vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates
State: FL

Complaint narrative:
Company contacted my sister stating that they were trying to contact me regarding legal documents needing to be delivered on XXXX. I contacted the company and provided a reference number. I spoke to a representative whonstated that the attorney that was handling my case was in a meeting & gave her permission to give me information. She stated that yhey are an attorneys office ( Mcdonell & associates ) & they have filed a lawsuit against me which I will have to go to court or settle the payment. They emailed two documents to sign. The second document stated that THEY ARE A DEBT COLLECTOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: RI

Complaint narrative:
Mohela is not correctly processing my PSLF application. They denied my application, mentioning that section 3 of the form was not completed. After further review my PSLF application was filled out correctly, and the denial is incorrect.The PSLF applications I submitted on XX/XX/2023 were for Women & Infants Hospital and The XXXX XXXX . When I resubmitted the application it came back as being denied as a duplicate form. 

The denial also mentions there is no end date on either application which is also false. Both have either an end date or they are listed as my current employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I WILL FILE A COMPLAINT.. As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055, Law Firm Cravath XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,

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 2023-04-17 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: MO

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I WILL FILE A COMPLAINT.. As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055, Law Firm Cravath , XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
To whom it may concern : I applied for a Discover Secured Card XX/XX/. On XX/XX/ XXXX was debited from my account by Discover, for my security deposit for the card. 

XX/XX/ : I reached out to Discover Secured Card Service and closed my account and requested my security deposit of XXXX be returned. I was told my refund would be returned in 7-10 business days. 

I reached out to Discover somewhere in XXXX and was told that my deposit was being processed and my XXXX deposit would be returned after two billing cycles. Considering I never had a billing cycle, I am unsure how they were calculating a billing cycle. 

XX/XX/ : I reached out to Discover once again and was told that my refund had not been processed, the agent assured me she was submitting for it to be processed and I would receive it in 7-10 days. 

I would like to receive my deposit back as it has been 60 days. Discover debited my account in two days but I am getting the run around when it comes to getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2023, someone fraudulently attempted to open several credit accounts and the inquiries appeared on my credit reports from XXXX and XXXX. XXXX responded in a professional way. I have been unable to get XXXX to remove the hard inquiry for XXXX, XXXX XXXX from my credit bureau report to date. I have made repeated phone calls, have sent them every requested bit of information and it still has not been removed. Today 's service rep told me that they had removed the XXXX XXXX inquiry from my report. However, the XXXX inquiry was for XXXX, and XXXX removed it upon my first request plus supplying them with some additional information. 
I have again called XXXX and requested that they again contact the credit bureau. I will also send them a copy of this report and a copy of my social security and driver 's license for the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I tried to contact state line collections in XXXX Wisconsin for medical bills. I talked to a lady today at XXXX XXXX. I asked her what bills I owed from XXXX XXXX XXXX. She then said that there is a XXXX XXXX on my account. I was super mad saying I dont have any kids and that is so hurtful to me. She then asked do I have any family members named XXXX. I said there is no one in my family named XXXX XXXX. I said my nephew goes hunting for deer but that is the hunt we do. She then puts me on hold for like 2 minutes comes back and says I realized I had you on hold. I said listen I am turning you in to the government for fraud. I can not express how hurt I am. Every which way I turn there is someone trying to hurt me. I want proof of these medical bills. I asked her what is hunters date of birth. She said she cant tell me that information even though this fake XXXX is on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I bought this Laptop on XX/XX/2022 on XXXX and the Affirm company is paying for me and I have to reimburse Affirm with interest.I received a message from XXXX and XXXX to inform me that they didn't deliver this laptop because there is no one at my house to sign, the next day I received another message than thislaptop had delivered to my home, when I arrived at home don't saw nothing.I contacted XXXX and Affirm, they promised me they would open an investigation and After 3 day 's they will contact me, they never contact me.I contact them multiple times and they informed me that I have to wait. Few months later XXXX told me that I have to go and failed a police report and I did went ahead and proceeded by doing so and, contact the merchant again which is XXXX and they informed me that I have to get the police to called them the merchant and I informed the police officer about it and they told me that they dont call merchants, the merchant should be the one reaching out to them because the report that he wrote have all the contact information.After several months of struggle going back and forth between XXXX  and Affirm, XXXX told me to contact XXXX  and I did that but XXXX  told me it's too late I should do that before 90 days.Now Affirm has decided to send me to the credit collection department XXXX because I refused to continue pay this laptop which I never received.I can't pay for something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: IN

Complaint narrative:
According to Law False information must not be furnished XXXX XXXX XXXX continues to report my account as Trade with False Information This was a Secure Account which required a cash deposit which was never accredited to the account before or after the Charge Off Therefore the Balance is incorrect

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 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have an issue with one of the collection agencies ( Midland Credit Management- XXXX XXXX XXXX XXXX on my credit report. This is exactly how the conversation went, and I do not think this is right and fair. 

-I had a {$1500.00} balance on my account. 
-I called to set up an arrangement to pay over {$1000.00}. 
-The collection agency confirmed that over {$1000.00} was paid. 
-I disputed the account because the account was supposed to be settled and closed -The collection agency refused to close the account.

-I called the collection agency and they said that they want to negotiate a new settlement since I disputed them after over {$1000.00} was paid from me -I told them that is not right. This account was supposed to be closed -The collection agency responded with this exact statement " We are not obligated to offer you any discounted settlements. You either have to pay us or the account will remain open. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting incorrectly on my credit report as a loan that I dont have with them for a vehicle that I have sold during a collision. I have supporting documentation that this debt is reporting inaccurately due to the car/title not having a lienholder and was sold, because the vehicle was mine and PAID IN FULL.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting incorrectly on my credit report as a loan that I dont have with them for a vehicle that I have sold during a collision. I have supporting documentation that this debt is reporting inaccurately due to the car/title not having a lienholder and was sold, because the vehicle was mine and PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting incorrectly on my credit report as a loan that I dont have with them for a vehicle that I have sold during a collision. I have supporting documentation that this debt is reporting inaccurately due to the car/title not having a lienholder and was sold, because the vehicle was mine and PAID IN FULL.

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 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went into my local Chase branch and opened a checking account ( XX/XX/31 ). I tried to fund the account with a {$5000.00} check drawn on XXXX but it turns out that XXXX had changed its clearing house bank and so the check was returned. I then transferred {$1500.00} using XXXX into the account to fund it. I tried to setup a few more accounts to do XXXX transfers in and out of the account ( XXXX, XXXX XXXX XXXX ( wife ), XXXX XXXX  XXXX XXXX ). I made a few errors trying to figure out XXXX using {$1.00} transfers that failed but more or less figured it all out and thought I was good to go. The main reason I want this account is our local bank does not do XXXX. 

A couple weeks later I received my bank card so went to local Chase to deposit a {$5000.00} check to fund the account from a local bank and I could not use the card so I went in tried deposit it in person and was told that my account was being closed but they could not tell me why other than some other department had made a note on my account to be closed and not do business with me every again. I called the number they sent me two more times trying to get an answer but they refused to give me any information other than they are closing my account and will not tell me why. The local branch could not return the {$1400.00}. I also have a credit card with Chase which I have no idea what the state of that is. Chase simply has no one to talk to to resolve this issue. 

Hard to believe that such a simple issue can not be resolved but clear Chase has automate system without any opportunity to talk with some who can resolve things.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I written numerous of letters stating for them to verify this debt as well the amount owned. Because I have or had medical insurance. And I shouldn't be receiving anything regarding my medical information being sold or discussed to outsiders this go against the HIPPA law. And I would like to remove from 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 explanation