vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX. I am making this complaint of my own accord and do not consent to XXXX verification. In response to CAPITAL ONE BANK reporting inaccurate information to three of XXXX. I have contacted CAPITAL ONE BANK to produce proof pursuant to rule 1002, of an original contract. It has been more than 180 days. I never received full disclosure from any of the companies mentioned that my personal non public information would be used in this deceptive way. Pursuant to 15 USC 1692g I am to be provided with the correct validation by CAPITAL ONE BANK of a " debt '' the alleged is " owed ''. Given that I have contacted not only CAPITAL ONE BANK but XXXX, XXXX, and XXXX more than 180 days ago to dispute and have them correct their error, 15 USC 1692g ( b ) subsection ( a ) states that they should cease and desist all communications, verbal and written until the disputed " debt '' is validated.15 U.S. CODE 169f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the " debt '' or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Turner Acceptance Corp.
State: PA

Complaint narrative:
I was the victim of Identify theft I have things on my credit that I do not have knowledge of and did not authorize. I am unable to move forward in any aspect of my future

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: TX

Complaint narrative:
I loaded {$500.00} on a card. The company refused to register my account and stated they would refund the balance via check. I never received the check. Additionally, the company representative stated that a {$5.00} fee was removed from my balance. I did not agree to this fee. The only fee I agreed to was {$1.00} at the point of sale.

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 2021-12-06 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: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX XXXX reporting inaccurate on all 3 bureaus XXXX XXXX XXXX reporting inaccurate on all 3 bureaus status says paid on TransUnion and XXXX then says collections Im confused then on XXXX it says derogatory collection. Please remove or fix & permanently put paid 100 % on time on all 3 bureaus if my status is paid I dont understand. 

XXXX XXXX XXXX Is reporting inaccurate on all XXXX bureaus please remove XXXX XXXX XXXX is reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX XXXX XXXX on all XXXX bureaus please remove XXXX XXXX  XXXX XXXX XXXX on TransUnion and XXXX XXXX remove XXXX XXXX XXXX reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX Reporting inaccurate on all 3 bureaus please update my payment status to 100 % paid on all 3 or remove this inaccurate account from my file..

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 2021-12-06 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: TX

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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:
I have been scammed by a person called XXXX XXXX by giving false details of apartment in California state. An amount of XXXX $ and XXXX $ on XX/XX/2021 and XX/XX/2021 respectively, was transferred for apartment lease and security deposit. The lease document was signed and the rental receipt was not issued. I have contacted Chase bank to help me, they haven't been able to help me much on this. I have raised request in different platforms for help. I haven't received any. The money was my family 's savings. I really hope those people give me my money back. I have the emails that were sent from the scammer. Their XXXX account seems to be open. he had contacted me on XXXX XXXX XXXX while I was looking for apartments to move into in California state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Multiple fraud identidety thefts and unautherized use of funds and id card as well as cell phone companies ext

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: AL

Complaint narrative:
On XX/XX/20 I checked my personal credit report and noticed multiple inquiries to the following companies. That I did not authorize to. The companies are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies and this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
On XX/XX/20 I checked my personal credit report and noticed multiple inquiries to the following companies. That I did not authorize to. The companies are listed below. 

XXXX XXXX XXXX XXXX  Chrysler Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies and this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: CA

Complaint narrative:
There are accounts on my credit report that should not be reporting. I already sent a letter and request to remove these accounts but was ignored. This is affecting my financial character badly.

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 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. I have already contacted the companies listed below and they have nothing on file under my name. 

XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

. Identity Theft XXXX CAPITAL ONE BANK XXXX XXXX A Account Number : XXXX This is not mine. 
. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX CAPITAL ONE BANK XXXX XXXX A Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX or XXXX of XXXX I opened a new credit card account and took advantage of a balance transfer promotion. I paid a fee of {$91.00} to transfer a balance of {$3000.00}. The promotional rate given was 0 % until XX/XX/XXXX. 

I also made additional purchases on the card totaling {$2100.00} which also had a promotional rate of 0 % until XX/XX/XXXX. 

In XX/XX/XXXX I took advantage of another offer on the same account and borrowed {$4800.00} on a Flex plan@ 8.99 % with a fiver year term. 

I've been making extra payments so the balance transfer and additional purchases will be paid off before the 0 % promotional rate expires in XX/XX/XXXX but the credit card company is applying the extra payments to the Flex loan because it has a higher interest rate ( 8.99 % versus 0 % ). This means that while I'm saving the 8.99 % interest on about {$4500.00} now, beginning in XXXX I'll be paying about 25 % interest on about {$2700.00}. Saving roughly $ 22/month now is going to cost me about $ 56/month next summer! 

I was told by the credit card company that the system can not be over-ridden to apply the extra payments to the promotional balance rather than the Flex balance. This is a poor excuse since other credit card companies offer the account holder the choice of how to allocate payments. ( I can do that on my XXXX credit card for example. )

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 2021-12-06 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: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that still reporting on my account : XXXX {$390.00}

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 2021-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN

Complaint narrative:
I have sent this company multiple letters asking for them to verify the debt was said I owed I have copies of my certified letters and my tracking numbers of them receiving the letters.They never verified the debt that they said I owed also they are not licensed to practiced in Tennessee multiple credit laws have been broken and also this company have messed up my credit and in the process I want to sue because of the damages tat have been done.

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 2021-12-06 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: CA

Complaint narrative:
Hello there and thank you for helping, I wanted to reach out because I am not receiving any statements or alerts. 

I have never been late, and have always made my payments on time. 

However recently my credit report shows that the XXXX XXXX was reflecting 30 days late, however as you guys can see I did not have access to any of my devices. 

I have the XXXX work authorization forms showing that I had no access to any of my devices for me to be able to make a payment, and even if I attempted to make a payment online it requested a two factor authentication code that I could not receive. 

I reached out to customer service who was no help, I have made a payment and then please requesting to have the negative impact removed from my credit report. 

I never received any physical statements when my bill was delinquent, I understand XXXX and XXXX XXXX is trying to go green however they should still mail a statement to be safe and to ensure their customer is indeed receiving communication that is not electronic.

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 2021-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have paid and settled the debt that portfolio recovery has placed on my credit report. I have received a document stating they are deleting the collection off my credit report but its still listed on my XXXX and XXXX credit reports. Im asking the company portfolio recovery to please remove the accounts in all its entirety from all 3 of the credit bureaus. Thank you look forward to hearing your response..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I submitted a mortgage application in early XX/XX/2021 to several lenders to compare rates, each lender quickly provided me with a pre-approval letter for the full listing price of the home I was interested in. Please note : I have excellent credit ( XXXX ), sufficient and stable income, low credit utilization, and good income/debt ratios. After comparing loan estimates, I chose Navy Federal Credit Union ( NFCU ) who provided me with a very competitive interest rate, and closing costs. Shortly after obtaining the pre-approval letter from NFCU, the sellers accepted my offer, and I began the closing process. Roughly 3 weeks into the process, I received a call from NFCU informing me my loan application had been denied. Their underwriter cited " poor credit performance with us '' as the reason. When I inquired about the account, they explained it was a credit card I defaulted on over 20 years ago ( at the time I was out to sea for 6 months ). The credit line limit was $ 1.4k, and it ended up going into collections, from there I paid on the debt, until it was satisfied and the account resolved. I asked the loan officer why something over 20 years old, and not on any of my current credit reports, would be used to deny my loan, and why did it take so long for them to make a decision of denial, when I provided all requested documents online within 24 hours. Since I had a specific amount of time to secure the financing, and provide the seller with proof, this also put me at risk of having the contract cancelled by the seller.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
My name is XXXX XXXX, I am making this complaint of my own accord and do not consent to XXXX verification in response to AFFIRM reporting inaccurate information to three of the many credit reporting agencies. I have contacted AFFIRM to produce proof pursuant to rule 1002, of an original contract. It has been more than 180 days and XXXX, XXXX, and XXXX are still reporting erroneous information on my consumer report. I never received full disclosure from any of the companies mentioned that my personal non public information would be used in this deceptive way. Pursuant to 15 USC 1692g I am to be provided with the correct validation by AFFIRM of a " debt '' the alleged is " owed ''. Given that I have contacted not only AFFIRM but XXXX, XXXX, and XXXX more than 90 days ago to dispute and have them correct their error, 15 USC 1692g ( b ) subsection ( a ) states that they should cease and desist all communications, verbal and written until the disputed " debt '' is validated.15 U.S. CODE 169f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the " debt '' or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX Reporting inaccurate on TransUnion and XXXX please remove XXXX XXXX reporting inaccurate on XXXX please remove XXXX XXXX XXXX XXXX reporting inaccurate on XXXX please remove XXXX XXXXXXXX XXXX reporting inaccurate on XXXX and XXXX please remove As well there is an address on my file that does not exist with me please remove these inaccurate address off my file thats attached to the inaccurate account ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief