vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 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: FL

Complaint narrative:
Reporting duplicate that on my credit reports the collection agency purchased this debt from XXXX XXXX XXXX in 2015. They have duplicate items one of my XXXX XXXX and one of my Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: WA

Complaint narrative:
MOHELA lists IDR recertification date is in XXXX and will not respond to inquiries. Dept of ED states If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX  year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. Yet, my date is still incorrect. 

If I fail to recertify by MOHELAs incorrect recertification date I will have my accrued interest of over XXXX capitalize onto my loans principal. I would like MOHELA to follow the guideless set by the dept of ED and push back IDR recertification dates like they are supposed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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:
Accounts : XXXX XXXX XXXX, amount : {$160.00}, DateXX/XX/XXXX XXXX XXXX XXXX, amount : {$970.00}, Date : XX/XX/2023 In accordance with the Fair Credit Reporting Act, 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 permission.

Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.

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 2023-12-31 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: FL

Complaint narrative:
This company is maliciously messing up my credit report I paid this I disputed it that I paid it and they came back and said I didnt pay it. I have proof right here that its paid on their website and the payments. The payments histories are wrong. they are messing up my credit. I paid all of these loans off, and when I dispute it, they are lying to you. They are illegally messing up peoples credits and I paid the charge off off. They are maliciously reporting on this making my score go down and down. Ive called set on the phone with them for an hour I called 20 times I cant get nowhere theyre like robots they keep saying the same thing over and over again they dont care if they dont know what theyre doing please help.

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 2023-12-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I make a purchase through XXXX on XX/XX/23. One part of the order went through without any issues. The second part of the order didn't no matter how many times I tried. I used the same card. Everyone knows XXXX does not ask for security codes. It's interesting that I have a American Express prepaid card and they have no problems letting transactions go through all the time. I contacted the gift card department Friday morning and the agent said she will submit a request to have restrictions lifted. That was a lie. I called again Friday evening and the agent said the same thing and that was a lie. I called again on Saturday morning and the agent said she did not see any notes about the restrictions being lifted. Both agents said it will take 24 hours which XXXX XXXX my XXXX delivery and now I have to make two trips to pickup my order. Purely ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shell point mortgage upcharge my pre-foreclosure home costing me XXXX from a failed contract when they publicly publicized a pre-foreclosure measure rate at the end of my first contract back in XXXX spiraling the mortgage out of control and losing that contract by the buyer you're sending what these dirt balls take all my regular payments of 35 months and put none of it towards the principal they charge me double the attorney fees by hidden fees and codes and they also try to double my taxes when they got government money and they still withhold my XXXX that shows this payment from the government to XXXX XXXX and Shell point and there was holding it for me today currently is my taxes are still held up for 3 years extreme pain and suffering they stole my home their third-partied me to debt collectors to mitigate the liability just like the government does with third party institutions which is the biggest XXXX scheme in the world this is no laughing matter you stole my XXXX home why would I be another another victim of scamming because it's the great take and there's nothing we can do about it thank you government for allowing Banks to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn the street my home is gone now my security is gone my hopes and dreams are gone it's middle of winter up here in XXXX New York you XXXX you XXXX XXXX my home you XXXX  stole my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the FCRA ( Fair Credit Reporting Act XXXX account # XXXX 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 an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
This company gave two different amounts from when the car was repossessed and when it was sold to an auction, the amount went lower then higher

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 2023-12-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an email on XX/XX/XXXX from Chase stating the following : " As of XX/XX/XXXX, our records indicate that you may have a {$500.00} United Airlines travel credit available for redemption, expiring on XX/XX/XXXXXXXX XXXX This means you must book your flight prior to XX/XX/XXXXXXXX XXXX but your travel date may occur after. '' On XX/XX/XXXX, I tried to redeem the remaining credit amount of {$140.00} towards a flight with travel dates XX/XX/XXXX - XX/XX/XXXX and was told the travel can not occur after XX/XX/XXXXXXXX  and that I will lose my credit tomorrow. When i referred to the email that i had received from Chase- the agent called it a " general email '' that was sent out - when in fact it had very specific information about my credit and it was personally addressed to me. The original email clearly states that I can use it for travel after the date and had I known I had to travel prior to this date, I would have booked earlier in XXXX  This was inaccurate and very confusing information provided by Chase and they should be held responsible for the money/credit I will be losing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
Im a full class member of XXXX XXXX XXXX and lender Mohela has taken loans out of forbearance and now reporting them as 30 days past due. They have not processed the full discharge as approved by the class action suit and they are continuing collection efforts and harassing me. Ive requested them to place back into admin forbearance and they said no also asked federal student aid to notify them of this requirement and they have notified Mohela twice but Mohela still refusing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: NM

Complaint narrative:
I was given an AMEX egift card for {$200.00} as a XXXX bonus from my employer. I have not been able to use this card anywhere except one website. It does not work at XXXX, XXXX XXXX, and several smaller retailer. There is still {$99.00} on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
1.I returned a product that I'd purchased on XXXX back to XXXX via XXXX. 
2. XXXX never refunded me the money back after they received the product. 
3. I disputed the amount to my bank. 
4. My bank investigated and found XXXX not in compliance. 
5. My bank refunded the {$52.00} back to me. 
6. XXXX sent that amount of {$52.00} to a debt collector, TRS Recovery Services , Inc . 
XXXX. Debt collector, TRS, demanded payment on XXXX, reference # XXXX. 
8. Debt collector, TRS, XXXX, does not answer their phone. 
9. I sent the {$52.00} to the debt collector by error. 
10. The debt collector refuses to return those funds. 
11. XXXX refuses to return those funds. 
12. I reported XXXX to the Attorney General. 
13. There's an open case involving XXXX via Attorney General. 
14. I reported the debt collector, TRS, to the Atty General 15. There's an open case involving TRS via the Atty General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: MI

Complaint narrative:
I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process.By the FCRA, 15USC 1681 G my information should be safe and secure and i see its not.My information has also been in a breach.This is a defemation of my character and causing emotional stress on me.Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report. There are also some addresses and inquiries that i want to report that i see happened during the identity theft.I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.

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 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
Reference:XXXX  On XXXX XXXX I applied for a credit card and was denied. I realized that this had to have been an error because I know that according to the truth and lending act that credit is my XXXX given right. So I reached out to them via telephone to get this issue rectified but again I was met with another no. On XXXX XXXX I received another letter stating that per our phone conversation they reviewed my application again this time by a " supervisor for possible exception '' and again they told me " we will abide by our original decision. '' So that same day I sent them a letter informing them of how they were violating my rights and committing securities fraud. As well as using information from a source that I never gave permission to have let alone report on my behalf. On XX/XX/2023 They responded back stating that they still weren't going to open my account and their decision remains unchanged. At this point I am starting to feel a great since of XXXX knowing that XXXX was only a few weeks away and a recent car accident was preventing me from working. So I reached out again on XXXX XXXX, I again let them know how they were violating my rights and discriminating against me by not opening my account. XX/XX/2023 I received another letter from them again stating that they will not be opening my account and their decision remains unchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: MI

Complaint narrative:
I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process.By the FCRA, 15USC 1681 G my information should be safe and secure and i see its not.My information has also been in a breach.This is a defemation of my character and causing emotional stress on me.Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report. There are also some addresses and inquiries that i want to report that i see happened during the identity theft.I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: MI

Complaint narrative:
I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process.By the FCRA, 15USC 1681 G my information should be safe and secure and i see its not.My information has also been in a breach.This is a defemation of my character and causing emotional stress on me.Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report. There are also some addresses and inquiries that i want to report that i see happened during the identity theft.I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.

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 2023-12-31 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: MI

Complaint narrative:
We have received letters stating we have exceeded the minimum number of payments. Yet balance was not XXXX out and they have started taking our direct deposit payments again. It's MOHELA and they blame feds for transferring our loan around. No one can give us a straight answer except " it's being taken care of ''. When we call we get " it can take up to 90 days '' ... .it 's been over a year now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had filed a consumer, financial protection agency complete against XXXX XXXX in XXXX XXXX Approximately XX/XX/2023. XXXXXXXX XXXX  froze my account two years ago for a joint IRS tax refund that my husband signed and I signed and I put in my personal checking account. My husband and I were going through divorce and he complained to the bank that he didnt get his half of the refund, so XXXX XXXX account with the understanding that I was to bring my husband in and he signed an affidavit that he signed the check and I returned the check to them. Theres a restraining order on my husband for XXXX. He was arrested for XXXX  XXXX, and I could not bring him in and he cant even be near me. The bank went ahead and hold on the check for approximately a month and then release the funds. And then place the throw it freeze on the account with those stipulations. Unfortunately, XXXX had cashed the check and I was unable to go to the IRS to have them issue to separate checks so the funds still remain in the bank account and XXXX still will not release the funds to me, I file consumer financial protection complaint and they actually released the hold on the account and I had verified it with Capital One Bank. All three of us were on the phone and XXXXXXXX XXXXXXXX is shirt capital one bank with me on the phone that there was no holds on the account and that they could transfer the funds and there would be no problem with me having the money. Well, two weeks later they reverse the funds so I attempted to transfer again to make sure that maybe there was an error and I did this probably three or four times and they reversed it every time. Well, One has no My Account and will not release hold. They said its under investigation its been 15 days now and I cant make my auto loan payment. I cant use my credit cards. They have all my money and commercial has all my other money and Im sitting here looking at no food. No gas cant pay my bills. My credit is gone down because I cant even pay the car payment that One has and I can not pay it with my own checking account. They allow me to transfer it but then they reverse it now, and basically Im sitting here looking at my electricity is going to be cut off and I have no access to any financial banking. Im very frustrated I was not allowed to have a XXXX this year because of this and my phones gon na be cut off Im trying to operate my own business and I have no access to funds. This has been the most horrific experience in banking Ive ever had I feel its very unfair. They dont care everything is computer generated and operated and I cant talk to anybody nobody ever calls me back when I do leave messages and they said they dont know when theyre gon na ever really XXXX. I have a mortgage payment is due. I have car payments thats due. I cant pay any bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: NJ

Complaint narrative:
I am a victim of identity theft. I have been made aware of the ongoing fraudulent actions being committed against my estate. These fraudulent actions are in multiple violations of 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, and in turn have caused me a great deal of stress along with an exponential amount of loss. Therefore, I am requesting that the reporting of the information be blocked and deleted along with payment of the civil liabilities outlined in 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION.

n accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  account number : XXXX {$670.00} XXXX XXXX account XXXX {$430.00} XXXX XXXX XXXX account number : XXXX {$400.00} dept of educationXXXX account number : XXXX {$1700.00} XXXXXXXX XXXX account number : XXXX {$1700.00} XXXX XXXX XXXX  account number : XXXX {$760.00} account number : XXXX {$680.00} us dept of XXXX account number : XXXX {$1700.00} hard inquiries as followed XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I havright to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of alleged debt, nor therefore any such debt, in fact exist

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