vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have made sure to make my payments on time for CAPITAL ONE with the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the report. 
CAPITAL ONE XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
XXXX needs to provide me under 15 USC 1602g who authorized the use and permissible purposes as the original creditor to use my information to report this negative account under my name? Otherwise the account reporting needs to be block and deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: CA

Complaint narrative:
# XXXX XXXX XXXX XXXX XXXX - Alleged Closed Account # XXXX XXXX XXXX XXXX XXXX - Alleged Closed Account # XXXX XXXX XXXX XXXX - Alleged Closed Account The above items are not recognized as not belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
The account with SANTANDER with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time in XXXX. There is no payment report in my XXXX while in XXXX, it shows that I have late payments that I am not aware of. I would like to request for complete payment on this. The Bureaus are given 30 days to investigate, validate and provide feedback to the complainant. Also, supporting documents should be submitted to the complainant 's address to confirm the accuracy of the result. Failure to comply with the following requests should result in the immediate deletion of the account. 
SANTANDER XXXX XXXX : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Originally I contacted XXXX XXXX on XX/XX/2021 with an Cease and Desist for them to stop violating my consumer rights, by posting late payments on my credit report, sending me bills witch are in a positve balance and using deceptive means to make me believe I owe a debt. They were harrassing me and causing me XXXX XXXX. XXXX XXXX responded by closing my account and illegally reporting negatively to the consumer reporting agencies. I also sent them an Affidavit of Truth with my Exhibits on XXXX. They never repsonded to my Affidavit with an Affidavit which now puts them in Default. On XXXX I sent them a 2nd Affidavit with Exhibits and an invoice for federally violated consumer rights. Im demanding that they give me my specified remedy and pay my invoice. I will follow up with litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
Originally I contacted XXXX XXXX on XX/XX/2021 with an Cease and Desist for them to stop violating my consumer rights, by posting late payments on my credit report, sending me bills witch are in a positve balance and using deceptive means to make me believe I owe a debt. They were harrassing me and causing me mental stress. XXXX XXXX responded by closing my account and illegally reporting negatively to the consumer reporting agencies. I also sent them an XXXX  of Truth with my Exhibits on XXXX. They never repsonded to my XXXX with an XXXX  which now puts them in Default. On XXXX I sent them a XXXX XXXX  with Exhibits and an invoice for federally violated consumer rights. Im demanding that they give me my specified remedy and pay my invoice. I will follow up with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
Originally I contacted XXXX XXXX on XX/XX/2021 with an Cease and Desist for them to stop violating my consumer rights, by posting late payments on my credit report, sending me bills witch are in a positve balance and using deceptive means to make me believe I owe a debt. They were harrassing me and causing me mental stress. XXXX XXXX responded by closing my account and illegally reporting negatively to the consumer reporting agencies. I also sent them an Affidavit of Truth with my Exhibits on XXXX. They never repsonded to my Affidavit with an Affidavit which now puts them in Default. On XXXX I sent them a 2nd Affidavit with Exhibits and an invoice for federally violated consumer rights. Im demanding that they give me my specified remedy and pay my invoice. I will follow up with litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LendingUSA
State: MD

Complaint narrative:
In 2019 I made a loan for {$8000.00} from Lending USA or XXXX XXXX XXXX account number XXXX. I just received a bill for {$4900.00} dated XXXX {$4900.00}. I have paid over {$10000.00} for this bill. I have had my banks give me statements documenting the payments. I am waiting for 2 additional statements that reflects payments directly to Lending USA for over {$1300.00}. 

Here are the dates from my account with XXXX XXXX XXXX XXXX : XXXX - {$500.00} XXXX - XXXX XXXX XXXX XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} Please help me obtain a record of all payments from this company? Because I am sure I dont owe them {$4900.00}. I am waiting for bank statements from my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CO

Complaint narrative:
On XX/XX/2022. I paid FedLoan {$25000.00} which took my {$53000.00} loan amount down to 28,000.00 which the FedLoan app showed once the payment was received. The very next day the app show a balance of {$38000.00}. I called to ask about my payment and when my money when. I was told they didnt know where to apply the money for my loans to. The lady ask me if I wanted the money applied to my loans or the interest? I stated all of it should go to my loans. Now my balance is {$32000.00}. My balance should be {$28000.00}. This is fraud. Its illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2022 someone called my phone from chase banks phone number so I presumed it was a bank customer representative & I asked them all the questions you would ask a representative I'd number what department & so on. He confirmed everything. He proceeded to say someone was hacking my account so I needed to move my money I thought I was talking to a chase rep so I trusted him. So I gave him the codes he messaged me & everything else thinking okay my money for my bills is going to be safe I never thought Id be getting scammed. He proceeded to take all of my money & after he learned I had no more accounts he hung up on me that's when I knew it was a scan. I have the phone number he called from I have a scam blocker on my phone so it got through because it was a legit number have the emails & everything the bank is denying my money because they're saying it was an authorized transaction when I clearly was not approve of this. I'm XXXX on a fixed income only get paid once a month & that was all the money I had left. I really need it. & they just said no. I don't understand why they wouldn't protect their customers or let them know a scam is going around either because i wasn't aware of it at all. If you need anything from me let me know I have it all. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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:
A credit card was open fraudulent in my name on XXXX XXXX in the amount of {$1900.00}. With 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 explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I am really appalled and disturbed by the actions of this company yesterday during their attempted collection call. I am wrote to notify them that their actions were detrimental to me and that their firm has made multiple violations of the Fair Debt Collection Practices Act. 

Please take note of the following violations that occurred yesterday XX/XX/2022 at XXXX. At the beginning of the call, I notified the representative XXXX XXXX that the time of the call was inconvenient to me since I was currently driving and running errands during my lunch hour. At this point the employee should have scheduled a more appropriate time for the call. The employee then became loud and aggressive, continuously cutting me off and being flat out disrespectful. He knew or should have known that the abusive and aggressive behaviors displayed toward me during the call were oppressive, inappropriate, and potentially damaging. During the call he told me that the case is in pre-something, and that if I did not pay during the call, I would be sued and my wages would be garnished. This is a blatant violation of my rights since the FDCPA states that you can not imply that non-payment will result in garnishment of my wages. The representative completely failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at the firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have a consolidated Federal Loan with Nelnet and I am under an Income-Based Repayment Plan. My income went up by about XXXX in XXXX year but my payment went form XXXX XXXXXXXX/month to XXXX XXXXmonth. I live in XXXX XXXX and the cost of living is much higher in XXXX as opposed to most of the rest of the country, yet this is not taken into account when calculating my repayment amount per month. I also have a child dependent and can no longer afford to pay XXXX XXXXXXXX/month with rising inflation. I have engaged Nelnet on this topic in XXXX and was told there was nothing they could do unless I wanted to change my repayment plan which is not in my best interest because my loan will be forgiven in about XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: CA

Complaint narrative:
XXXX XXXX XXXX - Alleged Account does not belong to me # XXXX XXXX XXXX XXXX XXXX - Alleged Account does not belong to me # XXXX XXXX XXXX XXXX XXXX - Alleged Account does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I FOUND THAT I AM VICTIM OF FRAUD ON XX/XX/XXXX WHEN I ARRIVED TO INSPECT MATERIALS FOR LOADING AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ON XX/XX/XXXX ABOUT XXXX TO XXXX PM BECAUSE THERE IS NO EXISTANCE OF XXXX XXXX XXXX. WE CALLED OUR BANK CHASE JP MORGAN FOR RECOVERY OF OUR AMOUNT FROM ACCOUNT # XXXX ( THIS ACCOUNT IS SCAMER ACCOUNT ) BUT THE TOLD US THEY ARE UNABLE TO HELP US.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried many times to directly handle this issue with Experian. I want my credit report to be correct as they are reporting incorrect information. I have asked them to send me original contracts for the accounts with my signature and they have failed to do so. I have advised them to remove the incorrect addresses from my report and they failed to do so. Please remove this information from my report. Once complete, please send me a updated copy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
XXXX unlawfully hired an outside towing company to attempt to repossess the vehicle. On XX/XX/22 This company cause mental anguish and trauma to my Pregnant Girlfriend and XXXX old son. The driver Stated, when asked why he was following her You know why Im following you, your behind on your payments and that he had legal right to follow, because she in someone elses property XXXX XXXX XXXX of the XXXX Police department filed a complaint. Report number XXXX. 

XXXX has no LAWFUL claim to property they are actively trying to STEAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: MA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: MA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following accounts are alleged to belong to me are false : # 1 XXXX  - XXXX XXXX  - Alleged account belonging to me is in error # 2 XXXX XXXX XXXX XXXX - Alleged account belonging to me is in error # 3 XXXX XXXX XXXX - Alleged account belonging to me is in error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: IL

Complaint narrative:
I did not authorize any of the items on my report. I would like for these item to be removed. I have contacted the credit bureas sent them multiple letters. Can you please help me remove these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: IL

Complaint narrative:
I did not authorize any of the items on my report. I would like for these item to be removed. I have contacted the credit bureas sent them multiple letters. Can you please help me remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation