vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I received a bill from ERC in XXXX Florida stating that I owe XXXX. 
The issue is they are claiming its from XXXX XXXX XXXX who I called and has no record of debt. I was ready to write this off as a scam, except that after reading up on it, they seem to have the ability to put this on my credit report. I cant give them my information now that I know theyre not trustworthy, and I cant just leave it. I need assistance. 

XXXX actively trying to adopt and also save for a house. This could hurt all of my progress if not corrected and is clearly a coercion attempt that they have put many people through. 

Here is the information they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I need a new identity I've been getting fraudulent activity happening on my end for years it's like this is some sick joke just recently there was an activity any amount of a little bit over a XXXX dollars and I can't pay my bills I can't keep up I can't battle this constant fraud in my name I'm at the point where I just want to XXXX  myself cuz I can't do this anymore please somebody help me and this is going to stop why and why do I have to keep paying for it Chase Bank knows about this and they don't care I got a new account and still so what they do is just go back to the old account and say oh this happened and charge me for it when somebody's obviously stealing in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
OneMain - XXXX OneMain continues to increase the balance of an account that was charged off. Per 15 U.S. Code 1692f - Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Screen shots are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I forgot to make a payment on my XXXX XXXX XXXX for {$330.00} in the month of XX/XX/XXXX. A Toyota agent called me on XX/XX/XXXX and informed me of this and on the phone I scheduled a payment with the representative, the agent waived the late fee as well. The following days I checked my bank account, the payment pulled successfully on XX/XX/XXXX and I received an email from Toyota saying that the payment was posted to my account, I was now all caught up on payments. I then made another payment on XX/XX/XXXX for the amount of {$330.00}, this was to pay for the month of XXXX. XXXX I receive a statement in the mail saying that I owe two payments, one for the month of XXXX and XXXX for the month of XXXX. When I called Toyota they claim they never got my payment on XX/XX/XXXX for my XXXX XXXX. 
I reached out to them multiple times, I followed their protocol of faxing over my bank statement showing that the payment was pulled and never returned to me and I even had them notate in my account that the I did indeed fax over the bank statements to both numbers given to me. I had let the representative know that the fax was showing up on my end as no answer and requested some form of receipt for the fax to ensure it was sent but they told me there was no way to issue me a receipt but its rare that they dont get faxes. I paid my XXXX payment and then I called Toyota again on Monday XX/XX/XXXX to see if they updated my account as I sent the faxes on XX/XX/XXXX around XXXX. The representative let me know that the finance department was waiting to receive all faxes ( from XX/XX/XXXX ) and this agent said he would call me back the next day with an update, nobody ever called me back. They have never updated my account to reflect the payment or refund me and nobody seems to have an answer for me but I just got my XXXX statement and it shows that I still owe my XXXX payment and there is now a late fee. I have reached out and nobody seems to be able to mark my account as paid or re issue me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I have no idea what this debt from XX/XX/2022. I have not opened a new account in years. I never received any written/mail correspondence regarding this. 
I found out about it because it was generically reported to a credit bureau today. 
I did receive some robo calls in the past week of someone impersonating a lawyer/lawsuit and XXXX they are coming to my house and if Im not home they are coming to my work and if Im not at work they discuss the matter with my supervisor It looks like it came from the XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : XXXX XXXX XXXX compensation, refund, rebook Message : On Saturday XXXX XX/XX/XXXX, I was scheduled on XXXX XXXX XXXX XXXX. Because of equipment unavailability, the flight was delayed past XXXXhe point of the upcoming layover in XXXX for a connecting flight. 

XXXX XXXX did set up a ground transportation voucher, and a connecting flight from another XXXX XXXX XXXX XXXX 

However, I was not compensated for any meals or the delay. 
In addition, the refund for XXXX has yet to be processed, even though a significant time has elapsed. 
I also need to book travel ASAP for a replacement flight, and a significant refund is being held up for XXXX, in addition the only active XXXX reservation is giving an error message. 
This was booked through Chase Sapphire and this process would be a XXXX times easier if booked through an airline instead of them, but either way there needs to be a prompt and fair resolution to reverse fraudulent charges, and avoid further legal action. Chase is using a subcontractor that is under investigation for abusing consumers. 

XXXX XXXX XXXX customer service rep yesterday, Chase is using a 3rd party XXXX ending in XXXX expiration date XX/XX/XXXX. 
This is instead of my Chase Sapphire XXXX card ending in XXXX, that was billed repeatedly for the original transactions. 
XXXX XXXX XXXX reps were unable to book future travel or process refunds because of the third party payment system info Chase refused to correct. 
There should be notes from customer service reps about my account and the pending transactions that need to be completed. 
I also request a fair accounting of where and when financial transfers are processed and a written trail to document the movement of funds. 
Please kindly investigate, expedite, and process compensation, refunds, and/or flights to correct this most unusual situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, I spoke with the Fraud Department of Bank of America who confirmed that a someone had used my name to apply for a credit card. Bank of America had approved the card ending in number XXXX. 

I then spoke with XXXX from the credit application department who assured me the credit card had been cancelled. Case # XXXX. 

Note : I spent more than 5 hours on hold dealing with the above departments. 

On XX/XX/2022, I received a letter stating that I've been approved for a Bank of America credit card ending in XXXX and should be receiving the card within two weeks. The letter said to " please call us 24/7 at XXXX '' if you have any questions. When I tried I got a message stating to call back when they are open.

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 2022-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Hello i have been bullied and harassed income driven payment option with the option help me at all. I enter into i employee service loans was denied. now i was told to consoled =ate 1 loan that i been on for 25 years. The latest issue i was given a payment extension until XXXX on Friday XXXX XXXX. The next hour i was report 90 days late and my XXXX credit went from XXXX to losing XXXX points. I need to have my account updated and remove the 90 late charges off my XXXX credit report. I am asking the bureau to investigate these scratchy practices. We in recession and the only one is benefiting is this 9 % interest rate that Navient use to win. Income driven repayment payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I HAVE SENT OUT COUNTLESS LETTERS TO ALL OF THE CREDIT COMPANIES AND THEY REFUDE TO COMPLY WITH MY REQUESTS TO REMOVE THE HARD INQUIRIES FROM MY CREDIT REPORY BECAUSE SOME HAVE BEEN DISCHARED THROUGH MY BANKRUPCY AND SOME ACCOUNTS HAVE BEEN PAID OFF... BUT THEY ARE ALL STILL ON MY CREDIT REPORT. I KNOW THAT THE XXXX XXXX XXXX BANKRUPCY WILL REMAIN ON MY CREDIT REPORT FOR UP TO 10 YEARS THE HARD INQUIRIES ARE STILL ON MY CREDIT REPORT BUT HERE IS A LIST OF THE HARD INQUIRES THAT WILL LIKE TO HAVE REMOVED ... ... ... .... 

*XXXX XXXX  ( XXXX XXXX THIS IS PART OF THE BANKRUPCY ) *XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX ACCOUNT WAS PAID OFF AND PART OF THE BANKRUPCY ) *XXXX XXXX  ( XX/XX/XXXX ) -I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$530.00} ) XXXX XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$620.00} ) *XXXX XXXX XX/XX/XXXX ) I DO NOT EVEN KNOW WHAT THIS ACCOUNT AT ALL *XXXX XXXX  ( XX/XX/XXXX ) I NEVER OPEND AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX  ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM OR HEARD OF THEM BEFORE *XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT OR HEARD OF THEM BEFORE I WOULD REALLY WANT THESE HARD INQUIRES REMOVED FROM MY CREDIT REPORT OR I WILL BE FORCED TO FILE THE NECESSARY PAPERWORK TO FILE A LAWSUIT THANK 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 explanation
Consumer complaint received 2022-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX I sent a letter in writing to investigate accounts I wasnXXXX XXXX percent sure if the information was accurate or not so in letter I asked all three bureaus XXXX XXXX XXXX n XXXX to do an investigation all information from XXXX XXXX Capital One XXXX XXXX and XXXX XXXX bank came back as verified by all three bureaus I then pulled my credit report to find out the information wasnt XXXX percent accurate at all without proof of accounts being XXXX percent accurate they must be deleted well they wasnt accurate and all three bureaus continued to report the inaccurate information sent by XXXX XXXX Bank # XXXX, Capital One Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX Bank # XXXX all accounts continue to violate my rights by reporting inaccurate information to the credit bureaus who then reports to my credit file its stopping me from getting my dream house or my dream car a loan and lines of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
This complaint is in regards to Nissan XXXX. I purchased and financed a vehicle for my sister as a co-signer to get her a new car and help build her credit. There was a technical error that involved payments not being withdrawn from my account. The issue went undetected for 3 months because I never received any written statement, phone call or email regarding the issue. Because my Sister was listed, she was the primary contact and never answered the call because Nissan may look like a spam caller.

My credit score has always been emmaculate and cash on hand has always been 4x this assets value. I reached out to explain my issue and was told to take it up with XXXX, their investigation did not result in any fixing of the issue. 

I have obtained an attorney and was told to start here with CFPB. Because of this issue, my credit score tanked XXXX pts ( somehow I didn't even get alerted. ). This impacts me greatly and affects my ability to buy a home if I choose to. 

I'm looking for assistance to work with Nissan to get this resolved. The automatic drafting has worked since speaking to their support. I have all records of cash on hand, credit history, and automatic withdrawals working now to support this case. 

Please halp XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
World Finance XXXX World Finance Corporation continues to increase balance of charged off account. Per 15 U.S. Code 1692f - Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Screen shots are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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:
A copy of my ID is attached. My last CFPB complaint was XX/XX/XXXX and you the credit bureau has taken more than 30 days and you hit me with another stall tactic. Rights has been violated left and right. Here is my complaint once again. 

I have sent a total of 16 letters between XXXX, Transunion, XXXX, XXXX XXXX and XXXX XXXX XXXX collection agency with proof of unfair inaccurate reporting they are doing to my consumer credit report. Each time my dispute comes back verified, or Ig get no response at all, which I do not see how when there are so many missing data fields, dates and remarks not the same on my reports. My question is if the company keeps updating the account then shouldn't the account have the same information since by law they have to update all of the bureaus/ agencies with the update? So now it comes down to me calling them out for unfairly adding the accounts to my credit report in the first place. 15 US.C. 1681 SECTION 602 A, SAYS I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SAYS A CONSUMER REPORTING AGENCY CAN'T FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT. I XXXX XXXX have never gave XXXX, XXXX, TRANSUIN, XXXX XXXX, OR XXXX XXXX XXXX MY WRITTEN CONSTENT TO ADD THE ACCOUNTS TO MY CREDIT REPORT AND DEMAND THEY 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 non-monetary relief
Consumer complaint received 2022-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
the card is showing as 30 days past due on credit reports for XXXX however i made two payments in XXXX XXXX on the XXXX for the XXXX payment and one on the XXXX for the XXXX payment. there should NOT be a late payment for XXXX as it was paid on XX/XX/28. i called and reported this to citi to which they replied " you are not showing late you are current. the credit reporting companies are reporting false information on tons of peoples credit reports. call them and deal with them. '' called XXXX to confirm if there was a late payment for XXXX being reported and they told me there was a late payment reported for citibank for XXXX XXXX i opened a dispute with XXXX to resolve and citi bank said they will provide documentation showing there is no late payment for XXXX so we'll see if that documentation is actually provided or not and the late reported payment for XXXX is removed as it should be since its completely incorrect.

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 2022-08-07 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: DE

Complaint narrative:
While reviewing my credit report I noticed some inconsistencies. I noticed that listed there are 8 open accounts when there should be a total of 9. The XXXX XXXX account XXXX is missing. I also noticed there are closed accounts which is student loans from XXXX which I asked that they be removed because they were opened 12 years ago.. Also a violation may have taken place because the same loans are reporting as re-opened or Re-aged in XXXX I am asking that a full detail investigation is completed and that the accounts are removed as soon as possible. Per FCRA accounts over 10 years max should can be removed ... I also see inconsistencies with XXXX XXXX account XXXX and due to that I am asking that all late charges be removed or the account altogether be removed.. On XXXX the balance is being reported as {$9800.00} while on XXXX and Equifax the balance is reporting as {$15000.00}. 
Also inquiries that include XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX asking that they all be removed because I did not request credit with these creditors.. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: Grant & Weber
State: CA

Complaint narrative:
A copy of my ID is attached. My last CFPB complaint was XX/XX/XXXX and you the credit bureau has taken more than 30 days and you hit me with another stall tactic. Rights has been violated left and right. Here is my complaint once again. 

I have sent a total of 16 letters between XXXX, XXXX, XXXX, XXXX XXXX and Grant & Weber collection agency with proof of unfair inaccurate reporting they are doing to my consumer credit report. Each time my dispute comes back verified, or Ig get no response at all, which I do not see how when there are so many missing data fields, dates and remarks not the same on my reports. My question is if the company keeps updating the account then shouldn't the account have the same information since by law they have to update all of the bureaus/ agencies with the update? So now it comes down to me calling them out for unfairly adding the accounts to my credit report in the first place. 15 US.C. 1681 SECTION 602 A, SAYS I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SAYS A CONSUMER REPORTING AGENCY CAN'T FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT. I XXXX XXXX have never gave XXXX, XXXX, XXXX, XXXX XXXX OR GRANT & WEBER MY WRITTEN CONSTENT TO ADD THE ACCOUNTS TO MY CREDIT REPORT AND DEMAND THEY 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 2022-08-07 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: CA

Complaint narrative:
A copy of my ID is attached. My last CFPB complaint was XX/XX/XXXX and you the credit bureau has taken more than 30 days and you hit me with another stall tactic. Rights has been violated left and right. Here is my complaint once again.

I have sent a total of 16 letters between XXXX, XXXX, Equifax, XXXX XXXX and XXXX XXXX XXXX collection agency with proof of unfair inaccurate reporting they are doing to my consumer credit report. Each time my dispute comes back verified, or Ig get no response at all, which I do not see how when there are so many missing data fields, dates and remarks not the same on my reports. My question is if the company keeps updating the account then shouldn't the account have the same information since by law they have to update all of the bureaus/ agencies with the update? So now it comes down to me calling them out for unfairly adding the accounts to my credit report in the first place. 15 US.C. 1681 SECTION 602 A, SAYS I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SAYS A CONSUMER REPORTING AGENCY CAN'T FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT. I XXXX XXXX have never gave EQUIFAX, XXXX, XXXX, XXXX XXXX, OR XXXX XXXX XXXX MY WRITTEN CONSTENT TO ADD THE ACCOUNTS TO MY CREDIT REPORT AND DEMAND THEY BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
Identification of status to company LENDMARK FINANCIAL SERVICES cooperate office with billing errors with IRS pub. U.S.C. and UCC commerce and trade understanding with honor on UCC and was rejected and negotiable instruments with stipulations was deposited TITLE 15 USC 1611 TITLE 15 USC 1605 TITLE 16 CFR 433.1C 433.2 433.3 TITLE 12 USC 1431 12 USC 411 18 USC 8 HJR 192 73-10 ( CHAP 48.48 ) UCC 3 -603 306 311 501 502 104

Company response to consumer: Closed with explanation