vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Date opened XX/XX/2013 Account type Credit Card This account is paid in full and resolved with credit grantor as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.The account is reporting late and charge-off despite being closed and paid.

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 2022-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
I have sent them paperwork to prove that this account is not mine and they still try to attack me for this payment. Claim it was sold to another company but was charged off. I am confused. I asked them for paperwork like doc notes, my social security, something. they gave me a letter with info that was sold to them.

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 2022-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Merchants & Medical Credit at XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$2400.00} and a second account in the amount of {$570.00}. the collections has been reported as past due balance, i do not know this company.i have never done any bussiness with this company, this company does not have a contract with my signature on it ... .....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is reporting that I committed fraud to credit reporting agencies when in fact my card was stolen and I called them regarding this matter when it first took place. I have not seen clear evidence such as video footage or any supporting physical evidence to tie me to this matter. Someone stole my debit card and tried depositing a fake check I called BOA and they still put as suspected fraud. I even sent them a letter stating Ill pay the balance to have this removed and I never got feedback. This is causing me to be debt and its embarrassing.

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 2022-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XX/XX/XXXX, I contacted XXXX XXXX XXXX in XXXX, Georgia, to make an appointment for a recall transmission service of a XXXX XXXX XXXX. Recall transmission repairs have been done at this same dealership in the past. I was unable to drive the car and was given an appointment to drop the car off on XX/XX/XXXX, which I did. I immediately requested a loaner vehicle and was told one wasnt available. After, several weeks I was approved to receive a rental through XXXX but can not use that rental care company due to owing a balance. I had a similar issue in the past with XXXX, who immediately allowed me to rent a car through XXXX. 

I was eventually informed I could rent with another car rental company and receive reimbursement. However, I did not receive this information in writing, and it would incur thousands of dollars upfront with no clear standard on the rental process or when I will receive reimbursement. This is not feasible considering I am still paying the monthly note to Navy Federal Credit Union and the insurance while the car is inoperable. 


My most recent attempt to resolve this was on XX/XX/XXXX at the XXXX XXXX XXXX, where I was given the contact information to XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. I made two calls to XXXXXXXX XXXX XXXX. During the first call, I have informed XXXX at XXXX XXXX XXXX was instructed on how to approve a car rental through XXXX based on the extenuating services the manager would assist. I was told no case number could be provided because all rentals are handled on the dealership level. Following this call, I immediately texted the manager, XXXX, about this encounter and called XXXX XXXX XXXX and asked to speak to XXXX. I was informed there were no employees with that name. 

I again called XXXX Customer Service and was informed there was no record of my previous call. The representative attempted to contact XXXX XXXX XXXX and stated they could not reach anyone. I also called the XXXX XXXX XXXX XXXX XXXX and was instructed to file an online complaint. 


I would also like to make it known I am a Registered Nurse and frontline worker and must travel from XXXX XXXX to XXXX to work, at least 40 miles one way. This hardship has created tension at my workplace because I can not take any time off due to the pandemic. There is also tension in my relationships as I beg for rides and provide them cash, increasing my debts. Since it has been almost three months with no anticipated end date due to the needed transmission module, the suitable option would be Navy Federal releasing me from this loan with no debt owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
During the XXXX season of XXXX I XXXX XXXX the consumer and natural person alive and living received communication from a third party debt collector Spring Oaks Capital alleging XXXX XXXX owes {$210.00} XXXX This alleged debt had already been disputed and thus removed from my credit reports thru cease and desist with XXXX XXXX. I have no consumer credit transactions with Spring Oaks Capital and did not give Spring Oaks Capital permission to contact me or anyone else about this alleged debt owed. On XX/XX/XXXX Spring Oaks Capital communicated to CRA 's of alleged debt and it impacted my XXXXedit score in a negative manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a federally protected consumer and I am aware this company is in violation of my rights please review the complaint attached.

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 2022-01-23 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I had several accounts with American Express back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform American Express of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with American Express and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true American Express fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of American Express, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with XXXX, XXXX, and XXXX XXXX several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I've had over 4 loans with Affirm since XXXX. XXXX, Affirm had website issues and was done after they resume service I then started having issue receiving text code to email. They corrected that and I was able to login ect ... My final loan, I had small issue saying unable to verify identity, that was the 2nd time it happened the 1st time ticket was escalated and resolved. I received and email message from Affirm stating suspicious activity contact to confirm identity. I contacted Affirm and explain to customer service 3 separate times and they each escalated a ticket. I did have a current loan out and there was no other activity on my account but the one open. 

Then an hour later I get an email that my account was closed and I contacted Affirm spoke with a supervisor and she placed me on hold several times I guess trying to review the account not sure and she came back to advise me it was closed and she was unable to reopen it. Affirm closed the account for no valid reason. I have had over 4 loans with Affirm and paid all loans off before the final date. 

They had no valid reason to close it, they could not correct their wrong and so they pass the buck to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: DISCOVER BANK
State: WI

Complaint narrative:
I have filed a complaint with CFPB, earlier ( Nos. XXXX & XXXX ) Upon the receipt of a letter, dated XX/XX/2022 from Discover Card Executive Office of Customer Advocacy requesting payments for unauthorized/unrecognized charges, I would like to upload additional documentation along with a copy of my letter to XXXX XXXX, XXXX Office of Customer Advocacy, Discover Card Corporation . As I have included details concerning several points worth of attention. Thanks. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted XXXX, XXXX, and Equifax regarding the exaggerated drop in my credit score as fraudulent. They continually drop my credit score drastically even if I pay off my balances, and due to the fact that " ONE '' credit card balance is over the limit they disregard other factors of my credit worthiness such as exceptional payment history. Balances are always incorrect by 2-3 months greatly affecting my credit worthiness over and over again.

They are currently using a formula that fraudulently basis a consumers credit worthiness because of " one '' account over-the-limit, or over 50 % and disregarding monthly paid balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: TX

Complaint narrative:
I am a federally protected consumer and I am aware that this company isnt following the regulations of the Fair Credit Reporting Act. Please review the attachments to see my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: TX

Complaint narrative:
I am a federally protected consumer and I am aware that this company is not abiding by the regulations of the fair credit reporting act. Please review the attachments.

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 2022-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had several accounts with XXXX XXXX back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform XXXX XXXX of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with XXXX XXXX and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true XXXX XXXX fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of XXXX XXXX, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with XXXX, XXXX, and Trans Union several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.

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 2022-01-23 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: NJ

Complaint narrative:
I had several accounts with XXXX XXXX back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform XXXX XXXX of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with XXXX XXXX and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true XXXX XXXX fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of XXXX XXXX, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with XXXX, Equifax, and XXXX XXXX several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had several accounts with XXXX XXXX back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform XXXX XXXX of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with XXXX XXXX and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true XXXX XXXX fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of XXXX XXXX, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with Experian, XXXX, and XXXX XXXX several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.

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 2022-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NJ

Complaint narrative:
XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Balance updated XX/XX/2022 This Account doesn't belong to please remove from my Consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
When a consumer demands an illegal act to be stopped by person or company then it should cease immediately! In Exhibit A NFCU, I DEMANDED NAVY FEDERAL CREDIT UNION ( NFCU ) TO PAY ME MY {$3700.00} and RESET BOTH OF MY OPEN-ENDED CREDIT PLAN FOR VIOLATING MY CONSUMER RIGHTS! NFCU stole money our of my bank account to pay themselves plus interest without my consent. WHO GOVERNS THIS THEIF ( NFCU )? NFCU uses deceptive forms to undermine consumers like me to pay an alleged debt that derived from my open-ended consumer plan. In Exhibit B NFCU even said they will report my information to the credit bureaus. THERE IS NO SUCH THING AS A CREDIT BUREAU only CREDIT REPORTING AGENCIES. NFCU attempt to trick me did not work and it should not be able to trick the CFPB. Navy Federal Credit Union Pay me my money, EXPEDITIOUSLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Social Finance, Inc.
State: VA

Complaint narrative:
I am in possession of a check that purports to indemnify Sofi Lending Corp in an amount of {$250000.00} against prior claims of the Internal Revenue Service ( " IRS '' ). 
It also contains an undertaking to provide information to the IRS. 


Offer ends XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
MERCHANTS & MEDICAL CREDIT CORPORATION INC AT XXXX XXXX XXXX XXXX, MI XXXX HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF {$98.00} THE COLLECTION HAS BEEN REPORTED AS A PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
We misplaced our Synchrony Bank PayPal Cashback Credit card and reported it missing on XX/XX/XXXX. The initial report of a lost card was apparently not recorded, as a follow-up call two weeks later revealed that the card had not been deactivated as we requested. Replacing the card took over a month. 

On XX/XX/XXXX, while we were still waiting for the replacement card, I attempted to transfer {$170.00} in rewards from the Synchrony account to my PayPal account, but the transfer never appeared in PayPal. 

Two online payment attempts for the XXXX statement were rejected. I spent hours on the phone with both PayPal and Synchrony customer service trying to resolve these issues and to make a phone payment for the XXXX statement. I was told by Synchrony that PayPal would be able to resolve the rewards transfer issue, but the PayPal representative ultimately transferred me back to Synchrony. 

I wrote to Synchrony on XX/XX/XXXX and again on XX/XX/XXXX explaining the issues that I had experienced but have still not heard anything back from them. The {$170.00} in rewards has still not been transferred to PayPal as attempted 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 explanation