vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 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: TX

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada
State: NV

Complaint narrative:
In accordance with the Fair Reporting XXXX XXXX XXXX XXXX XXXX XXXX Acct : # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C..They have damaging my credibility and financial livelihood by furnishing false information to credit reporting agencies according to the FCRA they are required to furnish 100 % accurate information to credit reporting agencies concerning a consumer. 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions. Because of the false information furnisher provided to credit reporting agencies have damage my credibility and financial livelihood.

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Incomm Holdings Inc.
State: UT

Complaint narrative:
I am writing to file a formal complaint against XXXX, specifically concerning a Visa Gift Card issued by One Vanilla, backed by VISA, which I purchased at XXXX in XXXX on XX/XX/2023. 

Upon realizing that the card I purchased was fraudulent, I promptly reported the issue to the designated customer service contact. They assured me that a replacement card, loaded with the {$500.00} value, would be issued. However, despite their assurances, I have not received the replacement card. 

I have diligently followed up with XXXX through numerous phone calls, but regrettably, the promised replacement card has not been sent. This has been an ongoing issue, as I have contacted them approximately XXXX times since my initial report, and I am yet to receive any resolution. 

I am deeply dissatisfied with the level of service provided by XXXX, and this situation has caused significant inconvenience and financial strain. As a consumer, I expect prompt and efficient resolution of issues, especially when it involves fraudulent activity on a product associated with a reputable company like XXXX. 

I kindly request your intervention in this matter to ensure that XXXX addresses this issue promptly and fulfills its commitment to provide a replacement card with the promised value. 

I appreciate your attention to this matter and look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
This debt was sent to a debt collector Speedy Cash has deleted the debt and refunded my money XXXX out the debt But XXXX refuses to relinquish the debt XXXX is trying to collect a debt that has been canceled by the original debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Last month I needed a computer for work, so I purchased several parts on Amazon where my total cart was {$1600.00}. As it was a big amount I decided to use the equal pay plan that my amazon visa offers. The payment and plan went through flawlessly. I was prepared for the monthly payments that would amount to around {$130.00} a month, but to my surprise when I was checking my account to get ready for the payment the minimum payment was lower than expected. I looked into my statement and come to find out that two of the items equal to {$940.00} where not placed under the equal pay as they should have been. This I was not prepared for as I budget my money accordingly. I reached out to Amazon they told me that they should have been under equal pay as stated in my Amazon statement, so I should reach out to Chase to see why. I reach out to Chase they tell me that that's what Amazon sent them and they can't do anything about it unless I go under their own payment plan ( which makes me pay a fee ) or I need to contact Amazon. It went back and forth for a week of me trying to get to the bottom of why each company is not helping me. Finally on XX/XX/XXXX when I called Chase once again their representative tells me that he'll send a memo to Amazon to see what they can conclude on. I finally got a response yesterday where once again they tell me they can't do anything and it's Amazons fault. I decide to try Amazon again I finally reach a representative that tells me I'll get a refund for those items and should get a response in 3-5 days. This morning I got an email where they said they can't do anything and I need to contact Chase for help. I contact Amazon to ask why if they agreed to send me a refund they're now telling me to contact Chase. For the first time I get a representative that asks for screenshots of my bank statement. It clearly shows those two items are not in equal pay, but he ignores it and tells me it is. I decide to send him screenshots of the individual items where it says they're not in equal pay. He tells me to give him a moment and kid you not 2 minutes later he disconnects with me. Stunned by what just happened I connect with another agent that says she'll send an email to the same people that have not helped me. When i'm trying to tell her something she keeps copy pasting a response of " they'll reach out to you in 24 hours '' ( i've gotten this before they just direct me to Chase ) she spam pasted that 10 times and disconnected me. Now i'm here because I don't think what these two companies are doing is right. When they force me to pay 9 times what I was planning to not get any interest I was promised it makes my budget very tight as I need that money for food/gas/essentials/and other payments.

Sorry for the long message and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
YOUR COMPLAINT Since XXXX, I have been building back my life when Bank of America included many fees that ultimately affect my savings and checking and deleted my account before hand to hide the evidence I had over {$200000.00} put into Bank of America which I regret because of the decease of funds I lost my home, children and well-being. I opened an account with Bank of America in XXXX and in XXXX over the course of being with Bank of America my funds dropped due to fees. I tried to dispute the issue with Bank of America but they did nothing to find a resolution with the matter. XXXX years later, I tried again to talk to a represent and I was informed by Bank of America would handle it by getting this issue fixed with the CFPB which they did not do. I called CFPB on XX/XX/XXXX and was informed by the cfp. nothing was done by Bank of America. I even just found out I was supposed to have a gold XXXX XXXX card through legal zoom and a money card that I never received nor knew about because of this constant distraction that has ruined my life and sent me through a dark 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 2023-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I paid my balance in full using my debit card for XXXX on XX/XX/XXXX. When paying by debit card the funds come out of an account when the purchase is made. However Lowes XXXX refuses to process the payment until an undisclosed time in XXXX per the manager. When I asked why she stated because XXXX is a large amount. When I explained that by not processing the payment when made the debt would still show on my credit report for another month as owed, that the debt would impact my debt to income ratio, and that I believed this violates fair lending laws she responded this is how we do the payments. When I explained to her that by not processing the payment I would continue to be charged per diem interest she said this would not happen. I am complaining because I paid the amount owed in good faith and it should be processed when presented

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 2023-10-26 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: Universal Payment Corporation
State: TX

Complaint narrative:
To start off, Universal Payment Corporation, is the name XXXX or whatever name XXXX is using now, used to defraud me like they did many people in the United States. Yeas ago, all that XXXX got me to do was sign a contract for their services, that they never provided to me, they did nothing, that is why there was a class action law suite against XXXX, the court sent me a letter about the law suite , all credit bureaus were supposed to delete all the information that was in error, they defrauded me also, I never owed Universal Payment Corporation, anything ......

Company response to consumer: Untimely response
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has a Renters Credit Score of XXXX that I was never aware of I have been keeping up with the information on my scores and currently my TransUnion Score is XXXX on my current Transunion account / My credit karma account and my nerdwallet account all of them have accurate score. During a couple recent Tenant screening I was denied based of of credit Screening. Then I Did about my 5th Application ranging from XXXX Dollars per Application, I took a look at my Screening for XXXX, XXXX XXXX XXXX {$39.00} My Score was in fact XXXX with all the recent inquires looking for a rental. I reached out to TransUnion Who I had been calling every 3 moths regarding the inaccurate credit reporting/ old accounts being transfered to look new and not deleted. I first started my Rental search XX/XX/XXXX and was denied for several applications. I expressed to TransUnion that they were effecting my ability to have a better quality of life. I was told to put in Disputes and with every dispute, it was never resolved. TransUnion told me that my XXXX score is my Current score but that TransUnion created another score for Renters Credit that they provided to Landlords which decision making factor in A Landlord rejection and approval of my credit scoring application. I asked them why I could not see this new score they said that it was note a score that XXXX or XXXX use for all consumers, this was a score that ONLY TransUnion created that is not published thru TransUnion member services just for Landlords. TranUnion also stated that the information to come up with the renters credit was not reflected on Fico information i.e. in the Employment section the Renters Credit had employment for XXXX I have not worked there in 11 years but TransUnion.com Has my current Registered Business as my current Employment .TransUnion Has violated my Consumer credit rights with a secret score and inaccurate informations to get that score that ensures the denial of my ability to rent a unit.

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 2023-10-26 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: IN

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 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 2023-10-26 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: MO

Complaint narrative:
The credit reporting agencies XXXX and XXXX have some information/accounts on my credit report that I have no knowledge of and it has damaged me from by using my first home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
I purchased a Vanilla Visa Gift Card from a grocery store. Tried using it and it was declined. Called and was told the car was put on hold. I asked for a refund. I was told that I need to send an email including a copy of the card ( front and back ), proof of purchase and to include my name and mailing address which I sent on XX/XX/2023. 

On XX/XX/2023, I received an email saying that they received and reviewed the information provided but can't locate the account and asking me for an 8 digit case number. Called them and spoke with three different representatives who are based in XXXX and they can't fix anything after spending over two hours on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-26 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: IL

Complaint narrative:
EXPERIAN CONTINUES TO NOT BLOCK FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT AS A RESULT TO IDENTITY THEFT

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 2023-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
Under freedom of information request I would like to request any XXXX filed by rocket mortgage in regards to account XXXX and any XXXX the remic has on file in regards to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: CA

Complaint narrative:
Ive recently reviewed my credit reports and notice in accurate information and accurate name, variations as well as in accurate phone numbers and addresses which I believe led to an accurate credit reporting across-the-board XX/XX/2022. I was a victim of identity theft when someone removed money from my electronic benefit, transfer card From the ATM without even having my card, the car was in my possession the whole time and this was done proximately XXXX miles away from my location.

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 2023-10-26 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: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. 

I don't understand why you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: MO

Complaint narrative:
The credit reporting agencies Experian and XXXX have some information/accounts on my credit report that I have no knowledge of and it has damaged me from by using my first home

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 2023-10-26 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: OK

Complaint narrative:
On XX/XX/2023, I received an email from Mohela that my " request for forebearance '' was approved. I did not request a forebearance. I am working toward the PSLF and these months in this " administrative forebearance '' that I have been placed in from XX/XX/2023 - XX/XX/2023, is costing me TWO MONTHS toward my 120 eligible payments. This forebearance, that I did NOT request, was merely emailed to me. I do not even have the option to make a payment!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief