vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I received an email from Capital One telling me that I was pre-selected for a new card with a {$1500.00} limit. In the email, it told me to start the " pre-approval '' process which I did. After entering all of my information, I got a response back stating I was pre-approved for the XXXX ( which I already have ) or the Venture for {$1500.00}. I chose XXXX, then it asked me to accept offers which I did. A few days later someone called me to confirm it was me who did the application before they completed it. I told them I did. Then they came back and informed me that I was approved for a {$500.00} platinum card. I already have a Capital One card and was only accepting the offer for a better card with a higher limit. This was not what I was told I was approved for when I selected the offer. At this point, the inquiry alone cost me 8 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AmeriCollect
State: GA

Complaint narrative:
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. 

This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: IL

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

XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

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

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Allegro credit closed my account with one payment remaining. Have been making payments each month for about 20 months and am ahead of billing. Now, I go to make the last payment and account login doesn't work. They also do not pick up their phone even during their scheduled business hours and it just says not open for business. I think they are perpetuating a scam and trying to make me late or not accept this last payment in order to bill tons of interest. Similar complaints are on the XXXX  website. Please 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 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I called in XXXX of this year to cash in my rewards. I was promised a check for over {$5000.00}. The check never came. I called back about XXXX weeks ago and was promised they would expedite the check and it never got here. Also Ive tried to cash rewards from them in the past and the same thing happened. Today I tried to resolve his issue again and was informed that the person could not get any supervisors on the phone to resolve this. I didnt even ask for a supervisor so I assume it takes a supervisor to complete 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 explanation
Consumer complaint received 2022-11-07 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: EQUIFAX, INC.
State: IL

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

XXXX OF XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: IL

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

XXXX OF XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

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

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
XX/XX/22 I needed to pay some utility bills online as well as other things and to be safe I went to XXXX and loaded {$500.00} cash onto a Netspend/PayPal prepaid card. A {$5.00} fee was charged leaving {$490.00} on the card. I then activated the card and tried to pay the bill, it was declined. I proceeded to register the card online and they asked for documents to verify my identity. They asked for ID and a utility bill. I provided the documents asap and shortly after they responded saying my account was fully ready to use. I try again to pay a bill/shop and they blocked my online acces and ask for the same documents again. Their response email said they respond within 6 business hours. They did not respond until XX/XX/22 saying the documents had to be in color. I re-sent the documents within the hour and they replied again that they will respond within 6 business hours. They still have not responded or unlocked the account. I am now late with the bills I needed to pay and they have stolen {$500.00} from me.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion has continued to cause harm to my character, problems in my XXXX, and subject me into paying higher interest rates on items for family and household purposes. TransUnion going out fishing for negative information about me is an infringement upon my consumer rights to privacy, pursuant to 15 USC 1681 ( a ) ( 14 ). TransUnion also infringed upon my rights to privacy under the Constitution. TransUnion has never obtained my written consent to furnish a consumer report in my name, for profitable gains. TransUnion has stolen my identity, which is identity theft. 
TransUnion has clearly lied once again. I requested the method of verification for XXXX XXXX XXXX MISSISSIPPI XXXX reflexing on my consumer report. TransUnion provided me the Dispute Status that shows XXXX XXXX XXXX MISSISSIPPI as the furnisher of this public record. I contacted the XXXX XXXX XXXX MISSISSIPPI, I was provided a letter ; they do not verify nor furnish public records. The reporting of this public record is a violation of 15 USC 1681 under the FCRA, subjecting your company to damages. 
This unverified public record means that its factually not true, correct and complete. I have attached the letter from the XXXX XXXX XXXX MISSISSIPPI and the resent results from TransUnion.

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 2022-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. 

This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records or I'll it to the next level.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC
State: WV

Complaint narrative:
Received written notice about collection. Immediately replied via certified letter in XXXX to verify the debt, I had no recollection and even reached out to XXXX, they had no record either. I still have XXXX services that are in good standing and paid in full every XXXX 

GC Services never responded to my debt validation request and reported the debt to my credit report on XX/XX/2022. Please remove debt since it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Spero Solutions, Inc.
State: PA

Complaint narrative:
Ive been paying XXXX  or XXXX  XXXX for about 2 years now and just found out it is a scam company! I am trying to get my money back! There is no contact number and the XXXX  cant help because they said no information on file.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-07 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: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I received 3 credit cards in the mail I did not apply for. I thought they were junk mail until I opened them on Saturday XX/XX/XXXX. All three accounts sent me physical credit cards. 

XXXX. ) Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Visa Signature ) I received a bill statement from XXXX XXXX XXXX XXXX XXXX  card. {$75.00} on XX/XX/31 for " Annual Fee ''. 

Wells Fargo sent a statement with a {$0.00} balance. 

I called each company and successfully closed & blocked the credit card as well as open an investigation into the fraud activity. 

- XXXX XXXX closed Saturday XXXX - XXXX XXXX XXXXXXXX closed Saturday XXXX - Wells Fargo closed Monday XXXX I also received a notification from XXXX XXXX  declining an application " due to number of recent inquiries on consumer report agency '' XXXX was listed. 

I am not sure if there are other fraudulent accounts open in my name in addition to the three listed above.

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 2022-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: GA

Complaint narrative:
I have been attempting to resolve issues of payment for my student loans through Sallie Mae. I have been attempting to resolve this issue since XXXX. I have done two income information reports with them and they have still presented be with astronomical amounts to pay every month that I do not have. Since the start of XXXX they have called me almost two to three times a day. In addition to my co-signer, my dad, two to three times a day ; despite me telling them that my father is unwell and can not barely move let alone answer a phone. The amount of calls have been disrespectful and rude and they come at irregular times of the day XXXX and XXXX. Sometimes the calls are even thirty minutes in between of each other. Also, I am currently in school, despite their website that lists my college as a college that sends over information to them alerting them I am in school, I filled out a deferment form on my own on XX/XX/XXXX, that they now say they never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Leif Technologies Inc.
State: WI

Complaint narrative:
Several times, Leif has falsely claimed that I owe them money or that I am in breach of my contract. 
Neither is the case. I'll start with them trying to claim money from me. I signed an Income Share Agreement ( ISA ) with XXXX, a coding bootcamp based in XXXX, UT. The agreement presented to me was that I would not have to pay my {$12000.00} loan for the course until I found a job in a XXXX XXXX position earning at least {$40000.00} a year. That was in XXXX of XXXX. To this day, I still earn far less than {$40000.00}. However, that has not kept Leif, the financing company XXXX used for our ISA from trying to claim money from me. Earlier this year, they claimed that I owed them over {$600.00} for the month of XX/XX/XXXX because I supposedly earned more than {$3300.00}. This simply wasn't the case. I receive 2 paychecks a month on the XXXX and XXXX. However, if one of those dates falls on a weekend ( as did the first of XX/XX/XXXX ), I receive my paycheck the preceding Friday. So, I received my paycheck for XX/XX/XXXX on XX/XX/XXXX. Leif requires you upload your pay stubs to their site, and it should be obvious to them that I did not earn more in XXXX given that, one, I received my " 3rd '' paycheck on the last day of XXXX, and second, that I was only paid once in XXXX. I addressed this with them and they initially refused to amend my status, but conceded after some persistence, saying they'd make " an exception ''. They suggesed my employer, XXXX XXXX change their payroll policy to comply with Leif. 
The second issue I have with this is that they were willing to charge me as if I was earning {$40000.00} when it was clear from my annual tax report that I was earning close to half of that. 
Recently, the XXXX of XXXX, XXXX, Leif claimed that I was in breach of contract and would have to pay not just {$12000.00} as agreed, but {$24000.00} in full because, first, my pay stubs were not up to date, and second, I hadn't submitted a proper offer letter from XXXX XXXX. I have been working for XXXX XXXX for nearly 2 years, and as of today ( XX/XX/XXXX ) am completely up to date with all my pay stubs. Yet their site still says that I am not. As far as the offer letter goes, it should be obvious to Leif that I am working there since they have all my pay stubs from them. But that's not the problem. The contract I signed does not stipulate that they need an offer letter from my employer. It is my suspicion that they are simply looking for ways to take advantag of me in order to get whatever money they can from me. There was a similar pattern with XXXX trying to claim that certain non-technical jobs qualified for the ISA. I believe there have already been class-action lawsuits filed against both Leif and XXXX for these reasons.

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Chime Financial Inc
State: MO

Complaint narrative:
I had a chime credit builder account that I noticed was negative by like XXXX $ somehow. So after chime customer service couldn't explain to me where the XXXX $ charge was coming from, I closed the account. They failed to inform me that after closing the account any money on that account that I'd be getting refunded back I would then lose, INCLUDING MY TAX RETURN! So now I can't get any help with getting my money because no one at chime knows what I'm talking about! I'm XXXX because this will be the 2nd time they stole my tax check and I can't do nothing about it! This is wrong and I need help resolving this asap!

Company response to consumer: Closed with explanation