vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX  The Credit bureaus stated Account Name : XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Name : XXXX  XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit

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 2023-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I had a lease with XXXX XXXX and I sold it to buy a vehicle with XXXX dealership from XXXX FL. They sold me a vehicle and charged me a total amount for it of {$42000.00} on a car originally priced at XXXX. They added XXXX on top of the car which are not taxes. There was some additional services and protections that I added but I also ended up paying a market adjustment on top of that as well then they placed me on a 84 month term to bring my payment to {$630.00}. They never indicated that they were adding a market adjustment to my loan which is absurd and I honestly thing that is theft because they are charging me for something that I don't have t to pay. Because of this issue now I am XXXX over and I wanted to change my vehicle to a SUV and I can't because of this issue. This was not done with my knowledge or consent. They actually told me in another dealer that they scammed me which is so horrible to do and I don't even think that is legal to do.

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 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The beginning of this year some time after XXXX Bank Of America closed my account with out my consent. I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XX/XX/2023 in the amount of {$6000.00} should be refunded or credited to me the consumer. According to18 USC 8 all debts public and private is the obligation of The United States.

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 2023-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good morning, I write again in relation to my complaint number XXXX, I have not received a response yet, but I want to inform and leave in writing that on XXXX I received an email from XXXX, signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I responded to that email the same day and also called the number indicated in the same email to confirm receipt of it, however, I was answered by voice mailbox in which I left all my information including my phone number so they could call me back, again on Friday, XX/XX/XXXX, I called again and the answering machine dropped again and I have not yet received any response to the email in answer or to the calls. 

In the same day, Friday, XX/XX/XXXX, I wrote again to the encrypted email sent by the bank where I again indicated that the response indicated in that email regarding my claim was not going to be accepted, and that it required that they send me all the information about those operations, from which computer they were made, the codes sent to authorize them and the hours they were made, and even information about the recipients of those transfers. 

Once again, I appreciate all the support you can give me regarding my claim, since as I have indicated, these people took my lifesavings, and clearly these transactions do not have the characteristics of the usual transactions made by me, and that I would never have taken out that amount of money that way and leave my accounts practically without money without notifying the bank because it is practically having to close them. 

Thanks for your good offices, Best regards.

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 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Same scenario as my last complaint. All evidence attached. 

I used my reward points to redeem a flight. The full amount was charged to my credit card without the corresponding credit related to the points. My card was charged for the entire amount {$780.00} USD, no statement credit was issued. 

I contacted the customer service via the phone where they said there was a glitch in the system and the back office team would make the fix. ( CASE ID XXXX ). 

I contacted them again for a follow up and the agent could not locate the case and advise I called again at another time where the rewards team would be able to assist ( the work on limited hours only ). 

I have used this benefit twice only and both times the same " glitch '' in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/2023, I received a notice from my job about a garnishment from a collection agency for an outstanding XXXX XXXX XXXX XXXX for an address I never lived at and for a single-family home I never own or rented either. The address that was used to file the complaint against me was an address I used to live at 7 years ago. I never received a notice to come to court to dispute this matter whatsoever. They are taking 10 % out of my check every two weeks. The collection is for {$1900.00}. So far, they have taken {$630.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: NY

Complaint narrative:
In the month of XXXX, I have reach out to XXXX XXXX asking if we could defer my payment for this month due to health concerns and also the holidays. The customer representee granted me the deferment for more than the time needed. She had informed me that XXXX XXXX defer payments by 2 months instead of 1. During the duration of my loan I have never been late not once. The representee then mentions there will be one time additional fee added to monthly payment and gave me an option rather if I could pay at the particular moment or when my next bill would be due after the deferment of payments. I agreed to the one time additional fee and mention to the representee I will make the payment either before or day after. She then mentions there is a form I need to sign in order to start the deferment process and upon signing I must use a pin code to open the document. The document was signed and afterwards XXXX XXXX reports to the credit bureaus of the status of my account how my monthly payments were deferred. I then assumed then everything was taken care and I wont receive a late payment on my credit report. After XXXX XXXX noted on my credit report about the deferment of my payments, I then paid the one time fee XXXX because it was convenient to pay the fee now instead of paying my agreed monthly car note of {$500.00} and {$210.00} together at once despite given the option to pay the one time fee upon my due bill date. 
I contacted XXXX XXXX  after seeing the late payment on my credit report. The customer representee then noted on my account about the removal of the late payment however its still being reported 30 days later. I am in the process of buying a house and this reporting has lowered my credit score dramatically. I have followed all that was required of me and I shouldn't have gotten a reporting of a late payment based off what was told to me from the customer representative on the day of requesting deferment of payments.

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 2023-03-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In the month of XXXX, I have reach out to XXXX XXXX asking if we could defer my payment for this month due to health concerns and also the holidays. The customer representee granted me the deferment for more than the time needed. She had informed me that XXXX XXXX defer payments by 2 months instead of 1. During the duration of my loan I have never been late not once. The representee then mentions there will be one time additional fee added to monthly payment and gave me an option rather if I could pay at the particular moment or when my next bill would be due after the deferment of payments. I agreed to the one time additional fee and mention to the representee I will make the payment either before or day after. She then mentions there is a form I need to sign in order to start the deferment process and upon signing I must use a pin code to open the document. The document was signed and afterwards XXXX XXXX reports to the credit bureaus of the status of my account how my monthly payments were deferred. I then assumed then everything was taken care and I wont receive a late payment on my credit report. After XXXX XXXX noted on my credit report about the deferment of my payments, I then paid the one time fee XXXX because it was convenient to pay the fee now instead of paying my agreed monthly car note of {$500.00} and {$210.00} together at once despite given the option to pay the one time fee upon my due bill date. 
I contacted XXXX XXXX  after seeing the late payment on my credit report. The customer representee then noted on my account about the removal of the late payment however its still being reported 30 days later. I am in the process of buying a house and this reporting has lowered my credit score dramatically. I have followed all that was required of me and I shouldn't have gotten a reporting of a late payment based off what was told to me from the customer representative on the day of requesting deferment of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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:
In the month of XXXX, I have reach out to XXXX XXXX asking if we could defer my payment for this month due to health concerns and also the holidays. The customer representee granted me the deferment for more than the time needed. She had informed me that XXXX XXXX defer payments by 2 months instead of 1. During the duration of my loan I have never been late not once. The representee then mentions there will be one time additional fee added to monthly payment and gave me an option rather if I could pay at the particular moment or when my next bill would be due after the deferment of payments. I agreed to the one time additional fee and mention to the representee I will make the payment either before or day after. She then mentions there is a form I need to sign in order to start the deferment process and upon signing I must use a pin code to open the document. The document was signed and afterwards XXXX XXXX reports to the credit bureaus of the status of my account how my monthly payments were deferred. I then assumed then everything was taken care and I wont receive a late payment on my credit report. After XXXX XXXX noted on my credit report about the deferment of my payments, I then paid the one time fee XXXX because it was convenient to pay the fee now instead of paying my agreed monthly car note of {$500.00} and {$210.00} together at once despite given the option to pay the one time fee upon my due bill date. 
I contacted XXXX XXXX  after seeing the late payment on my credit report. The customer representee then noted on my account about the removal of the late payment however its still being reported 30 days later. I am in the process of buying a house and this reporting has lowered my credit score dramatically. I have followed all that was required of me and I shouldn't have gotten a reporting of a late payment based off what was told to me from the customer representative on the day of requesting deferment of payments.

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 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX says I opened some account for XXXX dollars on XX/XX/22. Ive XXXX XXXX XXXX for 10 years I never opened any account with XXXX. Im confused as to where this is coming from and I disputed the collection. But it came back the infor was accurate which is 100 % false so I would like this looked into further because I am totally getting scammed on whatever this collection could be considering {$6100.00} dollars for any mobile or any cable is just absurd and definitely was never agreed soon by me. I would like to see what copy or contract they are claiming I signed stating or agreeing to 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 2023-03-06 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: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
I have a Federal Perkins loan from XXXX XXXX XXXX XXXX  ( Account XXXX XXXX ), which was serviced by XXXX ( XXXX XXXX account is- XXXX XXXX XXXX XXXX XXXX XXXX In my Federal Student Account the Perkins loan is showing a balance of {$270.00} which is currently being reported incorrectly. The balance of the loan is actually {$0.00} and was paid off in XXXX. The loan is also being reported incorrectly to credit agencies, as a balance of {$270.00} when it should be reported with {$0.00} balance and paid. Please see the payoff letter from the XXXX XXXX XXXX below. 

I have contacted the servicer ( XXXX  ) multiple times and asked them report this Perkins as paid in full and owing {$0.00}. This Perkins loan  has been paid off since XXXX and XXXX has incorrectly been reporting a balance owed from XXXX present day XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX. 
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Account charged off. {$670.00} written off. {$940.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$540.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$330.00} XXXX XXXX account. {$330.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2100.00} XXXX XXXX account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} XXXX XXXX account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$650.00} XXXX XXXX account. {$6.00} XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$790.00} Status Account charged off. {$790.00} written off. {$790.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. 

FCRA violations : payments never late XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names 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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX. 
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Account charged off. {$670.00} written off. {$940.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$540.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$330.00} XXXX XXXX account. {$330.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2100.00} XXXX XXXX account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} XXXX XXXX account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$650.00} XXXX XXXX account. {$6.00} XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged offXXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$790.00} Status Account charged off. {$790.00} written off. {$790.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
The last correspondence with CFPB. Navient stated they had no control over the situation until they got word from FAFSA. 

I was sent a letter from FAFSA on XX/XX/22, stating that the Borrower Defense Loan was discharged. And Navient would notify me of this notification and refund me of any payments made to them. 

Thus far, Navient hasn't reached out to me via email or portal to inform about this letter. But are still aggressively trying to collect payments via marketing options.

Company response to consumer: Closed with explanation