vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-01 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: Experian Information Solutions Inc.

Complaint narrative:
n 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

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 2022-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going i am not sure if this is some type of mistake as i assume it has to be i have not been able to get help from them from emailing, calling their support. I remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE BURDEN OF PROOF HAS NOT BEEN ESTABLISHED YET TRANSUNION CRASHED MY SCORE FROM XXXX To XXXX ...... 
Fraudulent Account From " RISE Credit '' And It's Deragotory Reporting Has Not Been Accurately Investigated. 
I Am Already Under A " Fraud Alert. '' Precautionary Measure To Prove The Validity Of This RISE Account Has Not Been Established. 
" RISE '' CAN NOT Provide Proof Of The PREVIOUS PAYMENTS Made Starting In XXXX, XXXX, Nor Can It Provide WHICH ACCOUNT WAS USED TO MAKE THE PAYMENTS, ALONG WITH THE GIVEN DATES. 
MORE IMPORTANTLY, TRANSUNION CAN NOT PRESENT DOCUMENTATION. 
The Account Was Allegedly Opened In XXXX, XXXX. In XXXX, XXXX, This Same Account Was Reported " 30 Days '' LATE, And Even More Damaging IS NOW Being REPORTED AS A, " CHARGE OFF!!! 
A Thorough Investigation By TransUnion Would Have PREVENTED This Harmful Information From My Credit File. 
TransUnion Has A RESPONSIBILITY TO ENSURE ACCURACY, AND ABIDE BY DUE PROCESS. 
Meanwhile, I AM BEING DAMAGED BY RISE 'S FALSE REPORTING, AND TransUnion 's ACTION TO CONVEY IT.

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 2022-05-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, specifically XXXX XXXX, did an unauthorized hard inquiry on my credit. I have cut ties to the lender because they did the exact same thing about a year ago. This seems to be their standard practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Vericred Solutions LLC

Complaint narrative:
n 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

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: AES/PHEAA
State: ME

Complaint narrative:
While waiting for a final review of my Temporary Extended Public Service Loan Forgiveness Application, my student loans were forgiven under the temporary waiver. Given the added FFEL payments that were now counted, my forgiveness date should have been in XXXX. For this reason, I should have received a refund for all payments made from XXXX to the start of the Covid forbearance. However, I was one of many accounts whose NSLDS loan history data showed an extended and erroneous " In Grace '' status when my loans were still with XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX, I received bills and paid monthly, but those months appear on my loan history as " in grace ''. Everyone with student loans knows that is impossible. Grace periods never last more than 6 months and I was already paying, was not in school, and would not have been eligible for a grace period at that time, let alone one that lasted 34 months. Because of this error, those months were not counted, and my forgiveness date shows as XXXX XXXX and therefore, I did not receive a refund for any of those months I paid beyond when I would have hit 120 payments for PSLF. This problem became known by the Department of Education and the errors have been fixed for those affected who had not yet received forgiveness. Unfortunately, my loan history has not been corrected and to date, I have not received the refund I am due because as long as that error remains, my forgiveness date remains incorrect as well. I need this fixed! 

I understand that I am fortunate to have received forgiveness and I am grateful. However, this administrative error has robbed me of a significant refund of over {$8000.00} by my calculations- a refund others received only because they were not a victim of this system error. I am filing this complaint because the ombudsman/complaint process at the Department of Education is broken and the 3 complaints I have filed have been dismissed without any research or even attempt at trying to understand the nature or merits of my complaint, despite them knowing this was a system issue and my submitting proof of payments for those months. I would like someone to actually address this- correct the NSLDS errors, adjust my forgiveness date, and credit me the payments made between the adjusted forgiveness date and the start of the covid forbearance. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
I placed an order ( ORDER # XXXX ) on XXXX using my Discover Credit card. Order was delivered completely damage due to Rain. I informed XXXX that order was delivered and left outdoor in the rain which damaged the item and requested returned. 
XXXX fully agreed to return item, however XXXX never scheduled a picked up as agreed. I attempted numerous time to reach out to XXXX to get that matter sorted still no luck. 
I contacted My Discover Credit Card company to dispute that order of {$500.00}. Discover refused to dispute the amount. Discover Never attempted to properly address my request to dispute the charge. I was instead questioned numerous question and profiled as a liar. 
I stated having documentation from XXXX with statement that they will refund my money within 3-5 business days. Still Discover is not willing to reserve the charge. 

XXXX approved refund however Discover Credit Card is not willing to process that refund. 

Discover is discriminating based on phone voice and accent. As soon they notice you don't have their ( that weird American accent ) they automatically service you the way they want. I was service by 2 white female with rude and savage attitude. Very rude and not even pleasant to talk to other than fight. they make up their own policy and change them at any time. all those TV ads and commercial are fake and wrongly done. 

I am sure cancelling all my discover services with this XXXX company. By the way this is not the first time I am dealing with this company. this time I believe they too far and I am reporting them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: VW Credit
State: KY

Complaint narrative:
I XXXX XXXX, Consumer, experienced a depressing moment in my life when On XX/XX/2022, Volkswagen Credit XXXXnc, Repossessed my vehicle unlawfully the night before a workday. Volkswagen Credit Inc. allowed a third party to retrieve my vehicle without my permission for them to disclose my personal information to a third party without a contract in place between myself and the third party. On XX/XX/2022, Volkswagen Credit Inc. received a request for information letter from myself sent certified mail return receipt for the following information ( proof that Volkswagen Credit Inc. repossessed my vehicle in accordance with the law : " I demand proof that the repossession of the subject vehicle was legal in accordance with the following U.C.C : 9-506. Effect of errors or omissions XXXX XXXX XXXX. Notification before disposition of collateral- KRS XXXX XXXX. Timeliness of notification before disposition of collateral- KRS XXXX XXXX. Contents and forms of notification before disposition of collateral- KRS XXXX XXXX. Explanation of Calculation of Surplus or Deficiency- KRS XXXX I am also requesting a statement of accounting pursuant to U.C.C 9-210. '' I am patiently waiting for Volkswagen Credit Inc. to respond to my request. The 14 day window that they had to provide me with the information was up today XX/XX/2022. I have yet to receive the requested information from Volkswagen Credit. They also furnished to my consumer credit report our transaction history which is a violation of 15 U.S. Code 1681a. This was an Unlawful repossession has caused me mental anguish, XXXX, character, and mode of living. Volkswagen Credit Inc, has violated my rights as a consumer. 

amount reported on consumer report : {$18000.00} amount financed on " installment contract '' ( consumer credit transaction ) : XXXX finance charge on " installment contract '' ( consumer credit transaction ) : {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Since the fiscal year 2022 started on XX/XX/2022. Capital One Bank has taken in NSF {$1700.00} and Overdraft fees {$2700.00}. 

It's over {$4000.00} dollars in fees Capital One has taken in just fees in a matter of 4 full months. 
I had shared my disagreements with the bank in the past but they just fix one day of fees and Saud they coudnt help much over the phone. 
As a small business owner with no support from absolutely no banking or any other entity support I've been trying to. Survive and make ends meet for about 3 years now, when I had asked for Capital One for a small business loan, or PPP or any type or grant I was denied and their response was that as a business I was not impacted by the Covid19 pandemic. 
Instead of helping a small business as mine, they're sinking me to failure, they did not even offered me a way to stop those indiscriminate fees that are making me fail instead of helping my small business. 

Gracias

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: MO

Complaint narrative:
Experian allowed XXXX XXXX to add an address to my account XXXX XXXX XXXX XXXX XXXX, MO., and a phone number XXXX without my knowledge or consent. I can not remove the address from my account or file a dispute XXXX has the address locked. 

I could not find this correct information because Experian does not allow me access to complete credit report. 

Delinquent account are open and pass due, not allowing me a home loan.

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 2022-05-01 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : 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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Convergent Resources, Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : 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 and 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 2022-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2021 I order an airline ticket thru XXXX of the amount of {$1200.00} I attempted to open a disrupt thru my credit card company to get refund, but I wasn't properly serviced by Chase. 
Chase refused to fully investigate the incident and issue refund as it should. 
I attempted to dispute the charge with XXXX which agreed to refund my money according to their policy and federal regulation rules during COVID. 
I was approved by the US DOT to order justly to refund my money still merchant is not willing to refund my money. 
Chase is also neglecting my request to get refund as I am entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Affirm Holdings, Inc
State: MO

Complaint narrative:
XXXX allowed Affirm Inc to add an address to my account XXXX XXXX XXXX XXXX XXXX, MO., and a phone number XXXX without my knowledge or consent. I can not remove the address from my account or file a dispute Affirm has the address locked. 

I could not find this correct information because XXXX does not allow me access to complete credit report. 

Delinquent account are open and pass due, not allowing me a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/21 this year I check my Equifax and there was XXXX XXXX  debt from the same company and also the same balance. I have requested them to take it off my credit report because it's open. I have not done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I purchased a gaming PC from a company that builds them on XXXX  XXXX, with all of the latest stuff, back in XXXX of 2022. I financed my purchase through Affirm, and paid off about {$1800.00} of the {$3500.00} balance almost immediately, to be finished with the loan in about 7 months. The company I was purchasing the computer from, XXXX Builds, went out of business for a myriad of reasons, and I asked them for a refund. I had no response from XXXX until XXXX saying that the company was frozen and all employees were laid off on XX/XX/XXXX, and to get a refund through my bank, or if financed through Affirm, to get a refund from them. I provided all legal documents and communications to show that the company is no longer in business and that I would like a refund. I have not received any communication back about getting my refund or any info when I call since XXXX from Affirm, or anyone else. It is a lot of money to withhold, and I would like it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
Exeter Finance received a copy of my credit report on XX/XX/2022 and I do not recognize who that is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. 
15 USC section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2.8 It also States a consumer reporting agency can not Furnish a account without my Is written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account Under open in consumer Plan as late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
One year ago, I took a fall in a parking lot and caused significant damage to my face and left hand. I was taken to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NC. The XXXX XXXX company was responsible for the bill and they negotiated a price with the hospital, the bill was paid, however not before it was turned over to collections. The collection process is being handled by the XXXX XXXX XXXX in XXXX, Ohio. 
I have provided clear documentation to both Experian and the XXXX XXXX XXXX and have disputed this report on my record several times to no avail. They appear to be ignoring the evidence and continue to have fraudulent information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
15 U.S. Code 1681- Congressional findings and statement of purpose 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. 

Wrong accounts : 1. US DEPT OF EDU XXXX XXXX.US DEPT OF EDU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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 2022-05-01 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit Please delete the items as soon as possible. 

Fraudulent accounts Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$140.00} Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX  XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$93.00} Fraudulent Experian Inquires Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/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