vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: FL

Complaint narrative:
The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX made pervasive and widespread substantial misrepresentations that their private loan borrowers relied on to their detriment. This conduct affected students who enrolled at the Art Institutes from XXXXXXXX XXXX XXXXXXXX through XXXX XXXXXXXX XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by The Art Institutes, The Department of Education has determined that it is appropriate to discharge the loans made to all students who attended XXXX XXXXXXXX XXXX during the time period described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I could have money in my account, and Navy federal charges me although Im enrolled in the oops program

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Worth Finance Corporation
State: TX

Complaint narrative:
I do now know what is Worth Finance, I do not know why they have all my information. They tried to contact me every days last few months ago, I thought they was scam so I tried to ignore them. They sent me a lot of letters from different addresses that I own them {$2000.00}. I saw their address from XXXX and XXXX but I did not go there this year. They proceeded the loans without verification, I did receive any verify email or call to verify. They have my phone number and my address why they do not send any verify to make sure. They just processed by themselves and then ask me to pay for the debt I did not own. THAT IS SCAM. They tried to call me from different phone number every day, around 2 to 3 time a day. They sent a lot of mail to request me to pay for the debt I dont know. They was process the loan without verification. I dont know why they have all my correct information but I can sure I didnt open this loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wanted to view XXXX  Transunion credit report but you are required to buy a membership to view the full report. the website states you can cancel anytime but when you try to cancel there is no place to do so. I contacted a customer service representative who said I could cancel it online within the account but could not show me where to do so. He then said that her would cancel it and send me the cancellation to my email. we talked for over XXXX minutes and I kept advising them that it was never received and kept requesting proof. eventually he just ended the chat discussion without providing the proof of cancellation letter. when I log in to remove my information I can not. it will only allow you to put in a different card and I believe this is because they want to keep charging my card against my wishes.

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 2025-01-03 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: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
my account was hacked with a total of {$1300.00} totaling for charges with XXXX eats and XXXX rides over a 5 day span..one day a total of {$880.00} the bank never alerted me to these transactions and the only way I discovered is because I looked into my account to check for my XXXX XXXX Frost bank has been very rude and not sensitive to the situation and I can not get a straight answer from anyone., I have turned in all the paper work they provided to me and they still are not cooperating ... Every time I call to speak with the person in charge of the investigation she is never available. These charges began on XX/XX/year> and continued until XX/XX/year> ..I have a savings and checking in that bank and I feel like I have been treated unfairly and basically accused. I have XXXX XXXX XXXX on a fixed income no way I would have used my funds for XXXX eats and rides... This is Frost bank.. I need help because I can not afford to give up XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I borrowed {$3000.00} in XX/XX/year>, with a monthly payment of {$170.00}. I have consistently made my payments on time, totaling {$1700.00} so far. However, my current balance is still {$2400.00}. This company was recommended by a law firm, so I did not anticipate dealing with a predatory lending institution. I would like to know my interest rate and why my payments do not seem to be properly applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
Repeated text messages claiming to be " Hasted Financial Services, a debt collector for a falsified service provided on XX/XX/year>. Claiming that I owe {$980.00} '' They have illegally obtained my name, DOB, SSN, and phone number.

No other method of communication was utilized ( physical mail, phone call, etc ) to notify of " debt collection '' or " being sent to collections '' as it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avid Acceptance, LLC
State: IL

Complaint narrative:
I settled my account with Avid Acceptance and was told that the account would be accurately updated and that I would receive a SIF Letter. I did receive the XXXX Letter but it was updated to credit as XXXX time payment {$100.00} and I SIF for {$500.00} but still showing as a charge off. Disputed it with all XXXX credit bureaus and was told upon completion of the investigation it was being reported accurately in which is false.

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 2025-01-03 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: CA

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
To whom may concern, please be advised I have been discussing mortgage assistance options with XXXX XXXX XXXX from the beginning of XXXX. I have responded to all of the requests for documentation in a timely manner only for them to return and request the same information over and over again. XXXX XXXX XXXX and its agents have systematically created an environment to put myself and clients like myself in a position of default. I believe this to be a business strategy of theirs. Additionally, in all of my conversations agents led me to believe that any settlements would not have negative impact on my personal credit, and they have gone ahead and reported negatively on my personal credit on a commercial account where the borrower is an entity. I ask you remove any negative reporting on my personal credit immediately and ask that you investigate XXXX XXXX XXXX for their practices in general and in specific with mortgageassistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: NV

Complaint narrative:
Hello, I have been waiting time and time again to open a deposit account, but I refuse it just because I filed for bankruptcy. So I went to the branch to see what the problem was, made a reservation over the phone, checked what the problem was, and I told them that I could open the account by paying for the service fee, but they said that I could not open it because of the bankruptcy exemption. My existing bankruptcy exemption is only for credit cards, and the credit card part is for bankruptcy, so I was exempted. I tried to pay for the existing cost of this service because I could open a deposit account, but I was rejected without knowing why I couldn't open it. 

i am really upset

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 2025-01-03 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: FL

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I downgraded an American Express Platinum to an American Express Gold card, which includes a XXXX XXXX  monthly benefit on XXXX. 

Upon adding my Amex Gold card to my XXXX account, as instructed, I encountered a pop-up that my card benefit had already been activated on another account ( this is not possible, as I do not have another XXXX account and no one else is in possession of this card ). 

Upon contacting Amex, they told me theres nothing they could do about that and that I would need to contact XXXX. The contact information they gave me at XXXX called their phone a ride line, without any form of customer support. After calling Amex a second time, I was given the same information, that they would not be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On multiple occasions I attached an Identity Theft Affidavit along with my documents and sent to the credit Bureaus, which they refuse to accept. 

See attached!

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I would like to bring to your attention that Equifax is not reporting my credit accurately ( as in when lenders try to pull my file they do not find one. ) I myself, when I go into their portal, I find that I can't see an updated version of my credit report and it states I have no accounts, however when I go to dispute a report - I see on the back end that I do indeed have accounts and they have done something to either my file ( either split it ) or their reporting system is not working correctly. 

I just called them and spent over an hour on the phone explaining the problem, they flat out refused to have anyone look into it unless I MAIL them my social security card, drivers license and various other pieces of personal information. As they have had a recent security breach I feel extremely uncomfortable mailing sensitive personal information to them and stated so and they continued to state they will not fix or investigate without this which I believe to be in violation of the FCRA. Additionally, with the time it would take to mail them information before they would even investigate is a delay in my rights as a consumer as standard mail to them would take an approximate week - and whatever internal processing time would be extensive My husband and I hope to buy a house and for mortgage, we need to be able to provide copies of all three major credit bureau reports and Equifax refusing to fix my report or unsplit my file basically negates any chance of us doing that as we would not be approved for a mortgage without this. I believe they are in violation of the FCRA and other federal laws for refusing to investigate their own software.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
Hello, I hope this message finds you well. I need to bring to your attention an issue that has caused me significant distress. Ive been a victim of identity theft - my information was used fraudulently, and as a result, an unauthorized item has appeared on my credit report. I have no connection to this account, and its presence is both unwarranted and deeply troubling. Following Experian 's advice, I promptly filed a report with the FTC and provided all necessary documentation to resolve this matter. However, despite these efforts, the fraudulent item still remains on my 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 explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
Lakeview mortgage/XXXX XXXX XXXX XXXX XXXX XXXX XXXX is holding my grant money illegally and will not provide a letter of forgiveness to me. I have a XXXX XXXX XXXX XXXX that was to be forgiven in the amount of {$26000.00} on XX/XX/year>. I have called the company 15 times and they continue to say they are busy but are escalating my forgiveness letter, however the letter never comes. After working hard to pay our mortgage on time every month for 3 years to comply with the grant- now I can not get ANY documentation of our hard work and we can not move forward with selling our home, refinancing and/or moving to a new 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 2025-01-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received two Amex XXXX XXXX. They included an email You have received an American Express XXXX XXXX from XXXX. On there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I have made multiple attempts to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. I have also attempted to use the card elsewhere online to no success. It is also difficult to see my balance due to Amex showing multiple transactions for one purchase some pending and others successful. Many people have reported having this problem over the past years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-03 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: MT

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation