vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 a account with out my written instructions. XXXX. XXXX XXXXXXXX XXXX account number XXXX {$960.00XXXX XXXX XXXX XXXX number XXXX {$26000.00} XXXX & XXXX XXXX {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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:
Going by the FAIR CREDIT REPORTING ACT, the list of accounts below VIOLATED by FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( A ) ( 5 ) 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 7 years 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: GA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXXr XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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 2022-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: MT

Complaint narrative:
hillcrest davidson and associates LLC says i owe money for a service i never agreed or or received XXXX XXXX XXXX ). i got a debt collection letter in the mail on XXXX XX/XX/XXXX and the company says i owe {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Equifax 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 2022-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have a loan on my credit report and one that they keep trying to charge me for when I paid off all my loans in XXXX of XXXX When I took these I asked them if these are all the loans on mine and my co-signers account and they confirmed it was. Now currently they are saying I have one loan still on my account. But it doesnt appear on my co-signers account and at the time I was an unemployed college student with a low credit I would have never been approved for a XXXX dollar loan with out the co-signer. They keep harassing me and my co-signer. We refinance all the loans in XXXX of XXXX back when interest rates were low. But now with them high its just unacceptable. Ive tried to resolve this with the company but they are hostile and hard to work with

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: CarMax, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

On XX/XX/XXXX, CarMax Auto Finance responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$28000.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$28000.00} } for account number # XXXX to any of the credit bureaus. A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of XXXX. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Affirm issued a loan ID : XXXX, for {$600.00}. I only used {$300.00}, which is already paid. 
The loan is still active and there is another {$300.00} dollars scheduled to be paid in XXXX. 
Spoke to support, and a supervisor, which is very hard to do. 
They explained the loan is active because there is a {$5.00} dollar charge pending for 3 weeks. 
They say they can't do nothing about it. While I will be over charged. 
They suggested me to contact the merchant overseas, and resolve it with them which is not acceptable, as this should have executed, or aged out. The supervisor was somewhat rude, and unwilling to help, or do nothing. The digital assistance is useless, and the website, is useless as well. I got the phone number and contact information outside the website, as they make it impossible to contact a person. The system does not work, to send email/messages, as the loan was not found, and requires full id.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, Chime bank suspended my account without explanation. I contacted Chime bank initially on XX/XX/XXXX once I realized I could not access my account. They requested from me some verifying documents to prove my identity such as Drivers licence, proof of address, social security number, etc. I sent the information to their email ( XXXX ) and was told my account should be unlocked within XXXX hours. As of today, XX/XX/XXXX, my account is still lock with no resolution or explanation in site. This has caused me financial damages as I deposited my savings into this account which I can not access. I am facing eviction, I can not keep up with my credit card bills which will ruin my credit and most of all, its caused emotional distress. Im on the phone with Chime every single day to try to get answers or most of all, get access to MY MONEY, and i keep getting the same response ( they are looking into it ). I feel as though I am being robbed. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: GA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX XXXXankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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 2022-10-28 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: GA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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:
I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, TransUnion or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

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 2022-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am a Chime banking customer. I tried to use the approved atms per the chime app and the atm located to find atms that are in network and can accept cash. I was unsuccessful at 3 different atms. When I tried to use the automated system to ask for help I was unsuccessful and given the option to talk a representative. After being on hold for 10 minutes, I was transferred to someone who told me that having issues with deposits since XXXX prior. Although, no alert or email was ever sent to me. When I asked why I couldnt deposit money, I was told to give me money to the cashier who will charge my card with the amount that I wish to deposit. This goes completely against the instructions that the app and the automated support system advised. The person then asked me to go to XXXX and try several other ATMs around town, I asked them out right why it was not working and they were not providing a solution. I asked to speak to a supervisor and was told that the supervisor would not take the call. This bank is essentially lying to its customers about the ability to deposit cash into the ATMs, the company is not providing me with an answer and I want this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is a process server that was hired in my case XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX to legally serve me with a lawsuit. 

On XX/XX/2022, I was contacted by my sister. She informed me that XXXX XXXX XXXX went to my fathers house in XXXX XXXX, FL. According to my dad and my sister, XXXX was attempting to serve a warrant regarding a debt with XXXX XXXX. I have attached a picture of a text message that was sent to me by my sister. I asked my sister if she meant lawsuit instead of warrant. She said no- the person attempting to serve the papers to my father at the incorrect address referred to the papers as a warrant ( inferring an arrest or legal issues with the law ). In addition, it bothers me that XXXX XXXX XXXX gave my father specific information regarding my debt, including the amount owed and that the debt is due to XXXX XXXX. 

This is legally problematic due to several issues. ( XXXX ) XXXX XXXX XXXX members of my debt, who it is owed to, and the amount owed. ( XXXX ) The representative of XXXX that contacted my father, XXXX XXXX, referred to the lawsuit as a 'warrant ' to my father, possibly implying that I was in some sort of legal trouble with police. ( XXXX ) My father, the person to whom the process server spoke to at his home, is my abuser. My abusive father now knows about my debt. ( XXXX ) I have mental issues including XXXX, anxiety, and XXXX ( XXXX XXXX XXXX ) related to my family and my father. This incident, including having the incident reported to me by my abusive family, has caused me significant problems with my mental disorders. I had to temporarily increase my medication, and I had to make an emergency mental health appointment. Even typing about this incident and having to relive it in my head is causing me additional mental anguish and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
I live in Georgia and signed up with XXXX XXXX to install solar panels on my house in XXXX of 2022. On XXXX, XXXX XXXX sent a crew to install the system, and they said they be back to finish the installation as well as send the request for inspection and permission to operate. On XXXX, XXXX XXXX closed their doors and then filed for bankruptcy. Numerous attwmpts to contact them failed. 

I have contacted Goodleap about this several times, because XXXX XXXX triggered the loan payments to start even tho it wasnt even finished installing, and Goodleap has told me that yes, i owe the monthly payments. 

Ive contacted XXXX XXXX the manufacturer of the system, and they told me that i had to find an authorized company in my area to assume the work. There are none listed on their website as authorized dealers so i was told to XXXX solar companies. 

Ive contacted every solar company in my area, and none of them want any part of the system since its half installed and would need to be finished, inspected etc. 

So Goodleap wants me to pay {$34000.00} for a paperweight on my roof right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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 Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

On XX/XX/XXXX, XXXX XXXX XXXX responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$28000.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$28000.00} } for account number # XXXX to any of the credit bureaus. A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of XXXX. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.

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 2022-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
First, I was never put on forbearance during Covid pause and my auto-debit payments continued. 

I called Aidvantage on XX/XX/22 and XX/XX/22 to request refund for payments towards Direct Loans that I made during the Covid pause. According to government guidance, I am eligible for the refund. I called specifically to get this processed before my consolidation went through and before my loans were transferred to XXXX because I am applying for XXXX. 

I called Aidvantage on XX/XX/22 and found out that Aidvantage never submitted my refund request. This has made my consolidation/PSLF process even more complicated. If my refund was processed as it was originally requested, everything would have been included in the consolidation. Now, I need to re-submit another form to add reinstated loans. 

The Aidvantage phone representatives were not knowledgeable and gave me incorrect information on how to request refunds for eligible loans. In addition, they failed to process my original refund request in a timely manner. The loan servicing specialist who have been answering my emails have been very helpful and commendable and the only ones who gave me clear answers however I am unhappy with the customer service over the phone.

Company response to consumer: Closed with explanation