vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: GA

Complaint narrative:
I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 XXXX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO XXXX THESE ACCOUNTS ACCOUNTS XXXX XXXX  # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-13 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Throughly a buyout lease ( finance ), I completed the payment of XXXX XXXX on XXXX. 
After completion of full amount, Kia Motors Finance sent me damage title that was declined to DMV because it represents a documents. 
On XXXX request duplicate and the Kia Representative stated that a new tittle would be sent. 
On XXXX, resubmit the same request and I was advise that it would be mailed to me. 
On XXXX, called again and I was mistreated by the representative and I was accused of tear the tittle that was tear by kia and amended by Kia with their reference tape. 
On the same date, spoke with a supervisor who advised me to sent returned the title to their tittle department and advised that in 6 weeks the replacement would be sent to me. 
As per their instructions, the Tittle was delivered on XXXX On XXXX spoke with another representative and find out that absolutely nothing has been done. Once again I submitted another complaint ( Complaint XXXX ) and for the first time a request # was provided_ Request # XXXX. At time, I was advised that a representative would reach out to in a week. 
I havent heard from Kia Motors Finance until today and financial institution that I dealing with has increase my Car loan APR from 4.8 % to 18 %.

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 2022-10-13 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: MOHELA
State: MS

Complaint narrative:
Ny loan was moved from XXXX to MOHELA. I received messages online stating I did not renew my IDR. The messages were dated XX/XX/2022 but received XX/XX/2022. My application for IDR was sent to XXXX XX/XX/2022. I uploaded the IDR form the same day, XX/XX/2022. I received another message on XX/XX/2022 that was dated XX/XX/2022 and stated they needed 10 more business days to process my IDR. As of XX/XX/2022 my IDR is still pending with full payment over {$500.00} due by XX/XX/2022. It has been over thr 10 business day and no response in regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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 — Problem with personal statement of dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
To whom it may concern, My daughter had to have XXXX XXXX XX/XX/2017 at the time we lived at XXXX XXXX apartments. I was " Co Applicant ''. I knew at the time we moved in XX/XX/2017 that we would be moving or relocating to lower level or moving entirely and only be there no more then 6 month 's also knowing the Applicant was staying in the apartment anyway after I left. 
My daughter could not recovery going up and down steps. the office knew this at the time of move in this was coming. 
XXXX XXXX is a friend of mine and he knows my daughter went through this as well. 
I have sent certified letter to all 3 Bureaus with proof and have made several attempts to get this off my credit report and disputes as well, with this still not resolved. 
I have sent as proof and email giving my 30 day notice, proof of my daughters XXXX, time and date etc. 
I need this off my report, my daughter is now XXXX will be going to college and I am a single mother hoping to send her to college by knowing I will have to take a loan out for that expense. 
please help me resolve this or at least direction. 

Best regards, 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 2022-10-13 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: CA

Complaint narrative:
To whom it may concern, Last year around XXXX I decided to take a look at my credit report and saw that there is a XXXX  XXXX Bankruptcy being reported. I requested verification from the credit bureaus and XXXX. When I disputed with the bureaus that the Bankruptcy was not accurate and that I didn't want to be susceptible to identity theft they ( I also sent an affidavit ) they responded that they verified and it was " accurate ''. However, when I received a response from XXXX they said they couldn't verify or find my information, mind you I did include my social security number. So how were the credit bureaus able to verify my information with 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 2022-10-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX account # XXXX, XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a balance transfer with Capital one. The money was supposed to be sent from Capital one to XXXX. They made the mistake and sent the XXXX dollars to another bank : XXXX XXXX, to a non-existing account because there is no existing account with that number, and I don't have an account with that bank. Capital one told me it was cashed and that they cant give me my money back. We got on 3 way calls with XXXXXXXX XXXX, faxed them a copy of the check that capital one sent and confirmed they recieved the fax and were going to send the money back, capital one said to send it directly to me. Then i call XXXXXXXX XXXXk and they dont know what to tell me since I dont have an account with that number and that any checks they send directly to the banks. I call Capital One and then they tell me that they havent recieved anything. I called multiple times and even one member almost started crying saying they dont even know what to do and it might be XXXXXXXX XXXX Problem. Then she goes and tells me, that actually it was all their fault and the problem couldve been solved since XXXX because it was actually never cashed out and that they were going to give me my money back for any monthly payments I made, and that it should process within four days, to see no balance from that balance transfer on my account and recieve my money two days after that. I call again within that time and they tell me I actually have one to two cycles before it processes and that I have to pay those months. I call within that time and they act as if no notes were written about my account, and that they cant find those notes. I took the names of everyone i spoke to and im so frustrated because Im XXXX XXXX in college and can not afford to pay something that I shouldnt even be paying for, its messing up my credit, it wasnt my mistake and Capital one has been the worst experience ever. They hung up my call. They hung up my call, put me on hold for 10 minutes then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I entered into a scam agreement to purchase items from a XXXX account by the name of XXXX XXXX on XX/XX/2022. The account holder asked for an upfront delivery fee to drive the items to me. They asked for {$110.00} to be sent over Zelle to set up delivery for XXXX. The delivery never showed up and the account did not respond to multiple subsequent calls and messages on their XXXX account. The Zelle email address the payment was made to was XXXX and the name given for the bank account was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for two Credit Cards from two different Banks. Bank of america was seriously delayed so I called them. On the phone I was told I had a Freeze. I removed this a Few months back when I punched Land. the operator said I had a freeze but since she had me on the phone she said I can re-submit my application once again then put me on hold. So I got on my laptop to confirm if I was being lied too. I see on my laptop that I had not Freeze and that I was being lied too. The Bank assistant get beck on the phone and states '' Congrats you are approved for {$7000.00}. I told her wait! I just checked my Credit card Company that I placed a Frees on and Removed that Freeze and there is NO FREEZE! i said you lied to me! your Company lied to me. I said because you delayed my credit you had to lower my amount because as you can see XXXX XXXX gave me {$10000.00}. Because your company delayed my card and then used an excuse that I had a Freeze and as you can see this resubmission you did not mention on the then Siad because of your negligence I can not use you and do not want it. She then stated well, I have to read you these 4 things. I then just hung up. 
Well, I then get a letter from the Credit Card Company, Bank of America stating " At my request they have cancelled my Application. A second lie, because it went beyond Application and is Approved for {$7000.00} and Bank Assistant stated! Then lied and said my income is insufficient. I applied for a loan just a week ago and was approved for {$50000.00}. Then Bank of america threw in another lie stating I was denied because of no deposit or investment balance. 
Remember the woman on the phone told me I was approved for {$7000.00}. and still continued to lie writing we make decisions with current economic situations etc., etc. They did not mention the reason was becasue they dragged their tails and then lied and said I had a Freeze to cover themselves. Then Approved me for a Lower Amount then spewed out lies to cover their tails! Have to make this short your system stated I must hurry up or be timed out!

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 2022-10-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXX, I paid American Express {$70.00}. Additionally, on XX/XX/2022, I paid the XXXX XXXX of {$2000.00}. After paying my account XXXX XXXX, XXXX XXXX later, on XX/XX/XXXX, I received a bill for {$42.00} despite having a XXXX balance. For this reason, on XX/XX/2022, I spoke with several representatives, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, about interest charges owed on a XXXX balance. He told me the bill was valid and that he would credit me {$20.00}. However, when I called back, another representative said I had to get approval before receiving the credit. This is my second time dealing with this problem with American Express. On the previous occasion, the representative told me there was no charge on a XXXX balance and fixed the error ; however, this time, the representatives elected not to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/2022 SYNCB/Amazon -Not Authorized XX/XX/2022 XXXX XXXX XXXX XXXX- Not Authorized XX/XX/2022 XXXX XXXX- Not Authorized XX/XX/2022 XXXX XXXX XXXX  -Not Authorized XX/XX/2022 XXXX XXXX XXXX - Not Authorized XX/XX/2022 XXXX XXXX XXXX Not Authorized

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 2022-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
In XXXX Carrington didn't take their mortgage payment. 
It's now XX/XX/XXXX I believe still no payments taken out. 
Received a delinquency letter saying to call. 
As I told you earlier I don't have phone service right now. 
I hope you told them that in your response to them. 
An in their delinquency letter they sent forms for Mortgage assistance. 
I don't need mortgage assistance. 
All I need is them to take their money out of my account. 
It's all there waiting for them to take it. 
My payment date since I got this place has always been on the XXXX of each month. 
Since 2020 In my mind they should be removed from V.A. loans. 
Since I had purchased this place. 
3 times other companies have bought the loan and direct pay followed the buy. 
But not them. 
I'm XXXX XXXX XXXX and know every little about internet working. 
This problem started when they took the contract 6 or 7 months ago. Took 3 calls to make payment. Before they told me where to go on internet to start their direct payment. 
They don't even have any respect if you told them I don't have phone service. To get a hold of me by email

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TX

Complaint narrative:
I, XXXX XXXX, Federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My account number with Chase Bank was XXXX. 

On XX/XX/2022 I deposited a bonus check from my employer in the amount of {$25000.00}. Check number XXXX. The check cleared my employers account the following day. 

Several days later, Chase Bank said they needed to speak with my employer to verify that they had written me the bonus check. I gave them the phone number ( XXXX ) XXXX of XXXX XXXX XXXX XXXX. The bank employee entered the phone number into his computer and said he couldn't use that number to verify the check because it was not a " landline '' phone number. I explained that that was the ONLY phone number used by the company. 

XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, Florida XXXX. It is about 40 stories and the ENTIRE building does not use " landline '' phone numbers. The ENTIRE building is set up with VoIP as are most modern office buildings. 

I called Chase Bank several more times to explain this situation to them. All fell on deaf ears. They could care less. The bottom line was, if I could not provide them with a landline telephone number to call and speak with my boss then they were keeping my {$25000.00} and not releasing it to me. 

I explained all of this to my boss. He called Chase Bank and was told the same thing and that he could have his bank place a stop payment on the check to get his money bank. He called his bank where the check was drawn on and they told him that they could NOT place a stop payment on the check because it had already CLEARED their bank. 

I called Chase Bank again explaining all that to them. They told me my account was being closed and that the only way I could get my balance in the account was to provide a landline phone number which does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have disputed several transactions on my card- some were credited others have not been credited. I last reported a charge for XXXX over the phone, I never received a letter stating that it was being investigated and Wells Fargo won't allow me to check older transactions that may still be fraud. I have paid my account in full to avoid the interest charges for charges that are not mine. I have never allowed my account to be delinquent, but Wells Fargo has not done their absolute best to protect me and I'm not sure how many other fraudulent charges I've paid by mistake.

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 2022-10-13 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: FL

Complaint narrative:
DPT EDXXXX XXXX or XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX or XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Previous claim with CFPB, claim # XXXX, XXXX deleted the above account. 

I have attached a pdf file with the XXXX credit report of the disputes, which proves the deletion of this account.

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 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
this is not my account never did business Fraud

Company response to consumer: Closed with non-monetary relief