vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
In XXXX, 2023, I received XXXX credit card offers from Chase and XXXX XXXX. 
- I applied for both offers and subsequently received XXXX credit cards. I promptly purchased items to meet the required amount to receive my XXXX miles per offer/card. 
I received XXXX statements, XXXX for each credit card, which show that I was rewarded XXXX on each card for a total of XXXX miles from Chase. 

When I checked my XXXX XXXX XXXX account, I found that only XXXX miles. 

I called Chase and was informed that even though I meet the terms and conditions on each account that I was only able to receive XXXX miles for XXXX account. 

I am an older man with somewhat limited mental capacity. Chase business practices in this manner are predatory and discriminating. If this issue is not resolved, I will be filing complaints with the following agencies, XXXX, XXXX XXXX, Federal Reserve, State Attorney General 's office in Oregon and Federal Trade Commission. Additionally, I will file a small claims suit in Oregon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-20 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: Self Financial Inc.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act SELF FINANCIAL/LEAD BA Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: AZ

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
My attorney group XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX are holding me XXXX and wont release me from them so I can talk to Selene regarding the loan modification because its still shows up on Selene Finances records as active litigation. A dismissal form was sent to them via email a week ago from me.

Selene still states that I can not speak with them after my explaining to them that paperwork has been sent regarding ending of the litigation. Selene states it needs to be sent from attorney to attorney. And the attorney on my end is refusing to send them the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
AidVantage took over my Public Service Loan forgiveness account that had been fully discharged with an effective date of XXXX. My loans were forgiven because they met the criteria for the PSLF Waiver. My account was still awaiting a long-requested refund from the now defunct XXXX XXXX for a XX/XX/XXXX payment of {$280.00} due to the Covid-19 Suspension rules for PSLF. These rules state that PSLF accounts are allowed to be refunded payments made during suspension and that these months of non-payment during suspension will still qualify for forgiveness. AidVantage issued the refund of {$280.00} and then placed this amount into loan re-payment status where they are now wanting to collect the {$280.00} with added interest. 

I tried to discuss this issue with AidVantage and was told they do not handle PSLF, that it is up to XXXX. However, XXXX has no record because AidVantage took my account from XXXX after it had been discharged. AidVantage is not acting in good faith. They knowingly took a discharged PSLF account and issued an outstanding refund only to try and collect money. Since AidVantage took my account from XXXX I had requested that they provide all customer service correspondence from XXXX which would prove I asked XXXX multiple times to refund my XX/XX/XXXX payment before my loans were forgiven in XXXX. AidVantage only provide me with accounting spreadsheets showing payments and balances. I am not able to contact XXXX because they no longer exist. I have filed a complaint with Federal Student Aid as well. 

AidVantage is acting nefarious in pushing to collect this erroneous debt of {$280.00} from me. I do not owe this money and was rightfully refunded it. I followed the rules and requirements provided to me by the Department of Education and my student loan servicer. XXXX and XXXXidVantages inability to properly review, transfer, and process student loan accounts including discharges and refunds, is not the fault of this consumer. I request that the CFPB contact all involved companies so that they may remove this erroneously re-reinstated debt of {$280.00} and change my loans back to fully discharged due to the PSLF Waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023 I purchased an XXXX XXXX online for {$300.00}, The seller never shipped my item. 

I put in a dispute with XXXX  which was unresolved, On XX/XX/2023 I filed a dispute with my bank, Bank of America since I used my debit card to facilitate payment. 

I was told by the agent in the Fraud Department that Id have the temporary provisional credit for {$300.00} applied to my account within 48-72 hours, Today XX/XX/2023 I still havent received my credit, I called Bank of America who stated that this doesnt fall under some federal law so they arent giving me a credit. 

This is the first time in my XXXX  years with the bank that Ive not gotten a credit, My money was stolen and Bank of America seems to be helping the thief instead of their own customer. 

I want my money returned.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: LA

Complaint narrative:
I do not know the XXXX XXXX XXXX account showing on XXXX XXXX 
I have previously Disputed this unknown fraudulent account

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I'm a single mom working XXXX jobs. I can not repay this loan at this time. I have substitute taught in elementary schools in special XXXX for 10 years. I have got harassing calls from Navient they call XXXX times a day. They have called my relatives trying to get info about me. I have sent them bank stubs showing I can't pay. The late fees and interest keep going up I'll never be able to pay it. They call and when I try to answer they hang up on me. It's awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XX/XX/2023 XXXX CARD XX/XX/2023 XXXX CARD XX/XX/2023 ELAN FINANCI XX/XX/2023 XXXX BANK XX/XX/2023

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 2023-09-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # ( LISTED BELOW ), 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 a account without my written instructions. 
XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # ( LISTED BELOW ), 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 a account without my written instructions. 
XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXXXXXX 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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to law, 15 USC 1681i ( 5 ), inaccurate or incomplete information can not be provided on my credit report, and I have found the XXXX XXXX XXXX account ( account number ) : XXXX has incomplete and inaccurate information in all three bureaus. of credit,,,, According to law 15USC 1681e ( b ) there can not be inaccurate or incomplete information reported in the 3 credit bureaus

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 2023-09-20 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: LA

Complaint narrative:
I Disputed an unknown XXXX XXXX XXXX account on TRANSUNION months ago. I believed it had been removed, but XXXX XXXX still shows this fraudulent unknown account. I didn't receive any loan or credit from this company on the date this account was opened. And showed be past 7 years.

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 2023-09-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: LA

Complaint narrative:
My online credit reporting shows that EXPERIAN is illegally being furnished and reporting 3rd party non public information. Inquiries that I did not authorize. Please be advised that by law, NO Inquiries can be placed on any consumer report without written authorization. Please provide validation 1681b ( c ) Transactions not initiated by consumer and a serious breach of my privacy rights 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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/2022 RQUESTED CANCELLATION OF LOST AMERICAN EXPRESS CARD. HAVE BEEN IGNORED SINCE XX/XX/2022. - CARD HAD OVER {$20000.00} IN EXPENSE 'S

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: IL

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX  Please remove it from my credit report.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, LA, 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 2023-09-20 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: OH

Complaint narrative:
I submitted an identity theft report to these companies and they have refused to remove them. Someone has used my personal information multiple times to open telephone accounts and Incured medical debts in my name even credit cards. I am trying to clear any fraudulent activity so I can purchase a home and these are negatively affecting my consumer reports.I spoke to multiple people who all told me to file a FTC report which I have and submitted to them multiple times once in XXXX and another in XXXX they have refused to remove these items from my report. Experian, XXXX and XXXX are not being fair when it comes to people who really have experienced someone stealing their identity and I would like a response and for them to be removed asap. I am uploading my FTC to prove I am a victim and should not be treated like a criminal. They have opened {$530.00} at XXXX which I have never used XXXX in my life someone also attempted to get medical care worth {$1100.00} from XXXX XXXX XXXX which Ive never stepped foot inside all I have reported and nothing has been done and they are still on my consumer reports. I have proof they received my FTC report experian closed the XXXX account but this is not my debt this should be deleted completely from my credit report yet they have not removed this or XXXX  XXXX XXXX XXXX from my report. XXXX and XXXX have completely ignored both of these accounts as being fradulent and an inquiry they refuse to remove after I submitted this multiple times that this was not mine XXXX XXXX XXXX XXXX was not mine I have no idea who or what kind of inquiry that even is. I have froze my report with all three bureaus and XXXX and XXXX XXXX  to prevent this from happening. I would like all of this resolved so I can move on with my life.

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 2023-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: CO

Complaint narrative:
I needed some quick cash for groceries and gas. So I was applying for a payday loan and got contacted by Post Lake Lending. They said I was approved for {$700.00}, but when the APR was disclosed they were deceptive in how they disclosed it. They said something along the lines of " your interest is going to be XXXX XXXX XXXX XXXX '' with no decimal point added. I figured XXXX  % APR not XXXX % APR, which is what I'm paying. When I noticed this I started inquiring with lawyers, which was in the past week or XXXX. However, I received an email today saying they are going to garnish my wages if I didn't pay them within 10 days of receiving their email, which was today. It's not even about the ridiculous interest rate - It's about how it was disclosed and led me to believe I was paying XXXX % less in interest.

Company response to consumer: Closed with explanation