vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am writing in because I have been XXXX XXXX XXXX  since XXXX. I applied for my American Express Platinum card I believe in XXXX. I was approved, for my occupation I put XXXX XXXX. That same time I called to have it verified that I was XXXX XXXX. 
In XXXX I applied for the XXXX XXXX card. Then I was told I will need to apply to have XXXX attached to my cards account. The XXXX was approved and attached to the XXXX XXXX card, however, I then tried to make sure my Platinum card was verified, it was not verified. I than applied to have SCRA/MLA applied XXXX XXXX separate occasions. In XX/XX/XXXX I applied and was told my requested was not submitted because they could not verify I was XXXX XXXX. I resubmitted the application in XX/XX/XXXX XXXX and again in XX/XX/XXXX XXXX both were denied. One of the reasons I was told over the phone is that I was denied because it took longer than a year to apply for SCRA/MLA . How is it possible to justify that a member who has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  years can be told they dont qualify. I have provided orders, Leave and Earning statements as well as my MLA certification letter. During this time I have been charged 40 % in interest on my American Express Platinum and the annual fee of {$690.00}.

I have spent over a year trying to only get my SCRA or MLA benefit added to my card and i just continue to receive the run a round from American Express. I just need help. 
How can American Express market that they are XXXX  friendly and this is what I have been going through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Our vehicle was repossessed on Wednesday XX/XX/XXXX. Initially we were told to pay {$1800.00} to get the vehicle released. Talked to someone else who said XXXX. Talked to someone else who said {$1200.00} after talking to a supervisor. We made a payment of {$630.00} and a payment of {$600.00} all in the same day. Thursday XX/XX/XXXX we called in the morning to see if our vehicle was approved to be released and they said to call back at XXXX for confirmation. We called back at XXXX and they said the XXXX made a note in the account to pay another {$1000.00}. Come Friday XX/XX/XXXX we did not pay the {$1000.00} but the company said our vehicle was aporoved for release and we had XXXX business days to get our vehicle. We made an appointment with the company to get it released. Monday XX/XX/XXXX the repo company stated they have not recieved a release letter. We call XXXX XXXX to tell them and upon that they stated we needed to pay another {$75.00} to get the vehicle released and also our vehicle was moved to auto auction. After speaking to someone else with XXXX they then stated we actually needed to pay another {$370.00} in repo fees to get the vehicle approved for release but they cant send us any confirmation that if we pay the {$370.00} that our vehicle will be released to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: American Credit Acceptance, LLC
State: AL

Complaint narrative:
XXXX mailed XX/XX/2023 requesting copies of any documentation bearing my signature authorizing the below inquiries along with contract bearing my signature showing that I gave them permission to furnish any information on my creditor report. 

AMERICREDI XX/XX/2023 XXXX AMERICANCR XX/XX/2023 XXXX the company NEVER RESPONDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: TN

Complaint narrative:
This was sent regarding multiple accounts My request was as follows : Hi, please provide a XXXX The original contract between myself and XXXX  The original contract between myself and January Technologies The FULL ORIGINAL account number The privacy document signed by me with the original creditor allowing January Technologies or yourself access to my personal data Proof of the accuracy of the portfolio complete with my full name Proof of Purchase of the portfolio from the original creditor Proof that the Assignment of Debt rules have been followed Proof of how January Technologies, XXXX, and XXXX XXXX XXXX  arrived at their respective alleged amounts owed.

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 



If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 



If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 



If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 



Tell me when the creditor claims this debt became due and when it became delinquent. 



Identify the date of the last payment made on this account. 

Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 



If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 






I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Forest Recovery Services LLC
State: NY

Complaint narrative:
I needed to apply for a credit card for my new job. I went to check my credit score to find a card that would work with my score. I saw two addresses that were not mine, and then I saw three collections that were not mine as well. I called the collection agencies, and they told me to get an FTC ID Theft Report. While trying to do that, I was directed to this site. There are three collections : the utility-water bill, the utility-energy bill, and the XXXXXXXX cable bill. I called the collection companies on Saturday, XX/XX/2024, and left voice messages ; no one answered. I reached out to them again on Wednesday, XX/XX/2024, and they told me to file an FTC report, which brought me here. XXXX XXXX : {$1100.00} and {$520.00} XXXX  XXXX XXXX : {$1900.00} XXXX XXXX XXXX {$1800.00} FOREST RECOVERY SERVIC Original creditor : XXXX XXXX XXXX - XXXX Balance details 0 % paid off Balance {$1900.00} Balance updated XXXX XXXX, 2024 Original balance {$1900.00} Account info Account number XXXX Date opened XX/XX/2024 Account type Collection Status Collection account. {$1900.00} past due as of XXXX 2024. 
Status updated XX/XX/2024 Payment summary XXXX  XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Name FOREST RECOVERY SERVIC Address XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: T.S. Holdings
State: CA

Complaint narrative:
There is a COLLECTION ACCOUNT IN DEBT ANOUNT {$10000.00}. From this company.that does NOT belong to me... I have filed a DIRECT DISPUTE via XXXX priority mail. Letting them know I've been a victim of identity theft. I never lived in XXXX. The address on this account has NEVER BEEN REPORTED AS RESIDENCE ADDRESSES ON ANY OF MY CREDIT FILE. A POLICE REPORT HAS BEEN FILED ON THIS MATTER. I contacted this agency this morning to discuss that matter and was threatened by there customer service representative. XXXX XXXX and XXXX XXXX whom will answer the phone when I contacted the office at XXXX. I want this account deleted IMMEDIATELY IT WAS OPEN FRAUDULENTLY. I wrote them directly XX/XX/year> and return receipt come back to me signed by XXXX in office. XX/XX/year> I also mailed another direct dispute letter via XXXX. XXXX. Please view attachments. I also mailed XXXX direct dispute on XX/XX/year>. Yet they are claiming they have yet to receive my letter. Which is a lie! Please review evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Novo Platform Inc.
State: TX

Complaint narrative:
Novo.co ( XXXX XXXX XXXX ) uses XXXX XXXX as the actual bank to receive wire transfers. I typically get paid from my client the same amount every month. My client sent me the wire transfer confirmation from their side and I've shared this with Novo, but Novo still has not processed the funds and it's been over a week. It's a large sum of money and I've repeatedly ask for escalation and status updates ( and have received nothing from Novo ) and why I'm escalating with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see the attached dispute letter that was sent XX/XX/2024 which is dated, and time stamped addressing 2 accounts that are reporting inaccurately. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). Experian and XXXX are reporting different dates for the date last active for XXXX XXXX XXXXXXXX. They were notified of this in the letter attached. I contacted the creditor, and they stated that the account was not verified, and all information being reported should be consistent which it is not. XXXXXXXX XXXX XXXXXXXX which is being reported by XXXX and XXXX is not accurately reporting. There are different balances being reported with a discrepancy of {$1.00} and the date last active is also inconsistent. The original creditor informed me that there is no balance of this amount, so I am confused why this information is being furnished. Due to non-compliance and obvious FCRA violations I am requesting that the aforementioned account are removed from my credit report.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Due to the Privacy Act of 1974 The laws I will post represent the Inquirys that must be removed immediately!! 
From all XXXX credit profiles XXXX XXXX Transunion you can see that the XXXX dont match up So here are the laws! 


Hard Inquiries ( 15 U.S. Code 1602p ) from all 3 Late Payments ( 15 U.S. Code 1666b ) from all 3 Charge Off 's ( 15 U.S. Code 1601 ) means certificate of in debitness that means money So I need all these that are charged off to say paid as agreed Repossessions ( 15 U.S. Code 1601 ) I also see yall still have non mailable address on there they must be removed!!!

All this must be removed my credit should not have any inquirys or anything old on my credit that hurts it Also will send law suit if its not handled they owe me for all the times I got denied!

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 2024-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
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 We had minimal interactions with the driver, we did not ask him to 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. He just automatically did it and then left. 

Shortly after that, XXXX charged my account for a " lift gate '' charge of XXXX. This was a delivery that had nothing to do with my account number at all since it was the freight was provided at no charge to us by our vendor as part of the purchase. We did not ask the XXXX driver to use that liftgate and he did not ask us if we wanted him to. It wouldn't have mattered to us how he got the goods off of the truck. He just knew the most expeditious way was to offload using his liftgate ( which is part of his truck ) and so that's what he did. I didn't authorize any expensive charge like this and I never would have. I have been telling XXXX this via XXXX mail, email, and phone calls for the past several months, which isn't easy since you can NEVER talk to anyone in authority at the company. I Can't even get in contact with an actual human being. Last week, I sent a letter to their Senior management trying to get SOMEONE to resolve this.

Now they have hired this collection agency ( Receivables Management Services ) who call me office every day and sent us a demand letter for {$1600.00}. This is for the XXXX charge plus their " fee '' of XXXX. I called that company and explained this situation on XX/XX/XXXX and today ( XX/XX/XXXX ) when I arrived at work there was another harassing message left on our answering machine from 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 2024-04-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: CA

Complaint narrative:
I recently pulled my credit report and noticed some unauthorized inquiries that cost me a denial for credit.

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 2024-04-29 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: FC HoldCo LLC
State: AL

Complaint narrative:
Letter sent XX/XX/year> for no permissible purpose for the below FLAGSHIP CRE XX/XX/year> XXXX The company has not gotten my direct verbal or written permission to report to a non affiliated third party. I sent them a letter requesting info and they did not provide the info i was asking for

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 2024-04-29 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: TX

Complaint narrative:
In my profile there were some hard inquiries that are not mine.

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 2024-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.

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 2024-04-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.

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 2024-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I did not know that the XXXX XXXX XXXX that XXXX XXXXXXXX XXXX and Sallie Mae put me in was loans. I did not receive any paperwork for a year past entering the program. Once I receive the paperwork, I found they were XXXX XXXX XXXX not program. Had I known I would not have done them. For I had no income and still do not have an income. 
I withdrew from the school after I found that I was being frauded for money and they were never going to let me have a degree. 
Navient took over the loans from Sallie Mae. 
I filed bankruptcy and Navient would not work with Indiana court. Now, I still can not pay on the private student loans. Navient has placed them under a bad debt status and wrote them to collection agencies. Navient is still running a charge on their website to me. 
All my federal student loans at Navient and XXXX have been discharged with Borrower Defense Case Under Exhibit XXXX  of the XXXX XXXX XXXX XXXX I am left with the private loans that I have no money to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My information was disclosed to a third party without my permissible purpose! 
As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!

Company response to consumer: Closed with monetary relief