vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.A.Rogers, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, consumer, hereby demand R.A. Rogers , Inc. to cease and desist all communications with me ( XXXX XXXX ) and I hereby demand R.A. Rogers , Inc. to comply with all requirements of Federal law 15 U.S. Code 1692g ( b ) - Validation of debts. In addition, Im aware R.A. Rogers , Inc. Is attempting to collect an alleged debt, R.A. Rogers , Inc. Be aware that your business practices may result R.A. Rogers , Inc . Fined and 20 years of imprisonment according to Federal law Title 18 U.S. Code 894 ( a ) - Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. with prejudice! 

XXXX XXXX ALL RIGHTS RESERVED UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
In attempts to get the deferral with my current loan figured out every time I called in to communicate with help in regards to my loan they would say if I didnt make a payment they would impact my credit. I did not make the mistake of doing the deferral wrong, I had one representative tell me that I was good till XXXX and the other representatives told me that I did not have a deferral for XXXX and that I had a past due that was going to impact my credit if I did not pay after I told them my financial circumstance. Also after I have been given false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CO

Complaint narrative:
I started with Sallie Mae in XX/XX/XXXX when I began school at The University of Colorado at XXXX XXXXXXXX. Since I started with Sallie Mae, the company has been nothing but predatorial. They declined a loan based on my financial information, but they turned around and said I qualified. 
Since I began attempting to repay my loans, I have continued to have ongoing problems. The amount on the website and that I can pay are never the same. When I pay, I will receive an email that my loan is not current. 
I receive phone calls and constant misinformation on what I owe. Sallie Mae will call multiple times a day and leave my voicemail box full even after I've cleared all voicemails. They say the easiest solution to paying my balance is to go through the website, but it will not allow me to make the minimum payment. They expect monthly payments, which are difficult for me with my current salary. When I try to contact the company, I experience wait times of up to 4 hours. When I reach a person, I get transferred to several different departments. Most times, the phone will be on hold and then go silent ; eventually, the call gets cut off. 
I was recently in contact with the company on XX/XX/XXXX. We enrolled my loans into a program where I would pay {$540.00} monthly for two years and lower my interest rate to 4 %. I gave them my debit card information to set up auto debit. My first payment was scheduled for XX/XX/XXXX. They failed to charge my account, putting my loan in further default. Predictably the company has been impossible to get in contact with and has now affected my credit score and has resulted in more harassing emails and phone calls. This company is impossible to deal with and continues to harass me and my co-signer. It is also highly frustrating that I am told different amounts due on my loan each time I contact an agent. 
My most recent loan was initially denied due to my previous debts and financial situation. A week later, I was contacted by the company saying that they had changed their mind and were willing to approve me for another loan. Their intent has been malicious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Amsher Collection Services, Inc.
State: WI

Complaint narrative:
A collection recently appeared on my credit report from AmSher Collection Service for {$140.00}. I was never notified of a collection attempt, informed of the name of the original creditor, or given the opportunity to dispute the debt. I have no knowledge of any outstanding debt, so I do not believe it is valid. However, even if there is a chance that this is valid debt, AmSher has acted in bad faith by reporting it to credit rating agencies without first doing their due diligence in informing me of a collection attempt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The spending and budgeting tool with Bank of American Itemized the deposits and withdrawal that come into my account for a year period. The cashflow for the time period can either be a surplus or shortfall. My 12 month period say I should be {$12000.00}. But I do not have that in my account. Please help me. I have been going over this with the Bank for 3 years now. Also when you click on the transaction and the merchant name you can change the name of the merchant so you do not know who the money is going to. Also you can change the category.

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 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
I filed a complaint when they wrongfully closed mt account with all my money in it. They told you they would issue me my money back for checking and credit builder and then followed up telling me theyd issue a check for {$1.00} and {$2500.00}. 

Now today they are saying it was only {$1.00} and they cant see the {$2500.00} anymore! Are you kidding me? They are stealing? This at that is HALF WHAT WAS OWED TO ME. They told me a deposit and returns that where made to that account almost {$2000.00} more!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is in violation of the following laws Section 604 15 U.S. Code 1681 B Section 605 A 15 U.S. Code 1681 C-1 Section 605 B 15 U.S. Code 1681 C-2 The below accounts are showing on my report and should be removed ASAP, XXXX XXXX for {$13000.00} XXXX XXXX  for {$1400.00} XXXX XXXX for {$2200.00}

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 2022-10-11 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: Titan Revenue Solutions
State: CA

Complaint narrative:
TITAN REVENUE IS MISTAKENLY REPORTING TO MY CREDIT. PLEASE SEE RECEIPT OF MY RETURNED EQUIPMENT FROM THE ORIGINAL CREDITOR " XXXX XXXX XXXXXXXX XXXX ''. PLEASE DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
A credit card through Kohl 's Department Store ( XXXX ) was fraudulently opened in my name on or about XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 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: KY

Complaint narrative:
I was approved for covid hardship assistance for my mortgage payments by Kentucky XXXX. Kentucky XXXX has paid my mortgage payments every month from XXXX of XXXX. My mortgage company has NOT be accurately reporting my payments from Kentucky XXXX  on time and has reported numerous late payments to my credit report which is 100 % inaccurate. Due to these mistakes my credit score has dropped significantly and I have multiple late payments on my credit report that need to be fixed and removed.

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 2022-10-11 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: FL

Complaint narrative:
The Credit Bureaus stated my account was properly investigated, but how is that possible if the open dates are different, the balances are different on each bureau, one shows closed, other open, and the dates are different, it recently reopen a loan from 2 years ago and more violations. This ground for removal they also violated my rights under : 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.

Also neither the bureaus or the company on dispute marked my account " under dispute '' as per FCRA 623 ( a ) ( 3 ) Account disputed : XXXX XXXX XXXX issues : Violations in my credit report. 

All violations have been circled.

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 2022-10-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The Credit Bureaus stated my account was properly investigated, but how is that possible if the open dates are different, the balances are different on each bureau, one shows closed, other open, and the dates are different, it recently reopen a loan from 2 years ago and more violations. This ground for removal they also violated my rights under : 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.

Also neither the bureaus or the company on dispute marked my account " under dispute '' as per FCRA 623 ( a ) ( 3 ) Account disputed : XXXX XXXX XXXX issues : Violations in my credit report. 

All violations have been circled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: SC

Complaint narrative:
This agency XXXX XXXX has been inaccurately reporting different balances to the credit bureaus as well as reporting themselves as an XXXX XXXXXXXX. This misleading information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.

all three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-10-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This agency XXXX XXXX has been inaccurately reporting different balances to the credit bureaus as well as reporting themselves as an XXXX XXXXXXXX. This misleading information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.

all three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I started disputing this information in XXXX regarding these two companies XXXX and macy company. I fill out every form the companies sent to me from the fraud department to a police report back in XXXX. Id also requested a copy of the applications that was submitted by me since this account was supposedly open in XXXX the company was still actively doing paper work for new account. I havent received a copy of the the request paperwork information regarding the credit application from the company. These account is showing a balance and a past due amount for many years this company continues to bully and harass me with this relentless negative information on my credit report which is affecting my family and personal lively hood to get good paying job and a decent place for me and family to live. This is a constant reminder of how the company treat XXXX and XXXX people who work hard and want a fair share in life.

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 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: TX

Complaint narrative:
I have received 3 cashapp debit cards for accounts I did not create. When I try to speak to a supervisor for help employees refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Someone opened up an account at Navy Federal Credit union on XX/XX/2022 in my name with all my personal information. I started receiving emails from Navy Federal and I was deleting them until I received one that says member to member transfer. So I called the bank and requested that someone stole my identity cause I do not have an account that this bank. The lady looked up all my information and stated it was identity theft. She told me that it will be reported aand closed and I needed to contact all 3 credit bureaus and Social Security Administration. The last email i received : You added a new Member-to-Member transfer recipient to your account. Now you can instantly send money to : Name : XXXX XXXX, I o not know that person and Please investigate this fraud. The lady stated thatbthe accoount would be closed and Investigated. So then on XX/XX/2022 I received an overdraft statement from Navy Federal due to the account being overdrfted by {$95.00}. Then XXXX XXXX XXXX Ireceived a bank statement. If this account was. Closed ad investigated last month why am I still receving all this information. So apparently its an inside raud job with Navy Federal Credit Union. Itried to contact Navyy Federal once again and gott no response from them. This is eallyy a serious matter and I need it to be investigate.

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 2022-10-11 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: PA

Complaint narrative:
Based On, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-10-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: CITIBANK, N.A.
State: MS

Complaint narrative:
I did a did a credit report with XXXX  and noticed it said i had a balance of {$9200.00} I have never had a credit card so this is wrong. 
It says i am an authorized user of a citibank creditcard that was opened in XXXX 
I was XXXX XXXX XXXX in XXXX 

I filed a dispute but they couldnt do anything apparently. 
I got a letter from citibank saying i needed the creditcard owner to remove me. I dont know how thats possible considering i have no idea who that person is.

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 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Glacier Bancorp Inc.
State: WA

Complaint narrative:
On XX/XX/2022 received text message stating, XXXXXXXX XXXX XXXX ( call XXXX Now! XXXX # ) # XXXX XXXXXXXX. ( Full phone number included in text. ) As soon as it was noted as fraud Mountain West Bank in XXXX XXXX, ID was notified and debit card was locked and canceled. The bank noted no fraudulent charges had been made on account.

Company response to consumer: Closed with explanation