vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX : Complaint Regarding Misleading and False Information Reported by Credit Karma on the platform Dear Consumer Financial Protection Bureau, I am writing to formally express my concerns regarding the information reported by Credit Karma, which I believe to be misleading and potentially false. As a consumer who relies on accurate credit reporting to manage my financial health, I am troubled by my experiences with this platform. 

On XX/XX/year> Credit Karma displayed on there platform that my XXXX XXXXXXXX XXXX XXXX account was closed. That information is false and misleading. My credit card account on all 3 credit bureas is not closed. I'm uploading all 3 Credit Reports so you can see that it's false, misleading others as well. 

I understand that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and fairness of the information they report. However, my attempts to address this inaccuracy directly with Credit Karma have not yielded satisfactory results. 

I am concerned that such misleading information not only affects my creditworthiness but may also impact other consumers who rely on Credit Karma for their financial decisions. I urge the CFPB to investigate this matter and take appropriate action to ensure that Credit Karma complies with FCRA requirements. 

Thank you for your attention to this important issue. I look forward to your response and any guidance you can provide on how best to proceed. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services XXXX XXXX XXXX XXXX, XXXX, XXXX Subject : Debt Validation Request Under FDCPA Dear Credit Collection Services, I am writing to request validation of the debt you have contacted me about. Pursuant to 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : Proof of Debt : Please provide me with a detailed statement showing the amount of the debt, including an itemized account of all charges and payments made to the account. 
Assignment Contract : If you are not the original creditor, please provide me with the assignment or transfer contract showing that you have been legally assigned the right to collect this debt from the original creditor. This contract should include the original creditors name, the original account number, and the date of assignment. 
Verification of Debt : In accordance with 15 U.S. Code 1692c, please provide documentation that proves your authorization to collect on this debt.

Under 15 U.S. Code 1692g, you must cease all collection activities until you provide the requested validation and proof of your authority to collect this debt. 
Please respond to this request within 30 days from the date of this letter. If you fail to comply with this request, or if you continue to pursue collection activities without providing the required validation, I will consider this a violation of the FDCPA and will take appropriate action to protect my rights. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
My account was restricted after I made a deposit. I contacted them to see why this was done stating I really needed access to these funds. They have no helpline and only use chat or email. Each time I asked on live chat the agent would look my info up and then immediately say they cant help and that this must be followed up by a phone call or email. They never have called and have emailed but basisaunthe same thing they are still reviewing yet have no reason or most important no access to my funds its my understanding they cant hold funds for weeks or indefinitely especially without any good reason or disclosing the reasons at least. This has caused much more then the deposited amount in hardships and after they hang up on me each time on the chat and have no phone number to deal with the issue 30 days plus I believe is against policy and possibly illegal. Therefore I want immediate access to my funds and any damages that I may be Im entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I am writing to formally dispute the handling of my student loan payments by American Education Services ( AES ). I have been making consistent payments on my student loans for over ten years, including during my service as a XXXX XXXX XXXX XXXX. During this time, I have often paid more than the minimum monthly balance with the intention of reducing the principal amount of my loan. 

However, I recently discovered that AES has been applying all of my additional payments toward " advance interest '' instead of the principal balance. This was never disclosed to me at any point, and I only became aware of it after noticing that, despite my efforts to pay down the loan aggressively, the principal balance had barely decreased. Upon contacting AES, I was informed by a representative that the default process for applying extra payments is to allocate them toward advance interest unless I specifically called to request that they be applied to the principal. 

This practice has cost me thousands of dollars, as I have been under the impression that my extra payments were reducing the principal balance, thereby reducing the overall interest paid over the life of the loan. Had I been informed of this default process, I would have promptly instructed AES to apply all extra payments to the principal balance. 

As a borrower who has diligently worked to pay off this loan, even on a limited income as a volunteer and later as an employee in the non-profit sector, I find it unacceptable that this critical information was not disclosed to me. It is deeply frustrating to realize that, despite my best efforts, the loan balance has not reflected my payments as I intended. 

I am requesting a thorough review of my loan account and an adjustment to the balance to reflect the payments that should have been applied to the principal. I also request that any interest that accrued as a result of this misallocation be corrected. 

Please provide a detailed explanation of your findings and any corrective actions you will take. I expect a prompt resolution to this matter and look forward to your response within 30 days from the date of this letter. 

Thank you for your attention to this serious issue. I hope we can resolve this matter amicably and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have paid off the whole balance of the last monthly statement but they still charged interest.

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 2024-09-15 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: UT

Complaint narrative:
Violations of the Fair Credit Reporting Act ( FCRA ) in the credit report. 
I am filing a formal complaint due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). My credit report contains inaccurate and unverified information, which I have disputed with the credit agencies without receiving an adequate response. Below are the key violations under the FCRA that apply to my case : - **15 U.S.C. 1681b ( c ) : ** This provision regulates access to credit reports and stipulates that reports should only be shared with individuals or entities with a permissible purpose. In my report, inquiries have been made without my authorization.

- **15 U.S.C. 1681s-2 ( b ) : ** This establishes that information providers must correct and update any inaccurate information after receiving a dispute. In my case, the disputes have not been properly resolved, nor has the required verification been provided.

- **15 U.S.C. 1681e ( b ) : ** This law requires credit agencies to maintain maximum possible accuracy in credit reports. The negative information in my report remains unverified and is unfairly affecting my credit history. 

**Requested Solution : ** I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take the necessary actions to ensure that the inaccurate information on my credit report is corrected or removed. I demand that my consumer rights under the FCRA are respected, and that the mentioned violations are rectified as soon as possible.

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 2024-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo locked my account randomly and is refusing to let me take my balance out of close the account. No reason was given for why the account was locked, and Support was not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: WV

Complaint narrative:
I requested the IP addresses signed into my account since opening up they refuse to provide them stating its for security. Its my account. Im talking them them from my phone so Im curious as to why I can not see the past devices signed into my account. And why they refuse to give me that information due to discrepancies I had with XXXX XXXX  and XXXX XXXX current discrepancies I would appreciate a listing of the devices signed into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I check my credit report and found out that I was added as a authorized user for a navy federal card I never gave anyone no permission to use me as a authorize user. I called Navy Federal and they say that they need the person name to delete it, but I dont have the person name who added me on there account.

So please have them to Delete me off the Navy federal account. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC
State: NJ

Complaint narrative:
I closed my XXXX account on XXXX. My information including current address and current phone number were updated. I contacted them to ensure I paid any outstanding balance before closing. I looked at my credit report and score on XXXX and it had dropped XXXX points in a period of ten days because of a Collection notice from XXXX. I did not know who this was. I looked into it by researching on XXXX. It appeared XXXX had sent a debt I did not know about to XXXX without contacting me. I called XXXX customer service immediately and the rep said to go to the store the next day. I did. On XXXX, XXXX, the rep at the store showed me XXXX was referencing an old address and an old mobile number on file to contact me about a balance I was unaware of, and I was confused because I had already updated all that with XXXX when I closed my account on XXXX. He got customer service on the line, I paid the balance immediately in the store and I asked to have this debt and collection notice removed. I did not know who XXXX was. A letter dated XXXX arrived a few days AFTER by letter from a lawyer named Maury Cobb trying to collect the debt. I called XXXX ( listed on the credit report as the Collector ) and they said I had to call Maury Cobb. I don't understand what this debt was I the first place since I was told I had settled balances with XXXX when I closed my account but I have now paid the balance of {$200.00} directly with XXXX in-store . Now I can't get XXXX to remove the collection from my credit report. I also don't understand how {$200.00} can cause my credit score to plummet XXXX points in a period of ten days, especially because I was never contacted by XXXX about the balance between XXXX and XXXX ( when I discovered the collection ). I was never contacted by XXXX or Maury Cobb. This is predatory behavior. XXXX needs to be held accountable for how they mishandle outstanding balances, any collection notices and their practice of sending it to collections without notifying the Consumer when an account is closed. They punish Consumers for leaving XXXX. XXXX is renowned for selling phone number and personal information including email addresses to scammers, I frequently get junk email and spam phone calls because XXXX sold my information when I had accounts with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This Bank is continually advertising interest rates, Not paying as agreed, and ignore you when you complain. The Rates issue is as listed, and sent to Synchrony re IRA advertised APR will be 4.15 % They instead do the following, I have copied the complaint I sent to them. Consumers are always complaining when you have large dollars and thousands of customer, can you imagine how customers are being short changed continually. Copy of all is as listed sent to them on this issue, From : XXXX XXXX XXXX To : Synchrony Bank Customer Support Date : XX/XX/XXXX You will not today you clearly are paying a different interest rate than was contracted for, this needs to be resolved please. Account Number XXXXXXXX XXXX Routing Number : XXXX Current Balance {$170000.00} Maturity Date XX/XX/XXXX Term 36 Months Interest Paid YTD {$5400.00} Interest Rate 4.066 % Current APY* 4.14 % From : XXXX XXXX XXXX To : Synchrony Bank Customer Support Date : XX/XX/XXXX I am putting you on notice that I renewed my IRA with an advertised rate of 4.15 % as you are still advertising today. Please see below, you induction and your advertisement. Deposit Amount APY Interest Rate {$0.00} - {$24000.00} 4.15 % 4.06 % {$24000.00} - {$99000.00} 4.15 % 4.06 % {$99000.00} + 4.15 % 4.06 % I am now very dismayed to find the following statement as of today in my account. Interest APR will be 4.14 % This is not what I contracted for and is not acceptable. I have numerous statements where you advertise a particular Interest, and then pay people something else. Please advise.

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 2024-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
I was in a wreck in XXXX of 2024. I informed my loan company XXXX consumer that the other parties XXXX XXXX was not cooperating. 
I informed my loan angcy that the car was Undrivable. 
I then disputed the negative report that I revived. 
I also informed the XXXX consumer that I was not able to pay on the loan due to XXXX not cooperating. I also had XXXX coverage that was also unable to move forward due to XXXX XXXX not moving forward. I disputed the report due to the lack of XXXX XXXX not moving forward. 
XXXX did not assess the damages to my vehicle an left it at the tow yard. In the end not only did the vehicle become repossessed but I have also received a lot of emotional stress an damages due to this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act auto financing companies, 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.

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 2024-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not initiated any transaction with your COMPANY. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with yor company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: Embassy Loans
State: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. I have not initiated any transaction with your COMPANY. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with yor company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation