vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Regional Management Corporation
State: TX

Complaint narrative:
ON XX/XX/2021 XXXX XXXX RAN MY CREDIT WITHOUT MY PERMISSION PLEASE REMOVE THIS INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: MI

Complaint narrative:
I have never given written consent to any company to furnish a consumer report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX RAN MY CREIT WITHOUT MY PERMISSION AND I NEED THIS DELETED OFF MY CREDIT REPORT THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 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:
Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO EXPERIAN THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with XXXX XXXX, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX XXXX delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX and XXXX directing them to REMOVE this erroneous entry as well. 

XXXX XXXX XXXX XXXX XXXX. XXXX VA. XXXX XXXX {$1500.00} Acct no. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX VA. XXXX Balance {$1600.00} Acct no. 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 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Med-1 Solutions, LLC
State: TX

Complaint narrative:
ON XX/XX/2021 XXXX XXXX XXXX XXXXXXXX RAN MY CREIT WITHOUT MY PERMISSION AND I NEED THIS DELETED OFF MY CREDIT REPORT THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
XXXX XXXX XXXX American Express Card and American Express has a promotion program " Earn XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after you spend $ XXXX, $ XXXX, $ XXXX and $ XXXX. With a combination of XXXX XXXX XXXX and card spending members are rewarded with XXXX  status of Silver, Gold, Platinum, or Diamond status. 

On XX/XX/XXXX, AMEX forwarded My rewards XXXX to XXXX. XXXX failed to apply the rewards until XX/XX/XXXX, after XXXX XXXX. only to take those XXXX XXXX at midnight - I believe this is a pattern and practice of XXXX and AMEX to defraud customers of the XXXX  and status. 

I contact XXXX on XX/XX/XXXX, XXXX, XXXX, and XXXX of XXXX. During these calls, XXXX acted as though they had not received the information from AMEX. I then called AMEX several times. AMEX assured me the information was forwarded to XXXX. 

I believe XXXX and AMEX have a pattern and practice to defraud, provide false advertisement, and breach of contracts to its customers by delaying the arrival of points and promotions. 

By delaying the arrival of the XXXX at the end of the year cause me to have to start over with " XXXX '' XXXX. I was only XXXX points away from Platinum status and would have received it cause of the two flights that I had planned. 

I am hereby requesting an investigation into the pattern and practice of both AMEX and XXXX XXXX XXXX 's handling of promotions and rewards. 

I was told by XXXX I was not eligible for " my own points XXXX XXXX but could " gift '' them to someone else ''. This is Fraud, False Advertisement, and Deception

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: TX

Complaint narrative:
as of XX/XX/2021 and today i am being charged XXXX for a public storage unit that was passed off to a debt collector. at the store they clearly stated there would be no contract binding me to further chargers or other responsibility other than that of having none of my things by said date that was paid for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: CA

Complaint narrative:
Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO EQUIFAX THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE OR A COPY OF MY SIGNATURE. I have never done business with XXXX XXXX, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX XXXX delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus Equifax and XXXX directing them to REMOVE this erroneous entry as well. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$1500.00} Acct no. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$1600.00} Acct no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: CA

Complaint narrative:
Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO TRANSUNION THAT PER THE FAIR CREDIT REPORTING ACT, PORTFOLIO RECOVERY HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE OR A COPY OF MY SIGNATURE. I have never done business with XXXX XXXX, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting Portfolio Recovery delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX and Transunion directing them to REMOVE this erroneous entry as well. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$1500.00} Acct no. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$1600.00} Acct no. 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 2022-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Lincoln Educational Services Corporation
State: NJ

Complaint narrative:
I have a received a bill for {$320.00} in 2021. When I graduated from Lincoln Tech they told me everything was taken care of until I received this bill. It hasnt even been one year and I was put in collections. I was even paying little just to not get put into collections. I dont understand how you can put a student loan in collections just for a few months and now it has hurt my credit score. I need this to be out of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX   HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
It's been 121 days and no response from the credit bureau. The letter is attached of what I sent. 

Also, I was denied a home loan because no records can not be located with the account numbers that is being reported. 

XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
It's been 121 days and no response from the credit bureau. The letter is attached of what I sent. 

Also, I was denied a home loan because no records can not be located with the account numbers that is being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Account # XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # 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 explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
The company forwarded my medical information to a collection agency without my consent violating my rights under HIPPA. They also submitted inaccurate information and when asking for validation, I dont get the proper documentation and it is being listed on my credit by providing hand created documentation. The collection agency that they are using is very aggressive. At the time of me being seen, I was qualified for assistance with my medical bill and submitted all necessary documentation and I was covered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On Thursday, XX/XX/XXXX, I discovered several unauthorized transactions on my Chime debit card totaling in excess of {$2000.00}. I immediately locked my card and contacted Chime to report the unauthorized charges. Within hours I received notification that my claim had been denied and was informed that I could request a copy of the information that had been used to reach that decision. I initially submitted that request for information on Friday, XX/XX/XXXX, and was told that it could take up to 10 days for the request to be processed. 

In the intervening time and with no explanation, Chime closed ( and locked me out of ) my account. When I finally received the information I had requested, it was in the form of a link to a Chime webpage that I could not access because my account had been locked. I informed Chime support of the issue and requested that the information be sent in some other form, and after 10 more days I received the exact same email I had received before containing a weblink. This happened 2 more times ( culminating in a 2 hour long phone call with Chime support on XXXX XXXX ), and each time I received the same response. 

Chime will not allow me to appeal their decision without having any new information to provide them, but I dont have any new information to provide ( on the one hand ), nor do I have any understanding or insight into whatever information they used to reach their determination ( on the other ). 

I found it remarkable that Chime was able to reach that decision so quickly ( on XXXX, nonetheless ), until I did more research and learned that many other people have had a similar problem with Chime and that the problem seems to be more about the dollar amount of the claim than anything to do with its validity. As far as I can tell, Chime has essentially aided in the theft of {$2000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
TRUISTXXXX ; LOCATED : XXXX XXXX XXXX, XXXX, GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$3900.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2022-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One walked me through an application and assured me I was getting an intro rate card with better terms. They had the same card on the website and it was confusing which venture one card I was applying for. Called customer service when I applied, they ensured I would get promotional no apr and more XXXX mileage on venture one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On : Tuesday XX/XX/2021 I gave to PayPal Credit an additional {$10.00} for an additional Minimum Payment Due, that was not due to them, at all, for : XX/XX/2021.

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 monetary relief
Consumer complaint received 2022-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Good evening, My name is XXXX, and I was scammed on Paypal by XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ). It was services that they didn't complete and didn't give me back a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I am due to make the final payment on my car loan, with Credit Acceptance, on XX/XX/XXXX. According to their web site my final balance is {$440.00}. A few weeks ago I called them to verify the balance on my loan. The agent would not give me the information I requested. She kept dancing around the issue and saying she couldn't give me an amount until XX/XX/XXXX, when my payment was due. I made the XXXX payment on XX/XX/XXXX. She just wanted to talk about a past due payment they say I owe. In XX/XX/XXXX they added {$620.00} to my account from a repossession in XXXX. I retrieved the car. I have made a total of {$740.00} extra on my payments since XXXX, XXXX. I should not owe {$120.00} past due. I haven't missed a payment since XXXX. They have continually given me problems when I call and won't answer my questions. In XXXX the site listed {$190.00} past due. Today it was {$320.00}. It changes daily going up and down. I have asked if that is part of my balance or extra. They won't answer my direct question. I live on Social Security and need the information I asked for so I can make my final payment on XX/XX/XXXX. They take advantage of people who have financial problems and during the past two years, with COVID, they won't help me. I have paid 29 % interest for 65 months. XXXX is the end of my contract. Please help me.

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 2022-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/2021, I sent 2 payments to another CashApp user, one for {$300.00} and one for {$350.00}. The other user didn't follow thru with the agreement, and I further found out the entire situation was a fraudulent scam. I contacted Cashapp thru their app, as well as requested the money be refunded by the other user ( which is CashApps first resolution suggestion ) and never received anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: NC

Complaint narrative:
I am a former XXXX XXXX student who s applications for borrower defense to loan repayment was approved in XXXX of XXXX. Under the court rulings and the secretary of education authority, all outstanding loans, paid off loans and negative reported account history should be forgiven erased, loans dismiss and/or reimbursed. All loans that were on my credit in XXXX were paid off after a payment settlement with the department of education, balance which was reimbursed to me a few months ago. Since the approval of my application I have been contacting the department of education, the different credit reporting agencies and the original loan provider ( XXXX XXXX ) attempting to have this loan accounts and negative, derogatory and inaccurate information from my credit reports. I have called each of the above places several times but each place deny being the people reporting this information. I can not find the company or department responsible for this information being on my file. I have disputed these items numerous times and they always remain on my credit and after I call all parties involved to see who is reporting this incorrect information attempting to have it removed all parties give me the same answer.. that they are not the ones reporting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
THERE IS A DEBT COLLECTION AMOUNT OF {$760.00} THAT THE DEBT COLLECTOR IS TRYING TO WRONGFULLY COLLECT.I HAVE CONTACTED XXXX TO HAVE THIS DEBT TAKEN OFF MY CREDIT PROFILE THIS COLLECTION ACCOUNT WAS A RESULT OF FRAUDF I NEVER HAD A SPRINT ACCOUNT. 


I HAVE CONTACTED XXXX, XXXX IS SAYING I SHOULD CONTACTED DEBT COLLECTOR WHEN I CONTACT DEBT COLLECTOR, DEBT COLLECTOR WOULDNT TAKE IT OFF.

I LOST A WALLET DURING WHEN THIS HAPPENED. 


SINCE THEN EVERYTHING IN MY PROPERTY WAS REPLACED. 


I REQUESTED A DRIVERS LICENSE REPLACEMENT AND ALSO CLOSED ALL MY CARDS. 



I HAVE FILED A DISPUTE WITH XXXX 3 TIMES THEY STILL REFUSE TO ACCEPT THE DISPUTE AND TAKE OFF MY CREDIT REPORT. 


I KINDLY ASKED THEM TO SHOW ME VIDEO PROOF THAT THIS WAS ME MAKING THIS PURCHASE THEY DONT HAVE THAT. 



PLEASE LET ME KNOW. 


THANKS.

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