vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX Credence Resource Management posted this XXXX XXXX collections for {$1000.00} to my credit reports. I immediately called them and eventually discovered they had the wrong person. They had SSN, residence address, contacts which were not associated with me. The address was in XXXX TX at an apartment. I have never been to, lived in, or been associated with XXXX TX. I disputed with all 3 bureaus and mailed back the affidavit sent by Credence validating I was not the account owner. By XX/XX/XXXX the collection was removed from all 3 bureaus. 

On XX/XX/XXXX XXXX XXXX posted this same collection to my credit reports. Clearly they purchased this debt from Credence and either weren't provided the file showing I was not the person associated with this account or a they are purposefully ignoring it. 

I also see that either Credence or XXXX XXXX has updated my address history on my credit reports to include the debtors address in XXXX TX, despite the fact I have never been there or been associated with that address. 

Reading the numerous complaints against both of these companies, it seems it is a common tactic to use personal information gathered from affidavits swearing the debt does not belong to the person to, to update and manufacture evidence of attribution. The fact that there are thousands of complaints against these companies and yet there appears to be absolutely no punitive action is beyond absurd. 

My wife and I are trying to close on our XXXX house, and this previously disposed invalid debt appearing the week of closing has jeopardized it not allowing us to close on the original contract. 

I request no more than the immediate removal for my credit reports as well as a side letter from XXXX confirming they have updated the file for their own use and any future owner of this debt they may decide to pass this on to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 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: MI

Complaint narrative:
I have contacted the reporting agencies for over a year now trying to fix my credit profile I see that my personal information is incorrect. Also there are accounts that have discrepancies with the other credit reporting agencies. I feel my letters just get ignored when i ask for help regarding these issues

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 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I made a dispute against XXXX ( moving and storage company ) for overcharging me and just charging my card without my consent, roughly {$6200.00} with Navy Federal Credit Union. XXXX had my credit card on file and would just charge it what ever they wanted to. They had all my worldly possessions in a XXXX unit so I couldn't cancel the credit card or they wouldn't give me my stuff back. The charges do not match the quote I was given by XXXX 
Last week the dispute was dropped by my bank Navy Federal and I was told XXXX produced documents proving I signed for the services so I asked for copies of the documents my bank was sent from XXXX I was sent via secure messaging a contract XXXX sent the bank. The problem is this contract is not singed by anyone and the bank accepted this as evidence that I agreed to the charges. A couple of days ago, per the fraud department customer service rep I asked to reopen this dispute and asked for an appeal because he even said this look fishy and I was sent a secure message by the bank refusing to reopen the case or appeal it. This is why I'm filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have repeatedly tried to work out my issues making payments with capital one but the refuse to provide a resolution for this situation. I need several months of assistance however capital one does this month-by-month thing so I can't get this resolved and I end up having to scrounge up money to make the payment or even worse im forced. For XXXX 's sake i sold my car last month just to be able to eat this this month I have contemplated XXXX at times and this is not helping my situation I mad eit clear I need 20-3 months But when you try to resolve this with them through the XXXX they have the audacity to say contact the customer service line I do that it goes to some place in XXXX they have no empathy they put me on and off hold I can't do this any longer But what makes this worst is that capital one actually placed hardship on me in the first place. They forced me to go out purchase a phone just so I could access my account online. My internet bill which now has a phone attached to it has gone up 50 dollars every single month because of this for gods sake youve caused me hardship fincially and they did nothing I'm at the point of frustration that this is going to take a lawsuit to get this resolved I'm tired of going through this no customer service n support center just a call center in XXXX what has to happen to get this resolved But I am tired of this just being told to call a customer service number I cant do this anymore im getting angry and I think if something isnt done then a lawsuit needs to happen im tired of dealing with capital one I am tired pof my payments going up every single month to the point where even if I have funds I cant make them if this doesn't change then something has to happen because I can not take this anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was charged twice by a merchant for {$39.00} each on XX/XX/2021 and XX/XX/2021 ( please see attached ). I contacted the merchant, and they agreed to credit me 1 ) {$39.00} and 2 ) {$38.00} and going forward they would just charge me {$1.00} a month. 

I contacted Chase Freedom Visa and placed the 2 charges of {$39.00} into dispute. Subsequently, I received a merchant credit of {$39.00}, and Chase Freedom provided a credit of {$38.00}. 

A few days ago, I received a letter from Chase Freedom informing me that they were reversing the {$38.00} credit, because I had received one credit of {$39.00} from the merchant. 

Chase Freedom mistakenly assumed that only one transaction was being refunded, when it fact, both the XX/XX/2021 and XX/XX/2021 transactions were being credited back : the XX/XX/2021 transaction was being credited back {$39.00}, and the XX/XX/2021 transaction was being credited back {$38.00}. 

I called Chase Freedom and was unable to re-secure the credit of {$38.00}. even though it is an error caused by Chase Freedom 's dispute department. 

Chase Freedom charged back the {$38.00} to my credit card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: RI

Complaint narrative:
I have disputed this debt multiple times. And it is just being sent to a different company to Collect money that I do not owe I have no recollection to the services provided by XXXX XXXX XXXX I have no idea what they were talking about and they are refusing to resolve this issue and give me a true bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
American Express has been contacted with over 6 phone calls with AMEX fraud department without any resolution since XXXX XXXX, 2022? 
- two AMEX tracking numbers of fraud without resolution from AMEX fraud department are ; XXXX and XXXX ; there have been at least two fraudulent AMEX cards issued in my name after original contact with AMEX ; WHY? 
- XXXX monitoring also later reported on XXXX XXXX another second new AMEX XXXX FALSELY issued to my name XXXX that is NOT mine... and even with subsequent reporting several times to AMEX without any action or resolution? WHY does AMEX NOT correct my account or contact me with any action or status after weeks? 
- additionally ; originally AMEX rep issued a different replacement credit card in my name on XXXX XXXX unknown to me and shipped to different address in NC... WHY? 
- Please note ; it took several AMEX fraud rep phone calls to get only one credit card cancelled ; but yet second fraudulent credit card still exists on my XXXX reporting ; WHY? 
- Please note ; AMEX in error actually cancelled my active credit card without my request or permission and a replacement card needed to be issued... 
- NO follow-up phone calls have been received even though requested from AMEX management or from any reps on FALSE reporting or fraud credit cards being issued by AMEX fraud department in my name ; WHY?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I'm not quiet sure what this debt is, I have no recollection of this company. My now late father had taken my information and open / used accounts I had before he passed. I am very confused why they can not figure this out with all of the cameras they have in various stores. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: GA

Complaint narrative:
I have been a consumer of Capital One Bank for years. On XX/XX/XXXX, I requested a credit limit increase from Capital One Bank. I received a letter from the company stating that I was denied an extension of my credit for reasons listed in the attached letter. 

According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
I joined XXXX in XXXX, and when I joined the membership, I was told that I could pause my membership at any point in time, because I had plans to travel frequently in the upcoming months. When I went back to pause my membership in XXXX, the person I talked to said that it was impossible to pause my membership and that I had to pay regardless of if I was using the gym or not during that time. When I told that person that the person that onboarded me into the membership told me that I could pause my membership and that it was part of my contract that I signed, he told me that that person that onboarded me no longer worked there and that I had to pay. I told them to cancel my membership and he said okay, we can do that. I asked if there was anything else I needed to do and he said no, and that it would be taken care of. I have been getting automated calls that I ignored due to scam likely numbers, and I just got a call from a debt collector saying that if I didn't pay XXXX XXXX XXXX they would send my information to a credit bureau and it would hurt my credit. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding with 12 XXXX XXXX XXXX  claimed I opened an account on XX/XX/2020, however I have no bank cards with XXXX XXXX XXXX  and did not open a card with them. A family member used my social to open a card. I contacted them and disputed however they claim it was not opened fraudulent when it was. My mother said she opened it with my social. Therefore it was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: OH

Complaint narrative:
I've had issues with Sallie Mae, which turned in to issues with Navient. There are so many problems, and I'm not sure if I should make multiple complaints or try to cover them in one. A big one is my ruined credit because they applied my payments to the wrong account. I've tried for years to fix this and they will not. They eventually put the money on the right accounts, but never fixed my credit report. 

I listened to them whenever I had problems making payments due to whatever was happening in my life. I assumed they knew what they were talking about. I was in and out of forbearance for years. 

Since XXXX College has closed, I have no access to my credits & employers can not verify my degree. This was a total waste of time & money, that I'll be paying for the rest of my life. 

This has all but ruined my life. I'm trying to buy a car now & will pay outrageous amounts due to my credit. I'll never be able to buy a house. I know I'm not the only person in this situation, but $ 90k in debt with nothing to show for it really hurts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have an account at Zales. I made a promotional purchase on XX/XX/XXXX for {$4000.00}. This promotional purchase was to include no interest if paid off by a certain time frame. I utilize paperless billing and I strictly only use the website to pay my bill each month. At the bottom of the Home page of the site, there is a section that shows promotional purchases and their date of expiration. On XX/XX/XXXX, I made a payment and I made sure to check the promotional purchase section to make sure that I did not have any promotional purchases expiring. It only showed 1 promotional purchase due to expire in XXXX of XXXX which was for a {$570.00} purchase on XX/XX/XXXX. I logged in yesterday, and to my surprise, they hit me with {$1700.00} fee for the promotional purchase back in XXXX of XXXX. I believe that Zales/Comenity PURPOSLEY removes promotional purchase expiration information the month prior to expiration so that the consumer misses the date. This is NOT something that I would miss, as I know to check it every time. I had thought that I had one coming due, but I figured it was paid off since it did not show. I wonder how many other consumers this happens to with them?! I contacted them immediately, and was treated with condescension. So now, I am requesting your assistance please! 
Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: DISCOVER BANK
State: VA

Complaint narrative:
The ledge account was open 2011 thaw is not my account I did not open this account with this company. I've as for the credit application numerous of times and the company still hasn't provide the information. I've sent dispute over with my driver license and other documents the company has ask for. I've sent over all the information the company requested from me to provide my identity. I can't provided any contract but the company has provided me with such documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in p
aragraph ( 1 ) ( A ).

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 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened the Amex card around XXXX, XXXX and used it on XX/XX/XXXX in the amount of {$10000.00}. Due to this charge, Amex requested for my tax information to verify income, which I had sent them many times in the beginning of XX/XX/XXXX. They kept saying that weren't receiving my information and loced my card, and still proceeded to charge me the Annual fee of {$690.00} and then charged me another fee of {$170.00} for Additional Card Holders fee. The balance came to {$11000.00} and minimum payment was {$10000.00}. 

I was sent a letter regarding the closer of my account to due " Failure to provide proof of income. '' In their account agreements, if the account is closed and it hasn't been 30 days since the fees were charged, Amex would refund ALL fees that were charged to the account. They only refunded the Annual fee of {$690.00} and did not refund the {$170.00} Additional Card Holders fee. 

I have paid the minimum payment of {$10000.00}, that was due on XX/XX/XXXX, on that date. The account balance had changed to {$130.00} after Amex had returned the {$690.00} Annual fee. There shouldn't be any balance left, and they should be owing me {$40.00} in cash. 

I have contacted them many times in XX/XX/XXXX, via online Chat and by phone. I can not remember when I called but I have online Chat history that started XX/XX/XXXX of my request for the return of the fees that were charged to my account. The agent says the fees will be refunded within XXXX hours. I've been checking for 7 days and there were still no FULL refund. I was still not refunded the {$170.00} Additional Card Holders fee. On XX/XX/XXXX I spoke to another agent who then told me that BOTH of the fees should have been refunded to me XXXX hours after the account had been cancelled. But there was only one fee of {$690.00} that was refunded. 

They sent a statement for XX/XX/XXXX, wanting me to pay {$130.00} by XX/XX/XXXX. I know what they are doing. They want my account to go past due for the amount of {$130.00}, then make charges to the account to add late fees and then put me on delinquent to mess up my credit score. I've read many reviews that this has happened to many people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Webcollex, LLC
State: CO

Complaint narrative:
On XX/XX/22 at XXXX AM, I received the following text message : " Please contact us today at XXXX or log on our website to manage your account https : //cksfin.com/s? t=l2zo. This is a message from a debt collector, any information obtained will be used for that purpose. Reply STOP to opt out ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
This company is illegally reaging accounts and continues to report an address on my credit that Ive never lived in called XXXX, OH.They are reporting a debt as of 2021 and the account was well before 2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation