vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Email received from Synchrony Bank re : my Lowes credit card and them wanting to charge a ( junk ) fee for my paper statements. I believe this fee for paper statements versus electronic is not a choice but coercion. I as well as millions of others want to continue to receive paper statements without having to pay for them for many reasons as outlined by credit websites : " Paperless statements can present problems, such as the potential for identity theft and the inability to clearly read them on mobile devices '' ; " Chance of Identity Theft b/c a cyberhacker may be able to break into your email account and swipe emailed bank statements. Information on the statements potentially could be used to steal your identity and set up fraudulent financial accounts in your name '' ; " If you're not super tech literate, you might have a hard time accessing digital statements in the first place. You might also find it annoying and cumbersome to track your account activity with digital statements if you're used to using paper statements. In addition, some customers might lack convenient access to internet or wireless services '' ; And it is extremely irritating " to keep track of passwords in order to log into a website or mobile app so you can review your paperless statements. A 2022 global survey by the XXXX XXXX XXXX found that more than half ( 51 % ) of those questioned had reset a password at least once a month because they couldn't remember it. Complicating matters, the use of easy-to-remember passwords can present a major security risk. Be sure to use unique and strong passwords for all your accounts. '' In addition this report from the XXXX clearly states that consumers should have the free choice and not be coercied into electronic statements because of the entity charging a feeXXXX XXXX XXXX XXXXXXXX

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 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
I received a debt collection notice # XXXX Pin # XXXX from debt recovery 's solutions LLC a amount of XXXX on behalf of XXXX XXXX and this not belong to me I never got a loan from XXXX XXXX and this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am an advocate for victims and survivors of human trafficking I am a XXXX XXXX I am an XXXX woman My XXXX XXXX XXXX is XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the dept of justice to make such a determination under the trafficking rule XXXX XXXXXXXX is NOT a CREDIT REPAIR COMPANY. 

XXXX is IN COMPLIANCE and accepts documentation per the rule. 

EXPERIAN IS NON COMPLIANT XXXX IS NON COMPLAINT Their continued rejection of trafficking documents puts victims and survivors at risk of re-exploitation

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX De XXXX XXXX Investigation previous to this, Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. I have fallen victim to identity theft. Which i have submitted FTC reports to show the fraud that has impacted my life. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes to Experian. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand this XXXX XXXX XXXX account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Experian data breach and may have got into the hands of the wrong person or put on the dark web.

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 2024-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
Law to be against me by using debt false debt collection.

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 2024-02-09 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: MI

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 2024-02-09 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 account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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 account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely.

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 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX account Account XXXX : 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 2024-02-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX account Account XXXX : 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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
My financed vehicle was involved in a total loss settlement that resulted in the loan balance being paid in full. Due to the delay in closing the claim, I continued to pay the monthly payments as scheduled, for the periods of XX/XX/XXXX and XX/XX/XXXX. As the insurance company payment was retroactively applied, the finance company refunded me the balance of those payments that I made in the interim. 

In processing the adjustment to my account, the Ridgecrest rescinded those legitimate payments and erroneously notified the XXXX credit reporting agency that I was delinquent for the period of XX/XX/XXXX and XX/XX/XXXX. This has resulted in an erroneous 60 day delinquency to be associated with my credit profile. 

I would request that this erroneous notification be immediately removed and that Ridgecrest be assessed an appropriate penalty.

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 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is attempting to collect a debt that was settle and paid to True accord in the amount of XXXX paid XX/XX/year>. Portfolio Recovery is stating that the debt was not paid and is asking now for XXXX for the same company XXXX XXXX XXXX XXXX. I asked for validation of debt and to date I have not received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
Received in mail a collection from Hunter Warfield so I called them said that is not my debt and he said if I don't give my SSN he can not help me and hung up the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: TX

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 explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XXXX Navy Federal Credit Union received a deposited in the amount of XXXX from my federal tax refund. Navy Federal Credit Union illegally took XXXX from my tax refund without cause. Banks risk no loss because banks do not loan money and are federally ensured. Banks deposit and transfer securities that is all. What is the cause for taking money from me when you do not have the authority. I have asked Navy Federal for the funds to be rightfully returned. The Federal Reserve Board explicitly states banks are barred from using its customers money. 

( 1 ) " Bank '' means a person engaged in the business of banking, including a savings bank, savings and loan association, credit union, or trust company.

( 2 ) " Depositary bank '' means the first bank to take an item even though it is also the payor bank, unless the item is presented for immediate payment over the counter ; ( 3 ) " Payor bank '' means a bank
that is the drawee of a draft ; ( 4 ) " Intermediary bank '' means a bank to which an item is transferred in course of collection except the depositary or payor bank ; ( 5 ) " Collecting bank '' means a bank handling an item for collection except the payor bank ; ( 6 ) " Presenting bank '' means a bank presenting an item except a payor bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: VI

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 explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I purchased an American Express e-gift card for {$750.00}. It is not accepted anywhere I try. I have tried to use it at multiple websites online, and it is declined everywhere. When I call the company, they just tell me to use it elsewhere. I have called twice already, and they all give me the canned response that my transaction was declined for the " security of the funds ''. Apparently, according to various chats online, everyone is having this problem as well. 
In addition, there is some sort of fraudulent charge for XXXX cents by XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WESBANCO BANK, INC.
State: WV

Complaint narrative:
I opened my checking account on XX/XX/2023 with the XXXX offer. The requirements was to make {$1000.00} in deposits within 30 days of account opening which I did. After all requirements was satisfied they was suppose to send the bonus within 90 days of account opening which they did not. There was some weird errors where I couldnt access online banking and couldnt see transfer funds that had occurred as well which may be the culprit of the beginning of my issues. I called my local branch who said they investigated and wasnt going to honor it because I didnt apply the promo which is false and after proving otherwise was told I didnt qualify because I didnt have a branch within XXXX miles which is false as well. My boyfriend lives near me and got the bonus but only after contacting the same branch I did and complaining. Theyre making any excuse to not fix their error. Here we are nearly 4 months later and no bonus posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I called equifax on XX/XX/2024 to request a copy of my credit reports the agent was foreign and refused to send my call to an American representative I wanted to submit feedback about updating the equifax credit reports to make them easier to read. Similar to XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
The company name SEQUIUM ASSET SOLUTIONS is charging me {$60000.00} on the name of XXXX XXXX XXXX XXXX XXXX I vever used XXXX and i ready contact XXXX and XXXX XXXX XXXX  and they do not have an account with the number provide true SEQUIUM ASSET SOLUTIONS.. 

Also i read a lot of complaint about this company, people are saying they are scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: EdFinancial Services
State: NJ

Complaint narrative:
On XX/XX/XXXX, my parents and I made payments towards my student loans of {$9000.00} & {$640.00} to pay off two loans ( XXXX {$7600.00} and XXXX {$2000.00} ). This was done directly on EdFinancial 's website which allowed me to APPLY my payments directly to these two loans. In a chat with a representative, she confirmed that loan XXXX was paid in the full and also confirmed the balance was reflective as follows : You applied {$2000.00} confirmation number XXXX to XXXX XXXX. 

However- no where on their website nor when I speak/chat or email with anyone is this money actually showing!! When I inquire, I am being told that this payment is going to be handled as a 'cancellation payment ' because this loan was disbursed within the past 120 days. According to my records ( FASFA ) this loan was actually disbursed to my school on XX/XX/XXXX ( this equates to 147 days in-between, well beyond said 120 days ) As of today, Loan XXXX now has a balance of {$2000.00} - as it is continuing to accrue interest at the high rate of 5.5 % ( which is why i wanted this loan paid off ). Upon my inquiry, this loan was at {$2000.00}... 

I am humbling asking for your assistance, my mom & I have spent all week trying to get this resolved and are getting no where. 

I am attaching screenshots of my online account as well as my chat conversation & do have 2 emails if needed. Thank you for your help in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: NC

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the identified that resulted from a alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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