vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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: OneMain Finance Corporation
State: IL

Complaint narrative:
In accordance with the fair credit reporting act, ONE MAIN FINANCIAL # XXXX, has violated my right. 
1

5 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section @ 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 an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On my credit report it is showing the wrong name, and the wrong addresses on the report. 
I dont have numbers in my name and i also only have one address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ACCOUNT # XXXX & XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ACCOUNT # XXXX & XXXX, has violated my rights. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
company not reporting vehicle loan ( s ) to credit bureaus. I contacted both, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  to ask why they were not reporting my positive accounts. Both companies expressed they would update, that has yet to happen. 

my initial communication regarding the matter was XX/XX/2021 till present. 
unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Today 's date is when a phone number called me having my last 4 of my social security number my full name and my home phone number which is impossible to be a real debt collector because Noone has my home phone number and they called from XXXX pre fix which is from iowa where I currently live and when I asked them for proof of the debt they were trying to collect was from California but when they sent me an email it was found in spam and had California colorado website which was found to be odd and when I called the toll free number from the email it just kept ringing and no one answered.. I'm very worried for people having my information like this please help me figure out if it's real or fraud they called me from the phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX and the toll free number is ( XXXX ) XXXX and stated I owed $ XXXX.and some change to them by Wells Fargo and that's impossible I've never received any mail or any information about this so called debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: LA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX My social security number is XXXX I'm XXXX date of birth XX/XX/96 my address currently XXXX XXXX I can't get help anywhere now I'm facing eviction I have small kids one day now to move

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
XX/XX/2022 I received two emails from navient demanding past due payments and late fees totaling over {$380.00}. I am supposed to be in the income driven repayment plan and have recertification as needed every year, but navient keeps saying they didn't receive any documents pertaining to the income driven repayment plan, but it says documents sent successfully. On top of that I believe that navient is taking the Pell grants I was rewarded and instead of deducting that free money that I don't have to pay back and they are adding it to my balance to draw more interest. Plus my student loans were on pause until I got a call from navient saying I need to pay my student loans and I tell them I'm in the IDR repayment plan they respond by telling I wasn't and I would need to go into forbearance. A month or so later I am getting emails to make a payment on paused loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: IN

Complaint narrative:
These people are continuing to report inaccurate accounts on my credit! 

ALL OF THESE BILLS ARE PART OF SERVICES RENDERED THAT ARE NOW PART OF A MALPRACTICE LAWSUIT. DATES XX/XX/2020 - CURRENT. They added an account to my credit for {$46.00}. {$46.00} DOLLARS! 

AGAIN, MY LAWYER HAS SENT THEM LETTERS REPEATEDLY AFTER VERIFYING ALL OF THE ACCOUNTS THEY HAVE WITH THEM ARE PART OF A MALPRACTICE LAWSUIT. ANY DATES OF SERVICE BETWEEN XX/XX/2020 AND NOW ARE TO BE HELD, PER THE CRYSTAL CLEAR LETTER ARS and THEIR THEIR ILLITERATE CLIENTS FAIL TO READ. 

Any medical collections from XXXX XXXX  XXXX XXXX, ARS XXXX, XXXX XXXX, or other medical related collections are being placed on my report out of spite due to pending litigation. Dates of service are XX/XX/2020 to CURRENT. These entities have chosen to ignore repeated requests from counsel to pause collection efforts until case resolution. They are also changing account numbers and balances by 1 number to report the same debt more than once on my reports. ARS has a poor XXXX rating and are under investigation for consumer fraud. I have been successful in getting these accounts removed from my XXXX report but XXXX will just keep changing account numbers and amounts to add them back like they have been doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I had to put down {$5000.00} down and I believe it wasnt added to the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have been writing letters since XX/XX/2021 and never got a response. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I purchased a white vinyl privacy fence from XXXXXXXX XXXX for a home improvement project, during XX/XX/XXXX. The fence was financed by Synchrony Bank where I was issued a credit card for Lowe 's with a {$9100.00} credit limit. The card came with a " deferred interest promotion '' of 3.99 % for 36 months. I setup automatic payments in the amount of {$350.00} each month, to pay the balance off sooner than 36 months. But before I paid it off completely, I used the card again during XXXX on a second home improvement project by having XXXXXXXX XXXX replace my roof, and some other home improvement projects. Unfortunately, because of the COVIC pandemic along with the ever increasing cost of living, versus my fixed income, I was going to have to reduce my $ XXXX monthly payments. In addition, I was furthered financially burden when I fell victim to a Bitcoin scam where I lost {$18000.00} from my checking account during XX/XX/XXXX. I sent Synchrony Bank a copy of the Police Report. On XX/XX/XXXX, I notified them by email of my situation and informed them that I could not afford to pay 26.99 % interest, with " Late Fees '' and " Overlimit Amount '' Fees, but I would be willing to make $ XXXX  monthly payments, as a sign of good faith, for the next 2 months. After which I would be in a better financial position to pay the balance in full! I only asked if they would be patient and work with me. Synchrony Bank has shown absolutely no compassion or empathy for my dire situation and continues to increase the balance on the card. If Synchrony Bank is allowed to continue with their selfishness and greed, it will only damage my credit rating, and I request that action be taken as soon as possible to prevent that from taking place.

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 2022-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I leased a vehicle with Honda in XXXX last year but I was told I had to put money down for my car but if the car and is being leased and Im getting a loan why did I have to pay cash

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
The Amex Business Platinum card features a benefit that offers up to {$200.00} in cash back for purchases with XXXX between XXXX and XXXX and XXXX and XXXX. I made a purchase with dell.com on XX/XX/22. The purchase posted in three transactions of 2x {$64.00} and {$74.00} on XX/XX/22. As of XX/XX/22 I have not received my cash back from this transaction. When I spoke to customer service they informed me that since the card was now closed ( correct ) I was no longer due this credit. However, I disagree with this assessment. The card was open at the time of the transaction ( clearly, or said transaction would have been declined ) and therefore the transaction would have been governed by the terms in effect at the time, i.e. the benefit offering cash back. In the same way that I as the card holder am liable for charges even after the account is closed, I expect Amex to liable for credits and benefits from when the account was open after it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
We are getting ready to paydown our Bank of America HELOC so i wanted to clarify what the deferred interest was that kept showing up in our statement. I also wanted to clarify what a particular transaction was in our transaction history online was since we haven't drawn from the line of credit sinceXX/XX/XXXX or XXXX. This transaction does not appear in our statement. I called customer service and I was told a 'case ' would be opened to look into the matter since they couldn't explain what the deferred interest was for. They also did not see the transaction I was referring to in their transaction history. Why does it show up in our activity online? I was told a copy of our transaction history would be mailed to us. We have heard nothing about the case nor have we received any transaction history documents.

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 2022-04-29 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: 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.

DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, US DEPT ED XXXX, US DEPT ED XXXX , USDOEXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, has violated my rights.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX  XXXX / {$790.00} / XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
This is my second complaint regarding Navy Federal Credit Union. I want to close my savings account. Their prior response says " XXXX XXXX is not eligible for new accounts or services until her loan accounts are paid in full. '' I don't want any new accounts with this credit union ; I want to close my existing savings account. Thank you and have a nice day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I created a Current account in XXXX and funded it with the maximum amount to take advantage of their advertised 4 % savings XXXX. My account was immediately flagged for fraudulent activity and my funds were frozen. I received an email from Current requesting documentation to verify my funds and identity. I provided that information to them the same day they requested it on XX/XX/2022. 

Every week, I followed up with their chat feature on the app to inquire about a timeline as to when their investigation would be completed. I would be connected to a XXXX who would do nothing but provide boiler plate pleasantries, dance around my question, and then proceed with saying they will " escalate the situation ''. All this did was bump the email chain following the investigation into my account. I have emailed Current multiple times, receiving no response. Every time I called their phone number, it directed me to their app. 

This went on for a month. I was tired of dealing with a company that lacks any sense of urgency or transparency regarding their investigation into the unfreezing of my account. I attempted to close my account today XX/XX/2022 via the chat feature on the app as stipulated by their terms and conditions/ user agreement. I expected to forfeit all the interest accrued in the account due to early account closure and have my initial deposit returned to me within 14 days via mail. The XXXX on the app was unresponsive to my request to close my account. I have requested that they close my account via email, as well. 

I want Current to follow through with closing my account and mailing me back my initial deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
PLANET LENDING IS NOT WORKING WTH ME AND MY SITUATION. I AM AWAIYTING AN APPROVAL FROM CA MORTGAGE RELIEF PROGRAM. PLANET LENDING SENT ME A MODIFICATION APPROVAL WITH A QUESTIONABLE PROGRAM THAT PUT ALL THE DELUNQUENT INTO A HOLDING ACCOUNT. I AM ASKING FOR ASSISTANCE WITH THE DELINQUENCY IF I SIGN THIS WITH MIGHT I ADD ONLY HAVE A WEEK TO DO SO I MAY MISS OUT ON THE GRANT FUNDS FOR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: MO

Complaint narrative:
In accordance with the fair credo reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 status 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 an open end consumer credit plan as late for purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: MO

Complaint narrative:
In accordance with the fair credo reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 status 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 an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I called chase and filed a dispute against XXXX XXXX XXXX. They answered the charge was too long ago in writing. Then asked for more info which I sent. They recently sent me another letter and it said claim closed, notifying other credit cards. I was so upset I tossed that 1. Thought I had no recourse. 
I texted them through my account 3 days ago and asked them to reconsider and just to try to back charge the company.. Hoping they would answer same way, more paper trail. But they called yesterday and the answer is NO. 
The charge is for {$7.00}, XXXX. It was made " XX/XX/XXXX '' but XXXX ( time of services ) IS " XX/XX/XXXX '' this year! I put $ deposit another {$200.00}. On A different credit card and have not tried to collect yet. 
I also have Travel ins. Through this credit card. I spoke to them also in XXXX and they say insolvemcy Not covered. The ins. Lady Said she shouldn't tell me this but stick to date of services. I did/have. I called back spoke to a manager got no where! My claim number is XXXX. I am also attaching 2 only paper trails I do have. They never added the amount back to my account as it says in 1 letter either Thank you XXXX XXXX ( aka XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: PLS GROUP, INC
State: NY

Complaint narrative:
Dispute a error transaction for a payment made on my account the problem occurred on XX/XX/2022 Service provided required documentation to resolve the transaction and obtain the amount being disputed I'd appreciate if someone could please help me with this account error as soon as possible

Company response to consumer: Closed with explanation