vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't any investigation results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
There are accounts on my report that do not belong to me. The first one is from XXXX XXXX XXXX with the account number XXXX. The second one is AM HONDA FIN with the account number XXXX. Third is XXXX with the XXXX account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
There are accounts on my report that do not belong to me. The first one is from XXXXXXXX XXXX  XXXX with the account number XXXX. The second one is XXXX  XXXX XXXX with the account number XXXX. Third is SANTANDER with the XXXX account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been disputing this account with XXXX XXXX XXXX XXXX Equifax, and XXXX for months. The bureaus claim XX/XX/XXXX claims if accurate yet, all companies have refused to supply me with the method of verification and or any written contracts with my signature. According the the FCRC and Maryland state and Federal laws I have the right to have and review those contracts if any. If they don't have them then it accounts must be deleted. If XXXX XXXX did supply the bureaus with any information they did so under a ceased and deist order with was sent certified mail on XX/XX/XXXX and again XX/XX/XXXX If such information was provided under this order that is grounds for District Court withXX/XX/XXXX and all 3 credit bureaus for obtaining medical  information without my consent. At this point I was these account deleted not updated and I will seek damages of $XXXX  per violation per company (XXXX XXXX XXXX XXXX EquifaxXXXX and XXXX.
 Defamation
 Negligent Enablement of Identity Fraud
 Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8) Violation of the Fair Credit Reporting Act (including but not limited to Section 623-b)

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an email and a voicemail from XXXX XXXX letting me know that there was a credit inquiry associated with Capital One. I called Capital One, and the representative confirmed that someone tried to open a credit card in my name, and that they would look into the problem. Please note that someone tried to open a credit card in my name at Capital One last year as well, also in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: NV

Complaint narrative:
I signed up for a company named " American first finance '' to help furnish our new home because paying out of pocket wasn't an option. I was told that my balance for the couches i bought was XXXX XXXX i was NOT informed of any other charges after a certain amount of time. Recently i noticed that I've been paying this off for longer than i had thought so i logged into my American first finance account and it stated that i still owed almost XXXX $ more. I referred back to the email agreement and in a separate email i wasn't aware of being sent it said if i didn't pay off the XXXX $ within a month and a half an additional XXXX $ would be added to my remaining balance. I tried contacting the company to ask why they're trying to charge me two times more than i actually bought the couches for and they told me they cant do anything about it and refused to give me any information regarding my account. I then did some research on this company and a lot of people have been having issues with them fraudantly stealing money, charging their account more and adding more to their bill with out acknowledging the customer. I refuse to continue to make payments on an account that should have already been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: TX

Complaint narrative:
I am, XXXX XXXX, consumer in fact. The Department of Education Navient accounts are being reported inaccurately as 90 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX and 120 late on XX/XX/XXXX. How can there be such a big gap in alleged late payment dates? This is inaccurate information. 

How can I be reported OK on XX/XX/XXXX and be 90 days late on this alleged debt on XX/XX/XXXX then 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX? How is this being reported accurately? It is not. 

There is another inaccurate reporting from the Department of Education-Navient alleged debt, How is it reported OK on XX/XX/XXXX then 90 days late on XX/XX/XXXX and 120 days late XX/XX/XXXX? How is this being reported accurately? It is not. 

The Department of Education- Navient accounts are also in violation of federal law because when I disputed the inaccurate information it was not noted on my consumer reports as consumer disputes information *Cited from Violation Notice sent to Navient* *I have attached Violation Notice that has breached the 30 day response* *I have attached my government issued identification*

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: DISCOVER BANK
State: IN

Complaint narrative:
I have been inundated with promotions and advertisements from Discover Card. Mailings two to three times per week over several months telling me I was preapproved for a Discover credit card. Simply apply online to the address give. Finally, I did on XX/XX/XXXX. I then received a message telling me to call a number for additional information. When I did, I was asked to give Discover access to my income tax returns. I refused and decided to withdraw my credit card application. On XX/XX/XXXX I received a letter from Discover saying my application had been denied. I have called the company three times regarding this situation as they had already done a hard check on my credit which now appears on my credit report. I have asked why the letter didn't say I withdrew the application but did not receive a satisfactory reply. Apparently this is just how they do things. I feel their advertising methods border on harassment and are misleading and dishonest. Since I originally spoke to a Discover rep on XXXX XXXX and asked them to stop the mailings, during the period of XX/XX/XXXX to XX/XX/XXXX I have received 4 additional mailings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
Dear CFPB ; I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments most recently on XX/XX/XXXX and XX/XX/XXXX in addition to other years and they ; FedLoan Servicing are unable to provide clear answers. I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix the ones that should have been fixed. My records show that I should have qualified for the Public Student Loan Forgiveness program XX/XX/XXXX. However, I currently have only XXXX qualifying payments identified through their tracker, with XXXX that need to be manually reviewed dating back to XXXX, and over 20 that are stated as ineligible for qualification. If the XXXX that need manual review could be reviewed it's possible that I would have my 120 qualifying payments now. With the change with providers I believe there was error with tracking of my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been disputing this account with XXXX XXXX XXXX, TransUnion, XXXX, and XXXX  for months. The bureaus claim XXXX XXXX claims if accurate yet, all companies have refused to supply me with the method of verification and or any written contracts with my signature. According the the FCRC and Maryland state and Federal laws I have the right to have and review those contracts if any. If they don't have them then it accounts must be deleted. If XXXX XXXX did supply the bureaus with any information they did so under a ceased and deist order with was sent certified mail on XX/XX/2021 and again XX/XX/2021. If such information was provided under this order that is grounds for District Court with XXXX XXXX and all 3 credit bureaus for obtaining medical information without my consent. At this point I was these account deleted not updated and I will seek damages of $XXXX per violation per company (XXXX XXXX XXXX, TransUnion, XXXX, and XXXX. Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8) Violation of the Fair Credit Reporting Act (including but not limited to Section 623-b)

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 2021-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank has a vendetta against me because I have complained against them. Unfortunately I have 3 Citi Bank Credit Cards. Limits were {$3000.00}, lowered to {$500.00} illegally ; Home Depot {$4000.00}, lowered to {$500.00} illegally and Sears, {$4000.00}, just lowered to {$250.00} all without proper notice just because gave an earned feedback of zero! How can I get Citi Bank to stop victimizing me and leading low credit score and then using it as an excuse to keep lowering my limits without notice? Please help me with a referral to fraudulent financial abuse.

I have 4 good banks that increase my limits rather than increase, XXXX XXXX, 3 accounts ; XXXX XXXX, 2 accounts, best bank ; XXXX  XXXX, XXXX accounts and XXXX XXXX! I only get financial rewards from these banks rather than financial abuse acts. Just because Citi Bank is an international bank does not give them the authority to victimize, abuse, and subject us severely XXXX XXXX XXXX  to unfounded and discriminatory abuse! All of these has lead me to a bad score leading to losses of thousands upon thousands of dollars of low interest opportunities. Because of Citi Bank 's illegal acts, I don't qualify! Prior to all of these unjust victimizations, my score was XXXX, but XXXX turned our finances off illegally but then Citi Bank has followed illegal suit! I still make all my payments on time where the companies has not prevented me to access my accounts, because some have!

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 2021-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: TX

Complaint narrative:
For more than three years I have been the victim of an abusive practice by First Federal Credit C. which has not stopped reporting to the three major credit bureaus a medical debt that does not belong to me even though the information they maintain in their files does not match my identity at all nor does it match the information they maintain on file with the credit bureaus, which I was able to verify through information obtained from the original creditor XXXX XXXX XXXX XXXXXXXX  when I submitted this account through XXXX on XX/XX/XXXX and contacted both companies in order to resolve the situation. 
FIRST FEDERAL CREDIT C Original creditor : XXXX XXXX XXXX XXXXXXXX {$440.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: Avant Holding Company, Inc.
State: GA

Complaint narrative:
The company is AVANT. I disputed this AVANT account as fraud back in XXXX AVANT did remove the fraudulent account from both my XXXX and XXXX accounts. AVANT has been however reporting actively month over month as a charge off account since that time on my XXXX account. This has been affecting my reputation and credit profile negatively. I am demanding that all reporting attempts on this fraudulent account cease and desist and be immediately deleted from my XXXX and credit profiles permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis Risk Solutions violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681 ( a ) ( 4 ). Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ) its clear that that a consumer has a right to privacy, but Congress never defines what privacy is because only I the consumer can define what's private to me. LexisNexis Risk Solutions going out and fishing for negative information about me is an infringement upon a consumer 's right to privacy Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). Also, the Court doesn't disclose information with no " bureaus '' I included a letter from the court stating this. Next, LexisNexis Risk Solutions did not have Permissible purposes or my written instructions to furnish a consumer report using my non public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A JPMCB CARD ( Chase ) appears on my report for more than 150-180 past due days and they are still reporting it to the credit reporting agencies and are trying to collect interest and late fees on this account. By legal right and by the Fair Credit Reporting Act this account needs to be charge-off or delete from my credit report " WELL TO KEEP GAINING INTEREST FEES AND LATE PAYMENTS FEE THIS COMPANY IS NOT REPORTING THE ACURATE DATES TO THE CREDIT REPORTING AGENCIES ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NY

Complaint narrative:
WE HAVE BEEN ON DO NOT CALL REGISTRY SINCE XX/XX/2003. WE CONTINUE TO RECEIVE SPAM CALLS FIVE OR SIX TIMES A DAY. PLEASE MAKE IT STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: FL

Complaint narrative:
Experian, XXXX and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX, XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fl 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 2021-10-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Filed a dispute with Capital One XX/XX/XXXX about a music fest that closed and the company went insolvant and no longer a company they gave me provisional credit for that music fest and applied it to my account balance but dod not give me the credit in my available credit for the past few months I have called about it and every time i get an update its different every single time i get the runaround. I closed my account with XXXX his id # id XXXX he claims hes a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: PNC Bank N.A.
State: AZ

Complaint narrative:
Previous complaint filed with you guys XXXX This is ridiculous the bank keeps saying.they need more time but there are time-frame to follow and they're not. So what do you guys do to help??? It's been 2 or more months since I first filed complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am an identity theft victim who's right on the federal law have not been protected. Over the course of the last three to four months I have worked vigorously to correct the damage to my financial reputation. I've even had the assistance of several restoration specialist from XXXX in particular aid in this endeavor. Yet as of today these items and many more now are still present on my credit report that serves no purpose other than to cause inflammatory prejudicial harm to my financial reputation and credit reports. Be outright benign effort on behalf of XXXX and transunion to throw up federal laws in regards to my identity theft case that's prevented me from securing funding for my business as well as to purchase a vehicle. I'm a single XXXX   of XXXX  XXXX  without a vehicle for transportation and my financial accounts have been drained to nothing. I have supplied the necessary police reports, FTC affidavits, as well as verification of my personal identity. There are federal laws and state laws as well that govern how they are supposed to deal with identity the victims yet in my case they have not been adhered to nor respected at the very least. Clearly no one individual can purchase five to six vehicles within a two and a half year period of time and default on all as one example. In fact as some items have been disputed and deleted multiple other practitioner accounts for added to my reports with malice. In those situations some of the same items that are on my credit report in XXXX some which were deleted as a result of the shoes they are now resurfacing again on my credit report and valid debts. There has to be some level intervention by some entity that can help in the resolution of this horrific nightmare. So far transunion and XXXX particular have not accepted that responsibility.

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 2021-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ

Complaint narrative:
I had an existing loan with cash 1 from a few years ago. I paid on time and never defaulted. Over the summer of 2021 they stated that I renewed my loan and re-borrowed over a XXXX dollars. I explained that over the summer my phone was stolen along with my bank cards, I had a wallet phone case. I cancelled all cards and advised cash1 that they withdrew the wrong monthly payment amount. They stated that I borrowed more so my loan went up. I asked them for documentation to prove that it was me who asked for the loan, they couldn't provide it. In the past they've asked for a car registration, id, bank statements, a current paystub, and 3 references which they call on the spot. I spoke to their legal team who were condescending and lied that they had me on tape walking in and getting the loan. They also lied that they had current documents to support that I asked for that refinanced loan. They haven't provided any documents to support their claims and refuse to negate the new balance. They also went on to verify a new employment of mine and stated they could garnish wages meanwhile they never contacted me about resolving this issue prior, which I know is illegal. They now won't take my calls which is odd since they harassed me all the time in the past years even though I was making timely payments. They're preditors and do shady business. High interest loans that exceed the norm. I want them to remove the fraudulent loan. I would be willing to pay the original loan from a few years back without the fraudulent loan added on although, due to their extremely high interest, I've already paid that loan over and over.

Company response to consumer: Closed with explanation