vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXXXXXX for what I believe to be unlawful and unethical debt collection practices. Below are the details of my complaint : Debt Information : Reference Number : XXXX Original Creditor : Nissan Motor Acceptance Co. LLC Amount : {$19000.00} Nature of Complaint : Lack of Verification : Despite my requests, XXXX XXXX XXXX XXXX XXXX has failed to provide adequate documentation to verify the validity of the debt. 

Discrepancies in Amount : The amount claimed by XXXX XXXX XXXX XXXX XXXX differs from my records and includes unexplained fees or interest. 

Harassment : I have been contacted at inappropriate times ( early mornings and late evenings ) and subjected to aggressive or threatening language, which is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccurate Reporting : XXXX XXXX XXXX XXXX XXXX has reported inaccurate information to credit bureaus, adversely affecting my credit score. 

Attempts to Resolve : I have contacted XXXX XXXX XXXX XXXX XXXX multiple times requesting verification of the debt and a breakdown of the amount claimed, but they have failed to respond appropriately. 

I have requested that XXXX  XXXX XXXX XXXX XXXX cease all collection activities until the debt is properly validated, but the harassment has continued. 

Any other relevant documentation, I appreciate the CFPB 's attention to this matter and look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am reaching out regarding my dispute over the charge of {$1700.00} for a hotel stay later in the year fraudulently billed to my Chase credit card on XXXX XXXX XXXX, from XXXX XXXX. After reporting this fraudulent transaction to Chase, this was mistakenly rebilled on XXXX XXXX XXXX. I called in and spoke with a Chase Recovery Representative and they explained that the merchant had verified my information on file which caused a rebill of the unrecognized fraudulent charge. I provided the following information to the Chase Fraud Recovery Representative to re-open the case : This merchant ( XXXX XXXX  ) has my saved contact/credit card information as I have previously made transactions with them. My contact information, addresses, email, phone number, and even credit card information were already saved in their systems. 
The charge that was disputed was an unrecognized charge that I did not make. When Chase reached out to the merchant, all my saved information was provided to verify the charge even though I did not make this transaction. 

Today, on XXXX XXXX XXXX, I called Chase and they again would not assist with this saying the fraud charge was verified. I then called XXXX XXXX directly to see if they would be able to assist, but they tried to coerce me into accepting that I made the charge to send a cancellation email for a final sale which would likely be rejected. I told them I would not accept cancellation because then it would place responsibility on me that I made the charge. 

This was either a case of identity theft or error on the side of XXXX XXXX charging my Chase credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: CA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-14 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: CA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-14 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: MN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-06-14 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: AR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on or about XXXX the complainant opening a checking account with capital one, at sometime in the month of XXXX XXXX XXXX  an unauthorized and/or incorrect charge of nearly {$2000.00} dollars was billed to the complainants account by XXXX XXXX XXXXXXXX XXXX XXXX the complainant filed a complaint or/and grievance with capital one in regards to the unauthorized charge. capital one failed to do a proper investigation into the charge in accord with the FCRA and other new york consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for & was granted Unemployment Benefits XXXX quarter XXXX during the initial uproar & mass confusion of XXXX. 
I received a Bank of America Debit Card in XXXX of XXXX to -- presumably -- begin access of my benefits. I ACTIVATED THE CARD BUT MY ACCOUNT WAS NEVER FUNDED. 
XXXX Debit Card Assistance was UNAVAILABLE : the CA XXXX XXXX line was nonstop jammed for months from XXXX - XXXX. I thus turned to my own local BofA Branch XXXXager who discovered that the XXXX  Debit Card Process had been subcontracted out to parties unknown working under the BofA logo. My bank of XXXX yrs could not help me. 
With no resources left and exhausted by interminable hold times and disconnects, I tabled my claim for approximately {$5000.00} because ... what was I supposed to do? Hire an attorney or other advocate when out of work? All of this was crazy-making. 
Finally in XXXX of XXXX, I picked up the gauntlet again and found that XXXX had installed a new telephone response system. An " elevated agent '' agreed to run a pay-out accounting of my benefits AND gave me a BofA vendor phone number to have them run same. ATTACHED ARE THEIR RESPONSES from XXXX, XXXX. 
NET NET : BofA XXXX XXXX out of Delaware claimed that CA XXXX had never funded my acct. XXXX meanwhile claimed that they'd wire-transferred XXXX payments, dating to early XXXX & XXXX of XXXX, successfully to BofA Debit Card on XX/XX/XXXX & XXXX, XXXX. ( They bunched up XXXX payments into XXXX for some inexplicable reason. ) I now had PROOF that I was at an impasse with my both of my key parties pointing fingers at each other. 
FINALLY I THOUGHT TO CONTACT MY CONGRESSPERSON 'S OFFICE. An aide there researched my matter, reached out personally to XXXX and discovered from them & from peers in other congressional offices that I was not the only constituent struggling with non-payment of XXXX unemployment benefits. So finally, between CA Elected Officials XXXX XXXX & XXXX XXXX, I have arrived HERE to file a proper and righteous complaint. HELP. ONCE AND FOR ALL. HELP.

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 2024-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I had a XXXX XXXX, XXXX appointment with XXXX XXXX in XXXX Illinois XX/XX/year>. The representative presented a bill for the services rendered that day, tooth brush, and mouth guard and future follow-up care. I opted out of the toothbrush, mouthguard and future appointments and paid for the services in full to that date. I told her I was not coming back and confirmed I was paid to date. 
However, I still got reminder calls for appointments I never set and continue to get a {$350.00} bill for services that I never received. I called to speak with this representative and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Since submitting the appeal, I have eagerly awaited any update or acknowledgment from the Consumer Financial Protection Bureau ( CFPB ) regarding the matter. Regrettably, to this date, I have not received any communication or indication that my appeal is being addressed or considered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: NC

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-06-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-06-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I took a home improvement loan for the " same as cash ''. I wen into the deal although I had a previous bad experience with the same lender through a contractor I was working with ( The financer said that I have signed the project complete and acceptable during the time frame that I was not even in the country to sign ) I figured that this time the experience will be different. But when I went to set up the Autopay in a way that I can finish the payment in the 365 days so that I do not get charged interest, I noticed the website does not do Autopay for more than the minimum payment which I found very troubling. Having to log into the account to make additional pay every time kind of defeats the purpose of " AutoPAY ''. 
About 40 days ago I called XXXX XXXX to make a bulk additional payment and also enquire about when the same as cash deal will run out because I have moved to a different state and my contract documents are not easily accessible to me. And I was told that XXXX XXXX XXXX would be the day that my same as cash deal runs out. I just called them today ( XX/XX/XXXX ) to make my final payment and close the account and I was told that my same as cash deal had expired as of XX/XX/XXXX and now I owe interest on the whole loan ( at actually 18 % even on the amount that was already paid the prior month ). I accept that it is my responsibility that I keep an eye on the contract but I Mariner could also make the whole process easier by allowing people to set up AutoPay to more than the minimum amount. It did not also look fair to me that I will be charged interest even on the money I have paid for the loan so far ( borderline predatory ). I did have a couple of conversations with office and branch manager in XXXX, MD but they did not offer resolutions that I found satisfactory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: NJ

Complaint narrative:
PLEASE BLOCK AND REMOVE It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.

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 2024-06-14 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: NJ

Complaint narrative:
PLEASE BLOCK AND REMOVE It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.

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 2024-06-14 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: GA

Complaint narrative:
I am writing to formally submit a complaint that Transunion is reporting fraudulent employment information on my TransUnion credit report. This incorrect information is causing significant harm to my credit standing and personal reputation, and it must be corrected immediately. 

Disputed Employment Information Employer Name : XXXX XXXX XXXX Employer Name : XXXX Basis for Dispute Incorrect Reporting : The above-mentioned employment details are entirely false. I have never been employed by these companies. 

Supporting Documentation Enclosed with this letter, please find the following documents to support my dispute : 1. Copy of my Credit Report Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report and expect a reasonable investigation by TransUnion. Furthermore, 15 U.S.C. 1681s-2 obligates furnishers of information to provide accurate data to credit reporting agencies.

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 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union used autopay, as scheduled, to pay mortgage. Bank then applied the mortgage payment to another account without notice or warning or authorization. Bank then returned the scheduled payment and informs me the mortgage not paid. Bank then asks me to pay mortgage payment - again- and I did. They can not confirm that payment is processing or will be processed. 2 mortgage payments in 2 weeks and bank can not justify why they are not applying money where it needs to be applied. Bank is now withholding all cash deposits and not applying them to my accounts- {$7000.00} in total to payoff auto loan and is not letting me payoff the loans orbdepoait cash. Bank has stolen funds without any notice. Bank is filing negative credit bureau reports, stealing my money, and not paying the autopayment bills to correct accounts as scheduled. Bank is not providing any written information, notice, justifications, or evidence of anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to follow up on my previous communications regarding the inaccuracies on my credit file. Despite multiple attempts to address these issues, I have yet to receive a satisfactory resolution.

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