vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 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:
I purchased a necklace : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Macys for {$160.00} plus taxes using my Macys store credit card on XX/XX/XXXX as a XXXX present for my son. In the following four weeks, the necklace turned brown. The website description states that the necklace is 14k gold over sterling silver. Gold and silver do not turn brown. When the necklace turned brown, it also turned my sons neck green where it sat on his skin. I contacted Macys and explained the situation and they approved the return for a full refund and issued me a prepaid return shipping label. The item was shipped back to Macys on XX/XX/XXXX and on XX/XX/XXXX, Macys shipped the necklace back to me. I called the store back and they apologized and reissued me a new prepaid return shipping label and said they made notes on my account to accept the returned necklace and issue me a full refund back to my Macys credit card. However, on XX/XX/XXXX, Macys shipped the necklace back to me again but under a different customers name. I do not recognize the name in which the package was under. I called Macys again and spoke with one representative and two different managers who stated that Macys should have never accepted the return because it was returned after XX/XX/XXXX. Even though two other customer service representatives approved the return, that it did not matter because they updated their return policies and were no longer accepting these returns and the other representatives would be educated to the new policies to avoid further misinformation. I explained that the website has the item listed as 14k gold and sterling silver, but the item is not either of these metals. They denied the return. After this, I reviewed the description again on the Macys website and learned that this has been an ongoing problem for many other customers purchasing the same product and Macys denied them as well.

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 2024-03-10 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2024-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am unaware of this debt, I did not have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification please provide receipt please provide certified mail with the receipt stating that I received it with my signature. Look on my credit report for the last day of activity and date reported, they are violating my rights they are reporting only to XXXX XXXX XXXX and the last activity date is reporting to transition as updated recently but last time it was reported on XXXX XXXX XXXX XXXX have attached a copy of how it is reporting to bureaus and it is not accurate across all 3 bureaus and the statute of limitations in 3 years in my state, they don't have rights to collect any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I called the company to talk about that debt collection was appearing on my credit report because I was an employ for the company and my membership was free so i didnt have any amount to pay monthly. Ive been trying to dispute the collection but I dont have any response. And its affecting my credit. Ive been calling filling out report and stuff and no body said or do nothing about. I dont owe any money to them and I really want some help to get that thing out of my credit report. 

XXXX XXXX Collection  open XX/XX/2021 Now owned by the ALDOUS AND ASSOCIATED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: EdFinancial Services
State: AR

Complaint narrative:
For several months now, EdFinancial has been rejecting my payments on my student loans, even after their website saying I was overdue for a payment. I submitted a payment for the overdue and current due amount, they rejected the payment ( though my bank account had the money in it ) and when I called customer service, they insisted that it was because the banking information I had saved in my account was invalid, when the information hadn't changed and had been used to pay off a previous student loan with them. Now, their website won't even let me log in to view my loan details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am unaware of this alleged debt. I did not have the opportunity to dispute this alleged debt. I did not receive proper notification. If in fact you believe I received proper notification, please provide the certified mail receipt with my signature stating that I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates
State: MD

Complaint narrative:
I am unaware of this debt, I did not have have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification please provide receipt please provide certified mail with the receipt stating that I received it. 
look my credit report I attached, they are only reporting to 1 bureau ( XXXX ) and they are updating and violating federal law .they also don't have rights to collect debt in my state Maryland XXXX the statute of limitations in 3 years for collecting debt.they do not have rights to collect any debt, I never signed a contract with this company

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 2024-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am unaware of this debt, I didnt have an opportunity to dispute this information. If in fact you believe you gave me proper notification then please send me the certified mail receipt with my name and my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: CA

Complaint narrative:
I found numerous account on my credit report that were not open by me, please remove the fraudulent account from my credit report as soon as posssible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: CA

Complaint narrative:
I found numerous account on my credit report that were not open by me, please remove the fraudulent account from my credit report as soon as posssible

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 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
This account was opened and created fraudulently by my XXXX  whom was staying with me at the time, she suffers from XXXX addiction and was using my XXXX and I as a way to fund her habits, she opened a fraudulent credit account, lied about getting a settlement XXXX and buying gifts with it, and then sold the account. This collection does not belong to me and the company is constantly calling me.

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 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
This account was opened and created fraudulently by my XXXX whom was staying with me at the time, she suffers from XXXXXXXX XXXX and was using my XXXX and I as a way to fund her habits, she opened a fraudulent XXXX  account, XXXX about getting a settlement check and buying gifts with it, and then sold the account. This collection does not belong to me and the company is constantly calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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:
15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, XXXX, and Transunion have willfully allowed " XXXX XXXX XXXX XXXX '' the furnisher to furnish evidence of transactions in the 'Payment History ' section that are simply not allowed under the law above. XXXX, XXXX, and Transunion have violated 15 USC 1681a 2 ( A ) ( i ). If you feel you have not violated this law please provide the law that clearly and concisely states a Consumer Reporting Agency has the right to report Transaction History Between a creditor and a consumer.

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 2024-03-10 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: AZ

Complaint narrative:
15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, Equifax, and XXXX have willfully allowed " XXXX XXXX XXXX XXXX '' the furnisher to furnish evidence of transactions in the 'Payment History ' section that are simply not allowed under the law above. XXXX, Equifax, and XXXX have violated 15 USC 1681a 2 ( A ) ( i ). If you feel you have not violated this law please provide the law that clearly and concisely states a Consumer Reporting Agency has the right to report Transaction History Between a creditor and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: AZ

Complaint narrative:
15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian, XXXX, and XXXX have willfully allowed " XXXX XXXX XXXX XXXX '' the furnisher to furnish evidence of transactions in the 'Payment History ' section that are simply not allowed under the law above. Experian, XXXX, and XXXX have violated 15 USC 1681a 2 ( A ) ( i ). If you feel you have not violated this law please provide the law that clearly and concisely states a Consumer Reporting Agency has the right to report Transaction History Between a creditor and a consumer.

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 2024-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
XXXX sent multiple correspondences insinuating they were part of the XXXX XXXX XXXXXXXX XXXX or that the documents were part of the courts. If this is an attempt to collect an alleged debt, there has been no proper notification or debt validation notice. These deceptive practices have caused XXXX distress and undue XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am unaware of this debt. I did not have the opportunity to dispute this debt before appearing on my consumer report. I did not receive proper notification. If in fact, you believe I received proper notification please provide the certified mail with a receipt with my signature on there stating that I received it at least XXXX days before it appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Upon reviewing my consumer credit report, I discovered that I am a victim of identity theft. My identity has been fraudulently used to try to gain credit. I have attached a list of these accounts and the inquiry dates for your reference. These unauthorized inquiries are negatively impacting my credit score and hindering my ability to purchase a home for my family. I request that these inquiries be deleted from my credit report as they do not belong to me and are the result of identity theft. Your prompt attention to this matter is greatly appreciated as I am in the process of buying a home for my family. Thank you for your assistance. 

XXXX XXXX inquiry date XXXX XXXX XXXX which shows on my credit report multiple times on the same date Inquiry date XXXX XXXX XXXX XXXX Inquiry date 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 2024-03-10 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:
On XX/XX/2023, I received a letter from Mohela stating that my student loan had been forgiven because I had satisfied the requirements of the PSLF program. Payments were no longer required and I actually was issued a refund of {$460.00}, which was equal to two months worth of payments. I called Mohela to confirm I was receiving a refund and was told I would receive it shortly. It was deposited into my checking account within a couple of weeks. My online account reflected a XXXX balance as did my Federal Student Aid account on both websites. 
In XXXX, I started receiving billing statements from Mohela, which was confusing to me. The balance showed as back to the amount that I had been told was forgiven. I had a new payment due in XXXX. The account had also accrued interest, which was also unfair as the interest was more than my actual payment, which means that interest started being calculated even before I was notified. The interest should not be more than the payment or else the loan will never be paid off as nothing will ever go to principal. 
On the XXXX of XXXX, I received a letter that the forgiveness of my loans was an " error '' and that they now determined that I did not meet the forgiveness requirements. Everything was reinstated on both the Mohela website and the FSA website. This error is completely unacceptable. To send a notice that a loan is forgiven and that payments are no longer required to then change course a few months later is an awful business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Nelnet, Inc.
State: MT

Complaint narrative:
XXXX % XXXX XXXXXXXX XXXX XXXX XXXX not being applied correctly to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XX/XX/2024 Most recent issue. The banks website does not allow password reset, and a call has to be made every time the login password has been used. There is then harassment and abuse when the call connects. There is illegal collection during this interaction, and the amount of payments for this account exceed the original line of credit/account balance on every statement and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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:
Ive spoken with XXXX XXXX XXXX XXXX throughout the year XXXX  recently about a charge off they were reporting on my credit. A vehicle was taken from me from a dealership that I entered contract with to purchase. XXXX requested the dealership to buyback this loan. They did not. Thats why this is on my XXXX XXXX XXXX told me. However, through all of my digging its been verified through XXXX XXXX that they never acquired the title from the dealership, therefore shouldve never been placed as XXXX holder on this contract, per XXXX  law. This agreement was never fulfilled at the start. Therefore the contract is null and void. Nothing about this account is right. The car was repossessed and never sold even after I asked for the car to be sold. The dealership is no longer in business. They basically stole the car and now theyre making me responsible for a shady business practice.

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 2024-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Due to the XXXX versus XXXX court case all records of my student loans were to be taken off my credit reports by XX/XX/2024. TransUnion has refused to remove these from the report. Attached you will find the letters confirming I am part of the court case and that these accounts were to be removed from all my credit reports.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Ive spoken with XXXX XXXX XXXX XXXX throughout the year XXXX recently about a charge off they were reporting on my credit. A vehicle was taken from me from a dealership that I entered contract with to purchase. XXXX requested the dealership to buyback this loan. They did not. Thats why this is on my XXXX XXXX XXXX told me. However, through all of my digging its been verified through XXXX XXXX that they never acquired the title from the dealership, therefore shouldve never been placed as XXXX holder on this contract, per XXXX law. This agreement was never fulfilled at the start. Therefore the contract is null and void. Nothing about this account is right. The car was repossessed and never sold even after I asked for the car to be sold. The dealership is no longer in business. They basically stole the car and now theyre making me responsible for a shady business practice.

Company response to consumer: Closed with non-monetary relief