vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
In XX/XX/2022 I receive documentation that all XXXX XXXX  would be dismissed personal and federal student loans and I receive documentation stating what loan to be closed and the value an estimated to {$40000.00} which is still currently showing on my credit report I have contacted XXXX and explain to them that it needs to be removed and they will not remove it. This is making my credit report look bad because it still shows that I am in debt and additional {$40000.00} and I am not. My total student loan should be completely XXXX now and it should be reported so on my credit and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC
State: LA

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

In accordance with The Fair Credit Reporting act Sequium Asset Solutions Account # XXXX has violated my rights. 

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX U.S. Code & 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identify theft. 

My action was dispute with the companies wasn't getting no written notice or respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: CA

Complaint narrative:
In accordance with the fair credit reporting act convergent XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an 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 2023-01-01 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: CA

Complaint narrative:
In accordance with the fair credit reporting act convergent XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX is defaming my character by obtaining my information and furnishing it without my permission

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 2023-01-01 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: PA

Complaint narrative:
XXXX is defaming my character by obtaining my information and furnishing it without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have been making payments on my loans since XXXX. I started on a rate reduction plan and in XXXX I went off the rate reduction plan and paid the full amount of my loan due with normal terms. My payment was just under $ XXXX. The year of XXXX my payment went from XXXX to XXXX because my loans have variable interest. In XX/XX/XXXX I called to get on a different repayment plan. I explained I am a XXXX XXXX XXXX XXXX XXXX I do not receive child support or aide of any kind. I can not afford any more than a {$650.00} payment as I already am living paycheck to paycheck. I was then placed on an interest only payment plan that I set up reoccurring payments of XXXX to pull from my bank every month. Unfortunately, this interest only plan did not lock in my interest rate at the time. I found out recently that that has since changed right after that plan was set up. Interest only plans now lock in the interest rates. By XXXX my interest rates continued to go up and my payment was back over $ XXXX. The reoccurring payments that were set up now did not cover what was due and I honestly could not afford it. I received a phone call from Navient in XXXX looking to collect the short amount on my account. I explained my situation and express I could not afford to pay any more a month and asked about any other possible programs. He told me I was not eligible for any other programs because I was enrolled in the interest only XXXX and had to wait out the 6 months in that program. I received another phone call looking to bring my account current right before XXXX. I again explained my hardship and willingness to make payments, but needed a more reasonable payment. He told me he could get me cancelled out of my current program and after the holiday we would discuss and go over what was available for me. XX/XX/XXXX we resumed our conversation about a different repayment plan. He told me I was only eligible for an interest only plan and it would now be over $ XXXX. I explained I could not afford that much. He then tried to run numbers for a rate reduction plan. He collected my financial profile for the month ( I live pay check to paycheck, things are very tight ). He spoke to his supervisor and said there was nothing else they could do. I am willing to make payments and have been consistently making payments to Navient for years. After years of payment, I have not even started to make a dent in the amount I owe them and they continue to raise my interest rates and my monthly payment to unrealistic amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: ID

Complaint narrative:
Hello. Theres has been an illegal action placed onto my credit report. XXXX report. Possibly the others as well. This is an illegal action as Im currently in the middle of a bankruptcy XXXX XXXXXXXX which was filed on XX/XX/2022. As of XX/XX/2022 an illegal charge off entry has appeared by Prosper LLC on my credit reports. XXXX so far. 

A creditor can not place a charge off entry onto the credit report of someone who has filed bankruptcy, after the bankruptcy, filing date, during the bankruptcy, and after discharge. I am requesting that the credit bureaus be contacted and that this charge off entry be immediately removed. XXXX XXXX. Cell number XXXX XXXX XXXX. Prosper credit card number was XXXX XXXX XXXX XXXX. This is a an illegal action perpetrated by prosper LLC from what I discovered. I will also be contacting my attorney next week after the XXXX about this matter as well.

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 2023-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections
State: CA

Complaint narrative:
I received notice that I owe Bonneville Collections XXXXin regards to acct # XXXX I informed them that I was exercising my right to discharge debt under HJR 192 73-10. Also 18 USC 8 all debts are the obligation of the UNITED STATES. Also by being a third party debt collector they are in violation of the FDCPA ( Fair Debt Collection Practice Act ). Violations 806,807 ( 2 ) ,808,807 ( 11 ) 809,812.it has become a burden and creating stress which is causing physical damages to my body. Also they in violation of 15USC 1692 ( c ) a 15 USC 1692 ( b ) 2 b ( 5 ) 15 USC 1692 ( d ) 215USC1692 ( g ). This added stress is creating a hardship on me and my family. they told I have no rights and they are exempt from these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, we sent {$26000.00} from XXXX XXXX XXXX  to a JPMorgan Chase Checking account through an ACH transaction. The money was transferred through a 3rd party, XXXX. Typically, an ACH transaction takes 3 to 5 business days, which means the money should have arrived at JPMorgan Chase on XX/XX/XXXX. On XX/XX/XXXX, the recipient informed us that the money had yet to arrive. On the same day, we realized the recipient we had been in contact with was a fraudulent spammer, impersonating the actual recipient through a spoofed email address and duplication of invoices. We informed our bank, XXXX XXXX XXXX, and the 3rd party processor XXXX.XXXX  of the fraud case, and they issued a formal Fraud LOI Reversal correspondence to JPMorgan Chase. However, as of submitting this complaint, JPMorgan Chase refuses to respond to the LOI. Based on our evidence, the money was never sent to the fraudulent spammer, and JPMorgan Chase still possesses the fund. The evidence is 1 ) After seven working days, the fraudulent spammer complained that they didn't receive the fund. 2 ) When we communicated with the local Chase bank branch where the recipient bank account was located on XX/XX/2022, they informed us that the account was already closed and marked as fraud. This complaint is against JPMorgan Chase, which refuses to cooperate with the Fraud LOI request and does not officially clarify the fund 's status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
There were two charges on my account I did not authorize on my credit card ( discover card ) on XXXX for {$540.00} & XXXX {$400.00} plus fees comes to total of {$990.00}. XXXX department already decided they will not refund my money. I have submitted documents this was not me, yet they are not providing any proof this was me and not providing any documents of showing my signature on any documents. 

Discover card address XXXX XXXX XXXXXXXX, XXXX XXXX, OH XXXX Card Number ending XXXX TELE # XXXX XXXX XXXX ( XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: LA

Complaint narrative:
I TRY REACH OUT TO XXXX, TRANSUNION, AND XXXX XXXX XXXX ABOUT THIS ACCOUNT REPORT ON MY CREDIT REPORT. 

In accordance with the Fair Credit Reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidential under the 15 USC 1681. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX  # XXXX has violated my rights 15 USC 1681 section 602 A 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 accounts 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 2023-01-01 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: LA

Complaint narrative:
I TRY REACH OUT TO XXXX, XXXX, AND EQUIFAX CREDIT AGENCY ABOUT THIS ACCOUNT REPORT ON MY CREDIT REPORT. 

In accordance with the Fair Credit Reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidential under the 15 USC 1681. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 A 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 accounts 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 2023-01-01 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: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I obtain notice that there was a debt owed to said company. It is my belief that the debt was due to fraudulent activity. I tried with no avail to discharge the debt using my rights under HJR 192 73-10. and 18 USC 8 all debts are the obligation of the UNITED STATES. They are in violation of ( FDCPA ) Fair Debt Collection Practice Act 806 807 ( 2 ) ,812,15USC 1692 ( c ) ,15USC 6803,28USC 3002 ( 4 ) ,18 USC 3333,12 USC 1431. Civil rights violations 42 USC 1983,1985,1986,1988.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Payfare International Inc.
State: CA

Complaint narrative:
On XXXX XXXX I received an email stating a temporary 24 hour block had been put on my XXXX card. The block was not removed after over 24 hours. Contacted support and they said they could not fix it because the department who could was not in the office. The email stated to call support to have the block removed but did not list specific hours you had to call during. Was told someone would call me. They did not. I called multiple times and was given conflicting information about the appropriate departments hours and was again told no one could help. 
The initial claim of a 24 hour block was a lie and the solution in their email was also a lie. I can not access my earnings and earnings were not deposited ( which per the email should not have been affected ) The company has lied to me and is withholding access to my pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
I got XXXX statements form The CBE group saying I owed money to the us department of the treasury. I have no idea or clue to what this is for. I receive my medications from the XXXX XXXXXXXX and I pay my balance online to gov.pay. All my taxes are paid and current. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
XX/XX/2022 I applied online for XXXX XXXX and XXXX  account after reading eligibility requirements which I qualify because I live and work in Washington only to be denied by Chex System Inc for the reasons I will state # XXXX Time since last XXXX inquiry # XXXX Asset ownership history # XXXX closure history # XXXX XXXX closure payment history I also can't cash payroll checks at any grocery store plus it is also the same service for apartment screening this has been a over XXXX years of being discrimination denial and I would like to be compensated and cleared of these false allegations that have been a XXXX year shaming of my character and identity just because my last name is XXXX I really don't know what pricetag to put on a XXXX decade length of false reporting of my identity and character Chex System Inc XXXX XXXX relations phone # XXXX XXXX XXXX and Fax # XXXX XXXX XXXX correcting and clearing the false allegations would be life changing rather then making me feel that the XXXX at the end of my name has kept it this way for over XXXX years

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 2023-01-01 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:
Experian deducted XXXX points of my fico score cause my utility bill went up {$2.00}?. Its a shame Experian have so much illegal XXXX XXXX  to abuse fico scores.

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 2023-01-01 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: NC

Complaint narrative:
XXXX is unlawfully placing redundant data in the comments section on my Credit file. 

It is unfair and it is junk data. 

I demand that you delete this XXXX account from my credit file because XXXX keeps violating my rights. 

View the attached document- clearly junk data A the account already says charge off - they dont need to say it again in comments- They have done this for years and the NC DOJ wants to see my report. 

If XXXX is still on my credit reports when I wake up on Tuesday morning I am reporting XXXX to the NC Bar Association, and the NC Department of Justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX : I deposited a {$4000.00} cashier 's check at Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to my Bank of America checking account. The funds originated from my account at California XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, where I made a {$4000.00} withdrawal that same day. 

Bank of America placed an unreasonably long hold ( available on XX/XX/XXXX ) on my {$4000.00} cashier check from California XXXX XXXX XXXX, which is within walking distance of Bank of America branch. There is no reason that Bank of America needs to hold these funds all the way out to XX/XX/XXXX. Usually regular checks deposited are available 2-3 business days, and cashier 's check should be available next business day. I was not given notice of the long hold at time of deposit, as this delay has caused undue unexpected hardship and opportunity cost loss. 

I am requesting that Bank of America expedites the hold inquiry immediately, as the funds are available and there is nothing that Bank of America can not reasonably verify the same day or next business day with regards to this hold. The California XXXX XXXX XXXX XXXX branch is within walking distance of the Bank of America branch.

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