vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act Ford Mortor Credit Company/XXXX has violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it 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 credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I contacted PayPal re a purchase I made from XXXX on XX/XX/XXXX  in the amount of {$360.00} through them. Of that {$360.00}, on XXXX  at XXXX, I set up a partial return with the company in question. The amount of the return was {$230.00}. XXXX provided me with a return label ( they have a policy for FREE return shipping ) and return ID number : XXXX. This was provided to PayPal. The items were sent Via XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX continues to deny they received the package, despite the tracking information demonstrates the merchandise was in fact received on XX/XX/, XXXX at the warehouse in XXXX XXXX XXXX the address provided by XXXX XXXX Further, PayPal continues to decline the dispute even though proof has been provided on more than one occasion. I was able to chat with a live person, XXXX, who stated, {$230.00} was a charge back and therefore, the refund would not be coming from them directly but from PayPal. PayPal denies this, even though that information was provided to them. 

PayPal requested additional information that included the date, amount, and contents of the original purchase. I was told once they received that, they would be able to resolve the case in my favor. Said information was provided multiple times. Despite that, they closed my case in favor of the merchant. The evidence I have provided proves XXXX has received the package in question but PayPal refuses to further investigate despite XXXX has given them in writing that the refund of {$230.00} will be coming from PayPal as XXXX already refunded PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc.
State: MN

Complaint narrative:
I called to set up a payment plan because Im going through financial hardships right now and they were helping me set one up and they offer me a payment plan that I can not afford and I asked them if there was something else we can do and what other options can we do and they just kept repeating the same stuff over and over and ignoring my request and my help then they put me on hold for a while and then they told me they would contact me back through email about what they can do with my account. They couldnt answer my questions, and I feel like they dont care to answer my question or care to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
XXXX EQUIFAX XXXX XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING XXXX DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE XXXX XXXX & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian & XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN XXXX XXXX XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING XXXX DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 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
Consumer complaint received 2024-01-06 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: MO

Complaint narrative:
My student loans were consolidated with MOHELA in XX/XX/XXXX along with my XXXX application. In XX/XX/XXXX I received a notice that my consolidation was approved but that my XXXX application needed revision from my employers. I contacted my employers and asked them to complete and submit the revisions. In XXXX of XXXX there was no change to my application status. After several attempts to contact Mohela and hours-long waiting time on the phone, I was told that my employer information still had not been updated. I again reached out to my employers and resubmitted the application. Since XXXX, I have resubmitted my XXXX application XXXX more times along with employer information. I also have submitted the IDR income-driven repayment application 3 times along with updated pay information. Despite all my efforts and numerous phone calls, none of my applications have been updated by Mohela. When I last contacted them in early XX/XX/XXXX, they stated that they were going to place me in administrative forbearance while they process my XXXX and XXXX applications. However, My account states that I owe a payment of {$420.00} due XX/XX/XXXX ( more than XXXX the amount stated in the XXXX application ). I contacted Mohela again by phone on XX/XX/XXXX ; again, they stated that I was in administrative forbearance and that I did not have a payment due ; they stated they would correct the amount due on my account profile. As of today XX/XX/XXXX, my account balance still shows an a payment of {$420.00} due XX/XX/XXXX. My payment amount, loan balance, and XXXX qualified payment months are all incorrect. While I am waiting for Mohela to correct these problems, I am being charged additional interest for an incorrect loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Texas Guaranteed
State: TX

Complaint narrative:
XXXX XXXX XXXX  - Texas Guaranteed Student Loan Corporation executed several federal XXXX XXXX Master Promissory Notes between XXXX XXXX  ( lender ) and XXXX XXXX ( borrower ). The loan includes a 100 % origination fee to the student loan request which is considered predatory. Additionally, the university had an 18 % student default rate at the time of the loan. The borrower was unaware of the default risk until after the loan was executed and transferred to the US Department of Education. As a result, the borrower has never been able to keep up with the unfair loan services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi owes me and is wrongfully withholding {$450.00} from a transaction dispute. This dispute is still open TODAY, well after the 90 day limit to resolve disputes, and they dubiously reversed my conditional credit without ever notifying me in an attempt to get me to avoid noticing! This is extremely misleading and unethical!! 

On XX/XX/XXXX, I disputed a transaction totaling {$450.00} that I am still owed. A conditional credit of the full transaction amount was issued to me. 

On XX/XX/XXXX, Citi closed my dispute in the merchants favor without even asking for any evidence. I did not even have the opportunity to upload any proof or evidence pertaining to my dispute before they resolved it. 

On XX/XX/XXXX ( 122 days ago ), I complained and reopened the dispute detailing all my evidence of why I am entitled to a refund. Per law, Citi needs to close the dispute within 90 days. 

Today, on XX/XX/XXXX, my dispute status still says that Citi is reviewing the details of the dispute well beyond the time frame. I also discovered that they quietly reversed the conditional credit even though they reopened my dispute I was never notified that the credit was reversed, and only saw it when checking my monthly statement for XXXX ( it does not even appear in the mobile app ). 

Their mobile app still shows that my dispute is unresolved as of today, and it also doesnt even show the credit reversal in my digital transaction history, which is extremely misleading and it is clear they are trying to be sneaky by reversing the credit hoping that I dont notice. They also emailed me a note this morning with a flat out lie saying they sent a notice on XX/XX/XXXX of my dispute resolution which I never received, and they were not able to actually show me the note or any proof of delivery of that note I was not able to get in touch with anyone on that note even after trying to contact them, and no one from their team is able to look into it or help. DO NOT BANK WITH CITI THEY STOLE MY 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 2024-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My husband and I checked my FICO credit score on XX/XX/XXXX  to find that it was significantly lower than expected. I looked at the details of my credit report to find that there was a delinquency for a missed credit card payment. I contacted my credit card company ( XXXX ) on XX/XX/XXXX  to inquire about the missed payment because I had no recollection of missing a payment. They confirmed that they never filed a delinquency on my account. I created an account with XXXX to look at the credit report there and file a dispute, and when I looked at the credit report, it said that there was an adverse account with XXXX XXXX XXXX XXXX The account as an address that is a XXXX XXXX XXXX XXXX, XXXX. I did not create that account. 

I filed a dispute with TransUnion on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX, and XXXX XXXX on XX/XX/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 non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My husband and I checked my FICO credit score on XX/XX/XXXX  to find that it was significantly lower than expected. I looked at the details of my credit report to find that there was a delinquency for a missed credit card payment. I contacted my credit card company ( XXXX ) on XX/XX/XXXX  to inquire about the missed payment because I had no recollection of missing a payment. They confirmed that they never filed a delinquency on my account. I created an account with XXXX to look at the credit report there and file a dispute, and when I looked at the credit report, it said that there was an adverse account with XXXX XXXX XXXX XXXX The account as an address that is a XXXX XXXX XXXX XXXX, XXXX. I did not create that account. 

I filed a dispute with XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and Equifax, and XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it 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 credit plan as late for any purpose.

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 2024-01-06 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: IN

Complaint narrative:
Subject : Complaint Regarding 15 USC 1681 Permissible Purpose of Inquiries on Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding the presence of inquiries on my credit report under 15 USC 1681 , specifically concerning the permissible purpose of these inquiries. According to the Fair Credit Reporting Act, a permissible purpose is required for inquiries made into an individual 's credit report. I have reason to believe that inquiries have been made on my credit report without a permissible purpose, and I am requesting documentation to verify the permissible purpose of these inquiries. 

I request that they investigate the inquiries on my credit report and provide me with the following information : 1. Documentation demonstrating the permissible purpose of each inquiry on my credit report, as required by 15 USC 1681. 

2. Verification that each inquiry is connected to an account that is explicitly listed on my credit report Following inquiries thats on my Transunion account without permissible purpose 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 Furthermore, I request that they specifically connect each inquiry to an account that is present on my credit report and provide me with the documentation that was used to verify that I have an open account with the entities responsible for the inquiries. 

I believe that these inquiries may be in violation of the Fair Credit Reporting Act, and I am concerned about potential unauthorized access to my credit information. As a consumer, I have the right to ensure that all inquiries on my credit report are made for permissible purposes and are connected to valid accounts. 

I appreciate your attention to this matter and request that you provide me with a written response regarding the outcome of your investigation within the time frame specified by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, 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
Consumer complaint received 2024-01-06 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: FL

Complaint narrative:
I've been trying to purchase a house over the pass year so I have been monitoring my credit report. I disputed a lot of accounts off my report due to inaccurate reporting. Unfortunately I have a few accounts still reporting because the creditor is stating they verified the account which I don't understand because the account is not mine. The accounts are 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 non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been declined a basic checking account cause of the unauthorized use that XXXX XXXX XXXX XXXXXXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and others i dont authorize

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 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC
State: FL

Complaint narrative:
Allied Interstate LLC has called me numerous times from different numbers all different times of the day! They were looking for my elderly dad, XXXX XXXX who had XXXX ( not well ) and I am not giving them info. I told them he doesn't live here and to take me off their list! This hasn't stopped it!

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am victim of identity theft and XXXX XXXX  still ask me for responsibility to pay no matter what

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 2024-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
To Whom it May Concern, My name is XXXX XXXX Ive been a customer for some years now and I can not believe how I was treated after coming back from XXXX on my trip. I contact tj max rewards card regarding removing a late fee and no help at all. I also started to receive multiple fees which I have no idea where they came from. After login in everyday the charges changes. This is unacceptable and I would like a fair share of removing the 30 day notice off my credit because this was not my fault after being away. As you can see I am always on time with my tj maxx card. I am an excellent customer on payment and on time as you can see. Thank You!

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 2024-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX CMRE Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX RE : XXXX XXXX XXXX CREDITOR ACCOUNT XXXX Date of Service XX/XX/XXXX Dear Sir/Madam : Please be advised that the above referenced account was paid in full on XX/XX/XXXX confirmation XXXXXXXX XXXX XXXXXXXX. On XX/XX/XXXX I called XXXX XXXX and they confirmed that this account was paid in full with a case number of XXXX. Please refer to that case number when updating this account. 
Kindly provide a letter reflecting a XXXX balance for the above referenced account. Thank you for your anticipated courtesies in this matter. 

Cordially, XXXX XXXX XXXX : New Jersey Division of Consumer Affairs

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was looking through my credit report that saw some hard inquiries that do not belong to me

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