vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I Consumer, XXXX XXXX entered into a consumer credit transaction with American Express on XX/XX/2017. There was a finance charge involved. Per 15 usc 1605 the Finance charge is the sum of all charges in a consumer credit transaction. American Express has sent me several bills with violations of 15 USC 1692. American Express used symbols on the contents and in the inside of the envelope that indicated that they were in the debt collection business. American Express has infringed on my privacy rights as a consumer. American Express continues to violate me. In effort to resolve this matter outside of court I mailed American Express an Affidavit of Truth with exhibits labeled A and B proving their violations as well as an invoice for their violations pursuant to 15 usc 1692k as well as a cease and desist. American Express reported this transaction to the consumer reporting agencies but never gave me the opportunity to opt out of reporting pursuant to 15 usc 6802 ( a ) ( b ) ( B ). This is causing me a great deal of stress that affects both me and my children. I am stressed out. Please help me get complete remedy from these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2018 I requested a cash advance on my credit card while at XXXX XXXX in XXXX, IL. I call Capital One credit card to make sure I was eligible. They said yes and then I proceeded to the Cash Advance desk that was manned by a XXXX  employee. They had me swipe my Capital One card, I requested {$2400.00} and my cash advance was denied. The copy of the denied receipt is attached. I never received the cash, yet was charged for the {$2400.00} plus an Interest Charge Adjustment of {$27.00}, plus a cash advance fee of {$51.00}. ( see my Capital One statement attached ).

I want my money back. The cash advance of {$2400.00}, the interest charge of {$27.00} and the cash advance fee.

It may seem odd that it has taken me this long to file for a refund, but I misplaced my XXXX  denial receipt and just found it. 

I do not understand how a person can be denied a cash advance, yet be charged for it. Who got the money? XXXX? A XXXX  employee? The XXXX? 

I expect a full refund immediately. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to complain officially as these accounts are not mine : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Please check these accounts and try to remove them. This is the biggest error in reporting, I can not believe still.

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 2021-07-06 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: GA

Complaint narrative:
I want to complain officially as these accounts are not mine : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Please check these accounts and try to remove them. This is the biggest error in reporting, I can not believe still.

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 2021-07-06 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
please review the following accounts that appear on my credit report, they are not mine, it is hurting me. 

Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine. 

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

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

10. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello for a few years now, I have been experiencing issue with the below information on my credit reports. I've disputed but the bureaus refuse to also comply with Credit Act of XXXX which specifically speaks to removing Derogatory items from my file especially as law states there is NO Contract/Agreement tied to the following. Section 401 is specific regarding these Derogatory marks. 

Derogatory Accounts XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$420.00} Inquiries XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXX XXXX XXXX XXXX FIN Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Derogatory marks XXXX XXXX XXXX NOT MY ACCOUNT? /NO CONTRACT Opened XX/XX/XXXX {$430.00} XXXX XXXX A NEVER APPLIED FOR ITEM/NOT MINE/NO CONTRACT Opened XX/XX/XXXX {$420.00} Inquiry details No Agreements to confirm details XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Credit Burea Inquiry from XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, New Inquiries - unauthorized Accounts XXXX  XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Premium XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Derogatory marks COLLECTIONS XXXX XXXX XXXX Contract Opened XX/XX/XXXX {$430.00} XXXX Unable To Discover Contract/ Not My Account Opened XX/XX/XXXX {$460.00} XXXX Unable To Obtain Contract, I never signed/Not My Account Opened XX/XX/XXXX {$580.00} XXXX XXXX Not My Account/No Contract Opened XX/XX/XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: LA

Complaint narrative:
I wanted to know if i could purchase a home. I went and had my credit pulled once in XXXX and i authorized that. Then they used a company called Factual Data to pull my report again one time a month for the next 4 months and in some cases twice a month without my permission. Now my scores and reports are hurting because of these unauthorized inquiries and i would just like them removed so my score will be what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: CA

Complaint narrative:
Due to being a victim of identity theft a fraudulent account with Lending club Corp was opened XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In addition to this complaint I have made the initial consultation on filing a civil suit for the incorrect reporting I have an inquiry on my credit report from about seven months ago from bank of america. I attempted to fix this with them and they stated that there investigation showed it came from areas indentified as me such as ip and email. 
I have since changed my email address but can not do so with IP I requested all documents from bank of america and they refused I requested a copy of credit application and they refused I REQUESTED IP address and they refused. 
I cant find out if someone I know tried to steal my identity because bank of america will not coporated. 
I did not make the credit application and the inquiry is not mine

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 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Collection Service Inc (GA)
State: SC

Complaint narrative:
On XX/XX/2021 at XXXX EST I received a call from XXXX. Not recognizing the phone number, I did not pick up my phone. There was a voicemail, but no one was speaking. It was a 9 second voicemail with no talking. A few minutes later, my father in law called me to tell me that XXXX with Professional Collections called looking for me about a debt I owe, and to call XXXX back. 
XXXX had no right to tell my father in law where she worked and why she was calling. She can only verify certain information, and that certainly wasnt it. They have broken the law.

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 2021-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I sold my vehicle to a dealership on XX/XX/2021, the finance company Exeter Finance received the payoff on XX/XX/2021. On XX/XX/2021 I cancelled my extended warranty and was told that the refund of XXXX was being sent to me. On XX/XX/2021, I realized that Exeter had accepted my refund. It is now XX/XX/2021 and every time I call a different supervisor gives me different answers. I still have yet to receive my {$1500.00}. Ive called twelve times and spoken to twenty different people. I want my money! Also, I was told the payoff would have been reported to the credit bureaus on the XXXX of XXXX and this has not occurred. Meanwhile I am without a vehicle due to not being able to finance until this shows paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Suddenly I saw an account that is not mine. I am victim of identity theft and therefore I am asking you to help me and figure out how it happened. I mean howcome this unknow item appeared in my credit profile. I ask you to make investigation and remove this item from my rpofile. 

Please check this account : 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 explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: OH

Complaint narrative:
Reached out in regard by phone call to XXXX to find what the debt was about on XX/XX/XXXX. 
No info was given just that a debt was owed for XXXX for a debt I NEVER had. 

The company presents themselves as Asset Recovery Associates in XXXX XXXX, Illinois. 

The only time I ever owed any money on a car was in XXXX. This was paid off and there action violates the act of XXXX law. 

Be wary as they may be searching antique files to scam individuals This company needs investigated and held accountable. Please reach out to your attorney general or law enforcement if you receive any letters from Settlement Department in XXXX XXXX Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
I canceled my XXXX service in XXXX of XXXX. They indicated to me that it would take several weeks for the final bill to be issued. Finally, in XX/XX/XXXX, they issued a billing which included {$250.00} of past-due charges and adding {$240.00} for equipment. However, I was not issued boxes or instructions for returning the equipment. Finally, through a series of frustrating phone calls in the following months, I was provided with information to return the equipment. I have a copy of this return receipt dated XX/XX/XXXX. 

Despite returning the equipment, no adjustments were made to the bill. Therefore, I paid {$110.00} on XX/XX/XXXX, as this was the amount that XXXX indicated to me was needed to reconcile and finalize the account. 

However, this continued to linger. They indicated to me on the phone that it will take a minimum of 45 days for them to update their billing system from the returned equipment. Based on my follow-up calls to XXXX, I confirmed on XX/XX/XXXX, with XXXX at XXXX that the bill had been adjusted, and the balance was now $ XXXX. However, when I requested a paper copy of that, he said that he could not send that out. In addition, he said it was against company policy to provide last names, and they do not have ID numbers for reference of the conversation. 

Beginning XX/XX/XXXX, XXXX, a debt collector, began sending me collection attempts for this erroneous billing. These continued with phone calls, sometimes several times a week. I continued to indicate to them that this was an erroneous bill and indicated that if it was not, they need to demonstrate the line item cost behind the phantom bill and show the adjustment of the returned equipment. Finally, they stopped calling, and they removed it from my credit bureau. Then in XX/XX/XXXX, XXXX  XXXX began calling me with the same abusive tactics. I spent 10+ more hours describing everything to them and reconciling what the corrected amount should be. The representative 's name was XXXX XXXX. She said she would call me back in two weeks, which did not happen. When I returned the call to XXXX  XXXX, they claimed they had no record of the conversation and that their agents can not issue return the calls. Several weeks later, the collection was removed from my credit bureau. 

Last month a 3rd collection agency ( EOS CCA ) began calling me on the same issue. I have mailed out the copies of the payment I made for {$110.00} and highlighted the erroneous charge of {$240.00}. However, this still does not explain why XXXX indicated to me on XX/XX/XXXX, that I had paid everything ( with the return ) in full. When I request that they update their records and show line items of the amount due, they sent a copy of the erroneous bill as of XX/XX/XXXX, with no adjustments/corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: GA

Complaint narrative:
I was receiving my direct deposit like usual and all of a sudden my account was closed with my funds still being held. I reached out to chime several times and was told that I needed to send in confirmation of were my direct deposit had been coming from. I did that then received an email just saying that chime has the right to close my account for WHATEVER REASON THEY WANT. I said it was fine that they feel they need to close my account but what about my funds still held in the account. I have yet to receive an email back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: FL

Complaint narrative:
Suddenly I saw an account that is not mine. I am victim of identity theft and therefore I am asking you to help me and figure out how it happened. I mean howcome this unknow item appeared in my credit profile. I ask you to make investigation and remove this item from my rpofile. 

Please check this account : 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 explanation
Consumer complaint received 2021-07-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Suddenly I saw an account that is not mine. I am victim of identity theft and therefore I am asking you to help me and figure out how it happened. I mean howcome this unknow item appeared in my credit profile. I ask you to make investigation and remove this item from my rpofile. 

Please check this account : XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
Due to my car situation and not being able to get a rental due to losing my job etc. I want a better car payment. I was able to get some extra cash by paying extra on my car payment but I still lost a good paying job. Plus having XXXX XXXX, daycare is not cheap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed a fraudulent loan taken out in my name with a company called XXXX/XXXX. XXXX is the back that funded the loan for XXXX. After XXXX  investigated, they sent me a letter verifying that my claim was valid. 

The problem is the Bank that funded the loan is still being reported on my credit report. Experian claims that they contacted the Bank and the loan was valid, so the info would remain. I just got off the phone with the bank and they denied that Experian EVER contacted them, and further, they would possess NONE of my personal info. They do however fund XXXX  loans. Experian flat out lied about their investigation results about contacting the bank. I disputed both XXXX  and the XXXX XXXX  reporting. 

When I tried to CALL Experian mostly I got advertisements to join their premium membership and I would have a dedicated person to work through this for only $ XXXX/month. I have YET to speak to a live representative. I have uploaded the letter from XXXX  validating my claim to add as additional info on Experians so called dispute investigation with the Bank. 

It is clear they are not in the business of assisting consumers with fraudulent information and even make up false investigation results as they go. The bank claimed NO ONE at the bank at any level would have confirmed anything.

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 2021-07-06 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: NC

Complaint narrative:
After running a full credit report and noticing different variations of my names, addresses, phone numbers, etc. I wrote a letter to TransUnion on XXXX XX/XX/2021 requesting that my personal information be corrected. In the letter I explained my situation and listed all of the information and corrections that I wanted applied to my account. Also, asking that any previous personal information be removed from my TransUnion account that didn't match the information summited. Seeing that this information in the first full credit report that I ran was inaccurate. Included in my letter was two copies of my mailing address and two copies of my personal identification, one being a scanned copy of my social security card. On XXXX XX/XX/2021, I received a letter back from TransUnion with a full credit report with none of the information that I requested applied or removed. There were no changes made to my credit report from TransUnion and that is why I am making this complaints today.

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 2021-07-06 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: GA

Complaint narrative:
Each month since XX/XX/2020 Ive been billed {$48.00} for a service I do not have access to and have never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We have been trying to get a loan mod, for years with sending in documents and saying we didn't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation