vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: AZ

Complaint narrative:
The following accounts are not mine, and these are fraudulent transactions of identity theft. 

1. XXXX XXXX services original creditor - XXXX XXXX- {$360.00} Date XX/XX/2023 XXXX. XXXX XXXX XXXX original creditor XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) Amount - {$6500.00} Date - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Amount - {$690.00} Date - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  Amount - {$1300.00} Date - XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I dont owe any collection company. I dont have a signed contact with any company. I request company to delete collection off my credit report asap They are also reporting collection as an open account on my credit report this alone is a fcra violation. Delete delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX has old information ( Old Addresses etc ). it is not showing a debt from XXXX as paid. 
15 USC 1692 ( A ), ( B ).

I am disputing the presentment because of violations against Federal and State Laws.

HJR 192 UCC 3-311 UCC 3-104 UCC 3-306 UCC 1-308 ( Without Recourse )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX has old information ( Old Addresses etc ). it is not showing a debt from XXXX as paid. 
15 USC 1692 ( A ), ( B ).

I am disputing the presentment because of violations against Federal and State Laws.

HJR 192 UCC 3-311 UCC 3-104 UCC 3-306 UCC 1-308 ( Without Recourse )

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 2023-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I, XXXX XXXX, recently purchased a XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX, Wells Fargo finance the vehicle. Purchased date XX/XX/XXXX. This vehicle has had problematic from a bad car battery, the ball joints collapsed, and the dealership told me that they replaced the brakes on the vehicle. Wrong. The vehicle needs rear brakes and rotor. The dealership refuses to reimburse for the repairs.

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 2023-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
Lender charged interest rates at 25 % the car after taxes & fees were $ XXXX plus interest at 60 months $ XXXX to a total of over $ XXXX. The lender did not notify me that they have rejected the title from the dealer as it has been almost 60 days since purchase of the vehicle. The vehicle had XXXX miles at purchase but the contract said XXXX when I informed them the dealer didn't apply the proper mileage on the paperwork they did not try to rectify the issue. Lender is working with dealer in deceitful practices to trap me with a vehicle that title has yet to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously denied and/or processed my XXXX application incorrectly. Mohela is not even processing my XXXX application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake. The attached employment certification form has been sent to XXXX and MOHELA on multiple occasions with no results. The most recent form was sent in XXXX and is still processing, however since the form was sent in XXXX and XXXX and was closed with no adjustment, I do not have confidence that it will finally be processed. I've attached copies of the forms. My SSN and DOB have been redacted for my security, however they are present on the forms that were submitted to XXXX and MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
In the month of XX/XX/2023 we made an appointment to meet with a bank specialist to assist with the errors made on the accounts with the atm cards that were sent were to wrong card numbers and they did not coincide with the mobile app for US bank another attempt was also unsuccessful to correct these issues and it has been overlooked for too long.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I dont owe any collection company. I dont have a signed contact with any company. I request company to delete collection off my credit report asap They are also reporting collection as an open account on my credit report this alone is a fcra violation. Delete delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: WA

Complaint narrative:
I was a victim of identity theft in XXXX. This resulted in unemployment and credit card fraud with XXXX companies. The unemoyment fraud has been remedied but it has been extremely difficult removing the XXXX credit cards reported to my report. Debt collectors continue to attempt contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: AL

Complaint narrative:
Credit karma have been misleading me for years about being approved for cards. I had trusted them for the information that I was giving. But I started to realize that something was not right. I was always being denied I was told that the system is down for the moment, it's a mistake, it's common, I was going to be granted the cards that I was offered and pre-approved for just give it time. I trusted and trusted credit karma and then my score starts to decrease it actually when down until they literally disappeared over night. My credit score is all I had to unlock future opportunities. Not anymore they are XXXX and XXXX these scores was XXXX and up. I never had any cards because I was not going to be a person who has ruined credit in younger years. I am not sure why I was misled by the company. I have no credit due to credit karma. I contacted them for the incident, I explained to them in very specific details. I was sending emails and speaking through the chatting tool on the site. I have given them time to get my credit score issue to the company 's corporate office to deal with the situation. I have not received any response from the credit karma office or leaders. I have been a victim of misleading information, I have not received any cards I was approved for, I definitely haven't heard from credit karma team about the so called mistake I was mistakenly put in for me not receiving my pre-approval cards. I have letters stating that I have to redo applications for the cards and I will have them shortly. I have been looking for help with this situation. I am very concerned about why I have been a victim to falsely information which caused me terrible outcomes to having stressful days and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023, I mistakenly transferred funds- {$37000.00} - from my current XXXX checking account ( account no. XXXX ) to a prior XXXX XXXX checking account ( account no. XXXX ) that has been closed for approximately 10 years, but was still linked in my XXXX account. XXXX has confirmed that they recycled my XXXXXXXX XXXX checking account ( account no. XXXX ) and that this account is now with another consumer. However, XXXX will not return my funds and is insisting that XXXX dispute and/or recall the transfer / funds in order to process the return of my money, but XXXX is refusing to dispute or recall the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I purchased this vehicle in XXXX through XXXX XXXX XXXX. During the signing I was told that I was to put down {$1500.00} and a trade of my XXXX XXXX. I informed them that I did not want the gap coverage. I was not only charged for gap coverage they added extra items onto my account such as warranties and auto maintenance coverage. I was not told they were adding these fees under financing. When my wife looked over my forms she discovered all these erroneous fees. Approximately a few weeks after purchasing my vehicle, the dealership went out of business. I contacted Credit Acceptance to ask them to remove and reimburse me for the fees charged. I was told that they don't refinance and that they can't take off the excessive fees and maintenance that I was charged. I have now retired and am XXXX and I can't continue making these extra fees. I would like an investigation into this and I would appreciate any assistance you could provide. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
-previously payments where send thur XXXX XXXX pay on the 1st of each month and arrived with in 2 days -payment was send on XXXX but was not accepted Amex had requested XXXX send a paper check which took 9 days and arrived on XXXX causing a 'late payment ' and {$29.00} late fee XXXX called Amex and reported the problem after investigation and discussiong with XXXX XXXX. XXXX said Amex had requested a 'paper check ' which arrivied on XXXX and could not be late! 
-payment was send on XXXX but again was not accepted by Amex causing a {$40.00} late fee -other banks have historically used this fraud scheme to over charge and add late fees -as of today XXXX i will not longer send payments to Amex -Amex has defrauded me before with this scam and other scams similar

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: FL

Complaint narrative:
I have been unsuccessful disputing this information with the company directly so I am seeking your assistance in this matter. 
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. 
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 DUPLICATE The above accounts have violated my rights according to 15 U.S.C. 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. This needs to be removed immediately.

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had two 0 % APR balance transfers on my chase credit card ending in XXXX. I made a couple of purchases on that card accidentally and setup a chase pay on it. When I set up the chase pay, it gave me the option to select interest saving balance for automatic payment to pay the minimum due + the chase pay due. It was not clear that even 0 % APR balances would be included in that as they would not accrue interest and seemed like would not be included in the interest saving balance. 

In any case, as soon the automatic payment was sent to my bank on XX/XX/XXXX, I realized the issue and stopped the payment. At that time, I spoke to chase and was told that was the only way to correct the payment and that once the payment was returned I should manually submit another payment. The payment was returned and I assumed that everything was fine and made a manual payment. I was not charged any interest on my XXXX statement and hence assumed everything was resolved. 

However, on the XXXX statement I noticed I was charged interest and reached out to the customer service and thats when I realized that when the payment returned somehow my balance transfers were made into purchase. I escalated this issue so the balance could be properly bucketed back as balance transfer and not a purchase. 

I received a letter stating that the balance transfer promotions could bot be restored to my account as too much time has passed since the balance transfer was submitted. I am not sure they understood the issue correctly. The balance transfer were initiated in XX/XX/XXXX and XX/XX/XXXX. But they were incorrectly bucketed as purchase after the payment return in the XX/XX/XXXX statement. I believe that a balance could not be just made as purchase when I did not actually make a purchase. I have following issues 1. I did not make a payment to pay off my balance transfer. It was done by chase auto pay tool which was not clear that it would pay off the entire balance including 0 % balance transfers 2. Then, when the payment was returned it was incorrectly labeled as purchase instead of balance transfer.

I would have gladly accepted returned payment fees as that was my mistake, but charging the interest and also ending the balance transfer was not fair.

So, I would request you for the following resolution 1. Either bucket the balance into the original balance transfers and refund the interest 2. Or, I can pay off the entire balance, but it is only fair that the interest be refunded and balance transfer fee adjusted for the period left.

I appreciate your time in understanding the issue and hope we could reach a fair resolution. Thank you and let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: NJ

Complaint narrative:
This Account on my credit report is frauds and should not be on my report. A car was financed in my name fraudulently and was not authorized by me I was a victim of the XXXX  Equifax data breach and my identity has been stolen and used back in XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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.
State: WV

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Have equity line of credit account ( $ XXXX ) with Citizens linked to a checking account that exists only to support the HELOC. 

Annual fee on HELOC was paid automatically out of checking account and triggered a minor overdraft ( {$20.00} ). Citizens sent out e-mail notice XX/XX/XXXX ( a Saturday ) notifying me about overdraft and suggesting I have until XX/XX/XXXX ( Monday ) at XXXX to make an eligible deposit or transfer. I transferred funds the same day online ( XX/XX/XXXX ) as suggested to balance the account. I did not receive any further communication since and assumed the matter was taken care of. 

On XX/XX/XXXX, I noticed that Citizens had charged me {$35.00} on XX/XX/XXXX in overdraft fees, another {$30.00} on XX/XX/XXXX and yet another {$30.00} on XX/XX/XXXX. 

I called the bank the same day asking to reverse the fees in their entirety, which they declined. {$95.00} in fees for a {$20.00} overdraft is not in a reasonable proportion, especially given that I followed their recommended solution.

Company response to consumer: Closed with monetary relief