vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Credit 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: MA

Complaint narrative:
I ordered a XXXX XXXX XXXX XXXX XXXX from XXXX. On XXXX XXXX it arrived. It comes boxed up and wrapped. Upon unboxing and unwrapping, I found the bike to be damaged and beat up. I brought this up to the vendor and they had nothing to say. I then assembled the item and it did not work or turn on anything. The bike was certainly pre-owned or used as a parts bike as I had multiple professionals take a look. It cost me over {$1000.00} in parts and labor to even make it close to working correctly. 

XXXX claimed I was buying a brand new bike with a XXXX warranty. I GOT NONE OF THAT. They also have stopped responding to all emails since I left bad feedback on their google page. 

I opened up a dispute with DISCOVER in hopes of rectifying this issue. I provided Discover with every single email, along with them responding to others saying they " Have a 3 month warranty no questions asked '' I provided Discover with 20+ documents. 

Then XXXX responded to Discover with what appeared to be an illegible written note. Discover ruled in my favor. Then about 3 weeks later I checked the dispute and Discover ruled in the merchant 's favor and they refused to talk to me or provide any evidence. 

I tried explaining to discover that yes I received AN ITEM but not what I purchased. I received something very different that cost me A LOT of money. 

XXXX actually emailed me saying that since i left bad feedback on XXXX, they were no longer going to help me or provide any credit. 

Their warranty states i should be credits for PARTS AND LABOR. 

Discover now will not respond to me or provide me with any additional information. They also will not let me appeal the decision I was defrauded by XXXX and now the same with Discover. They will not listen to me, help me, or hear my side of the story. XXXX was allowed to submit handwritten evidence that could not be read, and then was given another 30 days to respond, but discover ends online chats early with me and ignores me on everything. 

This should seriously be investigated. 

I would challenge XXXX  with a 93A violation in the commonwealth of Massachusetts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: GA

Complaint narrative:
I received my credit report on XX/XX/XXXX and noticed there were hard inquiries that didnt have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureau about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that dont have any purpose to be on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XX/XX/2023, I fell victim to a multi-layered scam operation run by orchestrated by XXXX XXXX XXXX XXXX XXXX using the aliases XXXX XXXX and XXXX XXXX XXXX, President of the XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my American Express account to fraudulent firm ( s ). 

XXXX XXXX reported to me that the scammers had access to my computer. They said that the only way to get rid of it was to buy gift cards. I purchased gift cards from XXXX worth XXXX USD, charged to my American Express credit card. 
XXXX said charges would be refunded, but so far have been unable to do so. 
Please take notice that my funds were transferred through means of coercion and under false pretenses all along! 
Attached, please find supportive statements, screenshots, and further evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: IN

Complaint narrative:
I have been working at a qualifying employer from XX/XX/XXXXXXXX  continuously, last certified in XX/XX/XXXX. My loans were in repayment the entire time. I should have credit for all months between XX/XX/XXXXXXXX  and XX/XX/XXXX. Mohela has deemed the following payments as ineligible : XXXX XXXX XXXX. With the one time adjustment, these payments should count towards PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have called XXXX XXXX and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX automobile. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXX to XX/XX/XXXX were reported to the 3 credit bureaus. Both XXXX XXXX and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that XXXX XXXX was willing to settle and close the lease agreement after the XX/XX/XXXXXXXX  payment was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have called XXXX XXXX and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX automobile. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  were reported to the 3 credit bureaus. Both XXXX XXXX and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that XXXX XXXX was willing to settle and close the lease agreement after the XX/XX/XXXXXXXX  payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have called XXXX XXXX and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX automobile. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  were reported to the 3 credit bureaus. Both XXXX XXXX and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that XXXX XXXX was willing to settle and close the lease agreement after the XX/XX/XXXX payment was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX. 
PayPal , Inc . 
{$950.00} reference # : XXXX I do not use PayPal for anything, ever. 
I have XXXX idea what this debt is in reference to. 
Their mailing has no validation for the debt. 

XXXX XXXX XXXX XXXX is collector that sent the attached letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: GA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Midland Credit Management is calling every day. I have notified the collector to " cease and desist '' repeatedly. I have not had a bad debt since XXXX. I have worked hard to rebuild my credit rating. This is in violation of federal fair debt collection practices act. And this is well beyond the State of Oregon 7-year collection period. 
The collector will not let me speak and talks loud over my voice. I have tried to communicate. But this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance : {$2100.00} These above accounts were opened fraudulently I submitted a complaint with the FTC I'm attaching any documents to support my claim, and I'm asking these above items be DELETED from my credit file, Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
I been with Lexington law for 2 years they charge me {$250.00} a month for alone period of time and they never removed or repaired my credit I lost my money out of my pocket They never fix my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Did not get credit for XX/XX/2023 mortgage payment from our old mortgage provider. Would like a refund for XXXX payment. So, we can pay the past due mortgage payment to the new mortgage provider. Called old mortgage provider but was told our loan was longer showing up on their computers. We are getting past due notices weekly from new mortgage provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX We purchased 2 separate upgrades to international flights on XXXX XXXX. Issue at the airline and documentation provided showed the flight was no actually upgraded as the issues with the services at the time prevent the seats from working and not being upgraded. 

We attempted to resolve with XXXX while in XXXX and then again upon our return. The only thing we received was a {$25.00} voucher as an apology. We spent {$1900.00} times 2 for these upgrades and that is not acceptable. 

We disputed the 2 charges and provided numerous amounts of documents and signatures within he 60 days of the initial charge. They closed out the dispute because CItiBank is too big to research and resolve anything. 

Break up Citibank!!!! 

I want my dispute resolved ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I bought a XXXX XXXX XXXX from XXXX XXXX XXXX through credit acceptance who I recently found was sued for the same type of actions. 
I have only had the truck a few months. 
Whole driving it the frame broke in XXXX pieces they refuse to move the loan to another truck. My down payment was added to the cost instead of subtracted. They have me down as XXXX XXXX XXXX man born in XXXX on the paper work. The cost of the truck is double what I was told it would be.they are calling me about XXXX  times a day and even call on Sundays.

The amount of issues with this company is truly a lot. I can't run my business because I have no truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I have a JCPenny XXXXcard, and I had a payment due on XX/XX/2023. 
I went to the store on XX/XX/XXXX, to make a payment as I always did. I had XXXX checks XXXX for {$600.00} and another for {$900.00} adding up to {$1500.00}. The amount on the statement that was owed was {$1300.00}. She did not give me a receipt for the second check, so I asked the manager for one. He was able to print one up, so I put everything in my purse. I did have my granddaughter with me for school shopping. 
I receive text messages from my bank about my account. I received one on XX/XX/2023, that I had {$1300.00} in my checking account. Then XXXX hour and XXXX minutes later, I received another text for a withdrawal of {$1500.00}. Then checks started bouncing. I looked at my JCPenny statement and the receipts and saw she charged my checking account {$1500.00}, not the {$900.00} It was made out for!! So, I called the bank and to them what they did. They called the credit card company and they put the money back into my account.

Now the statement says they put it back on XX/XX/XXXX and on the same day charged me {$50.00} late as they never received the money!! 
So I called the credit card company to dispute the charges, that it was their fault, not mine, They keep saying I got the money back and according to my bank did not get the money back till the XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WESTERN ALLIANCE BANCORPORATION
State: FL

Complaint narrative:
I am XXXX of the XXXX XXXX XXXX XXXX. We placed $ XXXX CD with this bank years ago when they had a branch here in the Florida area. They closed the branch and now have offices only in XXXX AZ area. So we have sent letters. We've made calls. We signed up for online banking but can't close the account and request a wire via the online banking. We did receive one email response from XXXX XXXX ( XXXX ) XXXX but that was XX/XX/XXXX  ( nearly 3 months ago ) and that one email response took us 3 months ( since our initial XXXX contact request to close account and send back the money ). 

We have sent a certified return receipt letter ( which we have the receipt for ) 6 weeks ago and still nothing. We must now ask our attorney to send a letter. I've never experienced anything like this - - being unable to get a CD closed and money returned. Any help you and provide would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I have called Credit Acceptance and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX XXXX. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  were reported to the 3 credit bureaus. Both Credit Acceptance and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that Credit Acceptance was willing to settle and close the lease agreement after the XX/XX/XXXXXXXX  payment was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Hello my name is XXXX XXXX I am trying to buy a house and I realize that I have damages on my credit report. According to the 15 usc 1681 law, there should not be any damages on my credit report. Is a defamation to my character. I have reached out to all the companies and they are giving me the run around so Im asking please can cfpb help me with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: MA

Complaint narrative:
Hello my name is XXXX XXXX I am trying to buy a house and I realize that I have damages on my credit report. According to the 15 usc 1681 law, there should not be any damages on my credit report. Is a defamation to my character. I have reached out to all the companies and they are giving me the run around so Im asking please can cfpb help me with this problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I live in new york and Per the XXXX XXXX XXXXXXXX XXXX XXXX XXXX any account that has been paid and is over 5 years need to be purged from the credit report. XXXX XXXX XXXX is showing 5 years as of XX/XX/XXXXXXXX  but Experian is showing the account did not go delinquent untill XXXX when it was settled. XXXX is trying to say they do not have records going back that far. This trade needs to be purged per the law.

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