vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX  reports on my credit file And account is not mine

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 2022-07-19 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: World Acceptance Corporation
State: OH

Complaint narrative:
World financial reports on my credit file And account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
this is in regard to my credit card with Comenity ; My BJs Perks Mastercard I always maintain a XXXX balance on credit cards. Never pay interest or fees. My XXXX statement came on XX/XX/XXXX. I mailed a check for the full amount on XXXX XXXX, XXXX. Comenity cashed it on XX/XX/XXXX, making it two days late. I was assessed a late fee of {$29.00} and interest of {$6.00}. I called to complain and was assured that my check was cashed the day it arrived. I paid the charges assuming it was the fault of the post office. My XXXX statement for {$140.00} arrived on XX/XX/XXXX. I mailed a check in that amount on XX/XX/XXXX. Comenity cashed it on XX/XX/XXXX, a full month later. I was assessed a late fee of {$40.00} and interest of {$2.00}. I again called and was advised to pay on line to avoid late fees. It is readily apparent that either by design or administrative inefficiency checks are being held and fees incurred as a result. I paid the unwarrented fees and closed the account. I am XXXX years old and prefer to pay by check. I have maintained a credit card with XXXX XXXX for several years and have not paid a penny in interest or late fees. All my other checks arrive timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
There are several inquiries on my credit account that should not be there. I have already contacted the bank and other financial institutions regarding the hard pulls. I will like these removed asap. These hard inquiries are affecting me in many ways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2022, I sent Synchrony/Mattress Firm a certified letter regarding the account in question, in which they are claiming that I owe {$580.00}. I explained to them that I do not owe what they are saying I owe and the letter was a formal notice that their claim is disputed. I also requested validation ; that is competent evidence bearing my signature with my social security number, showing that I have ( or ever had ) some contractual obligation to pay them. In addition on XX/XX/2022, I sent another certified letter and this is my 2nd attempt trying to get this resolved and OFF my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX I have sent a money wire to my older brother XXXX XXXX who resides with his family in XXXX XXXX The money sent was money owed to him from inheritance. The total amount was {$50000.00} I have sent the money using my Capital one checking account to his checking account in XXXX XXXX bank. On XX/XX/2022 my brother texted me stating his bank received a message that funds were put on hold and that they needed additional information. I called Capital one on XX/XX/2022 and they sent me a fax to prove that funds were submitted and it was good on their end and that no one has contacted them for more information. Then my brother did more investigation and it turns out that the intermediary bank which is XXXX XXXX is holding the money. I did a conference call with my brother with Capital one on XXXX XXXX and a case was open on why funds were not deposited and it asked for money to be either deposited or return. On XX/XX/2022 I called capital one bank and they said they open a new request for XXXX XXXX to release or refund the money, I called Capital one again on XX/XX/2022. They lady said XXXX 's XXXX is not responding and not releasing the money. I do not trust XXXX XXXX. I also did not ask Capital one to use them. They are keeping my money for no reason and I am not sure what they are doing with it, but I do not trust them and their history speak for them. I would like for the fund to either be deposited to my brother 's account or returned to me. Since Capital one is the issuing bank they bear that responsibility. 
I did not ask them to send the money via another bank, specially XXXX XXXX which I do not trust nor I have an account with Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I obtained a loan for {$19000.00} in 2003. I have been making payments since then. I have paid in principal {$18000.00}, Interest of {$8200.00} for a total of {$26000.00}. AES says that I still have a balance of {$18000.00}. I called several times and I do not have the dates, was also sent an amortization schedule as I requested and it is not correctly calculated. When I brought this up, they stated it is but could not explain how I have paid this much over 19 years and still owe the same amount I borrowed. AES encouraged me to file a complaint and this is what I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CT

Complaint narrative:
Numerous past CFPB complaints filed regarding missing funds from combined accounts including checking, savings, money market totaling the amount of {$140.00} from Discover Bank. As explained prior, Discover sent funds to XXXX XXXX as part of fraud claim in amount of {$690.00} several months ago in 2021. The amount does not cover claim and according to several reps in XXXX XXXX executive office, the check was not cashed, rejected back to Discover, XXXX XXXX does not accept partial payments such as this amount, {$140.00}. I attempted to explain this to XXXX with Discover Bank executive office, he claims instructions from XXXX XXXX show remaining funds in account ( XXXX ) with Discover to be sent to XXXX XXXX which does not match up with what XXXX XXXX in XXXX XXXX executive office stated, XXXX XXXX does not accept partial payments and check was rejected back to Discover, as stated prior ... XXXX  stated another check could be sent, in which case, I advised it would also not cash as is the same with prior check sent.. XXXX  and I talked in circles in re, I then made numerous attempts to speak with a manager in charge, numerous messages left with XXXX and XXXX, none returned... When I followed up, XXXX attempted to refer me to XXXX and or provide his number in which case, I attempted again to reach a manager by requesting one and leaving a message.. Numerous additional attempts were made to speak with a manager, additional messages left with XXXX as well... Most recently, I was able to get in touch with XXXX, a manager, unfortunately she referred me to current rep at the time handling CFPB complaint by the name of XXXX ... XXXXShe stated XXXX would reply in a few days ... Her reply stated a check in amount of {$140.00} was sent, however, it was not included in her reply.. Today, XXXX, I attempted to reach out to XXXX to confirm check sent and by which carrier either, XXXX, USPS XXXX XXXX XXXX etc XXXX I was told she is not in by XXXX, rep whom took call.. XXXX tried to imply check was expedited via XXXX in which case I advised I have no notification from XXXX showing a package or envelope from Discover Bank sent to me ... I am signed up for alerts with Fedex as well as UPS , when a package is sent or arriving, an email is sent showing me the name of shipper as well as tracking ID and expected delivery date... I've double checked and there is no package from Discover.. Needless to say, it appears information provided by XXXX is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: FL

Complaint narrative:
Account name XXXX XXXX XXXX XXXX  Collection Account : XXXX 15 USC 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 account without my 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 non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST HERITAGE CREDIT LLC
State: TN

Complaint narrative:
Received a THIS IS A LOAN check in the mail from 1st Heritage approximate amount {$1500.00}, deposited to account and made 5 {$110.00} payments and got behind 2 payments. Branch manager came to my HOUSE and left handwritten threatening notes in my mailbox spring of XXXX during XXXX! When I called to ask why he was putting things in my mailbox he replied I walked up and knocked on your door too. Spoke with district manager who profusely apologized said no one should be knocking on your door or coming to your home to demand payment told me that I could keep making payments and account was in good standing. Made 3 more payments that never credited to account and 2 years later ( XX/XX/XXXX I receive a notice that my paycheck would be garnished for {$2000.00} XXXX from an attorney so called 1st heritage and got the same branch manager and I requested a copy of my payoff because I thought I had paid the loan off in full he told me to prove it and hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: KS

Complaint narrative:
A company openned a collection account on my XXXX Credit bureau. I do not know this account. However, I do have one idea who it is. XXXX XXXX XXXX  was warned, they called me at XXXX. I filed a complaint with the company. The violated they violated the FDCPA by calling me at XXXX. I have it documented. This account was disputed and I believe they are violating interest rate usury rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Trip Cancellation coverage : Due to a severe medical issue, I was advised by 2 physicians not to travel so I had to cancel an out of country cruise. Because it was at the last minute, the Cruise line fee was 100 % non-refundable. 

My Chase XXXX credit card was used to book the trip as it covers trip cancellation coverage as a benefit so a claim was filed for only the non-reimbursable cost of the trip. All required and requested documentation for the claim was submitted in a timely manner. The last request for information from the claims examiner was XX/XX/2022. 

Since the claim is for an amount greater than {$10000.00} it appears that there is a delay. Chase statements were submitted as documentation. I have been told in XXXX that Chase Benefits services required a full trip itinerary .That information was included in the documentation submitted in XXXX. The claims examiner also said they were waiting on Chase to verify the charges submitted as statement copies but would NOT advise who or when the request was made to. 

I believe this is a delaying tactic to not pay the claim in a timely manner. I have called repeatedly to resolve the issue only to stay on hold for several hours without a call pickup. I have sent emails that were not responded to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Hello, we have an issue with GM Financial refusing to acknowledge an excess mileage waiver in their GM Lease Agreement - dated XX/XX/XXXX. We have been trying to resolve this matter since we returned the leased vehicle in XXXX. At that time we purchased a new GM vehicle. The GM dealership submitted the lease agreement as well as the excess mileage waiver at the time we returned the leased vehicle to the GM dealership. Then on three separate subsequent occassions, we explained to the GM financial representative that we had a contractually binding excess waiver agreement and sent a copy of the excess mileage agreement to them. The calls and bills would stop for a little while and then the calls would begin again. Please see attached e-mail explanation that was sent to GM Financial explaining everything again. Since we are disputing the charge and providing proof of the legally binding waiver, the bills have stopped but the GM Financial harrassing phone calls on a daily basis have not stopped. Again, the leased vehicle was returned along with the contract/waiver in XXXX. GM Financial representatives call our home telephone number daily. GM Financial represenatives call my cell phone daily and they are calling my place of employment on a regular basis. I can provide a record of phone calls that come in almost daily. GM Financial has yet to acknowledge the excess waiver contract. I guess they think that if they harrass us with daily phone calls since XXXX, that we will just pay the {$400.00} to have them go away. That is not going to happen because we do not owe money on excess mileage. It's hard to believe but the almost daily harrassment is over an illegitimate {$400.00} bill. GM Financial added lates fees and interest to the fictitious charge to bring it to XXXX. Ridiculous- isn't it? There is a legally binding excess waiver agreement. There is no {$400.00} balance due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 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: NY

Complaint narrative:
in accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization 0 Late Payments XXXX Age of Account XXXX XXXX  XXXX  CLOSED Account Status N/A Credit Utilization 0 Late Payments XXXX XXXX Age of Account XXXX XXXXXXXX XXXXXXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$1700.00} Remaining Balance Last Payment Amount 0 Late Payments XXXX Age of Account DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX {$3000.00} Remaining Balance Last Payment Amount 0 Late Payments XXXX Age of Account XXXX| xxxxxxxxxxxx XXXX CLOSED Account Status {$13.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account UXXXX XXXX XXXX XXXXXXXX CLOSED Account Status {$0.00} Last Payment Amount XXXX Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX CLOSED Account Status {$15.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account 15 usc 1681a 4 fcra section state i have the right privacy 15 usc 1681b section 604a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions which basically is saying that unless you give the company written consent to put this on your report that is the only way that they're allowed to report it to the credit bureau, which I have not given any permission. then it says 15 usc 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 they may only report crimes not debts which the report by more than three years 15 usc 1681 s 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.

15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

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 2022-07-19 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: NY

Complaint narrative:
in accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account XX/XX/XXXXXX/XX/XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX Age of Account XX/XX/XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of AccountXX/XX/XXXX| XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$1700.00} Remaining Balance XXXX XXXX Amount XXXX Late Payments XXXX Age of Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$3000.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX Age of Account XX/XX/XXXX| xxxxxxxxxxxx XXXX CLOSED Account Status {$13.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account XX/XX/XXXX CLOSED Account Status {$0.00} Last Payment Amount XXXX Late Payments XXXX Age of Account XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX CLOSED Account Status {$15.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account 15 usc 1681a 4 fcra section state i have the right privacy 15 usc 1681b section 604a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions which basically is saying that unless you give the company written consent to put this on your report that is the only way that they're allowed to report it to the credit bureau, which I have not given any permission. then it says 15 usc 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 they may only report crimes not debts which the report by more than three years 15 usc 1681 s 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.

15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

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 2022-07-19 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 Bankruptcy XXXX XXXXXXXX account # 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 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