vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has listed a personal home improvement loan as a mortgage on my credit report. I have never disputed the loan, but Experian 's incorrect listing has resulted in another lender denying me a mortgage loan. Experian refuses to list the loan ( from XXXX ) as a personal home improvement loan, even though I provided Experian with data showing the listed mortgage liens filed on my real property which show no listing from XXXX. I have sent Experian a statement ( less than XXXX words ) to add to my report, but they have refused to do so.

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602A, states I have a right to privacy.

15 USC 1681 Section 602A, Section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B, Creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.

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 2023-04-24 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602A, states I have a right to privacy.

15 USC 1681 Section 602A, Section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B, Creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-24 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: PA

Complaint narrative:
I recently received a copy of my credit report and was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of purchasing a new home for me and my family. Please remove all the fraudulent accounts from my credit report as soon as possible

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have explained to JPMCB card services several times about the issues with Amazon. I clearly selected returns go back to original payment method, and for months they put my refunds on a gift card account without my approval. JP Morgan Chase Bank now raised my interest dramatically and will not help me with the Amazon situation. I spoke to multiple managers at both Chase and Amazon and they both were very rude to me. I have been hung up on 4 times between the two companies. This is very unfair and a violation of the credit act and my rights. I have asked the company in 2022 of XXXX to send me proof with my wet signature that I opened this account because around this time I suffered from Identity theft. JPMCB just sent me a new card and I had to speak with I.T with Amazon to fix my account had been hacked. I explained this to Amazon Management, and i was hung up on and yelled at in a angry tone, also played with on hold for hours sent from department to department. This has made me very stressed and brought my credit score down dramatically. I asked JPMCB to dispute the Amazon charges because they committed fraud by moving my funds to a different account without my approval or knowledge. I am asking for this account to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TMX Finance LLC
State: SC

Complaint narrative:
We got the loan for XXXX the payoff amount is XXXX we lost our jobs bc of the car breaking down and issues with XXXX and our kids going through therapy our payments was XXXX a month we got behind 36 days tried to renegotiate terms before that but they said they couldn't do that and at that time we didn't owe them money because we was paid up. This is in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I do not have any dates and times at the moment but the company has been calling me for years trying to collect a debt. I got so frustrated that I was willing to make payments on the debt but was told by the company I would need to pay in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8300.00} XX/XX/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 2023-04-24 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8300.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: American Credit Acceptance, LLC
State: GA

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 any purpose. 
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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
On XX/XX/2023, I was alerted that an account was added to my credit profile. I want everyone to be aware that I am not liable for this debt with XXXX XXXX XXXX XXXX nor have I received a contract or any form of a statement from Fair Collections and Outsourcing ( FCO ) no paperwork was sent to me prior to adding anything to my credit report. 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 an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with fair collections & outsourcing. DO NOT RESPOND TO THIS COMPLAINT AS " VALIDATED ''. I AM FILING THIS COMPLIANT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). I WILL SEEK ATTORNEY REPRESENTATION GOING FORWARD.

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
i have seen a fraudulent activity on my paypal account the name of the fraudulent is XXXX XXXX for an amount of {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
2 XXXX transfers were sent in the amount of {$200.00} each from my account on XX/XX/XXXX that I did NOT initiate. I called Capital One immediately when I noticed a XXXX transfer. They stated it went to a XXXX XXXX which I do not know a XXXX XXXX. During that time I was on the phone with capital one I told the lady I received a few texts about my number needing verified from some company and other fraud texts as well. Today I received notification my 2 claims was denied with this response : We finished looking into your claim and didn't find an error. 
No error? Interesting. I dont understand how theres no error when this was not completed by me. I later have learned XXXX has ZERO protection for fraud etc. So much for banks having your back with your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
The company involved is Bridgecrest. I obtained a car from XXXX and used their loan company Bridgecrest to finance the loan. On XX/XX/XXXX the car was totaled. I had full coverage insurance with a {$1000.00} deductible as well as gap insurance. ( I can provide necessary documentation for all of this ). When going through the entire process, it is standard to get the payoff amount for the Auto loan. The payoff amount effective XX/XX/XXXX was {$19000.00}. The following payments were made to close off the account : ( XXXX ) XXXX XXXX principal payment : {$15000.00} ( XXXX XXXX XXXX XXXX  principal payment : {$3500.00} ( XXXX ) XXXX XXXX : {$900.00} Total payment amount : {$19000.00}. Meaning i was owed a little more than {$100.00} back. This should have been settled in XXXX. I was fine and forgot about the money owed until i checked my credit report and saw that i still had an active loan. And the company said i still owed {$100.00} on principal for the loan. I assumed it was because of the standard payment i made and sent in money to payoff the loan. I checked on XX/XX/XXXX, and saw that now i owed a principal balance ( and not payoff balance ) of {$600.00} to Bridgecrest, when the loan was paid off about two months prior. 

Per Bridgecrest own files they did the following : ( 1 ) Reversed the XXXX payment twice as both times it was applied as Principal only payment, then applied the payment as a standard overpayment. 
( 2 ) Reversed the XXXX XXXX  payment twice because both times it was applied as a Principal only payment, and then applied the payment once again as a standard overpayment. 
( XXXX ) Reversed my standard payment twice, for what reason im not sure ( the money has been out of my account for months and was never returned, im assuming this is the same for the XXXX payments and the XXXX XXXX  payments as well ). 

Bridgecrest reversed my payments in a fraudulent matter. The first payment reversal was on XX/XX/XXXX for all three of the aforementioned payments. After this, they reversed and reapplied the payments again on XX/XX/XXXX for all three payments, each time charging me fees and reapplying the payments on the dates of the reversal to apply interest. Also because of the reversals and how they applied the loan, my statement now says the next payment is due on XX/XX/XXXX. This is fraud. ( I have documentation for this as well ). When i saw this, i contacted their customer support and spoke to XXXX. I was not allowed to speak to the accounting team, anyone in legal, a manager, or even given a tracking number for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
{$5000.00} was stolen from my bank account XX/XX/XXXX around XXXXXXXX XXXX. I instantly notified Navy Federal and begged if they could stop the pending transaction and asked if Navy federal can retrieve my money back by going into the persons account and I was told no I would have to wait until the transaction was posted and put a fraud claim in. So I did as instructed, XX/XX/XXXX I put in a fraud claim and I set up a new bank account and ordered a new debit card and when I put in that fraud claim I attached my police report to my fraud claim. XX/XX/XXXX I received a letter in the mail stating verbatim After a thorough investigation, we have concluded that no error occurred based on account activity. You are responsible for the full amount of the claim, {$5000.00} XX/XX/XXXX I called Navy federal representatives during their normal business hours and sat on the phone for more than 2 hours to request information regarding why Im responsible for the amount of {$5000.00} and I was informed my fraud claim is considered a domestic dispute and I would need to take it up with the police department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is not allowing letters by mail to be delivered at their dispute address they gave on their website, XXXX XXXX XXXX, XXXX, PA XXXX. So I will have no choice but to submit my disputes this way

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 2023-04-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am having difficulties submitting my dispute by mail.

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Synovus Bank
State: WI

Complaint narrative:
XXXX I opened a prepaid credit card and I paid {$200.00} I never received my credit card or statement. I called and they stated the card hasn't been activated and I owed late fees and it was being reported to my credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Just recently, my credit score was greatly impacted from an inaccurate balance increase on my capitol one credit card this is causing me hardship and a stressful experience. 
This is the law and i want this resolved from reporting on all XXXX of my credit profiles from each bureau. Iv'e been charged interest rates that's been showing on my credit report as well. According to 15 USC 1681a ( 2 ) ( i ) Exclusions-Except as provided in paragragh ( 3 ) the term " consumer report '' does not include- ( a ) subject to section 1681s-3 of this title, an- ( i ) report containing information solely as to Transactions or Experiences between the consumer and the person making the report. These bluntly remarks are causing me denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX my partner made a Deposit of {$1000.00} inside XXXX XXXX, PA XXXX of Citizens Bank. At the end of the month i noticed i have {$1000.00} short in balance since i maintain an XXXX sheet for my deposit and withdrawal. I called the bank and they told me yes there was a deposit on XXXX but clerk made a mistake and deposited the fund twice and made a {$1000.00} withdrawal to balance is out. I was like, based on the statement i only see one deposit and one withdrawal. Basically clerk deposited and withdrawal my money. 
Its been more than 3 weeks and i have not received any claim update from the bank. They made me file a fraud claim saying it was a check ( changed their statement ) which was cashed in the branch, and failed to provide a copy of that check. All i want is my money back and also action taken against this bank/cashier if it was intentional. My Full XXXX statement attached with highlighted one deposit and one withdrawal on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX. XXXX XX/XX/2023 You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX account # Acct # XXXX ), has violated several of my rights.

15 U.S.C 1681, section 602A ; Clearly states that I have the right to privacy.

15 U.S.C 1681, section 604A, section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a consumer report under an open-ended credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act Sincerely,

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