vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Robert W. Warner & Associates, P.C.
State: MI

Complaint narrative:
RMF Asset Management , LLC is debt collector, who filed a lawsuit against me on XX/XX/2022, I first found out of this lawsuit in XX/XX/2022 after being served with a summons and complaint. I never received from the debt collector a validation letter, that would state the amount of the debt, that I could dispute the debt or who the original creditor was, as required pursuant to 1692g of the FDCPA. I responded to the lawsuit filed against me on XX/XX/2022 and the case is now in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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:
I was in communication with XXXX Bank attorney XXXX XXXX and XXXX XXXX XXXX on XXXX XXXX XXXX in regards of an account ( XXXX ) that is still on my consumer profile. 

I reached out and explained that XXXX Bank is breaking the XXXX XXXX XXXX XXXX  ) and stated what laws were being broken on my consumer profile. We had a conversation regarding the account and ultimately XXXX the attorney came to a decision to settle for a payment of {$500.00}. 

I will attach the screen shots of the emails of the conversations. 

I stated that I would be willing to settle to if they would agree to remove the negative account that is violating my consumer rights. 

XXXX came back and stated that XXXX Bank is unwilling to delete/remove the account and then offered {$250.00} more ( {$750.00} ) to " resolve '' my concern. 

XXXX Bank has attorneys representing their company that are knowingly breaking the law. I would like for this to be on record that I attempted to resolve this with XXXX  bank and attorneys. 

I have reported the issue I am having with XXXX Bank with my Attorney XXXX XXXX as well and I would like for this to be removed from my credit profile immediately as it is and has been XXXX XXXX XXXX effecting my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I used my Capital One Ventura Credit Card in XXXX XXXX  or XXXX XXXX  XX/XX/XXXX. The APR was XXXX XXXX  The very next month the APR went to XXXX XXXX. They hiked the APR on the card when I put {$2500.00} on it, the most ever used so they could get the most profit, but if I " hadn't '' used the card the APR would still be XXXX XXXX  Why couldn't they communicate to me about the APR increase that way I would just pay cash for the purchase. I have paid {$400.00} beginning in XXXX, and only {$70.00} has gone toward the account as of XX/XX/XXXX. Then they charged interest on the XXXX XXXX yearly membership fee. 
Over {$56.00} interest each month from the {$100.00} payments I made since XX/XX/XXXX. When I asked they said that my APR can be raised at any point, ok why wasn't that communicated, I asked does it make it ok to have my account credited for only {$70.00} when I have paid {$400.00}, which I pay on time each month. This is basically giving money away to them when I thought I was paying my bill down enough to pay it off. The lady told me if I didn't want to pay interest to just pay it off. I told her that the reason for having a credit card was to pay for it monthly and see the results of my monthly payments. I asked her did she think it was fair to raise the APR just because I used the card without telling me because if they had I wouldn't have put that much on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a student loan with Navient. Reviewing my account for the last year, they have not accounted for more than 6 payments I made in XXXX. I sent them bank records showing proof of payments and they only corrected XXXX XXXX XXXX months, but have failed to give me credit for most of the payments i made in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have made so many attempts to try to get capital one to work with me through my struggles with Covid-19. I have now had it three times in the last two years. I have suffered a severe hardship. I am working with state assistance to help with my home and my family is helping my cope with the healing and bills where they can. I just got another alarming phone call where there was a threat to harassment in phone calls and ruining my credit if I did not come up with XXXX right now. I only asked to please lower my interest and lower the amount to something I could work with like {$100.00}. I could at least sell something in my home online to pay this amount. But with 29.99 % interest Ill never stop drowning and thats all covid feels like. Capital one has been so mean and angry with me. It seems like they could reach out and be heros with those suffering covid! We never asked for this and could die and then they would never get the money. At least Im trying. Im trying to keep a roof over my head. Show some kindness please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: CA

Complaint narrative:
Clearly Harassment and emotional XXXX. This has been going on for years. I went back, I have been dealing with this for years the last time they contacted me AGAIN XXXX, XXXX on and on and on. The statue of limitations is over. This was closed and then taken of my credit report. This is truly sad. They have nothing but, harass people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I financed a vehicle XX/XX/XXXX purchase price of approximately $ XXXX, today XX/XX/XXXX when asking for a payoff amount they are telling me its approximately {$26000.00}, which doesnt make sense since my payments are {$650.00} total paid to date {$7800.00}. While attempting to use car as a trade in to get newer vehicle car lots are having issues because they are saying the payout isnt correct since to date with pay off would be approximately $ XXXX more than what the vehicle was sold for. Im not understanding why the payout is more than the purchase price when I have paid close to $ XXXX this last year. Please help. Exeter claims thats correct however 3 different dealership wont touch the loan or transfer until its corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
final notice The information listed below are inaccurate and incomplete. The presence of these information on my credit report is damaging me and defaming my character and must be removed. I respectfully ask that these accounts be and removed from my file and blocked for the final time. 

My name is XXXX XXXX XXXX XXXX and this is the only name i want on my credit report, Kindly delete the following names below XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX My Address is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, Kindly delete the following addresses XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Find attached my Id card and ssn card as proof. 

I have informed you by mail and its passed 30 days, i here by give you 15 more days to delete this inaccurate information off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
final notice The information listed below are inaccurate and incomplete. The presence of these information on my credit report is damaging me and defaming my character and must be removed. I respectfully ask that these accounts be and removed from my file and blocked for the final time. 

My name is XXXX XXXX XXXX XXXX and this is the only name i want on my credit report, Kindly delete the following names below XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX My Address is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, Kindly delete the following addresses XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Find attached my Id card and ssn card as proof. 

I have informed you by mail and its passed 30 days, i here by give you 15 more days to delete this inaccurate information off my credit file.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have unrecognized debts that i didnt do or authorize. so i dont know what i need to do to prove or fix this!

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 2023-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I attempted to retrieve my 1099 Tax Forms from Coinbase however their systems refuse to allow me access to the forms. Their systems are demanding I donate the last of my crypto holdings however there seems to be no other way to access the required tax forms. 

I attempted to go through their live chat and their phone support however there seems to be no resolution available from these agents other than generic canned responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, Equifax, and XXXX have failed to provide any proof at all of validation of the accounts below according to federal consumer laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX, and Experian have failed to provide any proof at all of validation of the accounts below according to federal consumer laws. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-05 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: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-05 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: MI

Complaint narrative:
Filed a dispute through XXXX XXXX which was partnered with Transunion. It was an account I was not aware of on my credit & I disputed that item. They have defaulted & have not honored the FCRA 30 Day rule which in turn they have to delete & remove that disputed item in question. Please enforce this. I have the date of when the dispute was submitted & evidence from XXXX XXXX of the submission & when they are supposed to be done.

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 2023-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Zions Debt Holdings
State: CA

Complaint narrative:
XX/XX/2023 I was I notified by my Identity Theft protection company that there was an alert placed on my Transaction credit report attempting to collect a debt. This company never notified me by mail of this debt. I am not sure how this company obtained my personal credit information not to mention my name or social security number. I have never heard of this company nor have I ever done business with this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: LEXISNEXIS
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation