vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KP ASSET CONSULTING LLC
State: IA

Complaint narrative:
I got a voicemail from stating that " this is XXXX XXXX calling to schedule delivery of a legally required notice we received today call is to get 48 brief notification in regards to scheduling that way if you're working or do have anything going on you can reschedule to make sure you are home to sign for your paperwork and I will do as well reach of contact to the sender 's office where it is coming form that way if you do have any questions or concerns prior to anybody getting out to the home or any discrepancies with the timeframe set forth have to contact them to see if there's any options for rescheduling to be submitted at this time otherwise your going to have to make yourself available and all that number supported on the packet is XXXX this is gon na be your first notification. '' I called this number and was transferred to someone. While on the phone with him he told me that I was responsible for a debt. He sent me an email with an " invoice '' of the amount owed. He asked for me to make an arrangement and I told him that I was unable to do that until XX/XX/XXXX due to XXXX XXXX not being paid and a mistake with my paycheck. He then stated that they would require XXXX/month for 6 months to rectify this debt. When I said I could not do anything like that, he stated what can I do. I told him right now I can give him XXXX/mo until XXXX, he said that he had to inform me that I need to stop by my XXXX  on Monday because they will be sending information to them unless I can come up with something that would work. I said so {$25.00} wont work for right now, he said no and we have you on a recorded line so you can't tell a judge that we did not inform you of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I Consumer, XXXX XXXX extended credit to Navy Federal Credit Union ( NFCU ) entering into a consumer credit transaction through the extension of credit in accordance with the Truth in Lending Act. 

Upon review of my right and reports I submitted a dispute to the credit bureaus requesting the Navy Federal account listed on my consumer report that I provided in the attachments be removed in accordance with 15 USC 1681a ( 2 ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. 

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. 

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out. 

There is no law that states that anything has to be reported on my consumer report but there are multiple laws that state that the consumer has a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
BB & T, now Truist bank, has financed a loan for a vehicle in which has been deemed a total loss. The insurance company and I have been trying to obtain a guarantee of title to settle this claim, payoff the debt, and allow me the freedom to obtain another vehicle. This has been ongoing since XX/XX/2022. Neither of us have been successful. All of our phone calls, after extended holding periods of over 45 minutes, are unanswered, transfered, or disconnected. The insurance company and I have sent emails and fax as well as left multiple voicemails about this subject and all have been followed by no returned communication. It is now XX/XX/2022 and we have not had 1 form of communication. I also went into the XXXX XXXX branch in person and sat with a banker for 45 minutes as he was on hold with their internal services number. He was unsuccessful as well. I need this matter resolved 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 explanation
Consumer complaint received 2022-03-31 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: NY

Complaint narrative:
Sir/Ma'am : I am an XXXX XXXX in the XXXX stationed at XXXX XXXX XXXX XXXX I purchased an used XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. They also sold me auto service contract and XXXX insurance offered by their partners/associates. XXXX XXXX XXXX declared my car a total-loss in XX/XX/XXXX after I had an accident and paid {$12000.00} to the financing company ( XXXX XXXX XXXX XXXX XXXX XXXX and the remaining was paid by the XXXX insurance. For some reason this financing company either changed its name or has a partner with the name of XXXX XXXX XXXX and transferred my loan them. I tried contacting them several time to get my auto service contract amount that I never used, but they keep passing that to each other and still unsuccessful. Recently, I was trying to apply for a loan, and I found out that my credit report shows an unpaid balance {$3000.00} with XXXX XXXX XXXX. I called every single one of the above mentioned companies to solve this issue as it has ruined my credit, but none of them helped and told me that my account is closed with 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 2022-03-31 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX {$1800.00} Open balance, 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 2022-03-31 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX {$1800.00} Open balance, 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 non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX is reporting I owe them a balance, although they have yet to present a contract or any written documentation identifying terms or agreement that I agreed to. The business was with XXXX XXXX., but my report says XXXX XXXX. Makes no sense. How and where do you charge interest on a rent, this is not a mortgage and WHAT is the interest rate?? Nothing of this sort has been provided to me whatsoever. I want XXXX XXXX off my credit report, they are reporting to XXXX and Experian. If they can not provide written documentation with terms and conditions, explanation of interest being charged and why. Please remove. Help

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 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Opened Checking Accts ; @ XX/XX/2022. XXXX XXXX XXXX XXXX  XXXX XXXX account. Both accounts were approved for banking access & had been active since. Deposits, Transactions were being made without issues nor discrepancies. 

Bank sent letter to account holder in late XX/XX/2022 ; regarding address verification and XXXX documents to be presented at local branch banker. Account holder followed through and presented valid documents, state license with official address, social security card, & validated proper procedures as to the requirements made by banking institution. 

Banking institution claimed they sent second letter to account holder advising the same issue ; and if documents weren't submitted, the possibility of account closure would occur. 

Instead, account holder accounts were closed. Banker advised due to XXXX XXXX XXXX. Institution sent XXXXXXXX XXXX Check for the amount of the account balance. Accounts were closed on XX/XX/XXXX, without warning or reasons to which were addressed & managed by bank branch manager, who made it known, that everything was good and verified by account holder, and request had been resolved.

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 2022-03-31 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:
Equifax : needs to fix the issues about the inaccurate information for the personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the personal informations that I am disputing : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I have been a member of USAA for almost 28 years. Yesterday, on my pay day, my wife and I were paying bills when we were asked to verify a purchase we made. We verified the purchase more than once with USAA and XXXX and the purchase was still declined. I then called USAA to advise them that the purchase was not fraudulent. While I was on the phone with USAA, with no notice, my account was placed into a " credits only '' status. Because I have recently transitioned from XXXX XXXX to retirement we are still making adjustments for a paycheck every two weeks to once a month. As such at the beginning of every month I have to pay all my bills, buy groceries, purchase gas for the commute to work, etc. I haven't a single dollar to go to the grocery store to purchase food for my family. I have a family of XXXX and this is just not acceptable. Additionally, because I was never notified I could not stop any online or automatic payments for my auto loan, utilities, water, Internet, cell phone, TV, etc. Now, the vast majority of these companies are going to charge me a fee for having declined payments. When it is all said and done the {$300.00} verified purchase we tried to make is going to cost me well over {$300.00} in declined transaction fees from all of my various attempted payments. I am being penalized for doing nothing fraudulent. My wife, XXXX kids, and I are going to suffer for attempting to follow USAA 's own company 's protocol by verifying the attempted purchase was indeed not fraudulent. Additionally, after 4 phone calls, and more than 4 hours on the phone, no one can assist other than saying I will have to wait 3 business days for this to be resolved. This happened on Thursday which equates to 5 full days that my family and I will be without money, food, gas, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax had a XXXXard inquiry on my credit file on XX/XX/XXXX Hard Inquiry made by XXXX XXXX. This inquiry was not authorized by me and don't remember inquired anything from XXXX. 

Equifax had a XXXX inquiry on my credit file on XX/XX/XXXX Hard Inquiry made by XXXX XXXX. I was misinformed that This inquiry was not going to reflect on my Personal credit report, since it would be under ( XXXX ) Business account it would be a Soft pull on my personal report to verified my identity and hard pull on Business DUN number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NY

Complaint narrative:
They called me and we settled on an amount. I paid the amount over the phone. Now they keep reporting that we settled for a higher amount and I only paid partial amounts of the debt. They are doing fraud and messing up my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: ACRANET INC
State: MS

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over days and I havent received any investigation results.

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 2022-03-31 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:
In accordance with the Fair Credit Reporting Act XXXX  account # 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  Has violated my rights. 
15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C.1681 Section 604A 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 non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Unauthorized transaction of XXXX $ USD tried to get it canceled they told me to wait until its posted. It posted on my account and i filed a claim and it was denied tried multiple times to have this appealed nothing but a run around regarding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX is putting a derogatory decrease credit scores because I have been filing Federal Government complaints with Consumer Finance Burau and ADA Department of Justice. 
Experian, had my score at XXXX on XXXX XXXX and now it has been lowered to XXXX. 
I apply for a VA home loan with three lenders on XXXX, XXXX XXXX and my scores shouldn't have been decreased. 

Also I have XXXX balances as of XXXX XXXX on my credit cards 1, XXXX XXXX XXXX Credit Card # XXXX, 2XXXX XXXX XXXX Credit Card # XXXX 3. XXXX  XXXX XXXX Credit Card # XXXX 4.XXXX XXXXXXXX # XXXX balance {XXXX} My credit score with Experian should not be decrease because of Charge Off accounts of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX 

Experian is violations of Federal and State Laws and violations of my ADA Disability Act under Department of Justice. 
I am XXXX Lifetime and Retired and a XXXX XXXX XXXX XXXX Veteran.

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 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Okay so I bought something on XXXX, it came defective so I returned it, after one month of constantly calling XXXX they told me they would refund me ( I have the screenshot ) after that they closed my account and told me they wouldnt refund me (? ) So I tried disputing with my credit card company but they didnt help me either, actually I think they didnt even submit the right reason for dispute, because the reason to close the case against my favor was : confirmation showing no cancellation per policy was received So Im asking here to please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  # 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 2022-03-31 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  # 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 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 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I already went to court for this debt They excepted the courts offer.. But still put it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Mercedes Benz Financial Services
State: MS

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation