vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got an auto loan for a XXXX XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX. O contacted XXXX XXXXXXXX in XX/XX/XXXX to advise them I was not able to pay for repairs needed on the car and also I was not able to afford the car any longer. I spoke to XXXX XXXX on numerous occasions about this matter and let them know I wasnt in possession of the vehicle. I spoke to someone in the " impound dept '' for XXXX XXXX a male to let him know that the vehicle was at XXXX XXXX XXXXXXXX XXXX I was told they would go pick up the car. I was told it may or may not be considered a repossession. This was a voluntary repossession because I gave them back their car. Since then XXXX XXXX has kept adding fees as if I still have the car for monthly payments I paid when I had the car of XXXX XXXX monthly. They have continued to charge me this and I do not have the car. They have sent negative marks on my credit report as well. I have tried to dispute this and they continue to put negative balances on my account applying these fees monthly as if I had the car in my possession. They have basically harrassed me by calling every single day sometimes up to XXXX times a day. Ive had to get my number changed due to this. Its been constant harrassment. I have notified the XXXX of this as well because I am no longer responsible for this car as of XX/XX/XXXX. Whatever has happened or whoever has the car now is responsible for whatever fees. The car shouldnt even be in my name anymore. A XXXX employee looked up the vin and it showed another company or persons name has this car so why are they constantly reporting negative marks on my credit report and constantly calling sending mail to my family members home? This is Not my vehicle anymore! I gave it back to them! I no longer have any ties to this car and the negative marks and balances for this car needs to be removed!

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 2023-11-19 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am currently enrolled in school, so interest should not be accruing on my loans since they are all subsidized and I should not need to make any payments. However, my autopayments began on XX/XX/23. I contacted Aidvantage about this on XX/XX/23. Their automated reply promised a response within 2 business days. I am afraid to stop paying in case this affects my credit score. It is now XX/XX/23, and I have received no response from Aidvantage at all. My loans were previously managed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MA

Complaint narrative:
Chime closed my account after I received a deposit from my son for his rent in the amount of XXXX. I would like this money back and it has been months since this money was sent. I have tried to negotiate this money back with Chime but they have given me the run around about my account apparently being closed. Could the CFPB help me in any way with retrieving my funds. I appreciate your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Someone opened an American Express Card in my name and racked up the balance and never paid on it. I HAVE NEVER EVER HAD AN AMERICAN EXPRESS CARD IN MY LIFE! This is affecting my credit scores now and I want this removed! My name and SSN is on the Dark Web!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called to update my personal information my address name and job because all the information on my credit report is inaccurate and theyre refusing to update my information

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called to update my personal information my address name and job because all the information on my credit report is inaccurate and theyre refusing to update my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, XXXX a repossession company came to my home and said they were sent by titlemax for my car. Although I was XXXX dollars behind on my payment. I didnt not receive any letters.phone calls, texts or emails prior to this. They said since this was my second repossession they said I had to pay the entire balance of {$5500.00}. I asked why didnt I get a Right to Cure letter either time. I was told I was sent those letters in XXXX and those would be the only letters I received for the life of my loan. I was told that I was not allowed to make payment arrangements and that I would have until XX/XX/XXXX to pay or my car would be sold in an auction. I have contacted the local office and the corporate office but neither would work out a plan with me. I dont feel like I was given a chance to bring my account current and not enough communication about the repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
My complaint is with AMSHERCOLLECTIONSERVICES. 
The original creditor was XXXX XXXX XXXX. For the amount of {$770.00}. This account was originally my XXXX account closed in XXXX and was discharged in my bankruptcy. The collection company duplicated the account and used my company name rather than my name and reported it to my credit for the same exact amount {$770.00}. They claimed it was a separate account but they just used the company which is under the same social security number as my personal name which is as on the account. They knowingly duplicated my account and reported it to my credit ad a open account and changing the dates to be current over 10 times. I disputed the claim and it was removed every time. When the dispute was in my favor and removed from my report they changed the dates to be current and reported it again most recent report to my credit is Between XX/XX/XXXX and XXXX XXXX, XXXX, they claimed it is a open account yes this account has been close since XXXX and discharged by my bankruptcy since XXXX. I contacted the collection company and they said they could not help me and I needed to contact T-Mobile which I did, t mobile had no record of this account nor did they help me in any way. This collection service is fraudulently reporting inaccurate information repeatedly to my credit rating and trying to collect money from me using extortion which has cause me financial distress and lowered my credit score significantly. This has been re reported to my credit continually multiples of times starting in XXXX till this year XXXX. I am contacting a lawyer to start a civil suit for damages against this company and would like to press charges what ever I can do to stop the fraud they are perpetuating on consumers. Please help me stop this abuse. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I had not used my checking account in a very long time. Maybe a 7 to 8 months. 
I had less than {$10.00}. In the account and the bank never took funds. 

However I put money in my account so I could pay my mortgage. Soon as the funds was put in they took the {$800.00} Without warning. No notification sent to my phone. Normally I get a notification for everything from this bank. Randomly took the funds and said it was because of a credit card that was closed a year ago. 

The funds are not put back, they did not care the funds was for my mortgage. Now I'm a month behind. When I trusted a bank to protect me. They go and do this. I really needed that money. Now I have to figure out what I'm going to do to try and pay my mortgage, food ect. Why take funds now? Why not take funds the other months? Waited and took money causing a hardship

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
Hello I writing because this account was temporary and accidentally opened because I thought it was a loan but it was a program. I paid so it would not affect my credit then closed it because it was open erranously, also for the time its staying on and affecting my credit is not worth it, we pretty much had no business, please remove for me please as you see it wasnt a bad account, just closed after thought it was a loan... please remove from my accounts as you can see my story goes with account history.. thought it was a loan application

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 2023-11-19 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX  ( financial institution ), XXXX, XXXX, XXXX ( consumer reporting agencies ), individually and in XXXX have created, by way of unlawful actions, injury to me ( XXXX XXXX ). the aforementioned companies have, contrary to FCRA, continue to share personal non-public information without my consent, a blatant disregard to their responsibilities. I have the right to make sure my private information is not shared by reporting agencies. XXXX, XXXX, and XXXX are reporting agencies. XXXX XXXX XXXX XXXX is a financial institution. all having obligations " to protect the security of my nonpublic personal information XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX, XXXX and all have not received my consent to share my information in any form. I hereby, expressly revoke any and all consent, implied or otherwise. XXXX XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. this account continues to be reported as an adverse item without my permission, which is against the law. XXXX, XXXX, and XXXX are not maintaining reasonable procedures to avoid violations of FCRA. as such, I exercise my right to opt out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC
State: GA

Complaint narrative:
I have not been treat at XXXX XXXX XXXX. I Categorical deny owing this or being seen at this hospital. my car was stolen and had a few fraudulent transactions all have been resolved with the acceptation of this medical bill and apartment. I have lived at my current resident for 19 years,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I deserved to be compensated and those accounts that I mentioned in the certified mail I will be uploaded in attached that I sent including tracking number that I told them they have 15 days to provide since I been giving them more than 30 days in the past way too many times since 2020. How they gon na verified accounts with last activity, last payment, etc. is not same as other bureaus there is no way they verify. Obviously they reporting false accurately on my credit report when I ask them to delete but they been stubborn so I deserve to be compensated. I have proof that I've sent so Tracking Number - XXXX Certified Mail is in attached file that I sent is exact same pages I've sent included so I did asked for method of verification but they never provided to me but there is no way they verify every accounts they should've deleted those accounts long time ago so I am affected by false verifications in every letters I've received in the past " It been verified as accurate '' when it isn't...

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 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear sir, Today, XX/XX/XXXX of XXXX, I have received a letter to ask the further information to support the dispute ; however, there is no indication of claim number. Therefore, I can not send any information regarding the claim unknown. The information is supposed to be sent to XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

Sincerely,

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 monetary relief
Consumer complaint received 2023-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Hi, I notice some unauthorized inquires on my report. My auto loan of {$20000.00} is paid off already in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XX/XX/2023, I purchased a camera body from an XXXX seller for the total amount of {$920.00}. After sharing my experience with others, I have learned that I was the victim of a Fake Tracking ID ( FTID ) scam, as the item was delivered to the wrong address within my zip code, and signed for by a stranger as shown through USPS documentation. I attempted to resolve the issue with an XXXX case and appeal ( would not help me because it is within the same zip code and USPS/local post office did not help. I submitted a complaint through the XXXX banking app to dispute the charge and received a temporary reimbursement. However, following their limited investigation they ruled to remove the funds from my account. I provided documentation from USPS and XXXX along with a letter to explain my case, and did receive a response. Finally, after waiting for a few weeks, I called to ask about the status of my appeal and they informed me that they could not help ( once again due to it being within the same zip code ). I am very disappointed in their lack of help and am out of options to try getting my money reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: IA

Complaint narrative:
I purchased a digital {$300.00} American Express Gift Card at XXXX ( XXXX XXXX ) and it doesnt work anywhere. Its denied at XXXX, XXXX, XXXX, XXXX, and I cant add it to my XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wanting to make sure I was not over charged in fees, ect.

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