vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: UT

Complaint narrative:
During the time of XXXX and XXXX of 2023 I had XXXX XXXX and was out of action for awhile. I ended up being late on my student loan for those two months. 
Im trying to refinance my house but I need a higher credit score, and its the loan that Aspire is servicing that is holding me up. 
In XXXX of 2023, I got caught up with the student loan and have been current ever since. 
I called Aspire Servicing to see if they would work with me in having those late payments removed, but they said they do not do goodwill adjustments to the 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 explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I purchased 2 XXXX XXXX XXXX XXXX from XXXX XXXX. Upon opening the seats were very cheaply made and i asked to return within policy of 30 days to request a return. The seats were returned within 30 days. XXXX tracking confirmed seats delivered back to XXXX and signed for. XXXX will not issue refund. I am being charged for goods i do jot have

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 2023-09-08 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: MD

Complaint narrative:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. US DEPT ED XXXX Balance Owed : {$7900.00}

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Hello. 

I have submitted a request to close my account with Chime. I have expressed to them on more than one occasion that my information was stolen when my cellphone was hacked. My ID, SSN and personal and business information was stolen as well as account numbers. These individuals have been calling to check deposits, account balances and everything. I have requested my full account history more than once with this institution and they have not given me anything. 

I have been trying to work with them to resolve this or get added security so I did not have to close my account as I have had this account for a few years, but they have not been working with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was informed by identity has been stolen when my wife tried adding me to her lease and was denied. This person has my name, birthdate, and social. They rented an apartment that has an eviction collection sent to XXXX XXXX of {$6600.00} opened XX/XX/XXXX. An XXXX XXXX XXXX collection sent to XXXX XXXX XXXX of {$350.00} opened XX/XX/XXXX. A policy with XXXX applied on XX/XX/XXXX but a representative said has been closed. I filed a police report case # XXXX. I submitted my case to the federal trade commission who set me up an ID theft report with identitytheft.gov. Through credit karma Ive disputed the apartment collection and have requested a copy of my credit report through transunion who also froze my credit. The apartment is working with their legal team as well as police.

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 2023-09-07 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: Security Credit Services, LLC
State: MD

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to SECURITY CREDIT SERVIC. In my credit report from XX/XX/2023, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: FL

Complaint narrative:
Realized that I was a victim of identity theft on XX/XX/2022. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter.

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 2023-09-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Realized that I was a victim of identity theft on XX/XX/2022. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: IL

Complaint narrative:
Experian XXXX and XXXX Has violated my consumer rights by reporting accounts related to identity theft 15 U.S. Code 1681i - Procedure in case of disputed accuracy please proceed accurately Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs. 

all documents attached to proceed with Deletion Police Report, FTC REPORT, XXXX XXXX XXXXXXXX, and dispute letter attached 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



HERE ARE THE IDENTITY THEFT ACCOUNTS & INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is my second complaint being filed with the CFPB. A fraudulent business bank account was opened using my information back in XXXX according to XXXX and the information on that account is now being merged with my personal account which was closed back in XXXX. The time frames of the account does not match so it cant possibly be correct. This is a violation of the FCRA and the Gramm Leach Bliley Act. I spoke with several people over the phone and filed claims, but they refuse to help me or send me any confirmation that I can take to XXXX to clear my name with this issue. ( They also can not find the claim even though they gave me a claim number which means they didnt even care to file the claim. ) The supervisors are all rude and incompetent, no one knows what to do or even who to transfer me to. I constantly get transferred XXXX or 4 times per phone call back and forth to the same departments and no one tries to help me. They all tell me to call XXXX, and when i do XXXX  refers me back to bank of america since they are furnishing the information. They refuse to give me any requested information and try to rush me off the phone when i try to call them, they also ignore all of my written letters. Bank of America has opened dozens of fraudulent accounts in the past and is currently being investigated by the CFPB for similar issues as this.

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 2023-09-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to JPMCB CARD SERVICES, yet JPMCB CARD SERVICES is not removing this fraudulent account. JPMCB CARD SERVICES has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet JPMCB CARD SERVICES has refused to do this. The following is the fraudulent account : JPMCB CARD XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: MO

Complaint narrative:
I disputed incorrect reporting on my credit report and did not receive a timely response. Please remove incorrect report on my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: VW Credit
State: NY

Complaint narrative:
To whom it may/will concern, I XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Purchase/obtained at XXXX XXXX XXXX XXXX XXXX, NEW YORK XXXX 

Volkswagen Credit was creditor who I was contracted with as Loan Lender. 

I was residing XXXX VA, my primary address at the time of occurrence. I also have a second home in XXXX NY, where my spouse is a XXXX. 
Please note : ****VW credit also has on file - XXXX XXXX XXXX as a second resident I visited every other weekend. Both to be aware and for emergency purposes ****. 

Back in XX/XX/XXXX my car was repossessed In front of XXXX XXXX XXXX, XXXX NY. For non-payment, which I was aware of because I had lost my job at that time. The first time my car was repossessed I paid VW credit almost XXXX XXXX dollars via XXXX XXXX to get my vehicle back, I knew the car was repossessed because it wasnt parked where I parked it at and I didnt owe any tickets on the car. It was repossessed for late/nonpayments. 

Then in XXXX of XXXX, the car was repossessed again in front of XXXX XXXX XXXX. I called VW Credit on XX/XX/XXXX to inquire about my personal belongings and my husband personal belongings that were inside the car and inside my carrier that was on my roof racks. I also need to take my Virginia plates off the car and return them back to the DMV as well as other personal affects, etc.. 

Called Volkswagen credit on XX/XX/XXXX spoke with XXXX and she advised that the only documents that was sent out to me was back in XXXX of XXXX AT MY VIRGINIA ADDRESS.. XXXX from Volkswagen credit provided me with the phone number of the lot where car was located. 
I called the lot and spoke with XXXX and was advised that my personal belongings were disposed on XX/XX/XXXX. 

I since moved back to the XXXX and mail being froward to XXXX address and still nothing from VW credit PLEASE NOTE AS OF TODAY 'S DATE. I HAVE NOT RECEIVED ANY ANY DOUMENTS FROM VW CREDIT REGARDING ANYTHING. PLEASE ALSO NOTE THAT XXXX STATED THAT THE ONLY LETTER SENT OUT WAS BACK IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have been trying to contact aidvantage for several days to get information about my student loan balance and some other questions. I have called numinous times. The hold time is over an hour, and when I am finally connected to a service rep. I am quickly disconnected. 

The one time I was able to speak with a customer service provider 100 % of the information that was provided was false. Including the phone number to FSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
XX/XX/XXXX - lost access to my venmo account. Received error XXXX exception : Unauthorized.. each time I tried logging in. 

XXXX XXXX XXXX my wife lost access to her account as well. Neither of us could receive a verification code to get into our Venmo accounts and we continued receiving the same error whether we tried accessing our account by phone or by computer XX/XX/XXXX- both of us reached out to Venmo customer service. We both were told to wait 24 hours and to try again after that. This did not work and I did not expect it to work based on the nature of an XXXX error. So this was clearly an attempt at a cover up and to buy time since Venmo is still probably currently in the process of trying to fix it. 

XX/XX/XXXX - my rent was due and my Landlord uses Venmo to receive payment. So now I am late on my rent payment. 

XX/XX/XXXX - found out from various blogging posts that this issue is being faced by many Venmo customers and Venmo remains to be silent. So I read that this is mainly being experienced by people who have connected their account to other budget and small business platforms e.g XXXX XXXX XXXX. We did have our accounts linked to the XXXX XXXX XXXX XXXX XXXX so it fits what I was reading. 

XX/XX/XXXX - 3 days without a response from venmo, 7 days without access to my account, which is very concerning from a customer perspective, especially given this is financial data that has impacted me and many other peoples livelihoods. Still no comment from Venmo on what is the issue and no communication on whether they are trying to solve it. I still can not access necessary funds in the account to pay certain bills. I am not receiving direct deposit via venmo, but I imagine for those who are that this is an extreme concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT DEBT OF {$250.00} WAS ADDED TO MY CREDIT REPORT. I FILED A DISPUTE WITH XXXX AND THAT HAS BEEN SUBMITTED. THEY RECOMMENED I FILE WITH THE FTC BECAUSE IT WAS NOT ME THAT OPENED THIS DEBT. I NEVER RECIEVED ANY PAPERWORK OR PHONECALLS FROM THIS DEBT COLLECTOR. WHEN I CALLED THEM. THEY HAD MY SSN AND DOB ONLY. HOWEVER, THE EMAIL ON FILE THEY HAD WAS MY EX 'S WIFE. LEADING ME TO BELEIVE SHE OPENED THIS WITHOUT MY CONSENT UNDER MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
in accordance with the fair credit reporting act XXXX account has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a cunsumer reporting Agency can not Furnish a account without my written instruction.

15 USC 1666B-A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
For my JP Morgan Chase United Credit card, I was offered an option to set up a payment plan ( My Chase Plan ) on one of my charges at XXXX percent interest for 24 months. The plan was started on XX/XX/XXXX for an original principal of {$7300.00} for XXXX XXXX ( XXXX for my dog ). It was to include 24 payments at XXXX. 

With the Payment Plan, the company allows you to pay the monthly payment plan amount ( XXXX ) plus any additional " new '' charges so you don't incur any interest. I pay my credit card every month to avoid interest charges. 

On XX/XX/XXXX, my travel agency charged an airline ticket in the amount of {$10000.00} for a work-related airline ticket. The cost of the ticket had exceeded my credit limit on my work credit card. But on that same day, XX/XX/XXXX, the travel agency cancelled the ticket ( and I was credited {$10000.00} ) as they found something cheaper. I was then able to use my work credit card for the final ticket. 

Chase Card then took the a portion of the {$10000.00} credit and applied it to My Chase Plan which again was " XXXX '' interest. In essence they wiped out the payment plan which I had 2 years to pay at XXXX interest instead of applying the credit to cancel the original charge. And now when my statement closes on XX/XX/XXXX, I will have to pay {$9600.00} or else pay interest. The " credit '' I received should apply to the actual charge, not the payment plan. Basically they inticed me with XXXX percent interest, and had I known they would have done that I would have used a different card. The " My Chase Plan '' is misleading consumers should they be able to unilaterally apply credits to the " Chase Plan '' as opposed to the actual charge the credit is intended to offset. I asked them if I could set up the {$10000.00} charge on a payment plan with XXXX percent interest for which they said no since I don't owe that much on my card. This will now force me to transfer the balance to another credit card and incur a 5 % fee ( but that is only if that bank allows me to do so ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: SC

Complaint narrative:
Contacted XXXX and they refuse to remove all of my old addresses. FCRA states all information must be accurate and incomplete XXXX refuses to remove all old addresses phone numbers from my consumer 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 non-monetary relief
Consumer complaint received 2023-09-07 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: SC

Complaint narrative:
Contacted XXXX and they refuse to remove all of my old addresses. FCRA states all information must be accurate and incomplete XXXX refuses to remove all old addresses phone numbers from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I can't access my new account on EdFinancial. There is an old account and a new account. I can access my old account, but not the new. I received an email stating that my new account is ready to use. It states " Your new online account is ready! Your student loan ( XXXX ) with Edfinancial Services was successfully transferred to our new system. '' I did what I was told. I tried logging in and it doesn't not work. I tried contacting them and getting no reply. I tried using their Chat line and I get no reply. I have emailed them and still got no reply. I received mail from them saying how to log into the new account, how much I own and the payment due date ( in XXXX ). How can I repay my loans when I can't log in? 
Other people have this problem too.

Company response to consumer: Closed with explanation