vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: IL

Complaint narrative:
TrueAccord are continuing to attempt to contact me without my consent and collect on a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: DISCOVER BANK
State: TX

Complaint narrative:
I have sought to have my physical mailing address removed from Discover Credit Card services. I am not a customer, nor do I every intend to be, and after receiving new credit card solicitations addressed to former owners of my current home, I called the number provided to opt-out of the unsolicited mailings. I have placed calls to Discover Credit Card XXXX and conveyed my request to be removed on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. 

During the last call on XX/XX/2022, I conveyed that we had past the 90 day time frame from my initial request to be removed and now I will be submitting a complaint to consumer financial protection bureau. The response was that each of my requests could have reset the clock for that 90 day time frame. 

My concern is that this request to be removed and the 90-day time frame could be reset with every request I have made. This could include the numerous different credit cards offered or call-back numbers given, and may include other services offered by Discover such as student loans ( which I stopped receiving after my XX/XX/2022 separate request to be removed ). Additionally, the mailers will use different variations of a name for the previous owners of my home. For example, XXXX XXXX versus XXXX XXXX XXXX XXXX. So the promotional material will likely not stop and the costs to dispose of/recycle their paper mailers is passed on to me and my household. Despite having already signed up under XXXX and numerous other websites, I still receive offers under various names and previous owners. 

My request is for Discover and its affiliates to remove my physical mailing address from any and all promotional materials and stop the disclosure of my mailing address to third parties, no matter what name is used/addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Greetings, I, the consumer and natural person, was denied credit by CAPITAL ONE. I sent my negotiable instrument to settle my affairs and CAPITAL ONE, in dishonor, closed my account without my consent and approval. The credit that was extended to me, prior to having my account closed, was my own credit pursuant to 12 U.S.Code 83 ( a ) [ General Prohibition ] No national bank shall make any loan or discount on the security of the shares of its own Capital stock ]. Any Adverse Action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in title 15 U.S.Code 1692K. 

Capital One is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Capital One due to the response I received. Capital One closed my account because I presented my negotiable instrument ( s ) and requested that Capital One bring my accounts to a positive. Before said documents were presented to Capital One, there was never any issues or concerns, my accounts with Capital One were ALWAYS current, paid on time and NEVER LATE ( please see attached XXXX documents for reference ). Instead of honoring my method of payment, Capital One chose to CLOSE my account without my consent, knowledge or approval. All of these actions are DIRECT VIOLATIONS pursuant to codes 12 CFR 1026.13 ( d ) ( 2 ) ( 3 ) [ Rules pending resolution Until a billing error is resolved under paragraph e and f of this section, the following rules apply. ( 2 ) Adverse credit reports prohibited ( 3 ) Acceleration of debt and restrictions of account prohibited ]. U.C.C 3-603 ( b ) [ If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates ] and U.C.C 3-419 . 

Capital One is in violation of title 15 U.S.Code 1642m, U.S.Code 1681m and 12 CFR 1002 because i, the consumer, made an application in GOOD FAITH but credit was not issued, rather I was discriminated against and my full disclosure right was violated. 

Furthermore because my social security number ( Credit Card ) was used and I received NO benefit ( s ). This is further proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of Capital One. 

CAPITAL ONE closed my account then reported a LATE payment on my consumer report on said closed account which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid off this credit card and they sent me a letter that I was good in good standing, I do not have the letter and they do not have me in their system and they have not deleted and they are reporting different information to the credit bureaus.

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 2022-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: NY

Complaint narrative:
I recently requested a refund of my student loan payments from EdFinancial that were made during the eligibility period of the One-Time Student Loan Debt Forgiveness plan . 

After making the request, EdFinancial was very ambiguous on when this refund would be completed, mentioning to track the https : //studentaid.gov/debt-relief-announcement website to know when I would get my refund. From my understanding, the refund should be processed immediately from EdFinancial, and the website is where the application is to be " forgiven '' of the debt. 

In addition, there was no way to track the refund application ( no email confirmation, no tracking number, no updated balance on EdFinancial ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received this letter from Chase Bank XX/XX/2022. I am confused to the verbiage of this letter and further the actions of all my accounts, violation to my privacy within these accounts and Chase Bank banking practices. It is to my understanding that I hold and have held only four accounts, one jointly and with a authorized rep on one credit card. Chase bank has informed a state agency of ( 12 ) accounts not to mention given all my financial records without my consent or notification. On one of my credit cards Chase bank allowed a merchant to charge an inactive card for a period of four months and would only refund the fees for two transactions. I have reviewed my payment history for my cards and within this year, payments have been difficult to make. I have not been offered a payment plan but have received this most recent letter. Due to the FACT Chase has been unwilling to explain the actions of its employees XXXX XXXX, XXXX XXXX, or XXXX XXXX, properly credit and explain fees accessed to my account ( s ) I am relying on the regulation of Consumer Financial Protection Bureau for further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My full legal name is XXXX XXXX XXXX. XXXX, XXXX and TransUnion incorrectly list my name as XXXX XXXX XXXX. Please help me to correct and restore the accurate spelling of my name on my credit reports generated by XXXX, XXXX and TransUnion.

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 2022-09-20 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: GA

Complaint narrative:
My full legal name is XXXX XXXX XXXX. XXXX, Experian and XXXX incorrectly list my name as XXXX XXXX XXXX. Please help me to correct and restore the accurate spelling of my name on my credit reports generated by XXXX, Experian and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: HW Holding, Inc
State: GA

Complaint narrative:
I would like to know why i am being charge for something i was not approved for never moved into the apartment was denied and im not responsible for any other the amount that was place on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I received a credit card in the mail that I did not open. I also received information about an opened savings account that I did not open. I contacted the company Navy Credit Union immediately and they closed the account.

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 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Everest Receivable Services Inc.
State: TX

Complaint narrative:
orginal account XXXX XXXX XXXXXXXX XXXX XXXX XXXX contacted me around XX/XX/XXXX told them that was not me. XX/XX/XXXX and XXXX XXXX text messages XXXX XXXX and XX/XX/XXXX messages as well. now everest receivable services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is contacting me by letter on behalf of XXXX XXXX as of XX/XX/XXXX there were more but this is information I kept track of

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 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been mailing monthly letters to equifax and they have yet to release my scores. They are telling me I have to pay in order to see my credit score. I have mailed my dl several times along with a copy of my utility bills and a written letter stating I need items corrected. I have called on XX/XX/19 and they only excuse I get is I need to pay their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and mental health. Account in question is US Dept Of EdXXXX XXXXXXXX # XXXX. The account is illegally publishing derogatory and inaccurate information on my consumer 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 2022-09-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent Experian, XXXX, XXXX requests after requests to remove security freeze and Fraud Alerts. I have even sent proof of address and Utility bill as you requested but you are stalling the process deliberately hurting my livelihood as well as the one of my family as it relates to us not having access to descent credit or a home to live in.

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 2022-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have repeatedly tried to get in contact with Freedom Mortgage about a monthly charge for a PMI for the amount of XXXX. 

I have paid more than 22 % of my property and i called them on XX/XX/2022 to remove the monthly charge for the PMI. But no success. 

On XX/XX/XXXX I decided to send them a written message on their secure message center on the phone app. They haven't bother to reply. 


On XX/XX/XXXX, I sent them a new written message on their message center and still no reply. 

As today XX/XX/2022. I have paid more than 25 % of my mortgage home loan and I do not see them removing the Private Mortgage insurance.

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 2022-09-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX of 2021, I purchased a tent and used my Paypal credit card to purchase. I never received the product and called Synchrony Bank/Paypal credit XXXX I have made numerous phone calls to Paypal credit trying to resolve this issue. They state that the retailer sent the product. I asked multiple times for Paypal credit to send me the tracking number, and that I would call XXXX XXXX myself to find out where the product is. After multiple attempts, faxes to the company that went nowhere, and numerous phone calls, I have no resolution. They are sending me statements and adding on ridiculous fees. I had asked them to send me directly to collections, since I have no intention of paying for an item I never received, and they won't do that. Instread they keep adding on fees for not paying the bill. Never received the product in the first place, and Synchrony was no help.

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