vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was contacted by a landlord for a rental property I inquired about online. They texted me and called me with all of the information. Had me to go online and submit my ID and I submitted a picture of my passport then I was instructed the application fee was {$75.00} and I also paid a {$400.00} deposit. I was then sent an email saying that I was approved to move in. I was also told my move in date is XXXX XXXX and I can meet them in person to pay my rent and get the keys and my lease for the house. I was contacted by the real management company for the house and I was confused and told them someone had already approved me for the house. They told me they don't know the person or the telephone number that I was called from and that I was scammed. I was also told I was given the incorrect amount of monthly rent and they told me the real rent of the house. I am worried because now this person has a picture of my passport and my amount info and my entire identity and now have my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally indicated in the CFPB response dated XX/XX/2023, that they had requested the consumer credit reporting agencies to update their records to reflect my account as paid in full. However, to date, my credit reports have not been updated. Ally continues to show a willful failure in reporting my payment history as paid in full, and as a result, I have had to put my personal financial needs on hold due to Ally 's inaccurate derogatory reporting on my credit reports. I have been experiencing this for 10 months and have not received a resolution. To date, my credit report states that " Account paid in full for less than full balance '', which continues to reflect a negative rating on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX decreased my credit by XXXX points in XXXX because they began including several closed written off accounts in the calculation of my total credit utilization. Credit utilization calculates what percentage of the credit is currently being used of your total available credit. It does not include closed accounts because you are unable to use credit if the account is closed. I verified with vantage that they do not use the closed accounts in this calculation. In XXXX XXXX included several closed accounts stating my credit utilization is XXXX XXXX and it dropped my score by XXXX points. Im only using XXXX dollars of my XXXX dollars available credit which calculates as XXXX XXXX. When I brought it to their attention they refused to do anything about it and said they cant do anything to change it and gave me no solution or suggestion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
This company has been calling me from a number that says " potential spam '' XXXX. They have called 6 times in 3 weeks. When they call they go over my birthdate and my name. They have never verified my address. But they tell me they are calling about a medical bill. I have asked them each and every time they have called as to what hospital this is through, because at the date of service they gave me I had 2 insurances that should have covered everything. They keep telling me XXXX XXXX XXXX. I have Never been to a hospital by that name. I have asked multiple times for a copy of the bill, I need to see proof where this is from. On XX/XX/2023 I got the call again at XXXX. I kept asking the rep over and over for the information for the billing. Instead he transferred me to the supervisor. The supervisor wanted to argue with me, I told him they must stop calling me until they can prove to me where this bill is actually coming from. The supervisor yelled at me, called me a XXXX XXXX XXXX' and hung up on me. at XXXX they called again, I refused to answer. and at XXXX they called again, I spoke to the rep. He stated he can not give me more information, as that is all they have. I got mad and hung up the phone. I am also going to file this complaint with XXXX. As I feel like they are not being honest and are now harassing me. They had called my husband the week prior and told him about a bill, and stated the same hospital, neither one of us never heard of this hospital. But they had talked him into paying a bill over the phone, he didnt understand his rights and was worried about it going to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: OH

Complaint narrative:
I have no knowledge of this accounts, XXXX  XXXX XXXX  XXXX, ACCT # XXXX, and XXXX XXXX, ACCT # XXXX but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Branch Messenger, Inc.
State: GA

Complaint narrative:
Attempted to withdraw funds from my XXXX account to my bank account. Transfers typically take XXXX business days. However, after 6 days have passed, the funds are not still not available in my bank account. It is currently XX/XX/2023. 

XXXX XXXX ID : XXXX Trace # XXXX Date of deposit : XX/XX/2023 Expected posting date : XX/XX/2023 Amount of deposit : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have received repeated calls from the Midland Credit Management, and each time I've informed them that I do not wish to be contacted by phone, only through written correspondence. On XX/XX/2023 I received five calls from them as of XXXX XXXX. On the last call, the agent used a blocked number and claimed to be calling from the " Treasury Department '' and it sounded like she was trying to use a different voice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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 numbers XXXX and 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 : This also states that a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I got email from XXXX  that attempt to create account, and account is created on XX/XX/XXXX without my authorization. I immediately called the bank and close but they don't have good way to prevent the fraud in the future. Another XXXX attempts were noticed since then.

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 2023-06-21 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: Nelnet, Inc.
State: CO

Complaint narrative:
In XXXX Nelnet reported XXXX of my student loan accounts as being 90 days late. I knew that my student loans should have been in COVID forbearance that was federally mandated, so I called Nelnet to find out what the issue was. I was informed that all XXXX loans had been sold to a private financial institution without my knowledge or consent, so they did not qualify for forbearance. However, upon speaking with the agents ( I called twice, and recorded both calls which I can produce if needed ), I was told that this was an error on their part and my loans were placed into the COVID forbearance. I was also told that the late payments ( which dropped my score over XXXX points ) would be removed, but they never were. 

In XXXX, XXXX I consolidated all of my loans and moved from Nelnet back to Great Lakes. I didn't check my credit report again until the beginning of this year ( XXXX ). Upon checking, I found that all XXXX accounts were reporting as 90 days late for XXXX, XXXX. I disputed their reporting at all XXXX  CRAs and they then moved the late payments to XXXX, XXXX. I disputed again a month later, and the late payments were moved to XXXX again. Upon the third dispute the late payments were moved yet again. However, they were reporting that I was on time the month prior to the late payments ( instead of being reported XXXX, XXXX, then XXXX  days late ), which is inaccurate reporting. 

I have also filed a complaint with the Department of Education and Nelnet has once again denied that they are reporting inaccurately, stating that those loans weren't part of the COVID forbearance - yet once I found the error in XXXX, those loans were put into the COVID forbearance immediately. Furthermore, how can federally backed student loans turn into private loans without consent or notification? These loans were not taken out as private loans, and so should have qualified for the COVID forbearance. I am confused about how this was permitted to happen, and am certain that my rights were violated. Finally, their reporting that I was on time XXXX month, and then 90 days late the very next month, which is an impossibility. 

Clearly, Nelnet has XXXX intention on reporting these accounts accurately and has made a game of moving around the late payments with each dispute. I am at the end of my patience with Nelnet and will likely proceed with litigation if the CFPB is unable to resolve this by having those XXXX accounts deleted from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reached out to Capital One In XX/XX/2023 to discuss hardship options. I advised them of my inability to pay. Capital One offered s Hardship APR reduction plan, under the false pretense they they were helping get the card current. I have been making the payments as agreed under the Hardship since XXXX until present. {$69.00} each month as been paid as agreed. This reduction would have kept the account current for 9 months XXXX payments. I noticed Capital Has started reporting this account past due and late for the past 90 days. This isn't what the representative told me when i set up the Hardship Payment Plan. Even Thought I am making the payments as agree they are still reporting me " LATE '' and PAST DUE. My credit has been crushed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates was requested to validate the debt by providing a copy of the original purchase agreement and the original billing statement with the itemized charges on the following Incoming Call log dates and time : XX/XX/XXXX, at XXXX from ( XXXX ) XXXX, XX/XX/XXXX, at XXXX from ( XXXX ) XXXX, and XX/XX/XXXX, at XXXX from ( XXXX ) XXXX. I mailed a written request for validation on XX/XX/XXXX. Portfolio misrepresented that they would provide these supporting documents and I had reasonable expectation to receive them within thirty days. This did not happen.

Portfolio did not provide sufficient evidence to authenticate their ownership claim but brought forth a lawsuit using a generic bill of sale which is only one page long and doesn't contain the purchase agreement. I also, make claim the following : ( 1 ) Portfolio lied that I made 3 payments on this account. No payment has ever been made. ( 2 ) Portfolio entered into evidence a fake Promotional Purchase Summary dated XX/XX/XXXX ; However, in the body there are transactions listed as XX/XX/XXXX and XX/XX/XXXX. This is deceptive and should not represent or replace a purchase agreement. ( 3 ) In conclusion, Portfolio Recovery Associates are purposely misleading and using the court system to bring forth lawsuits to intimidate a payment or a default in judgement. Portfolio is attempting to enter into evidence the validity of an unsubstantiated debt. Portfolio is also attempting to collect on a debt without offering to provide necessary documentation to the debtor and has misrepresented that it would provide the offered validation document within the 30 days. Portfolio has initiated a debt collection lawsuit without possessing required documentation ( Purchase Agreement ) to authenticate and legitimize their ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My wife and co-owner of the bank account went to log in on the Truist website. She received a notice that the account was compromised and that they would call her. She had been phished and over the course of half an hour, she downloaded software to the computer that gave the scammers access to the computer, and she gave them login information. We got Truist to freeze the account before any funds were removed. They told us we could come into the branch to fix the problem. 

When we arrived at the bank, we were told we had to open a new account ; however, our old account was grandfathered, and this new account had several fees, most notably atm fees, but additional checks and other fees were associated with the account. When we suggested we wanted our old account but with a new number, we were told we had to open a Truist One account ( the other was Signature Advantage ). When we protested, we were told that the only way to keep the features of the old account was to sign a statement saying we did not hold the bank liable for any future fraud. 

I understand that banks change products occasionally, but requiring an account that was compromised in a data breach to be switched to a whole new account structure is not reasonable. Since we have no choice but to stop using the old account, the new account should have the same fee schedule and benefits.

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 2023-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXX  XXXX XX/XX/XXXX Transunion, XXXX  XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXX TRansunion, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to dispute any responsibility for the fraudulent activity that occurred on my Chase Bank account. I recently discovered unauthorized transactions on my account, and it is imperative to clarify that I have taken appropriate measures to safeguard my account information and have not engaged in any fraudulent activities. I believe this incident is a result of a security breach or unauthorized access to my account. 
I have consistently maintained secure practices to protect my account information, including safeguarding my account credentials, utilizing unique and robust passwords, and regularly monitoring my account activity. Therefore, any unauthorized transactions are a clear indication of an external breach. Upon reviewing my account statements, I noticed several transactions that I did not initiate or authorize. As soon as I identified the fraudulent activity, I promptly contacted Chase Bank 's customer support to report the unauthorized transactions and initiate the necessary actions to secure my account. This demonstrates my commitment to resolving the issue and minimizing any potential damages. I am fully prepared to cooperate with Chase Bank 's investigation by providing any additional information, supporting documentation, or evidence that may assist in identifying the fraudulent activity and ensuring a swift resolution. Based on the aforementioned circumstances, I firmly believe that I should not be held liable for the fraudulent transactions on my account. As a trusted banking institution, I expect Chase Bank to thoroughly investigate this matter and take appropriate measures to rectify the situation promptly. I kindly request that you keep me informed throughout the investigation process and provide regular updates on the status of my complaint. I appreciate your immediate attention to this matter, as it is crucial to resolve this issue and restore the integrity of my account. I have always been a satisfied customer of Chase Bank and trust that you will handle this case with the utmost professionalism and commitment to customer satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted capital one and told them I made an uninformed decision regarding this consumer credit transaction. I informed violated my rights are a consumer and that Im Disputing validation of debt.

Company response to consumer: Closed with explanation