vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc.
State: OH

Complaint narrative:
After XX/XX/2023, I was repeatedly called by Financial Recovery Service , Inc., and requested a cerified copy of the the actual debt. However, they have denied that request. They have sent what looks like a bill a few times. Last time they called was XXXX XXXX XXXX. They claim I owe {$750.00}. I have not called them back, I have visited their website, to see if it was real, as well as XXXX search on it. I am going to see about posting their number to a few websites so that their phone number becomes unavailable, anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Capital One, XXXX XXXX, XXXX XXXX, have 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 an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent multiple letters to Experian regarding this matter. They have not verified the information and they are still reporting inaccurate information to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: CA

Complaint narrative:
It has come to my attention that numerous inaccurate names, account numbers, addresses, social security numbers and telephone numbers are listed without my consent or authorization on my credit reports. Attached is a letter stating the inaccuracies with a demand that they be corrected Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports section ( 2 ) and in accordance with 15 U.S. Code 1681c2 I demand that they Block all information resulting from identity theft, document 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 2023-11-04 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:
It has come to my attention that numerous inaccurate names, account numbers, addresses, social security numbers and telephone numbers are listed without my consent or authorization on my credit reports. Attached is a letter stating the inaccuracies with a demand that they be corrected Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports section ( 2 ) and in accordance with 15 U.S. Code 1681c2 I demand that they Block all information resulting from identity theft, document attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
Debt collection for a medical charge of {$340.00}. Statement saying, I owe that amount since XX/XX/XXXX when I had a car XXXX. I had no previous knowledge of the billing amount I owe from these said providers until I got the notice in the mail on XX/XX/XXXX. 2 years later. 

I Called my insurance about the billing notice, stated there is no notice of bill statement sent to them from " XXXX XXXX XXXX '' which they would've covered since I have a FEDERAL XXXX XXXX XXXX XXXX plan. 

On top of that, my car insurance had XXXX coverage of health which they too did not received the bill to cover. 

This violates the No Surprise Billing Act of AZ.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I was getting charged for something that I have no idea what it was for. I asked synchrony bank and they couldnt tell me. After two years of making payments on a {$1000.00} bike I paid another {$800.00} to close the account in XXXX. I have a letter stating that my account was {$0.00} dollars. I have screenshots stating my account is XXXX dollars. They are still drafting my accounts every month. I have asked what the charges are for and they can not tell me, but they still draft my account. Customer service is awful. I got put on hold 3 times while I was speaking and sat on hold for 1-1/2 hours to be told they cant tell me what the charges are or why the account wasnt closed, but I still owe them money. 

Two years, and I never got a single statement or any information on charges or even an account number.

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 2023-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: AL

Complaint narrative:
ProCollect has created a new collection account for an account that was paid in full. 

The facts are as follows : 1. ProCollect collected money from me, {$70.00} [ {$63.00} plus a {$7.00} collection fee ) ( see attached ), for a debt that had been paid ( proof of payment attached ). 
2. On XX/XX/2023 ProCollect apologized for any " misunderstanding '' and issued a promise to delete the letter ( see attached ). 
3. On XX/XX/2023 ProCollect reported that I owed {$500.00} to a company named XXXX. ProCollect never sent any correspondence attempting to collect a debt from this creditor. The first knowledge I had of the debt was an alert that I had a new collection on my credit report. 
4. XXXX ( aka XXXX XXXX XXXX XXXX ) is a security deposit alternative in which property management companies enroll their tenants. 
5. I have never done business directly with any company named XXXX XXXX. 
6. I paid all balances upon moving out of XXXX XXXX ( the apartment community ). 
7. ProCollect had two accounts : one for {$63.00} ( XXXX XXXX as the original creditor ) and the other for {$500.00} ( XXXX as the original creditor ). 
8. I reiterate : I paid XXXX XXXX {$560.00} at move-out. 

Questions : I am not understanding why I would owe XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) when I paid all of the charges to XXXX XXXX ( the apartment community ). Why is XXXX charging me {$500.00} when I paid XXXX XXXX an extra {$500.00}? What is the {$500.00} for? Did XXXX pay XXXX XXXX {$500.00} on my behalf? If so, did XXXX XXXX ever send the {$500.00} payment I remitted to them to XXXX ( XXXX XXXX, XXXX )? Did XXXX XXXX get paid twice for the same charge? 

It appears as if XXXX may have paid XXXX XXXX {$500.00} and then tried to get the money back from me when in fact, XXXX XXXX had already been paid in full thus no reason for XXXX ( XXXX XXXX XXXX XXXX ) to have paid anything to XXXX XXXX on my behalf as a tenant. 

Lastly, notice the date toward the right of the close-out report. This account was satisfied in a reasonable length of time before it was handed over to collections in XXXX of 2023, as learned from the last CFPB complaint I made a few weeks back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX I deposited a 3rd party check under my mothers name. Currently the check is being held because they are unable to link a phone number to her name only. My mother has numbers that can be verified but their check department refuses to move forward with the situation. I fear that they will never give me my money back.I have tried to call them for the past two months but I cant make any progress because they refuse to tell me how I can verify her number and they are using cheap excuses to justify their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There have been repeated hard inquiries from XXXX XXXX approximately every XXXX months. I have never applied for a XXXX XXXX credit card, nor do I shop there ( ever ). I tried to dispute the inquiries via Experian without success because they tell me to contact the creditor/bank. I contacted the number associated with XXXX, but because I don't have an account, I can't actually speak with someone. When I finally got through to someone, I was told to talk to the credit bureau. Now I'm in a loop where no one is taking responsibility and these inquiries continue on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Longtime mortgage was sold and transferred to Chase Bank two months ago. 
Have paid my mortgage.

This week received an email from Chase thanking me for applying for a credit card.

I did NOT apply for a credit card.

I called chase, they said I did in fact have an open application.

They closed the application.

I have run credit report and do not see any other open applications.

This is shady. Chase was trying to play a fast one and now I am stuck with them as a customer because our mortgage is now owned by Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
i checked my credit report recently and noticed a closed charged off account from XXXX XXXX XXXX XXXX {$21000.00} that i have no knowledge of opening or ever giving consent to be

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: NV

Complaint narrative:
i checked my credit report recently and noticed a closed charged off account from XXXX XXXX XXXX XXXX {$21000.00} that i have no knowledge of opening or ever giving consent to be

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 2023-11-04 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, account DEPT OF EDXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions

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 2023-11-04 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, account XXXXXXXX XXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
I have paid off all my creditors but there are 3 items that are inaccurately on my report that needs to be taken off. I have never had a Title Loan and I have asked repeatedly to show me the Original Loan Agreement with my signature and they could not. They told me they would take it off and still have not. There is a Doctor visit bill for $ XXXX I know nothing about either. I have asked for the Original Bill with signature and still showing inaccurate information effecting my credit score. There is a XXXX XXXX XXXXXXXX as well that they will not let me take off even though it is not mine due to their policy of XXXX. I have asked for Original Bill with my signature and they do not respond. My Credit Report needs to be corrected. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: McNeil & Meyers Asset Management Group, LLC
State: OK

Complaint narrative:
I have paid off all my creditors but there are 3 items that are inaccurately on my report that needs to be taken off. I have never had a Title Loan and I have asked repeatedly to show me the Original Loan Agreement with my signature and they could not. They told me they would take it off and still have not. There is a Doctor visit bill for $ XXXX I know nothing about either. I have asked for the Original Bill with signature and still showing inaccurate information effecting my credit score. There is a XXXX XXXX  XXXX as well that they will not let me take off even though it is not mine due to their policy of XXXX. I have asked for Original Bill with my signature and they do not respond. My Credit Report needs to be corrected. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent multiple letters to XXXX regarding this matter. They have not verified the information and they are still reporting inaccurate information to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent multiple letters to XXXX regarding this matter. They have not verified the information and they are still reporting inaccurate information to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2023 Capital One submitted a hard inquiry on my credit without my authorization. This has damaged both my XXXX and XXXX credit report. This an instance of fraud and all Capital One would do is tell me that there isnt a Capital One credit account associated with my social security number and to physically mail a copy of my credit report with a description of the situation to a XXXX XXXX XXXX 

They informed me this process can take up to a month, which is concerning because they didnt share whether the fraudulent credit application was approved or not, and this solution needs to be resolved in a faster time frame. I do not have any accounts with capital one and have never submitted a credit application to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
in 2022 I signed up for a tanning memebership ( I cant remember the name of the place ) month to month. Essentially a week after they sold the company to XXXX XXXX. I tanned their for 6 months and then called to cancel my membership. I checked my statement the next month ( XX/XX/2022 ) and I was still being charged. I called CHASE and explained I canceled this service and I was charged by mistake. CHASE refuned my money and I didnt think about it again. I got a notice last week that chase lowered the CREDIT LIMIT.. which is their perogative but it got me curious about the charges ( i dont use it for much ) and I noticed ive been charged {$77.00} every month from XXXX XXXX XX/XX/XXXX '. I cancelled with the company! I let chase know i cancellede with company and I followed up the next month!!!!. THEY OWE ME $ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Modoc Tribe Financial Services Authority
State: MD

Complaint narrative:
The company charging $ XXXX for a {$1500.00} loan taken out XX/XX/XXXX. The payoff is XX/XX/XXXX for {$800.00} which I will struggle to pay. All of the payments are going to interest instead to the principal. 
I have extended the loan but want to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
On XXXX  XXXX XXXX I attempted to withdraw funds in Credit Karma Save Account. When I went through the process the last XXXX digits shown on the linked bank account did not match any account I have. I proceeded to try to change the linked account through their system that connects to XXXX. It would NOT work, no matter what I tried. It just returned to the same screen. I went on the help menu : the chat bot didn't help, I called the phone number... interesting enough the SECOND I described the problem the person on the phone immediately said they needed to move the complaint up. It was obvious that they have a required company response to this and who knows how many people are effected. 

On XXXX  XX/XX/XXXX I received an email from customer support with nothing more than the steps to the same process that they obviously know doesn't work. Nevertheless, I tried again, tried every way and it is not possible on their website. 

I have no idea what the account is that is linked and if I hadn't noticed, just went through and clicked confirm, which I'm sure many, many people have, who knows where my funds would be. I have once again taken the time to reply to their email but when I searched and saw the exact same issue reported by others I realized reporting this might very well be the only way to remedy the problem and get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
they approve on one of the loans XXXX XXXX, but i wanted the XXXX XXXX  as this vechile with another XXXX  XXXX  was higher, i like if the could XXXX  on XXXX  and not the XXXX  if they could switch, so XXXX  would have a lower rate

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 2023-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
After XX/XX/, I was repeatedly called by XXXX XXXX XXXX XXXX XXXX, and requested a cerified copy of the the actual debt. However, they have denied that request. They have sent what looks like a bill a few times. Last time they called was XXXXXXXX XXXX XXXX. They claim I owe {$750.00}. I have not called them back, I have visited their website, to see if it was real, as well as XXXX search on it. I am going to see about posting their number to a few websites so that their phone number becomes unavailable, anymore.

Company response to consumer: Closed with explanation