vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 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 pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-03-20 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: TX

Complaint narrative:
in accordance with the fair credit report act. capital one account # XXXX has violated my rights. 

15u.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 2022-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Received a letter From Credit Collection Services about a debt that I supposedly owed from XXXX XXXX the company that hired them. I do NOT owe This collection agency OR XXXX ANY MONEY.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I contacted Bluebird Amex prepaid credit card company numerous times. My card has expired and I merely need a new replacement card with an updated expiry date. The one I have currently expired on XX/XX/2021 They keep giving me the run around. Today I called and they said that the address they have on file is not valid. I have lived at the same address which they have on file for nearly XXXX years! This is such a stupid issue & I just don't understand the gameplay. I have money on the card and can not use it because of the expiry issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20 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.

Complaint narrative:
Im having a issue with Experian and XXXX refusing to remove false late payments and false debt amounts. I have disputed the item several times. I have disputed items so much Im blocked from disputing the item. They are in direct violation of 15 U.S. code 1681b permissible purpose of consumer reports. I didnt not give anyone written instruction to furnish a report on me. I was told they didnt need my permission, which is false Second violation 15 U.S. code 1603g the consumer is the creditor, thats me so why are they reporting fraudulent debt. 42 U.S code 408 asking for a social security number on any credit transactions or loan because there is no lawful money is a crime. Clearly these company are violating all the consumer laws and reporting fraud. All debts are obligations of United States 18 U.S code 8

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 2022-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I XXXX XXXX XXXX entered into a consumer credit transaction with CAPITAL ONE AUTO FINANCE on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CAPITAL ONE AUTO FINANCE took cash. The finance charge is suppose to include insurance but CAPITAL ONE AUTP FINANCE made me purchase insurance separately. CAPITAL ONE AUTO FINANCE is also obligated to disclose information about rescission pursuant to 15 USC 1635. In fact, CAPITAL ONE AUTO FINANCE told me I had no right to rescind in a statement called " COOLING OFF PERIOD ''. CAPITAL ONE AUTO FINANCE furnishes my consumer reports with XXXX party organizations without my written consent pursuant to 15 USC 1692c ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number : 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 15 U.S.C 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

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 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I paid off my credit card but my physician was unable to perform my procedure and had to refund me. He stated that Synchrony Bank would not allow him to refund me directly so he not refund me the {$8500.00} dollars and would have to send it Care Credit/Synchrony bank . The credit showed up on my Synchrony account within 3 days and I have contacted them 3 times each time waiting 15 days for my check to be received, for a total of over 45 days to no avail. I have been told repeatedly that my check is being sent and I have not received it yet. I am told repeatedly every time I call that they do not know why my money has not been released to me. Last week XXXX XX/XX/XXXX my 3rd attempt, I spoke to a supervisor named XXXX who stated that she would be personally handling my case and would escalate the issue and call me back within 48 hours for a resolution and nothing from her. Please help me,

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 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, I received correspondence that I allegedly owe a debt to Chase. I have sent out letters with no response, I also have copies notarized of all the letters I have sent. I'm a XXXX XXXX raising and taking care of a XXXXyear-old, and truthfully Chase I truly do not have time for this XXXX. Please, Chase Executive Office, look into this and if required have someone else as well. I was a victim of fraud, and I wanted to continue my partnership with Chase and become a J.P. Morgan Client, for which I now have the required assets to do so XXXX XXXX. But, I will not pay an alleged debt where I was a victim of theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: DISCOVER BANK
State: TX

Complaint narrative:
in accordance with the fair credit report act. XXXX XXXXXXXX account # XXXX has violated my rights. 

15u.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 2022-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.

Complaint narrative:
First, this page keeps reloading and I have typed this out XXXX times. 
Then, AIdvantage has charged my account and instantly made the charge overdue. Each loan was charged {$1.00} for both the months of XXXX and XXXX. My account is overdue when it was supposed to be in forbearance with {$0.00} payment due each month. 

When I try to contact Aidvantage about the problem, it is impossible. I live overseas and am unable to make international calls as this is expensive and time consuming. When I try to email via the Contact Us function, there is ALWAYS AN ERROR and the message does not get sent. There is no way to contact the company to resolve the issues and prevent them from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I had a store credit card with XXXX issued by Comenity Bank last year that I attempted to pay off and close in XX/XX/XXXX. I called Comenity on XX/XX/XXXX to pay off and close my account and the representative said I needed to pay off the balance of {$200.00} to close my account. I paid that amount over the phone using my debit card and was assured that the account was closed and nothing more was owed. My XXXX  and I also moved that month and didn't begin receiving forwarded mail for over a month. By that time, I hadn't received any mail from XXXX and had assumed that my account was closed and paid off. I received a statement in XX/XX/XXXX from XXXX and much to my surprise found that I owed a balance of {$75.00}. I called Comenity to see why I owed this money and was told that accrued interest of {$2.00} wasn't included in the {$200.00} that I paid on XX/XX/XXXX, and interest and late fees had accrued each month since. I went ahead and paid off the new amount because I just wanted to be done with it and was assured it would not happen again. The very next month, I received ANOTHER statement saying I owed {$2.00}, so I immediately called Comenity Bank who removed the {$2.00} charge and finally left me with a XXXX balance, which is what I intended and was told would happen last year in XXXX. I feel that Comenity was misleading in telling me that the balance would be paid off when accrued interest wasn't included in the payoff amount, and it seems borderline predatory to then charge late fees and additional interest on a {$2.00} balance that never should have existed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-20 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
in accordance with the fair credit report act .the following accounts have violated my rights. 

! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) portfolio recov assoc account # XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Im having a issue with XXXX and transunion refusing to remove false late payments and false debt amounts. I have disputed the item several times. I have disputed items so much Im blocked from disputing the item. They are in direct violation of 15 U.S. code 1681b permissible purpose of consumer reports. I didnt not give anyone written instruction to furnish a report on me. I was told they didnt need my permission, which is false Second violation 15 U.S. code 1603g the consumer is the creditor, thats me so why are they reporting fraudulent debt. 42 U.S code 408 asking for a social security number on any credit transactions or loan because there is no lawful money is a crime. Clearly these company are violating all the consumer laws and reporting fraud. All debts are obligations of United States 18 U.S code 8

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 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
A revolving credit account was opened with Navy Federal Credit Union on XX/XX/2007, in the amount of {$500.00} utilizing me as a co-signer. However, I never gave any XXXX permission to use me as a co-signer nor did I have any knowledge of this. I recently found out about this ( XX/XX/2007 ) when I applied for a home loan and was denied because this account was in collections but i never knew about this account. So here are the major issues : -The fraudulent account was started on XX/XX/2007 - At the time I didn't have a bank account with any financial institution at the time. I was XXXX XXXX XXXX, getting ready to join the Navy ( XX/XX/2007 ) and I was planning on getting a bank account with Navy Federal then. 
- I did not get a bank account with Navy Federal Credit Union until XX/XX/2007 - Once discovered I did file a police report with XXXX, XXXX in XXXX ( incident report # XXXX ) - I was also informed by a Navy Federal representative that in order for a loan, revolving credit, or credit card application with a co-signer to be approved, the co-signer also has to have a Navy Federal bank account. Which I did not have, I didn't have a bank account at all. 

After talking to a customer service representative at navy Federal I was given a copy of the fraudulent revolving credit application and on it displayed the individual 's name that applied for the revolving line of credit and my forge signature and nothing else. Their was no date of birth, social security number, or any other financial institution information. So, I don't even understand how this was approved in the first place. I have been back and forth with Navy Federal about this issue now for several weeks and they don't seem to care or have a sense of urgency in the matter. Please Help Me With This Issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
Ive tried to resolve the late payment issue with fed loan servicing but their refusing to assist me. I suffered a terminal illness back in XXXX which I was unable to make my monthly payment. Again in XXXX I was hospitalized with XXXX  XXXX which caused me to miss XXXX months of work. The student loans were paid off and consolidated with another company. Fed loan servicing is refusing to remove the late payments. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello, I recently received a letter stating my Fifth Third bank account is being permanently closed after someone stole an excess of {$800.00} from me. For reference, I sold a game system, and someone off of a local marketplace offered to pay above the listing price for {$1000.00}. Turns out, the Money Order was fraudulent, and my bank account is negative more than {$400000.00}. I messaged Fifth Third through the app once I was made aware of the negative balance, and was then locked out of my account. After waiting until XXXX, I called and was informed I would not be liable for the large negative amount in my checking and savings, and that by a XXXX representative my bank account relationship will not be closed. So my question is this, what time of miscommunication XXXX is going on? I'm XXXX, a XXXX XXXX, and I'm raising a XXXX XXXX-year-old. I truly, truly do not have time for your XXXX. Furthermore, I received a letter stating that I owe Fifth Third around {$15.00} for a fraudulent deposit, which I was a victim of and lost considerably more money than a company that has billions under management. Could you explain this to me where it can make sense? Also, pursuant to XXXX if you at all, furnish anything negative on my consumer credit report. I will take you to court. I understand mistakes happen but fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Iwas apart of XXXX, XXXX and XXXX data breach from XXXX to XXXX also found my info on dark web in which my identity has been used to get credit and now in have collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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 Credit Reporting act XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number : 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 15 U.S.C 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

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 2022-03-20 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 Credit Reporting act XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number : 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 15 U.S.C 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Conn's, Inc.
State: TX

Complaint narrative:
in accordance with the fair credit report act .the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX conn appliance XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: DISCOVER BANK
State: TX

Complaint narrative:
in accordance with the fair credit report act .the following accounts have violated my rights. 

! ) discover bank account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-03-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation