vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
I received an email I had a Flare account I wasn't aware I had. So by calling the ace flare account customer service XXXX they had my information in their system unless it's a ploy. First representative put me back in the automated without answering how they got my info. I called again and the next representative said I just activated my account and card today XX/XX/2023 during my 1st call XXXX PST. How is it I just activated it when I got an email stating the following today XX/XX/XXXX at XXXX? 

" Your Flare Account statement is available View in browser FLARE ACCOUNT Dear XXXX, Your Flare Account statement is now available, and can be accessed on your account History Dashboard. To view your statement, please click here. 

If you have questions, please log in to your online account center or call us at XXXX. 

Sincerely, Your Flare Account team This message was sent to you because of changes, updates, or transactional activity on your Flare Account. We are required to send you such notifications regardless of your subscription status for your protection. Please do not reply to this message. 

aceflareaccount.com | Privacy Policy | Update Email The Flare Account is a demand deposit account established by XXXX, XXXX XXXX, Member FDIC, and the Flare Account Debit Card is issued by XXXX, XXXX, pursuant to a license from XXXX XXXX XXXX Netspend is a service provider to XXXX XXXX XXXX XXXX Certain products and services may be licensed under U.S. XXXX XXXX. XXXX and XXXX. 

XXXX XXXX XXXX XXXX, XXXX 2023. All rights reserved. 

2023 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners. 

Netspend XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX # XXXX, XXXX, TX 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 explanation
Consumer complaint received 2023-07-01 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: OH

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have called the company time and time again over the past years to get this account fixed. I have paid both account in full within the time frame they initially told me I could without any negative backlash as I was in a bad financial situation at the time of the accounts being open and active. They proceeded to still charge off the accounts and take full payment from me. I feel as if this is just how they had planned to hurt me in a personal way because I could not make my payments on time due to my situation at the time.I have been fighting to have these account fixed on my consumer reports for years to no avail. I recently learned about the CFPB as I'm working to get my credit reports fixed to be able to buy a home soon in the future. The account numbers are as follows XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Below I will also include screen shots from my credit reports showing the account information in more detail.

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 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase refuses to revoke authorization from tolls collection agency. I called the collection agency to fix the dates and they still are double charging and on wrong dates. I called chase and they said they cant do anything for this unauthorized transaction or future ones because I have done business with this merchant. The only option they gave me is to change my bank account number. 
I searched on your website and it says I should be able to stop payments and revoke authorizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSI Enterprises, Inc.
State: MO

Complaint narrative:
I received no letters from this RSI ENTERPRISES it wasn't until it showed up on my credit report that i was even aware of it. I've contacted the company asking for proof of ownership as well as an itemized list of the bill. They have failed to provide any information, in fact the few times I've called to fix this they just tell me that I owe the money and have no choice but to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
The company, XXXX XXXX XXXX is inaccurately reporting a fraudulent account in the amount of {$390.00} under my name and my credit reports! I have contacted them several times to advise them of this and even sent over my police reports and other documents and they still report this under my name and credit reports. This is affecting me and causing me stress and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Personal information shared with 3rd party reporting agencies without my written or verbal consent.

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 2023-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
I was never late for a payment my payment was due on the XXXX of every month so I was a day late this month XXXX 2023 payment was made XX/XX/2023 so I called days ago letting them know I was gon na be a day late so XXXX at the XXXX sc branch on XXXX XXXX told me Thursday it would be fine I also told her I wanted to renew my loan an so she said you'll need to pay XXXX Saturday that's with the interest so Saturday i noticed it said I need to pay XXXX so I went to the store spoke with XXXX I told him I'm having issues with the app it's saying my location wasn't on I couldn't get it on he couldn't either so he looked he said yes its saying XXXX a month so he called someone and next thing I know all of a sudden I'm a high risk customer he said I was late on payments I said not true I pay before the XXXX every month I was late this month one day late so he advised me to sign papers once we get through the app I did this my payment jumped to XXXX for no reason they did this to get more money from me I've paid these people off 3 times prior no problem the app said my payment is XXXX  monthly after XXXX made the call I'm all of a sudden high risk with no late payments but one even though the app wasn't working correctly they charged me XXXX for them to do a in-store renewal I will never do business with title max they are rip offs and not to be trusted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX ( XXXX ) is inaccurately reporting XXXX late payments for XXXX and XXXX of 2020 on an old, closed and paid off credit card! I was never late on making payments when I had this card and when I spoke to XXXX in the past, they verified that I was never late as well and that the late reportings were due to fees. I was advised by XXXX that they would remove the late payments and update the credit reporting agencies with the correct information of no late payments. As of today, the XXXX inaccurate late payments still shows on my credit reports and have not been corrected! I previously had spoken with the XXXX department and was advised that this would be resolved and updated, however, whenever I send the dispute to update it, XXXX updates the same information, containing the XXXX late payments. This is frustrating and very stressful to my life!

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX ( XXXX ) is inaccurately reporting 2 late payments for XXXX and XXXX XXXX XXXX on an old, closed and paid off credit card! I was never late on making payments when I had this card and when I spoke to XXXX in the past, they verified that I was never late as well and that the late reportings were due to fees. I was advised by XXXX that they would remove the late payments and update the credit reporting agencies with the correct information of no late payments. As of today, the 2 inaccurate late payments still shows on my credit reports and have not been corrected! I previously had spoken with the cc department and was advised that this would be resolved and updated, however, whenever I send the dispute to update it, XXXX updates the same information, containing the 2 late payments. This is frustrating and very stressful to my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX ( XXXX ) is inaccurately reporting 2 late payments for XXXX and XXXX XXXX XXXX on an old, closed and paid off credit card! I was never late on making payments when I had this card and when I spoke to XXXX in the past, they verified that I was never late as well and that the late reportings were due to fees. I was advised by XXXX that they would remove the late payments and update the credit reporting agencies with the correct information of no late payments. As of today, the 2 inaccurate late payments still shows on my credit reports and have not been corrected! I previously had spoken with the cc department and was advised that this would be resolved and updated, however, whenever I send the dispute to update it, XXXX updates the same information, containing the 2 late payments. This is frustrating and very stressful to my life!

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 2023-07-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Last week when applying for a home loan, I was asked about a closed XXXX XXXX account with a balance of {$980.00}. My XXXX XXXX account has a balance of about {$400.00}, so I was confused and called synchrony bank to have the problem resolved. Synchrony bank used my social security number ( SSN ) to try to identify the account and said they could not find it. I then had them look under my husbands SSN, and they said they could see the account, and that he had paid off/closed it. They would not send me any information on the account because they said my SSN was not associated with it, and that I wasnt even an authorized user. So I asked if they could notify the credit bureaus to have it removed. After ending the call, I also filed a dispute on the account with TransUnion and XXXX. A few days later, my husband received a letter from XXXX XXXX saying they had updated the account and alerted the credit bureaus on his behalf. 
Today, I received notification from TransUnion that they had finished the investigation on my dispute, and that XXXX bank had found the information on my credit report to be accurate. So I called XXXX XXXX to figure out what happened, and this time they were able to find an account with my social for the exact same amount. When I tried asking how no one could find the account last week and asked for someone to pull up the recorded call, I was hung up on. This account was apparently closed in XXXX, and XXXX has continued to report it as 90+ days late for the past 4 years.

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
XX/XX/2023 is showing late mortgage payment. This is false. Weve never missed a payment. We applied for a loan modification at that time and mr Cooper incorrectly reported us 60 days late. Weve contacted them and also the credit bureaus but they refuse to correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express ( AMEX ) is inaccurately reporting 2 late payments for XXXX and XXXX XXXX XXXX on an old, closed and paid off credit card! I was never late on making payments when I had this card and when I spoke to Amex in the past, they verified that I was never late as well and that the late reportings were due to fees. I was advised by Amex that they would remove the late payments and update the credit reporting agencies with the correct information of no late payments. As of today, the 2 inaccurate late payments still shows on my credit reports and have not been corrected! I previously had spoken with the cc department and was advised that this would be resolved and updated, however, whenever I send the dispute to update it, Amex updates the same information, containing the 2 late payments. This is frustrating and very stressful to my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have called the company time and time again over the past years to get this account fixed. I have paid both account in full within the time frame they initially told me I could without any negative backlash as I was in a bad financial situation at the time of the accounts being open and active. They proceeded to still charge off the accounts and take full payment from me. I feel as if this is just how they had planned to hurt me in a personal way because I could not make my payments on time due to my situation at the time.I have been fighting to have these account fixed on my consumer reports for years to no avail. I recently learned about the CFPB as I'm working to get my credit reports fixed to be able to buy a home soon in the future. The account numbers are as follows XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Below I will also include screen shots from my credit reports showing the account information in more detail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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: DISCOVER BANK
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: UT

Complaint narrative:
XX/XX/2023 Experian sent me an email instead of notifying me by mail requesting proof of my IDENTIY and Address, now XX/XX/2023 I received an email from Experian stating We were unable to honor your recent request because you did not provide sufficient or legible identification information for us to verify your identity. This is a violation of 15, USC1681 ( a ) Experian sent me an email requesting information then tells me their not going to remove inaccurate information. After I already sent my proof of ID and address through CFPB to Experian which they knowingly they have received it from the CFPB this a stall tactic. How is it Experian can ask for proof of ID and Then turn around in two days to say they can't honor my dispute when they clearly received my ID and address. Last time I've mailed proof of my address and ID I was informed they never received it when my Certified mail showed it was received. Once again their stalling to do their investigation.

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 2023-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I requested a replacement card & have not received it since then after chatting with XXXX through the live chat feature provided on the americanexpress.com website

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
CREDIT CONTROL CORP failed to validate debt and prove a contractual agreement. Several rights were violated. Company 's Response was as follows CCC serves as an agent for the original creditors who own the debts assigned to us for collection. We do not purchase debt and are not subject to debt validation requirements for debt buyers. The debt is not mine. 

I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Well they call me saying I got a phone from XXXX. I never had a account with XXXX I had a account with XXXX for almost 20 years. So I told them that but they keep harassing me by phone and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union is inaccurately reporting a credit card over XXXX XXXX XXXX on my credit report. The credit card was settled and paid off and I was previously advised that once I settled and paid if off that it would be removed from my credit reports. Navy Federal still have not removed the credit card reporting from my credit reports as they promised to do once paid the settlement amount. The credit card was first delinquent in early 2016, and it has been over 7 years since delinquent and by law should be deleted and removed from my credit reports as well.

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