vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: NM

Complaint narrative:
This company has called me many times during the day, approximately about 10 calls per day and all of them are technically the same phone number, they just change their last two digits. But always call under a XXXX then the last two digits are different. 
I talked to someone who harassed me about a debt. I asked for the validation of the debt with my signature and that representative told me " I can not provide you that since we bought your debt ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: NV

Complaint narrative:
In XXXX of XXXX I was hit by a data breach from my Mortgage Co. that took over my Mortgage in XXXX of XXXX. It came through my e-mails and created data breaches on my computer and my phone. Due to this I was not able to XXXX for extra money which I need to do each month to survive every month as I am a XXXX  and on very fixed income. Because of this I had to renew a payday loan which gave me additional money to carry me until I was able to XXXX again. It was 2 months before I could fix the issues to be able XXXX XXXX again. I somehow managed to make all my payments and do the annual registration and inspection and state license to start XXXX XXXX  in XXXX. In the meantime, I managed to keep all my bills paid. I am struggling very hard, and I can not continue like this. The loan was taken out on XX/XX/XXXX with Advance America online for {$2500.00}. I went online today and found out that my loan amount is still more than the original amount. When I talked to them, they said that original amount was at 159 % interest and the total was an additional {$5000.00} in Interest. I have been making payments of {$330.00} and can not continue this until XX/XX/XXXX. None of this was clear when I renewed it online I thought it was maximum of 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Firstly, there are inaccuracies on my credit reports from the different credit agencies regarding my XXXX  loan that falls under 15usc 1681. 
The XXXX  loan XXXX XXXX TransUnion states it was open on XX/XX/XXXX. On XXXX and XXXX the loan was open on XX/XX/XXXX. TransUnion states my balance is {$18000.00} however XXXX and XXXX state my balance is {$18000.00}. 

Secondly, when I filled out the XXXX  loan application I signed a privacy act form that said the school will not provide any transaction history to any third party companies which apparently they ignored. So pursuant to the family educational rights and privacy act of 1974 the school violated the act in the form.

15 usc 6802-6805 states Im able to opt out of financial institutions in giving my non public personal information to third party institutions such as TransUnion, XXXX and XXXX without my written consent or without giving me ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I never received a non disclosure option or an opportunity to opt out of sharing my information with third party agencies.

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX lied to me and said they were from the Federal Student Loan Education Department. When I spoke with the real company I found out that I had been scammed and the payments I authorized were not applied to my balance and my bank says I can't get my money back.

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, of XX/XX/2023, three transactions transactions that were not authorized by me were processed through my bank via a fraudulent and unauthorized XXXX purchase/transaction. The amounts were {$2100.00}, {$1100.00}, {$4800.00}. Immediately upon identifying these unauthorized transaction, I went to my bank and submitted in person a signed " disputed transaction affidavit '' stating such. At this time, I immediately closed my bank account and assured me that I would be refunded the stolen money in a few days. Several months have now surpassed and regardless of the documentation depicting extremely unusual purchase history and or payment history, that included a police report filed, Chase bank relayed that it was XXXX 's issue, and that I needed to take it up with them. I have contacted XXXX and spoken with representatives multiple times and for several weeks now but to no avail. They claim that it was Chase Bank 's responsibility to keep your money safe. They claim to be merely a transaction service and the reason for denying my claim was that according to their investigation, my purchased history was consistent with my prior purchase history? I requested that they provide me with information pertaining to how they can claim such a reason as I have never purchased multiple notepads or laptops value the in the thousands of dollars all in one day or two and or had anything ever shipped to an address that was not on record?? When I asked him to provide the documentation they said that would but had yet to receive anything. Chase bank said that I allowed XXXX party company, XXXX, to access my account? That is the reason that they gave me as to why their nonculpable for these stolen funds. I asked representatives who appeared to be an XXXX call center and who claim to be the fraud department, if my money at the bank was insured? They can provide me a straight answer. I asked him that if they knew whether or not my money was insured from theft, and that I wanted to follow claim for my stolen money. XXXX had no answer other than they were sorry and that I needed to take it up with XXXX? There are multiple recorded messages with the numerous conversations that I had with XXXX and Chase bank. I have requested that XXXX send me all records of my conversations since the conception of this problem. XXXX has relayed that they were going to process this request and that could take up to 30 days? My money 's were stolen and I thought I was insured by my bank. I was never told or advised that I could not sign up with a XXXX or cash service transaction provider that would void my insurance?.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/ I made a police report about my identity being stolen. I recently tried to apply for my first credit card and when I denied from it I discovered I had a credit history on my bank app going back 11+ years ago. I was XXXX at the time. These accounts have been in my name owning multitudes of money. One being an American Express card and another bing XXXX XXXX  card and 3 other closed accounts and 6 hard credit checks. I am XXXX now and this is very serious considering my credit is poor and me myself has never personally had a credit card before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
When adding a bank account to Venmo, you have to verify the bank account. Understandable. But you add money into my account PLUS you subtract the money from my account ( and I use those transaction amounts to verify the bank account ). Problem is, I don't ever remember giving you permission to REMOVE money from my account. Maybe I don't remember giving permission, but I don't think I gave you permission to take money OUT of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they're violating the Fair Credit Reporting Act. The accounts I have listed below are causing harm to my credit report. 

According to 15 USC 1681i ( 5 ) The credit bureaus said everything was complete and accurate and I asked them if they can provide me with the proof of paperwork and they have not done that. These listed accounts found in section of Closed Accounts & Collections are listed as follows. 

Account : XXXX XXXXXXXX XXXX account # XXXX ( Closed Account ) Account : XXXX XXXXl account # XXXX ( Closed Account ) Account : XXXX account XXXX XXXX ( Closed Account ) Account : XXXX XXXX  account # XXXX XXXX Closed Account ) Account : XXXX XXXX XXXX  account XXXX XXXX XXXX Closed Account ) Account : XXXX. XXXX XXXX account # XXXX ( Collection account ) Account : XXXX XXXX XXXX account # XXXX ( Collection account ) Then I asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) and they never did.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

This is violation after violation after violation. This is causing me stress because I have no hope with this system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they're violating the Fair Credit Reporting Act. The accounts I have listed below are causing harm to my credit report. 

According to 15 USC 1681i ( 5 ) The credit bureaus said everything was complete and accurate and I asked them if they can provide me with the proof of paperwork and they have not done that. These listed accounts found in section of Closed Accounts & Collections are listed as follows. 

Account : XXXX XXXXXXXX XXXX  account # XXXX ( Closed Account ) Account : XXXX XXXX account # XXXX ( Closed Account ) Account : XXXX account XXXX XXXX ( Closed Account ) Account : XXXX XXXX account # XXXX XXXX Closed Account ) Account : XXXX XXXX XXXX  account XXXX XXXX XXXX Closed Account ) Account : XXXX. XXXX XXXX account # XXXX ( Collection account ) Account : XXXX XXXX XXXX account # XXXX ( Collection account ) Then I asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) and they never did.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

This is violation after violation after violation. This is causing me stress because I have no hope with this system.

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 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
To Whom It May Concern : I have repeatedly asked XXXXXXXX XXXX XXXX XXXX  for evidence to support reporting, but yet again, XXXX XXXX XXXX XXXX  have failed to provide me with a copy of any viable evidence submitted by NATIONAL CREDIT ADJUST collection agency substantiating their claims ( account # XXXX amount {$990.00}. 
Furthermore, I have requested XXXX XXXX XXXX XXXX  method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 
This letter is in response to XXXX XXXX XXXX XXXX recent claim XX/XX/XXXX that NATIONAL CREDIT ADJUST, collection agency, has verified that the ( account # XXXX amount {$990.00} ) they are reporting under my name is accurate.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account.

I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter.

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. 
I am maintaining a careful record of my communications with XXXX XXXX XXXX XXXX for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your non-willfulness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Now XXXX XXXX is not reporting my Citibank account. They tell me that it was deleted as a result of the complaint against 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 2024-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have reached out to the rental property regarding the matter, but there has been no response for approximately twenty business days. Additionally, I have contacted the debt collector, who asserts they sent two emails requesting proof. Despite this, the third-party company continues to report inaccurate information on my credit profile. I have also provide proof of the debt being paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I noticed hard inquiries that do not belong to me when I checked my credit report

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian failed to meet requirements of 15 usc 1681b permissible purpose I have pictures of my account saying its been locked since XXXX but some how hard inquiries from companies Ive done no business with are literally sitting on my report as Im reading the security lock message, there is a private right of action for negligent or willful noncompliance with 1681s-2 ( b ) of the FCRA. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attached and explain

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute an error, discrepancy, and unrecognizable account that is appearing on my Experian credit report.

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 2024-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Periodically we are required to recertify our income. Income recertification will cause my monthly payment to go up by {$1900.00} per month. I have been asked in a letter from Mohela my loan servicer to recertify my income by XX/XX/XXXX. Studentaid.gov clearly states that any income recertification dates for prior to XX/XX/XXXX will be pushed back by one year. As such, my income recertification date should be pushed back at least one year to XX/XX/XXXX. I spoke with agent, XXXX at Mohela on XX/XX/XXXX regarding this. He stated this would be fixed, but my income recertification date remains the same.

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