USC 1681 a I demanded attention from a live representative to fully investigate fraud information on my report. I relied on this company to verify complete and accurate information. I have yet to receive any documentation that I owe the company listed. Im trying to rent and was recently denied because of the damage on my report this is a defamation of my character. Im currently homeless and this company is violating the laws by reporting false and fraudulent information. Ive been disputing since XXXX asking what did the company send to prove it was me. I want the fraudulent and in accurate accounts removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
CREDIT CONTROL SERVICE XXXX This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2023-11-28 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: FL

Complaint narrative:
I sent letters on XXXXXXXX  XXXX and XXXX - the last didn't received the requested information. I have included a summary of the letter.Enclosed is a list of accounts that you claimed were verified. Thank you for your prompt attention to this matter. 
XXXXXXXX XXXX XXXX with account number XXXX I disputed this account and nothing was sent to me to legally verify this account XXXX XXXX  with account number XXXX I disputed this account and nothing was sent to me to legally verify this account Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided to completion of your investigation. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumers from inaccurate and unfair information in their credit reports. Under the FCRA, Consumers have the right to dispute inaccurate information on their credit reporting agency can not verify it.The FCRA also requires credit reporting agencies to investigate and respond to consumer disputes within 30 days of receiving them. If the credit reporting agency can not verify the accuracy of the disputed information, it must remove it from the consumer 's credit report.If a credit reporting agency refuses to remove inaccurate information from a consumer 's credit report, the consumer may sue the credit reporting agency for damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
ROCKET MORTGAGE LLC, in writing, promised that three ( 3 ) forbearances of fifteen ( 15 ) monthly mortgage payments of {$620.00} would be deferred at XXXX interest and not payable until the end of the loan account XXXX. 

Instead, ROCKET only deferred the principal portion of said fifteen ( 15 ) payments as follows : On XX/XX/XXXX, {$550.00} for four ( 4 ) deferred payments for XXXX, XXXX, XXXX, XX/XX/XXXX ; and on XX/XX/XXXX, {$1000.00} for XXXX ( XXXX ) deferred payments for XXXX, XX/XX/XXXX and XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; and XX/XX/XXXX, {$800.00} for XXXX ( XXXX ) payments for XXXX, XXXX, XXXX, XX/XX/XXXX for a total of {$2300.00} ( see XXXX XXXX XXXX FROM ROCKET MORTGAGE LLC with annotations ). The remaining {$7.00}, XXXX has been accruing interest on the alleged 1st principal balance. Additionally, ROCKET alleges a 2nd principal balance for the entire fifteen ( 15 ) payments that total {$9.00}, XXXX, when it only reduced the alleged 1st principal balance by {$2300.00}. Lastly, ROCKET mortgage failed to credit two timely homeowner payments from XXXX XXXX, XXXX, and XX/XX/XXXX, for a total of 156 days. ROCKET has illegally charged interest on {$7.00}, XXXX, which it denies needs to be reduced from the alleged 1st principal balance, for ( XXXX  YRS and XXXX MOS or XXXX days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I would like to request to correct thy companys habit of writing letter. For three times, I have received a paper, which says update on your claim. However, these letters, at least two of them, do not have any claim number ; therefore, I do not know what kind of information thy company want. As far as I remember, I have sent many documents to thy company and other companies. And, simply, I do not know what I have sent. Also, I do not know what kind of claim number you have made to my papers. At least, as far as I see, there is the claims regarding XXXX and XXXX XXXX XXXX, both I can not understand what going on. XXXX asks sometimes some survey, which asks about its horrible service. Toward them, I just give the negative answers ; therefore, I believe it does not know what it should do ; even if there are some inquiries how to connect with me by my fans and customers, because I still use the business cards with the business address connected with XXXX. Regarding XXXX XXXX XXXX, I just stopped because its offered package was mysterious, and I believed myself it charged even though I canceled. And there were unexplained insurance activities regarding this office, too. I am certain I sent more information to thy company regarding insurance companies. Therefore, without any claim numbers, I can not send any information to the provided address. Anyway, I just want to ask you whether you ever have had to give me the claim numbers so far properly. I just hope you stop sending the document, which does not have any claim number ; otherwise, it causes uncomfortable feeling to neglect my feeling and cause uncomfortable sense. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-28 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: TX

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I received a email stating that there was a hard pull on my credit score. 
It showed one main financial but I never inquired into a loan recently. I had used their service months ago in which there was a soft pull. But there was another hard pool today XX/XX/2023 This was not done by me. 
I called and they said they cant do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
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 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. 
Old auto loans Old credit cards Old personal loans Multiple inquiries

Company response to consumer: Closed with explanation