vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-24 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: CA

Complaint narrative:
ON XX/XX/XXXX I CONTACTED XXXX XXXXXXXX FOR ACCOUNTS THAT THEY REPORTED TO CREDIT BUREUS AS PRIOR COMPLAINT THEY BLOCKED AND REINSERTED THE ACCOUNT TO ME CREDIT SO PER CALL ON XX/XX/XXXX I TALKED TO XXXX XXXXXXXX FRAUD DEPARTMENT REPRESENTATIVE ON RECORDED AND MONITORED LINE SHE TOLD ME THAT ACCOUNTS ARE FRAUDULENT AND IM NOT RESPONSIBLE FOR THEM AND THEY SHOULD BE REMOVED FROM MY CREDIT REPORT THOSE TWO ACCOUNT XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This is with the XXXX XXXX XXXX arm of Comenity Bank. I established an interest-free account to pay-off dental bills. I foolishly failed to see monthly warnings that, if not paid in-full within 18 months, I'd be charged with deferred totaling {$1100.00}. I then discovered that the bank had been already charging me interest for months before that termination-date. I thus am apparently being double-billed for that deferred interest. 

I have written Comenity, but that have failed to respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX has collected and shared my personal information. XXXX XXXX XXXX has also unlawfully used identifing numbers such as the SSN whitch is unlawful use of a. Credit card. They do not have my consent to use or disclose any information about the XXXX XXXX XXXX. I have common law copyright and any variation of my name as well as a XXXX XXXX finance statement, hold harmless, indemnity agreement and payment Bond of file in their respective agencies. I am the Authorized Agent for the Corporate Fiction known as XXXX XXXX and withdrawal any and all contracts expressed or implied, presumed and or assumed.

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 2022-09-24 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: MO

Complaint narrative:
XXXX XXXX XXXX has collected and shared my personal information. XXXX XXXX XXXX has also unlawfully used identifing numbers such as the SSN whitch is unlawful use of a. Credit card. They do not have my consent to use or disclose any information about the XXXX XXXX XXXX. I have common law copyright and any variation of my name as well as a XXXX XXXX finance statement, hold harmless, indemnity agreement and payment Bond of file in their respective agencies. I am the Authorized Agent for the Corporate Fiction known as XXXX XXXX and withdrawal any and all contracts expressed or implied, presumed and or assumed.

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 2022-09-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XXXX of XXXX, I purchased/leased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due too unforseen factors i was not able to obtain insurance of the vehicle due to my driving record. I notified the lender and they held to the original agreement of provide insurance or one will be provided and added to the loan. Since owning the vehicle you the lender has now added in the area of {$7000.00} + of collateral damage fees. The loan is a 10 year loan. I will be eligible to insure and the end of they year of XXXX per my broker. I am a responsible borrower and i do not have any negative impacts on my report, they have tried to waive numerous tine with no success but continue to stack on ridiculously amounts of collateral chargers. 

I have even asked to waive all fees to allow me to get back to my i original balance so i can pay off and take my buisness else where but with no success on their end,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Genesis Credit Management has reported a {$660.00} debt they claim I owe to them.

I have never had any business dealings with Genesis Credit Management.

I have never purchased any goods or service, whether on cash or credit from Genesis Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am writing to request my loans and the actions of Navient be investigated for requiring payments and charging interest during the student loan freeze. Navient did not freeze my loans nor did they stop charging me interest throughout the entire pandemic. I emailed Navient during the summer of 2021 and asked why I was being charged interest and required to make payments. I also requested they remove the late/penalty fees they charged me while I was under the impression that I was not required to make student loan repayments. They told me my loans were not federal loans and did not qualify for the national student loan freeze and did not grant my request for a refund for the fees. When I checked on this website, I saw there were 4 loans listed ; 2 of them show 6.8 % interest and 2 show 0 % interest. I have been being charged 6.8 % and 3.3 % interest on each of the 4 loans listed by Navient. I also paid off other loans through Navient during the pandemic that I feel like I should not have had to pay, but was forced to. I request that an investigation be conducted into the handling of all my loans by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
they have two other address thats showing on my credit report that i never lived at before my only address should show XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I tried to open up a savings account at Chase Bank in XXXX, NJ on XX/XX/2022 with a personal check from XXXX XXXX  in the amount of {$1000.00} of which their personal banker agreed to accept and place into a savings account at Chase Bank. He told me that the bank would need to accept my application for the savings account but he didn't know when that would occur, but that I could view my account over the internet, and he did say that the personal check would take a few days to clear. I then filled out the necessary paperwork and provided him my driver 's license and social security number. A few days later I checked on my Chase App on my phone and the funds were in my account then I proceeded to close another account with XXXX XXXXXXXX XXXX and I received a XXXX XXXX for {$4500.00} instead of a Bank Check and on XX/XX/2022 which I also deposited into the same savings account at Chase Bank. This time I was told that due to reasons unknown to me or to the teller at Chase bank that the bank needed to hold the check until XX/XX/2022? So I agreed to wait, I then tried to access my savings account on the internet to see if this check was deposited on XX/XX/2022 and XX/XX/2022, but I couldn't find the deposit. So I reached back out to the bank and left my information to call me back about the disposition of my account. I was then contacted on XX/XX/2022 by the same personal banker who stated that my account was closed by the bank. I was told that information provided showed " suspicious behavior '' with my social security number and so the bank closed the account. I asked what they meant by " suspicious behavior '' and I was told that someone else 's name was on my social security number, but that they wouldn't disclose who this person had been or what was the issue. So they closed my account. I asked when am I going to receive my {$5500.00} dollars that was deposited into their bank? I was told that at some point the bank would mail me a check for the amount, but that I was told that I can't visit the bank to retrieve these funds owed personally. I'm concerned that both checks should have cleared by now and they should allow me to get my funding back and let me know who or what was the reason for closing my account. It just seems very suspicious behavior. I came to Chase Bank in good faith and I feel that the bank is not being transparent or giving me back my funds that they are holding XXXX? If there is fraudulent concern I would hope that they would contact the authorities instead of sweeping things under the rug, so I can go to another bank or back to my previous bank. I just feel like they are stalling for some reason? I'm worried that other consumers who maybe like me are dealing with similar concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I opened a Barclay cc in earlier XXXX and have the full amount paid in/on time ( billing cycle ends on XXXX and I paid in full on XXXX ). Yet they charged me late fee + interest for past few months which I just recently realized upon rejection on mortgage since early XXXX. Becuase of their abusive useage of the banking system, my persona credit dropped XXXX points recently which result my mortgage amount doubled in interest from an average of 3.87 % to the market price of 6.125 %. My mortgage principle is {$100000.00}. Due to the dropping credit score by abusive useage, my application was misdirected and delayed. As of now, the paid off total increased by {$100000.00} from {$200000.00} to {$300000.00}. Barclay shall be 100 % liable and responsbile for the difference.

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 2022-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
Mercantile Adjustment Bureau has reported a {$680.00} debt on my credit report that I do not owe to them.

I have never had any business dealings with Mercantile Adjustment Bureau. 

I have never purchased any goods or service, whether on cash or credit from Merchantile Adjustment Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: TX

Complaint narrative:
This complaint is to inform the CFPB that as of today, The Equifax 's e-Oscar web based automated system which enables data furnishers and the credit reporting agency to respond to consumer complaint has been unresponsive to my various requests and complaints. In regards to the following accounts ; The XXXX XXXX XXXX Partial account number XXXX The XXXX XXXX XXXX Partial account number XXXX XXXX XXXX. partial account number XXXX. 
Due to the remarkable amount of data breach with this particular consumer reporting agency ; I have found it very necessary to exercise my right under the XXXX XXXX XXXX XXXX. Which requires financial institutions of companies that offer financial products or services like loans, financial or investment advice or insurance to explain their information sharing practices to their costumers and safeguard sensitive data, The GLBA generally requires clear and conspicuous notice of information sharing, The law also states that a privacy notice must be provided when a costumer relationship is established. and costumers have the right to opt out and there have been no changes in previous policy notice. This company has failed in respecting my rights regardless of my complaints submitted on XX/XX/22 complaint number XXXX and my initial complaint on XX/XX/22 number XXXX,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
This is a repeat issue - CFPB complaint # XXXX Original issue : Multiple times I have electronically disputed a debt with CAPITAL ACCOUNTS regarding An account they clam to be " Account XXXX '' The most recent attempts were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The last two I took the step of uploading the credit card statement where I payed the Dentist they represent in person. Yet they have not removed or ask for any more info ( Don't know what the info would be since the Dr 's name is listed and it is the amount owed + some late fees )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX and XXXX XXXX signed a contract. We did read the contract everything seemed to be okay. We're weren't able to ask the finance XXXX to many questions. However I have became aware that I am a federally protected consumer under 15 usc 1601 ( TILA ). So furthermore the new knowledge I have applied when reading over my contract I have seen some inconspicuous things. Starting with 15 USC- finance charge the consumer credit contract gives a definition I wasn't fully aware of what the finance charge was suppose to entail. The US code tells consumers the finance charge '' The finance charge should be determined as the sum of all charges ''. And further states " The finance charge does not include charges type payable in a comparable cash transaction ''. New City Funding failed to perform by making this clear and conspicuous to me. According to " FINANCE CHARGE '' in the TILA disclosures in the " MOTOR VEHICLES RETAIL INSTALLATION SALES CONTRACT. The finance charge is XXXX but on my credit it was noted I owed XXXX. Also in 15 usc 1605 ( c ), charges or premiums for insurance, against loss of or damages to property or against liability arising out of ownership or use of property shall be included in a finance charge. Unless otherwise permitted. New City Funding consumer failed to make this disclosure to me as well as another violation I notice was 15 usc 1662 ( 2 ) regarding the advertisement of down-payments. I was told by mikes auto sales, New City Funding would not accept my credit application unless I had a down-payment. One more violation New City Funding Presented they threaten to garnish my wages seized property under FDCPA section 807 they do not have the right to do that and it is a XXXX fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  services Account # XXXX, XXXX XXXX XXXX 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 2022-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I closed this credit card account and they continued to charge me a maintenance fee, which lead to a late fee, and a missed payment on my credit report. I knew nothing about it until I get an alert on my credit report that I hav a missed payment. So now my credit dropped XXXX points and my 100 % on time payments have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anv purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: TX

Complaint narrative:
On XX/XX/2022, I filed a online dispute with Equifax and informed them of identity theft I have been a victim of. I disputed multiple items, please see attached, and supplely they investigated the issue, remind you less than 12 hours they have a final decision. This is XXXX, they did not investigate this. I am a victim of identify theft and the items on my credit i reported to Equifax I did not make

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-24 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I got a personal loan of {$3000.00} from Lendmark Financial on XX/XX/2020, I made payments on time for the most part or within the month, yet they still charge me a late fee, thats fine but they charge me interest as well, for a while the balance wasnt even going down, they keep harassing me by calling me the day after my due date to pay them if I dont pay them, they even call all of my emergency contacts. I also made a large payment and the balance significantly decreased, I made the mistake of missing some payments but resumed quickly. Then I noticed I was paying my loan for about 6 months and my balance wasnt going down. When I noticed they were charging me so much and my balance wasnt going down I asked them for a breakdown of the interest. They didnt want to give it to me in paper, when I called them they didnt answer me or get back to me, about a month later they called and told me over the phone that I owed like $ XXXX In interest for not paying for some months and all my payments were going to interest and not principal. Ive kept making payments and it seems like theyre still doing whatever theyve been doing because my balance barely goes down. I am just very confused with this loan, Ive never had this happen to me and I believe I am a victim of predatory lending. I cant seem to get below {$1300.00} now, I dont want to continue making payments because I feel I already paid this loan off a long time ago and theyre playing around with the numbers.

Company response to consumer: Closed with explanation