vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX and Navy Federal Credit Union for violations of the Fair Debt Collection Practices Act ( FDCPA ). I believe that both entities have breached my cease and desist order and have engaged in deceptive and misleading practices in their attempts to collect a debt from me. 

I sent a cease and desist letter to XXXX XXXX XXXX and Navy Federal Credit Union, explicitly instructing them to cease all communications with me regarding the alleged debt. Despite this clear directive, both entities have continued to contact me in an attempt to collect the debt, thereby violating my rights under the FDCPA. 

Furthermore, XXXX XXXX XXXX has falsely represented itself as a law firm or attorney in their debt collection communications with me. While I understand that XXXX XXXX XXXX may be a BAR-approved law firm, when engaging in debt collection activities, they are held to the same standards as any other debt collector under the FDCPA. Implying that communications are from an attorney or a law firm is misleading and deceptive, especially when they are attempting to collect a debt. 

In addition to XXXX XXXX XXXX violating my cease and desist order and falsely representing themselves as attorneys, Navy Federal Credit Union has also reported negative information about me to consumer reporting agencies, damaging my right to privacy and my reputation. 

I want to reiterate that I do not believe I owe the alleged debt, and I have refused to pay based on my rights as a consumer under the FDCPA. Despite this, XXXX XXXX XXXX and Navy Federal Credit Union have ignored my requests and have continued to harass me in their attempts to collect the debt. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against XXXX XXXX XXXX and Navy Federal Credit Union for their violations of the FDCPA. I also request that any negative information reported about me be removed from my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: PA

Complaint narrative:
my account was out 30 days late when i pay every XXXX weeks. 
so there is no way i should be 30 days late for XX/XX/year> and XX/XX/year>. 
i deferred a few payment in the pass during covic and was toll it was being to the back of loan. the mature date was in XXXX. and i still was paying every XXXX weeks. 
not gave me no info that i had to make a modification payment plan on ending balance. 
i was still making monthly payments. so until i saw my credit report that i was put down for 30 days late for XXXX months XX/XX/year> and XX/XX/year> which is not true. i untanned a modification payment plan now for remaining balance so iam asking you to please remove the XXXX XXXX lates off my report it is stopping me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-03-16 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I became a victim of debit card theft on XX/XX/2024. Withdrawals were made to my account in XXXX, CA without my knowledge. Specifically, there was a withdraw of {$100.00} and XXXX withdraws for {$300.00}. As soon as I discovered these charges, I contacted American Express Serve Card to report the incident. They reassured me that they would conduct an investigation, which could take up to 45 days. On XX/XX/2024, before the theft occurred, my last transaction was at XXXX in XXXX, CA, where I spent a total of {$61.00}. It's worth mentioning that I live in XXXX, CA, which is approximately XXXX miles away from XXXX. However, I don't believe that American Express properly conducted their investigation. ATMs have cameras, so it would have been easy for them to verify my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I filed a complaint and closed the account because they never credited {$200.00} they promised for purchasing an airplane ticket. After I filed the complaint they credited the account the {$200.00} and with the annual fee they credited gave the account a total credit of {$78.00}. I have asked that the cash be sent to me and get no responce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: GA

Complaint narrative:
I applied and was accepted into the XXXX XXXX XXXX. The total amount using Mohela 's online calculator based on my XXXX tax information and from speaking with a Mohela representative was the total repayment of {$83.00}. The official repayment letter ( XX/XX/XXXX ) from Mohela states that my actual payment for the same plan is {$370.00}- which is almost 4 times higher than what I believe I should be paying. 

Trying to call Mohela is a nightmare. I can not continue to wait on hold and there is no way to find out or fix this issue. I have diagnosed XXXX  XXXX  and XXXX and my current wait times on hold before speaking to anyone or hanging up has been 37 minutes, 45 minutes, 66 minutes, and 27 minutes ( the last time I was put back into the system as they could not answer my questions and I gave up ). The thought of calling Mohela is a trigger. 

I also tried email and it's just as bad as they have not addressed this issue and ignored questions. My {$370.00}. XXXX repayment is due soon. 

I have no idea why there is such a huge discrepancy and how to fix the issue. 

If possible, I will attach what the IDR calculator states my repayment should be ( {$83.00} ) which I took from Mohela 's website and my XXXX XXXX Letter from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX at approx. XXXX in Illinois XXXX I received a phone call from someone stating they were calling to collect on XXXX XXXX XXXX account. The agent did not state they were with Portfolio Recovery Associates until much later in the call when I specifically asked if that was the name of the company they were representing. I believe the agent was intentionally leading me to believe they were calling from XXXX XXXX XXXX. 
The agent also stated they were trying to collect on an account that was last used in XXXX, which is past the statute of limitations. 
I asked to speak with a manager. The manager stated the last date I charged anything on the credit card account was in XXXX. I informed the manager that she is trying to collect on an account that was past the statute of limitations. She then attempted to change her statement referencing a date in XXXX. The information she gave me over the phone was incorrect and misleading. The agent was trying to intimidate me into making a payment in an extremely excessive amount that would not be required by law. 
This company tries to collect on inaccurate balance and even filed a lawsuit in XXXX. The case was dismissed but they are trying to collect on the same debt again. 
When I asked the manager how to stop the contact from Portfolio Recovery Associates, she said I need to settle the debt. I explained I already closed the account and it had been removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I never applied for there credit card but they have pulled a hard inquiry on my credit report to open a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting 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 took a look at my credit reports and noticed that there was an account that was inaccurate and/or erroneous. It did not match my records so I notified the agencies and I have yet to receive a response from them. The Fair Credit Reporting Act states that every report must be made with maximum possible accuracy however each reporting agency has different information. See exhibit. XXXX agency is showing a 60 day late payment status while the other two aren't and my records don't show that I was ever late. Not only that but the payment history are not matching at all which also proves that this information has been reported with an 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 non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I took a look at my credit reports and noticed that there was an account that was inaccurate and/or erroneous. It did not match my records so I notified the agencies and I have yet to receive a response from them. The Fair Credit Reporting Act states that every report must be made with maximum possible accuracy however each reporting agency has different information. See exhibit. XXXX agency is showing a 60 day late payment status while the other two aren't and my records don't show that I was ever late. Not only that but the payment history are not matching at all which also proves that this information has been reported with an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
on XX/XX/XXXX credit karma allowed a hacker access to my account and all access to my personal information. i was waiting months and months for my tax return that was already delayed. i believe the tax return was was deposited XX/XX/XXXX and the hackers were able to switch all of my information the morning of XX/XX/XXXX which was my email address and phone number without me knowing at all. as soon as i saw the fraudulent charge for the amount of {$2400.00} to a merchant OUT OF THE COUNTRY all the way in XXXX!. even after i notified my bank to put a block on my account XXXX XXXX. later they were able to steal the rest of the money which was XXXX $ now the account is negative XXXX XXXX every time i call credit karma is not helpful at all and just tells me to moniter emails. the worst of it all i am not the only one this has happend to! there are multiple people who uses the same bank and has also had the information fruadulently stolen and misused please i am begging can you guys please help me get my funds back that was all i had.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
An unauthorized transaction in the amount of {$500.00} was performed on my checking account that I DID NOT approve. This happened on either XX/XX/XXXX or the XXXX 2024. The bank clearly ignored the fact I was already overdrawn and allowed this amount to be sent to a closed credit card account, again without my knowledge or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting 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:
I never applied for there credit card but they have pulled a hard inquiry on my credit report to open a card.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was a victim of identity theft I did not apply for this credit card. 
There is a hard inquiry on my credit that I did not make.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Incorrect Balance Reporting on Charged-off Debt - Violation of FCRA ( 15 U.S.C. 1681s-2 ). balance should be XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft and I had filled out an identity theft report to remove the accounts in attached dispute letter. I have never authorized or consented this information to be on my consumer report therefore it is identity theft.

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 2024-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I received notification that my credit limit was decreased on my Lowes, Amazon, and Sams club card based on false reporting on my credit ( USDA ) which is 100 % false! That is currently being disputed and I have proof of their false reporting. They also mentioned not paying off student loans, to which, I am a XXXX XXXX and subject to PSLF. XXXX payment while they are calculating MY government service credit ( still pending- XXXX PAYMENTS AT THIS TIME ). With these accounts, I have paid, on time, never late, and/or have paid off multiple times over! Synchrony should be ashamed of their actions against a loyal customer who has paid on time, all the time! As a matter of fact, Ive paid off 3 credit cards over the last 60 days! Please make this public and encourage consumers to go elsewhere!

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 2024-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Someone made a payment on XXXX finance account of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting 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:
I was a victim of identity theft I did not apply for this credit card. 
There is a hard inquiry on my credit that I did not make.

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 2024-03-16 00:00:00
Product: Credit reporting 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:
my account was out 30 days late when i pay every two weeks. 
so there is no way i should be 30 days late for XX/XX/2024 and XX/XX/2024. 
i deferred a few payment in the pass during covic and was toll it was being to the back of loan. the mature date was in XXXX. and i still was paying every two weeks. 
not gave me no info that i had to make a modification payment plan on ending balance. 
i was still making monthly payments. so until i saw my credit report that i was put down for 30 days late for 2 months XX/XX/2024 and XX/XX/2024 which is not true. i untanned a modification payment plan now for remaining balance so iam asking you to please remove the two 30 lates off my report it is stopping me from purchasing a home.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
my account was out 30 days late when i pay every two weeks. 
so there is no way i should be 30 days late for XX/XX/2024 and XX/XX/2024. 
i deferred a few payment in the pass during covic and was toll it was being to the back of loan. the mature date was in XXXX. and i still was paying every two weeks. 
not gave me no info that i had to make a modification payment plan on ending balance. 
i was still making monthly payments. so until i saw my credit report that i was put down for 30 days late for 2 months XX/XX/2024 and XX/XX/2024 which is not true. i untanned a modification payment plan now for remaining balance so iam asking you to please remove the two 30 lates off my report it is stopping me from purchasing a home.

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 2024-03-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXXaccount and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/2024 I played for American Express platinum card ( Ref Number : XXXX ) and was denied an extension of credit they obtain my credit report from XXXX in which I did not give consent to XXXX nor did I receive an opt out option before experience had given American Express my credit report they solely made there decision based off my report witch is against 12 CFR 215.3 - Extension of credit Additionally, 15 U.S. Code 1691 - Scope of prohibition states that creditors can not discriminate against applicants based on certain factors, including public assistance income or exercising rights under the chapter 2 Furthermore, 1002.7 Rules concerning extensions of credit, prohibits creditors from refusing individual accounts based on sex, marital status, or other prohibited factors.. and also I provide them with an application that was signed by me and that they will trade and profit from and I was never compensated for my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am victim of identity theft, and I did not make or authorized these charge ( s ). I request that you remove the fraudulent charge ( s ) and related finance charge and other charges from my account. After that has been completed, please send me an updated copy and accurate of my credit report.

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