vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/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 2022-09-19 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: CA

Complaint narrative:
This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA!

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
My husband and I purchased a car in XXXX at XXXX on XXXX XXXX, XXXX XXXX financed through Bridgecrest XXXX XXXX XXXX, XXXX, AZ XXXX. The car title is just in his name. My husband died XX/XX/XXXX and I contacted Bridgecrest in XX/XX/XXXX to inform them that XXXX passed away and to make an additional car payment. We had auto pay so the account was and still is current paid up to the end of XX/XX/XXXX. Bridgecrest told me they needed a copy of his death certificate and POA that they couldn't discuss the account with me because I wasn't on the Title but they allowed me that day to make an additional payment ( XXXX 's pymt ). In XXXX I went to renew my tags at XXXX and my car was flagged to go to Register of Wills to get death cert./POA and I did. Long story short XXXX wouldn't renew my Tags because my name wasn't on the Title and told me to contact Bridgecrest for resolve. Per Bridgecrest to add my name to the Title they had to go thru this process that could take up to 90 days '. I said before we started let me give my financial info., Per Bridgecrest my income was ok, they ask me if XXXX had any children, I said yes, so they informed me that his children had to sign off thru a notary that they didn't want the car. Long story short, I told them XXXX separate times throughout our conversation to start the process, but I also told them I needed to research to see if that was legal for them to do because XXXX and I was married in XXXX, we purchased the car in XXXX, what does his kids have to do with it and if all children didn't want to sign why would I pay for a car that might not never be mine. Bottom line, I told them to start the process. Next thing I know my car was taken out of my driveway on XX/XX/XXXX and I called the police to report my car stolen because that's what I thought happened since my car was paid up to the end of XXXX. I did not know that they repo my car. XXXX Police responded and toke the report. Long story short, I later found out that Bridgecrest repo my car, that they said I told them to come get the car .... ( which they toke out of content ). They then started playing semantics with what I told them. I know I probably left out some pertinent info so if someone can contact me asap I will gladly give you more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: GA

Complaint narrative:
On XX/XX/XXXX, I requested Mohela refund for all my payments made after XX/XX/XXXX. I have also asked a reinstatement of all loan balances paid off after XX/XX/XXXX. At the time of my loan payments in XXXX, XXXX XXXX ( XXXX ) was my servicer. XXXX then acquired my loans in XXXX. 

In XX/XX/XXXX, my loans were transferred to Mohela, my current service provider. I have called Mohela more than five times since XX/XX/XXXX to ask for a refund of loan payments made after XX/XX/XXXX. Each conversation receives different information and responses regarding when I will receive the payments. Also, it's been almost a month and my loans have not been reinstated and still do not appear on my Mohela balance ( see attachment ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: MN

Complaint narrative:
I've been attempting to submit PSLF ( Public Student Loan Forgiveness ) applications but they keep being denied. Also, my payment number has not been updated and remains at XXXX even though I have over 10 years of full-time eligible employment. I've done everything that I've been told in order to get my loans forgiven before the XX/XX/XXXX deadline but nothing is happening. No one seems to be following through on my inquiries, my cases keep being closed and my applications denied for various reasons ( that make no sense to me ), and when I do happen to contact someone who does seems to try to look into my situation a little bit, all I'm told is my case is " unique '' BUT I should be getting my loans forgiven. However, then nothing happens later, other than receiving application denials and scripted form letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated me the consume and my ferderally protected nonpublic personal information and rights to privacy and confidentiality under 15 USC 1681. 
FXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights to privacy and confidentiality. 
15 USC 1681 section 602 A, states that I have a right to privacy and confidentiality.

15 USC 1681 section 604 A section 2, states that a consumer reporting agency shall not furnish information containing an account without my explicit written consent.

15 USC 1681c ( a ) ( 5 ) states that, No consumer reporting agency shall make any consumer report containing any information of the following : any adverse information of items, other than records of convictions of crimes which antedates the report by more than 7 years.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
Charged for rent after documented move out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-09-19 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-19 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I purchased a {$100.00} Vanilla gift card and was charged a {$5.00} activation fee. Later that day, I gave this gift card to my mother, and a short time after that, she tried to check the balance and got a message that the card had no balance. She contacted Vanilla who told her the someone in XXXX has used the card and there are pending transactions. The said there was nothing they could do, and wouldn't even cancel the pending items. I then called XXXX where I purchased the gift card, and they told me there was nothing they could do. I called my credit card company, who at first said there was nothing they could do, but after speaking to a supervisor, they said they would investigate and if XXXX agrees to reimburse us due to a fraudulent charge, we could get our {$100.00} back. I told them that unless XXXX did the scamming / stealing of our money, it isn't a fraudulent charge. I wrote three messages to vanillagiftcard.com via XXXX, and they have ignored me. As of right now, I am out of {$100.00}, and no one will help us. We have been scammed, and don't know who it was, or how it happened. In searching Vanilla gift cards, I see others have been scammed out of their money. Is there something you can do to help us get refunded?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
Convergent outsourcing ( XXXX ) XXXX $ Started on XXXX XXXX My family hindered me from the world keeping alot of information from me and using my identity without my knowledge. I didnt have any knowledge about my credit report until recently I am devastated. Im really hoping you can help you delete and help repair all my credit so I can have a fresh start at soemthing that was originally mine.

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 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I am currently homeless and do not have a phone plan any longer. I only have access to Wi-Fi occasionally. I have no additional income to cover an issue with chase where they charged me more than the payment plan I set up. I do not understand how it became two payments when the app is what set me up with the total but they repeatedly failed to help. To sort this issue out has been impossible. I am also waiting for documents requested about my credit card application. The customer service rep acknowledged that I am needing to file bankruptcy as I am homeless again but then told me they are sending my documents to the address on file. Very rude. Every avenue leads to a phone number. Worse still, Ive lost part of my hearing two days ago and phone calls are difficult for me. No option to assist people with disabilities ( temp or permanent ) on their website. They constantly ignore my secure messages when its out or scope and they give no alternative options for seeking help. They say to contact them on XXXX thats hardly a helpful support line, because XXXX says they cant help. I asked them repeatedly for help with my issue and they stopped replying to me. They even told me to try a VOIP to call which still requires money I dont have. None of the free ones connected to their numbers. Chase has created a system that negatively impacts the financially disadvantaged and the XXXX. A clever way to discriminate against minorities who are disproportionately impacted by poverty by a big bank, go figure. There needs to be proper support and timely for people who can not use phones. Telling me to wait XXXX days in the secure message center only to NEVER reply is not acceptable when they are ruining me in the meantime and taking more money than they should. I live on the streets with uncertainty about whether I need to starve more or can eat. They did nothing to help me during Covid. They placed the same barriers of call us on the phone or we wont help you and Im sick of it. Where is enforcement of the disability act? Where are options for customers without phones? There must be accommodations made and now that my hearing is an issue on top of not having a phone line how is this not discrimination? Im beyond sick of this bank and its treatment of me. Look at the attachments, I have screenshots that go back months from Chase saying the same we will contact you in 10 days or 2 days they NEVER reply!!! The issue sits and more time passes so they can charge more late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Today 's date is XX/XX/2022. I paid off my balance of {$9600.00} on my XXXX XXXX on XX/XX/2022. As of today ( more than 3 months later ) XXXX has still not reported to the credit bureaus that I paid that amount and now have a XXXX balance on my account and this is affecting my credit score. I attempted to call XXXX to discuss this matter and was told that XXXX was not reporting to the credit bureaus at this time. I explained this was affecting my XXXX XXXX. I was then told I would be transferred to a billing specialist to discuss this matter further. After holding for 5 minutes for the billing specialist my call was then disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My wallet was stolen while I was at work with my ID, social security card, Bank of America ( BOA ) debit card and BOA credit card on XX/XX/XXXX. The thieves were able to walk into a XXXX XXXX branch with our Bank of America Credit Card and withdraw {$5000.00} cash and charge an additional {$1200.00} at XXXX 's club. BOA has now denied our claim three times with the credit card charges. 

The charges were credited to our account on XX/XX/XXXX while they investigated. 

XX/XX/XXXX they denied our claim due to " the chip was read, PIN was entered and a signatures was obtained ''. First of all there is no PIN, it is a credit card. The people who stole my wallet had my ID and social security card so yes they could verify because it was a credit card and they knew my zip code which is what is required with transactions, not a PIN! We have never taken out a XXXX XXXX and never taken any cash out at a different bank! 
I spoke with them on XX/XX/XXXX and again reported my wallet was stolen with my ID and social security card and they reopened the claim. I was informed I could submit the police report. 

XX/XX/XXXX the claim was denied again! Stating the same reasons as above. When I spoke with the representative I again explained my identity was stolen. I also informed them I had submitted the police report on XX/XX/XXXX ( i was delayed due to being out out town for a work trip ). They informed me it could take up to two weeks to receive any fax or mailed documents ... .but they denied the claim within 10 days? Not even giving time for them to receive the report. 

Today XX/XX/XXXX the claim has been denied again. After submitting the police report via certified mail and fax! I do not have that letter yet but will be happy to provide it once we receive it in the mail. 

There is no way to talk to anyone in the " investigation '' department. The only person we can speak to is in the claims department and they just keep reopening the case. They said based on our spending habits and that the card was verified that we authorized someone we knew to make these charges. 
XXXX XXXX  refuses to provide the footage to the detective working on my case because the XXXX XXXX was done under a different bank. 

Also the detective on the case has a picture of the suspect at XXXX 's club. Unfortunately XXXX will not release the footage.

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 2022-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
I took out this loan while i was in XXXX  for a year and have had nothing but issues with these people at XXXX XXXX  calling me 2 to 3 times a day after leaving messages and also calling my work and leaving messages. This has been going on since i moved back to XXXX  in XX/XX/2022. I have asked them not to call my work more than once and they refuse to stop. I also sent 2 letters asking them to stop calling completely and only correspond by letter and all i get was a call telling me that we don't have to honor my request. I have tried to refinance the loan to lower the payment in XXXX  but was denied and no other help with the loan no hardship options or nothing. I have tried every avenue and called many debt help companies and Attorneys and am about to have a XXXX with all the calls and issues with Tower loan and do not want to file Bankruptcy.

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