vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-10 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: MO

Complaint narrative:
Company was notified with notarized documents pertaining to the information that is was incorrect and to be removed under 15 usc 1692b ( 3 ) The term creditor is defined under 15 usc 1692a as any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Defamation is defined under 28 U.S. Code 4101 ( 1 ) : The term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person.

15 U.S. Code 1692d ( 1 ) : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

XXXX XXXX received an affidavit and is in default of charges as they have failed to rebut the affidavit line by line as required by law.

The third maxim of Commercial Law states in commerce, truth is sovereign.

The fourth maxim of Commercial Law states truth is expressed in the form of an affidavit The fifth maxim of Commercial Law states that an unrebutted affidavit stands as truth The sixth maxim of Commercial Law states that an unrebutted affidavit becomes judgment in commerce.

The tenth maxim of Commercial Law states that a lien or claim can be satisfied only through ( a ) rebuttal by counteraffidavit point by point ; ( b ) resolution by a jury; or ( c ) payment or performance of the claim.

XXXX  XXXX  has failed to meet the requirements to a legal claim of a debt owed as well as to rebut the affidavit.

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 2021-10-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Company was notified with notarized documents pertaining to the information that is was incorrect and to be removed under 15 usc 1692b ( 3 ) The term creditor is defined under 15 usc 1692a as any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Defamation is defined under 28 U.S. Code 4101 ( 1 ) : The term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person.

15 U.S. Code 1692d ( 1 ) : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

XXXX XXXX received an affidavit and is in default of charges as they have failed to rebut the affidavit line by line as required by law. 


The third maxim of Commercial Law states in commerce, truth is sovereign.

The fourth maxim of Commercial Law states truth is expressed in the form of an affidavit The fifth maxim of Commercial Law states that an unrebutted affidavit stands as truth The sixth maxim of Commercial Law states that an unrebutted affidavit becomes judgment in commerce. The tenth maxim of Commercial Law states that a lien or claim can be satisfied only through ( a ) rebuttal by
counteraffidavit point by point ; ( b ) resolution by a jury; or ( c ) payment or performance of the claim.

Chase bank has failed to meet the requirements to a legal claim of a debt owed as well as to rebut the affidavit.

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 2021-10-10 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XX/XX/2022 ordered a XXXX hedgetrimmer online for {$98.00} and paid with XXXX with a Bank of America credit card. The next day after researching the seller it was determined the website was fake and I Immediately called BOA who issued a credit to my account. After receiving a tracking number from the fraudulent seller they reversed the credit to my account. I initiated my own investigation with XXXX who informed me the tracking number provided is fake. I appealed BOA decision but they still denied it. Bank of America per the member agreement should standby their customers and issue a credit based off the fraudulent charges.

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 2021-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX I made a regularly scheduled payment by the due date. On XX/XX/XXXX I paid off my credit card in full except for a pending charge of {$26.00}. On the morning of XX/XX/XXXX I checked my account and it showed a balance of {$26.00}. On the evening of XX/XX/XXXX I checked my balance again to find an interest fee of {$100.00}. I promptly called capital one to remove that charge since my payment had cleared on the XXXX before the new cycle started. They refused to remove it and were simply patronizing and rude. I asked to speak to a supervisor who was more rude than the first. He explained the interest rate was based on the average daily balance and that it would take 2 months to see those fees based off of my average daily balance go down. I proffered that I would never be able to pay off my credit card based on their predatory interest practices. He then further explained I could take my business elsewhere. I have been their customer for almost 18 years and in that time I have never missed a payment or been Late with a Payment. I asked to speak with someone above him and he said that was not allowed. Capital One needs to be investigated for their predatory lending practices and exorbitant interest fees and their complete lack of customer service. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I previously contacted the companies and listed with documents below the mentioned accounts are fraudulent. I have contacted the data furnisher and asked them to remove these accounts please check and fix this issue : ACCOUNTS : 1. XXXX/XXXX  2.XXXX XXXX 3.XXXX 4.XXXX/XXXX  5.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 2021-10-10 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: National Credit Adjusters, LLC
State: MS

Complaint narrative:
I previously contacted the companies and listed with documents below the mentioned accounts are fraudulent. I have contacted the data furnisher and asked them to remove these accounts please check and fix this issue : ACCOUNTS : 1. XXXX/XXXX  2.XXXX XXXX 3.XXXX 4.XXXX/XXXX  5.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: ERC
State: CA

Complaint narrative:
I PREVIOUSLY CONTACTED THE COMPANIES AND LISTED SUPPORTING DOCUMENTS BELOW TO HAVE THESE FRAUDULENT ACCOUNTS. I HAVE CONTACTED THE DATA FURNISHER AND ASKED THEM TO REMOVE THE FRAUDULENT ACCOUNTS. 

ACCOUNTS : 1.ENHANCED RECOVERY XXXX UNAUTHORIZED ACCOUNT 2.XXXX XXXX XXXX/XXXX XXXX UNAUTHORIZED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I PREVIOUSLY CONTACTED THE COMPANIES AND LISTED SUPPORTING DOCUMENTS BELOW TO HAVE THESE FRAUDULENT ACCOUNTS. I HAVE CONTACTED THE DATA FURNISHER AND ASKED THEM TO REMOVE THE FRAUDULENT ACCOUNTS. 

ACCOUNTS : 1.XXXX XXXX XXXX UNAUTHORIZED ACCOUNT 2.TRANSWORLD SYS INC/XXXX XXXX UNAUTHORIZED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail from HONDA FINANCIAL SERVICES about the unlawful repossession of my vehicle, within the letter it clearly states we have the collateral, and if the vehicle is sold for more I would get the extra money. This letter confirms my CFPB complaint # XXXX made earlier on XX/XX/XXXX this is a fraudulent loan and the XXXX XXXX XXXX has already been paid for as this was apart of a consumer credit transaction pursuant to 15 USC 1602 ( i ) .HONDA FINANCIAL SERVICES is also in receipt of my cease and desist as HONDA FINANCIAL SERVICES hired an unauthorized third party RECOVEY DEPARTMENT ( company name ) who is not a party listed on the contract or a witness to the contract as HONDA FINANCIAL SERVICES has now infringed upon my right to privacy and has organized the theft of my vehicle in which RECOVER DEPARTMENT is in possession of stolen property. This has cause a major inconvenience to my livelihood as Ive had to rent a car in order to continue my normal day to day operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
So this is an old account but it has a lot of inaccuracies that will require it to be reported correctly and marked as good or deleted permanently from my report First XXXX has 1 reported date as good and a line of gray are thats nothing this is enough to delete this item Secondly XXXX  has 1 ok mark and rest blank that is enough to delete this item Thirdly XXXX  has 2 ok marks and gray areas Dates on all 3 are inconsistent thats enough to delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: Nelnet, Inc.
State: HI

Complaint narrative:
During COVID, federal loans were in forbearance and interest was not supposed to be charged on federal student loans. Nelnet charged me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: IL

Complaint narrative:
TransUnion is reporting XXXX XXXX on my credit report its infringement upon a consumers right to privacy pursuant 15 USC 1692

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 2021-10-10 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: MA

Complaint narrative:
experian was given legal docs to prove i did not have the car in XXXX they will not accept them why it proves XXXX is responsible loan was paid off in XXXX of XXXX and they reported i was still paying in XXXX to XXXX whick i was not and late in XXXX and XXXX which i was not 36 month lease was up in XX/XX/XXXX how can i be still paying it in XXXX XXXX XXXX XXXX XXXX and then late in XXXX and XXXX they are lying 36 month lease started in XX/XX/XXXX add 36 to that not the 44 months they reported add it up experian do the math look at the facts EXPERIAN ADD THE STATEMENT TO THIS 3RD TIME ASKING

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 2021-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had contacted Capital One regarding charges on my credit card that I did not authorize, I did not benefit from nor did I make those charges. 

Billing statement XX/XX/XXXX -XX/XX/XXXX shows a credit from Capital One for the unauthorized charges and or fraud charges. 

That credit is not reflected in the balance owed, since Capital One sold the account to XXXX XXXX XXXX around XX/XX/XXXX since I refuse to pay for charges I never authorized nor did I make. The balance that XXXX XXXX XXXX is {$2000.00}. 

I contacted XXXX XXXX XXXX asking them to remove the collection account that is being reported to the major credit bureaus as a collection. I explained in writing to XXXX XXXX XXXX that capital one sold them an account with unauthorized and or fraud charges on it. That the entire balance is of unauthorized and or fraud charges. 

XXXX XXXX XXXX has refused to delete the collection account from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
Had unauthorized transactions on the account, funds credited, but locked account and will not transfer funds even though law requires access to the funds while they investigate. They also lost {$720.00} that im fighting with them over at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My name is XXXX XXXX I have a capitol one credit card that I am current on and my husband is an authorized user as well XXXX XXXX. I just pulled my credit report and I have found quite a few missing items or inaccuracies on my report that I would like to have. Fixed as this is hindering my credit. 1. The dates are of reporting are not consistent with each other 2. The day e the account was open is not consistent with each other 3. All 3 agencies reports for ( ok ) are missing months for reporting Per the fcra they must all be consistent o one can report differently than the other one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XX/XX/2021 my card was stolen and fraudulent charges were made to my card. Multiple authorized activities took place. I explain to XXXX that my ID was stolen as well. I have asked that these unauthorized charges be reversed. I have contacted multiple merchants regarding the time and places of these unauthorized transactions. I am asking Chime XXXX to refund and correct my balance from XX/XX/2021 - XX/XX/16-2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: IL

Complaint narrative:
The account from XXXX XXXX is incorrectly reporting as " open '' : on my credit reports. This is not an open account and this account should be reporting as closed. This needs to be fixed immediately as it is severely affecting my credit and causing adverse actions due to incorrect information. Per the FCRA this must be fixed and accurately reported. In addition to this XXXX XXXX sent me an application as proof that clearly has no signature on it. Meaning that this application was not fully completed and they refuse to acknowledge it. 

The other primary issue is that the account from the creditor " XXXX XXXX XXXX '' remains UNVERIFIED and UNVALIDATED after multiple requests for validation I have sent to them. They have ignored multiple request and have sent me absolutely no proof that this debt is mine. This account I ask that you thoroughly review and delete. I requested validation more than 30 days ago. They keep saying they are emailing and mailing documentation but that is a lie. I keep providing the correct email and physical address and receiving nothing. They are lying to cover themselves and that is deceptive.

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 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2021 I had three unauthorized XXXX payments. I made a claims to chase bank on the XXXX of XXXX and was Denied the coaims on XX/XX/2021. I signed into my account on XX/XX/XXXX, and notice my account has been hacked all my savings account was moved around to my checking account and all the money moved to my checking account was XXXX to individuals I never met a day in life and for the last two years if the did the investigation properly they can notice I only XXXX 4 people and I need your help I cant just give away hard earned money away for a fraud like this. 

XX/XX/2021 XXXX payment to XXXX XXXX {$490.00} XX/XX/2021 XXXX payment to XXXX XXXX {$500.00} XX/XX/2021 XXXX payment to XXXX XXXX {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: IL

Complaint narrative:
Experian is reporting XXXX XXXX XXXX XXXX on my credit report it's infringement upon a consumers rights to privacy pursuant 15 USC 1692

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 2021-10-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
My Mortgage was sold on XX/XX/2021. The new company will not send me a currant bill. Tried multible times on the phone with no resolve tried online nothing. My bill is now overdue and ( had this mortgage for years with another company was never late ) The new company is Freedom Mortgage I need help here as this is a VA loan. Another problem here is I changed my home owners insurance in XXXX for XXXX XXXX dollars less a year XXXX will not reconize this and still wants the XXXX instead of XXXX. I am a XXXX XXXX XXXX XXXX Vet and do not pay real estate taxes. This company had me on hold for 45 minutes on the phone and still could not send me a bill

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 2021-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2020 I started to receive my unemployment benefits from GDOL which included several deposits for back paided week on my claim. Altogether I received XXXX on XX/XX/2020 I recieced 1 single deposit t which time my account was restricted and subsequently placed with a permanent limitation. I've contacted PayPal numerous times over the past 1, 3 months and I'm still being told that no information can be given. And that no one within PayPal entirety could uplift these restrictions so I can regain access to my full rightfully owned funds. I was a regular UI recipient not a PUA recipient. These are funds that I am lawfully & rightfully entitled to. I've done everything accordingly but PayPal is refusing to release my funds to me and I've followed their procedure thoroughly & now I'm not being given any resolution or solution to withdraw my funds and close my account. And it's been over a full calendar year since these restrictions were first implemented against myself. Please help me recover my funds in a timely manner.

Company response to consumer: Closed with explanation