vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
So theres a couple problems. XXXX XXXX knew that I had XXXX because I verbally told them. Thats the first problem. The second problem is that they took my medical information and gave that medical information to a collection agency in the river in accordance to the response from the collection, agency XXXX XXXX. 
I under no circumstances, agreed that a XXXX XXXX for a collection agency could have my medical information. I want this removed immediately. And I would like you to pursue whatever HIPAA things should be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Sapphire Preferred card advertises that you have XXXX points or {$960.00} to use towards a ticket purchased on their travel site but when you try to buy at the published price you find a system error call a Travel Advisor. As you call you are informed that the airline have changed the price and the new price is, coincidentally, the same as original PLUS {$960.00}!!!

I declined the. Purchase and went to the airline webpage where i could purchase at the original price posted and CHASE Travel site In other words, Chase, dishonestly, maneuvers the prices on their site in order to nullify your rewards buying power

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
On XX/XX/2022, I received an email from Experian to log into my account as a vehicle had been added to my account. 
Upon login in, I was asked to confirm vehicle details for two vehicles I had never owned. 

I contacted customer service via phone to understand what was happening as I feared my info might have been compromised. I was informed Experian was offering a service that linked vehicles to Experian Accounts. 

The agent could not explain why the vehicles were linked to my account, so the issue escalated. 

I received an email on XX/XX/XXXX explaining the same things I had already been told and that their system sometime is not 100 % accurate. 
Since I had recently moved, I inquired about which address their system had used to link those vehicles to my account. To this day, my emails ( four ) have been left unanswered and I still don't know how my information are used and stored.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION is reporting transactions and experiences on my consumer report which include late payments, Past due amount, Original balance, Monthly payment, Terms, balance, credit limit and monthly payment from the following company : XXXX XXXX  Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) transactions or experiences are not to be reported on a consumer report and pursuant to 15 U.S. Code 1666b a payment on a credit card account under an open end consumer credit plan is not to be treated as late for any purpose. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. This company and their inaccurate reporting have damaged my livelihood.

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 2023-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To whom it may concern. 
Please be advised that I have requested validation of an item reported to you by the above original creditor collection agency. I have received a response that it is in violation of my rights according to HIPPA. 
XXXX XXXX XXXX did not provide me a HIPPA signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my HIPPA rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.

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 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Me and my wife bank with truist bank a credit card company put a writ of garnesment on her for a credit card that she forgot to pay so the bank froze our account when we found about it we called the company that she owed and explained to them that we just missed it and it was complety our fauilt so they let us set up payments to pay the card off so then they contacted our bank and told them that we are paying the card off and to stop the garnesment at witch time they did it was on XX/XX/22 so they unfroze our account but they put a hold on {$340.00} so i have called the bank and no one can tell us why they have a hold on our account they just tell us to call this number to the lawyer that put the garnesment on us witch we did and he says that he did not have them put a hold on our money and he also explained to them that he sent the leter to them to stop the garnesment witch clearley they got because they stopped it but no one can tell us why the hold is there and they will not give us our money.

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 2023-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
A statement and payment were sent to Comenity Bank XXXX XXXX from XXXX, Texas to XXXX, Texas on XX/XX/2022 for {$160.00}. The payment was not processed until 6 days after it was considered past due on XX/XX/XXXX. The expected delivery for the payment was XX/XX/XXXX. Due to this late process of the payment, my account is not showing as past due. I contacted Comenity Bank to run an Off-cycle Report so my account shows as up to date, but they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To whom it may concern. 
Please be advised that I have requested validation of an item reported to you by the above original creditor collection agency. I have received a response that it is in violation of my rights according to HIPPA. 
XXXX XXXX XXXX did not provide me a HIPPA signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my HIPPA rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH mortgage is reporting that I have a XXXX XXXX  have never filed a XXXX XXXX and they said that it was open XX/XX/2019 and XXXX on XXXX XXXXI called them and they are trying to put the blame someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
In XX/XX/2022 I received a check in XXXX XXXX sent by Bank of America ( BofA ), {$6600.00} USD, already expired due to the large time that it takes when the cheapest postal service is used ; I asked BofA to send me a second check and use air mail service, but they told me that they could not the mailing rules of this bank. After 45 days I received this document and after the endorsement by my wife and me it was deposited in the account of a friend in XXXX, Texas, but after a great effort trying to get clear approval, this bank did not help me. A further check was issued and sent by the land service, but it was robbed by a thief in the XXXX, and cashed in a XXXX XXXX branch ( unfortunately without our endorsement signatures, was quickly cleared by BofA ).

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 2023-01-06 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Flandreau Santee Sioux Tribe
State: CA

Complaint narrative:
In XX/XX/XXXX I took out a XXXX payday loan from Rushmore Financial. It was one of 6. out of control, I quickly agreed to have XXXX XXXX recommended to me, begin working for me to settle these payday loans. They told me toi send out an offcial letter stating i dont want them to cotninue to take out weekly payments from my bank. XXXX and the rest of them all got these letters. I did recieve 3 different agreement settlements working with XXXX XXXX, XXXX was one of them. I still have the agreement, the email just to confirm a few years later when they first started harrassing me, and my bank records that was set up to hold these fund, that I finished paying my debt to XXXX in XX/XX/XXXX. 

The past week, my aunt, my cousin who lives in another state and my father have recieved calls from someone claiming to be with the Department of XXXX XXXX, and threatened me that he had no choice but to push this form for wages of my XXXX social securitty to be garnished if I didn't pay the XXXX for this Rushmore Financial debt. As soon as I heard those words, I told him I already paid and go ahead and do whatever cause I have proof. He called me 3 more times, then at night, and now this morning I got a call claiming his name was XXXX XXXX a mediator from XXXX XXXX of sumner working on trying to keep XXXX 's lawyers from prosecuting me to the fullest extent, he claimed they were ready to move forward for identity theft, and fleeing from the law..he even started the conversation by verifying the last 4 of my social security number so innitially I was unsure. XXXX XXXX IS a mediator. He references rushmore lawyers wanting nothing more than toi take me to court, and I stop him to say Dude, i paid that. What do you need from me in order to clear this up? He says he needs my original account number so he can verifiy with XXXX and then close case.., .the thing is..the original account number is my social security, and i reazlized he already knows the last four, ,needless to say harrassing family members whom personal information. was NOT given out to them myself, pretending to be an official with XXXX XXXX i live in, and threatening serious legal allegations for a XXXX dollar loan i paid off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed a Identity fraud report with identifytheft.gov, I have attached the submitted form. 

I have sent dispute letters and proof of account responsibilities letters to Experian Dispute Center. 

Experian are completing my disputes without sending me verifications that the following collection accounts belong to I. 

Experian has violated my rights. 

15 U.S.C 1681 Section 602 A. States. I have 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 2023-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Sent certified letter to credit bureaus in regards to the furnisher of bankruptcy information stated on report. I requested the bureau to provide me with all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization to release bearing my signature.

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 2023-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello this is a feature of my American Express Serve debit card that I am supposed to be able to use, but for some reason has never worked for me. I tried XXXX XXXX at XXXX powered by XXXX multiple times, a feature of the Serve  XXXX, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, etc but all were " unable to be approved '' errors. This also happened today. I still don't understand why it doesn't work. I don't believe that I have reached any of the Serve  limits described on the serve.com website, and my account has sufficient funds. This is very stressful and distressing to me and am having difficulty even getting to anywhere to try and purchase money orders somewhere, mail them, use a ATM machine and also have to deal with daily ATM limits and fees. I need to complete my important payment as soon as possible and for some reason nothing is working and am still having problems with everything. I have verified my identity with American Express Serve and attempted the Cash Pickup feature many times in multiple browsers and devices. I attempted to do a bank transfer from my Serve account with XXXX, and it was declined and my account " locked for security purposes '' while waiting for the bank account verification deposits on my Serve account, and I explained in the email this situation, but have not received any response yet. I have been having difficulties attempting to purchase money orders and getting any help at all from XXXX or Serve  customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have sent dispute and validation letters but I haven't gotten any response. This information is inaccurate and must be properly verified and if not must be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I received in the same day a denial saying that my PSLF discharge was denied because I was no longer employed by a government entity ( I am, and the form I submitted showed I still am employed. ) The SAME day I received the following message from MOHELA in writing that said " Thank you for contacting MOHELA, Congratulations! There is no further action that you need to take. We will notify you once the discharge is in process. Public Service Loan Forgiveness ( PSLF ) Discharges can take up to 90 business days from the notice to be complete. " When I called it took 10 times at least being on hold for hours and when I finally got through the girl was clueless and said she didn't know why my loan wasn't discharged and the denial " must have been a mistake '' and said it looked like I had done everything I need to do. When I hung up she resent a copy of the same denial. Their website currently has me with XXXX qualifying payments for pslf and they say on the phone and in writing that I've done everything I need to do, yet they STILL show a balance due and are still reporting this balance on my credit report. I can get NOBODY on the phone who can tell me why my loan hasn't been discharged and my credit is being negatively affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Account number : XXXX According to the Aidvantage site, on XX/XX/2022 a refund in the amount of {$1200.00}. I did not request a refund nor have I received a refund. 

I inquired to Aidvantage about the refund, and I was told that XXXX now has my account. 

When I contacted XXXX, I was told that they do not know anything about a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: MS

Complaint narrative:
Deleted any thing off your credit!!!! 



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



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

15 U.S.C 1681 Section 602 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 non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. My name was found on the dark web. Someone or something destroyed my credit with accounts and inquiries.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. My name was found on the dark web. Someone or something destroyed my credit with accounts and inquiries.

Company response to consumer: Closed with explanation