vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERVICE has violated Federal laws concerning the use of private information. CREDIT COLLECTION SERVICE is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting CREDIT COLLECTION SERVICE to provide documentation used to determine that all disputed negative accounts were verified, consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language. If CREDIT COLLECTION SERVICE isn't able to provide said items, negative accounts must be removed immediately. 

Consumer has attempted to resolve this matter for over a year, Consumer is providing 3 days to verify the alleged debt CREDIT COLLECTION SERVICE you are interfering with commerce and this is a Federal Crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I paid my credit card in full back in XXXX and the XXXX XXXX has been reporting each month to Transunion and TRANSUNION has not updated my credit card to {$0.00} so my utilization now looks like I am at 85 % and it is affecting my credit history and score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: FL

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I claimed and declare that I had my XXXX XXXX since XX/XX/2019, but the 3 credit bureaus has never reported my mortgage on my credit report. See the attached copy of my credit report and other documents. Please help me resolve this issue as soon as possible. XXXX XXXX Account Number : 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 2023-10-31 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I claimed and declare that I had my XXXX XXXX since XX/XX/2019, but the 3 credit bureaus has never reported my mortgage on my credit report. See the attached copy of my credit report and other documents. Please help me resolve this issue as soon as possible. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: KS

Complaint narrative:
I received a {$1000.00} American Express Giftcard as a part of a XXXX XXXX XXXX through my work. I have been trying to use the card on multiple online vendors, and have not gotten any store so far to take the card. This is extremely frustrating as I have now read multiple reports of people having the exact same issues and have had no luck getting them resolved with the company. In fact, many have been told to " just use it other places until you find somewhere that works ''. In my opinion this is not an acceptable resolution for this issue. Please help me get the money from this card so that I am actually able to use it. Holding money in this matter with no way to spend it when it is supposed to be " accepted virtually anywhere American Express is accepted '' is false advertising and should be criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 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: FL

Complaint narrative:
I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning incorrect employers and unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information 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 explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to urgently dispute an error on my TD Bank credit account that incorrectly shows less than 100 % of payments made on time, thereby affecting my credit score. Despite TD Bank 's commitment to resolve this, the issue remains unaddressed. 

I opened my TD Bank credit account on XX/XX/XXXX, with a credit limit of {$500.00}. My most recent statement inaccurately reflects 96 % of payments made on time, when it should read 100 %. This discrepancy centers around the last recorded payment date of XX/XX/XXXX. My account statement confirms an amount past due of {$0.00} for that date, indicating that no payment was actually due and therefore none was missed. 

The origin of this issue was a miscommunication from a TD Bank representative, who incorrectly informed me of a payment issue on my account. Upon my immediate request for clarification, it was verified that no charges were pending and no balance was owed. I was assured that this error would be corrected, but my credit score continues to suffer. 

I respectfully request the CFPB to expedite an investigation to correct this error and restore my credit history to its accurate 100 % on-time payment status. I am willing to provide any additional documentation or information as needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning incorrect employers and unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I made a purchase for a new XXXX XXXX from a company called XXXX  The company did not deliver the product so I demanded a refund. The refund was not provided in a timely manner so I reached out to chase to report the issue. Chase bank refunded my money on XXXX behalf. XXXX refunded me my money and then immediately charged it again without my permission. The amount was XXXX charged on XX/XX/2023 then again on XX/XX/2023. Chase bank has now reversed the refund twice and now has my account in the negative. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I claimed and declare that I had my XXXX XXXX  since XX/XX/2019, but the XXXX credit bureaus has never reported my mortgage on my credit report. See the attached copy of my credit report and other documents. Please help me resolve this issue as soon as possible. XXXX XXXX Account 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 2023-10-31 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: PA

Complaint narrative:
I currently have a few fraudulent accounts appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX again disputing this amount XXXX. This was wrote off from Navy Federal then Conserve and now XXXX company brought the collection. It is the same dispute. I file a complaint and dispute XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. Im a victim of fraud and attach is the police report filed then against Navy Federal. I also filed online XX/XX/XXXX and adding the the copy of the police report again. This needs to be removed and stop being brought out by other company trying to money from me. 




Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I have been dealing with this issue in regard to extended car warranty fraud since XX/XX/XXXX. XXXX of XXXX I was supposed to be getting an extended car warranty through a company called XXXX XXXX. In the end my card was being used fraudulently and used to pay a scam company. After reaching out to the attorney general in South Dakota ( because that is the address they were using ), he let me know that there were over XXXX other people worldwide experiencing this same issue. He then transferred me to an investigator who had been handling the cases. The investigator was on a recorded phone call with a USAA representative named XXXX & I. She jotted down all of the information he told her in regards to the case and verified that this is indeed a scam and fraud case/company. The company has since reopened under a new name and address, only to do it all over again. The problem I am having is that the charge was made on a USAA credit card and it is now in a delinquent status after the dispute was closed due to it being past their 90 days. That credit card was not used once I paid it off PURPOSELY due to the 0 APR ending. I have called and spoke with almost ALL of the departments and am constantly left with unanswered questions, no solutions and promised callbacks that never happen. Now even after the numerous calls USAA had been on with the AG, investigators and proof of this company being a scam they have now sold this debt to collections which is impacting my credit tremendously. The last thing I was told is : AG has to contact USAA ( XXXX ). AG knows who to contact in USAA about specifics. The number given to me for the private investigator assigned to this case was : XXXX and it belongs to a gentleman named XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TapTap Send Inc.
State: FL

Complaint narrative:
Created taptapsend account on Fri XX/XX/XXXX to send my brother abroad some money. I entered all my personal data, including my debit card. I sent a small amount on Saturday ( less than {$200.00} ). Got a sucess sent screen for which i have a screenshot. They then never informed me but apparently suspended my account. multiple messages and calls, and no one coudl tell me why. finally today XX/XX/XXXX, they send em an email saying they confirm my account si suspended byut give no reason for it. I believe this company si a front for stealing American citizen 's financial data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: NJ

Complaint narrative:
I found some information that was incorrect on my credit report that was inaccurate, and I still haven't heard anything back. I have not been supplied proof under the doctrine of Estoppel by Silence, Engelhard v. Graven ( m281 SW 715, 719, I presume that no proof of the alleged debt, in fact therefore exists. Therefore, all items not proven to be mine needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: NJ

Complaint narrative:
I found some information that was incorrect on my credit report that was inaccurate, and I still haven't heard anything back. I have not been supplied proof under the doctrine of Estoppel by Silence, Engelhard v. Graven ( m281 SW 715, 719, I presume that no proof of the alleged debt, in fact therefore exists. Therefore, all items not proven to be mine needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
A charge for {$100.00} was made after much research of available attractions. The terms stated that all attractions were open and eligible. 
Due to the main attraction we wanted, we purchased the plan only to later find out that the attraction was closed for the season and advised this to the merchant selling the attraction pass. The merchant failed to update accordingly and fraudulently advertised an attraction that was unavailable. As a result they issued a 50 % refund. A dispute was filed for {$53.00} multiple times and GS agents continuously placed as the full amount including supervisors that said they understood and still put full amount. 

Countless times assured only {$53.00} dispute and each time notified by email that full amount was disputed. Each time being ignored to rectify. Then closed advising refund was already issued. The problem here is everything Ive said is ignored by GS and unreadable documents from merchant is the decision to deny the claim. 
This pass would never have been purchased if the merchant would have not been fraudulently deceptive. GS agents say they can only take my complaint and send to a department that refuses to communicate with me. 

Even after making a XXXX accommodation request, I continued to be ignored and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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:
I have federal student loans and the servicer is Mohela. On XX/XX/2023, I spoke to a customer service representative on the phone and they put in an application for the SAVE plan. On my application, I indicated I would be filing taxes as married filing separately. I was told my monthly payment would be $ XXXX once processed/approved. After a few weeks, the application was processed/approved, but for $ XXXX. When I called to ask what happened, the Mohela representative told me that everything on my application was correct, but that Mohela had processed it incorrectly- on their end, they processed it as married filing jointly, and that due to this, it considered my spouses income, which caused the payment to jump to $ XXXX. They confirmed that it was Mohela who made the error, and that $ XXXX should have been the correct payment. The representative submitted the application to be re-processed on XX/XX/2023 with a note on it about the error that was made on their end. However, my next payment is due XX/XX/2023. I check daily, but there have still not been any updates on the re-processing. I got a letter on my Mohela account on XX/XX/2023, stating that there was a processing delay and it could take up to 90 days. I feel that I should not have to pay this much, when the outrageous payment amount is incorrect and it is due to an error on their end! But it is going so slow, and I am worried it will not be processed and corrected by the time the payment is due. 
Unfortunately, since both my initial SAVE plan application and the second application for re-processing were submitted by Mohela customer service representatives, I dont even have access to a PDF copy of the submitted application. The only thing that shows on my Mohela account for documents received is the document title IDR, processing, submitted XX/XX/2023, and IDR, approved, submitted XX/XX/2023. The applications arent available to be downloaded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: IL

Complaint narrative:
Account to be removed from your credit report In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX, Account Auto Loan, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer

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