vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reason to believe the account you are furnishing are Fraudulent and incomplete because a XXXX was filed with the company 's. According to the IRS form XXXX must be filed regardless of whether the debtor is required to report the debt as income. This make the status of this account inaccurate or incomplete and must be deleted from my consumer report. Income is not stated on any consumer report. 

Also its so many inconsistency with your reporting across the 3 consumer reporting agencies. I have Photos to prove it. it's been a few investigation all came back verified but no method of verification has been sent back to me as i requested.

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 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One uses a system that doesn't analyze your credit score, on time payments, history, or anything else associated with a good credit report to raise your credit limit. There system is very specific and was tested vigorously. I/People don't just use increases to spend more. Some of us use it as tools to improve dependability and scores. Capital One has denied since XXXX every attempt to raise limit. Never had a negative payment, thousands in bank accounts there and some of there most prestigious cards with childish limits. There system waits for you to use all available credit and then just throws you thousands more. The system is essentially a ploy to keep the less fortunate behind and to not give those finances to those who are financially savvy and responsible. To use an exact example, in XX/XX/XXXX I opened 2 cards. One Capital One and one XXXX XXXX, they both started at XXXX. On this day the XXXX card has XXXX available and the Capital One is still at XXXX. I opened a store card a year later that started with XXXX, in 6 months its over XXXX available. One of my highest limits is XXXX. This is a known issue online and I will definitely be canceling accounts and shelving cards until forced closure. I had much more in my bank account then in available credit across 2 cards with Capital One, meaning they're making money off my money and can't even give an amount close to what's in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a credit freeze on all credit agencies- Experian, XXXX, and XXXX. 
The latter make it very easy to remove the credit freeze from their web site. On the other hand, Experian does not have ANY information or link on their web site - i.e., my account - regarding how to remove the freeze. They DO market their XXXX feature that costs money without mentioning the FREE freeze feature. I had to literally call a Support person who separately sent me a link to remove the freeze. 

Being able to FREEZE your credit report is supposed to be a free feature - YET - Experian is trying to take advantage/hide this free service. That is not right.

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 2021-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX NAVIENT PMT {$0.00}???? 
XX/XX/XXXX NAVIENT PMT {$500.00} XX/XX/XXXX NAVIENT PMT {$1500.00} XX/XX/XXXX NAVIENT EBILL FOR {$1500.00} XX/XX/XXXX PURCHASE ON XXXX NAVIENT COMMERCIAL CARD XXXX FOR {$300.00} XX/XX/XXXX NAVIENT PMT SPE {$100.00} XX/XX/XXXX NAVIENT PMT XXXX XX/XX/XXXX NAVIENT PMT {$640.00} a total of {$4800.00} was taken out of my account without my concent i never authorized this charges or transactions whats really interesting is that these began a month after i thought i had settled the accounts but apperantly i now know that i only settled an already charged off account that loan was already sold and charge off on my credit report and they didnt tell me that instead they send me a letter from some lawyers saying they were going to sued me if i didnt sign that stipulation afraid of having a lien put on my house i panic and call them to make it go away and they told me it would clear all accounts i confirm after when i check my navient account and all XXXX loans had a XXXX balance well sure they had a XXXX balance but behind close doors they were taking money and not reporting it I NEVER RECEIVED A RECEIPT OR STATEMENT STATING HOW MUCH I PAID OR HOW MUCH WAS LEFT.. when i called to talk to someone about this i was welcome with a bad attitude and they even laugh at me when i told them i thought those loans were settled they laugh saying " please we are govenrment loans we never settle for less than the actual amount ''. ok i said then can you tell me how this payments were authorized cause i sure didnt do it. SHE STATED THAT I DID that i log in and i made those payments from the navient website really? i sent out a payment of XXXX cent? that to me looks like they were checking the account see if it worked and if i did made that payment where is my receipt? and why is there 3 different modes of payment notice there is a PMT AN EBILL an A PURCHASE under the description of the charges charges that i did not make nor did i authorize or anyone i know i think something else happend and they wont tell me anything they even ask me where i find this stuff that they could not see it ITS ON THE NAVIENT ACCOUNT MY ACCOUNT ALL DETILS ARE THERE even numbers that dont make sense like XXXX of my loan jumping from XXXX to XXXX after receiving a refund from the school how in the XXXX does that happen it was a refund not a charge me whatever you feel like it when you feel like it charge so frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. I have never had XXXX account in years and to be more specific I have never opened any account in years. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HEAD MERCANTILE CO., INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this SOS GROUP ( Original Creditor Name XX/XX/XXXXXXXX XXXX ) was reporting to be negative on XXXX Credit Bureau. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) Opened XXXX. XX/XX/XXXX Balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
usaa charged my personal loan and credit card debt off during the pandemic. around XXXX or XXXX of 2020 i fell behind all of my payments with them and due to my XXXX XXXX XXXX XXXX  from XXXX from being overseas in the XXXX i totally forgot to pay them. and plus i was unable to pay during the pandemic. come to find out, without my knowledge, everything was charged off and now it is hurting my credit. i am working out a payment plan with the debt collectors about this but i want USAA to remove my accounts from charge off or collections so that i can resume my regular payments again and get back on track. i am willing to work with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of 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 non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MO

Complaint narrative:
I applied to enroll at XXXXXXXX XXXX  XX/XX/16 and completed document submission on XX/XX/16. On XX/XX/16 they received theofficial transcript from my previous university. On XX/XX/16 I submitted the XXXX XXXX  Mastery Promissory Note ( MPN ) XXXX XX/XX/16 I received an email that said my payment was past due. I spoke with someone in the Financial Aid office and was told to disreard the email as i had just completed the MPN. Classes began on XXXXbut i was unable to attend or even begin the classes. Because of this I sent an email to my academic advisor about dropping and unenrollin. On XX/XX/16 I received an email from my academic advisor that said I could drop and unenroll because I had not participated by simply replying to the email. I replied to email on XX/XX/16 and was unenrolled and withdrawn from the course.On XX/XX/16 I received an email to complete the Student Loan Exit Counseling Request and completed it on that same day. Per the Department of Education the loan was closed with a XXXX balance. I never received any correspondence that there was outstanding debt until XX/XX/16 and the account was then sold to Ability Recovery Service ( ARS ) in the amount of {$6700.00}. ARS placed this debt on my credit report in the amount of {$8100.00}. I have requested a validation of this debt directly from ARS by certified letter including the MPN with my signature and they only send an itemized sattement of the classes totaling {$6700.00}. I have since learned that ARS is not registered in my state to collect debt. I have also disputed the item with the credit agencies and ARS keeps validating the debt with them. I am filing this formal complaint as this is not a valid debt and should not be reporting on my credit profile.

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 2021-11-17 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: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XX/XX/ of inquiry XX/XX/XXXXXX/XX/ of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Called PNC about closing bank account because I was automatically enrolled into their accounts through the acquisition with XXXX. They are charging a service fee ( which I did not agree to signing up for ) and now saying my account is overdrawn and are trying to charge my overdraft fees for a bank account I'm not even using! 

I have this all documented and receipts of my calls with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
I have been a customer for over 3 years with Chime and I have had nothing but positive things to say about the financial services Chime offered me. I have even recommended several people to them that have opened accounts with Chime. However, on XX/XX/16 they froze my account, an account that had over $ XXXX dollars in it. 
Since XXXX I made the decision to purchase a house and have been transferring funds over to my Chime account in preparations for closing day, which was ( XX/XX/16 ) yesterday, when my account was frozen. Because of their action against me, I was not able to continue with the purchase of my home. Which has left me and my family possibly homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 and XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a fraud claim this XX/XX/2021 when I found out that someone charged me {$1300.00}. I called the company before XX/XX/XXXX but I was on hold for more than an hour so i decided to call them the next day which I had to wait for another 2 hours. 

After 2 hours being on hold, I was finally got connected with someone and told them that the 3rd party charged my account with multiple transactions in different days totaling {$1300.00}. So, this company, canceled my previous card and issued a new one and created a fraud claim. 

And I was told that my account would be credit right away. After the phone call, i waited 1-2 business days but I didnt receive a provisional credit that the company promised. So i had to call them 5 days in a row but they were pointing fingers and that even though the claim was escalated, the customer service associates told me that their computer has the final decision if the claim get denied or not. 

Then, today, I checked my mobile bank and found out that my claim got denied without any reason. No calls, emails or text messages.

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