vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: FactorTrust, Inc.
State: NM

Complaint narrative:
XXXX FACTOR TRUST & XXXX XXXX XXXX I have reported these companies before for unwanted contact. I did not opt in. I was told I would not be contacted again. And I am still receiving physical mail and email solicitation. 

I have requested not to be contacted. EVER. I did not change my mind. I do not wish to enter into business with these companies. 

My privacy is continually invaded. I now have to provide identity theft information to conduct business with other companies for this continuous invasion of my privacy. 

Stop the unwanted contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: DC

Complaint narrative:
In early XXXX I contacted Capital One to report unauthorized transactions on my account via a XXXX XXXX account that did not belong to me. Capital One issued temporary credits on XX/XX/XXXX. On XX/XX/XXXX, Capital One sent notice that my dispute had been unsubstantiated and closed it. I immediately called Capital One to inquire about the dispute, and they told me it had not been closed. On XX/XX/XXXX, Capital One removed the temporary credits, despite the agent telling me the dispute was not closed ( contradicting the email ). Again, I called Capital One to inquire about the dispute and request documentation via email. Capital One indicated they would further look into the dispute. On XX/XX/XXXX, Capital One sent documentation showing transactions performed on an IP Address that does not belong to me. Capital One claimed this IP address belongs to me, showing serious IT issues in their fraud review department. When I brought this to their notice and asked for contact information to their legal department, they told me the dispute was closed and that they would not respond to additional attempts at communication. Capital One has essentially broken the law that requires banks to ensure customers are not made to pay for fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been requesting Equifax to remove the XXXX XXXX fraud alert, but to this date they have not removed it. I need them to remove the XXXX XXXX fraud alert immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: IL

Complaint narrative:
Greetings, I submitted a complaint for an account that has been reported on my credit report, that is not my account and that should not be on my credit profile. I have disputed this account several times and have even provided documentation from other major credit agencies XXXX and XXXX that shows they have removed this account from my credit files. However Experian continues to have this account reporting. This is not right and a violation of my consumer rights. I tried to attached my documentation proof the XXXX removal letter but the website wouldn't allow me to. 

The account XXXX XXXX Bank XXXX is being reported on my credit report. As stated before this is not my account. As a victim of identity theft. Under the fair credit reporting act FCRA 605B ( 15 U.S.C. 1681c-2 ), I have taken the steps to notify all parties of this inaccurate reporting yet it still remains on my experian 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 2022-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I have XXXX accounts with Jefferson capital for XXXX. i never had XXXX, nor inquire about an account with them. somehow Jefferson capital is showing up on my credit. i did no received a letter about the collection before it was sent on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: LA

Complaint narrative:
In accordance with fair reporting act acct # XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 ( a ) states i have right to privacy 15 USC1681 section 604 ( a ) it also states a consumer reorting agency can not furnish a account without any written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Braviant Holdings, LLC
State: NM

Complaint narrative:
XXXX XXXX XXXX & XXXX XXXX XXXX I have reported these companies before for unwanted contact. I did not opt in. I was told I would not be contacted again. And I am still receiving physical mail and email solicitation. I have requested not to be contacted. EVER. I did not change my mind. I do not wish to enter into business with these companies. My privacy is continually invaded. I now have to provide identity theft information to conduct business with other companies for this continuous invasion of my privacy. Stop the unwanted contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: FL

Complaint narrative:
This Credit Reporting Agency refuse to update my personal correctly according to the FCRA! I Tried numerous times sent numerous request to no available.

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 2022-07-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX and XXXX XXXX XXXX  are thieves. My card was charged XXXX XX/XX/2022 and this reversal of claims have been going back and forth for XXXX  months. They have provided XXXX proof as to why my card has been charged since XXXX. 

There were XXXX claim numbers provided to me. 
All denied because the 3rd party refuses to respond Ive had multiple investigations done with chase bank. All incomplete due to merchant. 
Ive spoken to merchant. Merchant claims to not understand XXXX. 
And the blame is being placed on my account which is unfair. 
Ive called bi-weekly to my banking institution to rectify. Making myself 100 % available. And still NOTHING is being done. 

Its old. Its tired. And I want my money. 
I did not receive services. 
I did not receive any goods. 
Ive gotten ABSOLUTELY NOTHING from these ppl. Yet I'm the one taking the hit. 
ABSOLUTELY UNFAIR ON THEIR PART.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I applied for a car, furniture, credit at the dentist and credit card. Did not get approved and have many hard inquiries. 
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 explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Multiple credit cards lost and used. Discover unable to find sufficient evidence and/or request specific evidence from merchants. Multiple calls to both discover and merchants made to attempt to resolve all fraudulent charges made in the XXXX Florida area. 
No identification presented to any merchants including hotel and water sports rental was requested from discover. No surveillance at any location. Name at check in was not mine. Email address and phone number used to make purchases also not mine. 
XXXX XXXX XXXX XXXX  FLMerchandise {$2400.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX  TXMerchandise {$90.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX TXMerchandise {$90.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL Merchandise {$170.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX NJMerchandise {$13.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXXFLMerchandise {$5.00} SECURITY DISPUTE ADJUSTMENT 0XXXX XXXX XXXX XXXX XXXX FLMerchandise {$160.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX FLMerchandise {$130.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX  FLMerchandise {$33.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX FLMerchandise {$510.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX XXXX  FLMerchandise {$11.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX  NYMerchandise {$300.00} SECURITY DISPUTE ADJUSTMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My American Express XXXX were abruptly suspended after XXXX years and I was told that I have to submit filed tax returns in order to restore my privileges and I never received anything in writing. I spoke to XXXX XXXX who was assigned to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TN

Complaint narrative:
I was notified by XXXX that they could not debit my account on Friday, XX/XX/2022. I knew I had enough funds in my account to cover the payment. I called PNC and spoke with a lady named XXXX. She said my account was under investigation because of a wire transfer which posted to my account in XX/XX/2022. I told XXXX that I was working with the FBI on the transaction. I also told her I had paperwork to support the transaction. The sender got upset with me when there was a delay in the purchase of XXXX for the sender. I went on to explain to XXXX that I had to notify the FBI when I received a call from a gentleman named XXXX XXXX in FL who stated the funds were supposed to be sent to him and take a 10 % commission. I told him that I had an agreement with the FBI and that I had to notify the FBI XXXX XXXX XXXX because he was asking me to commit money laundering. I notified the FBI and made them aware of the issue. I tried to explain this to XXXX. She began to assert that I was lying. I gave her the XXXX XXXXXXXX XXXX name and email address. I did use inappropriate language in my call with her and demanded that my accounts be closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
i called and closed my account for theft. they had me send my balance to the card account they closed!! with over XXXX $ in it! also they did not close my account until after someone spent all my money! then they proceed to tell me it was me, when I had no access to my card bc it was stolen! now they wont give my money back or even acknowledge my complaints! PAYPAL PREPAID XXXX XXXX IS XXXX HOW CAN ANY CARD BE SECURE IF ALL YOU NEED IS A SOCIAL, BIRTHDAY AND THE CARD?!! 

NO ACCOUNT ARE SAFE ANYMORE IF ANYONE KNOWS YOUR BIRTHDAY, PHONE, EMAIL, ADDRESS OR SOCIAL. YOUR XXXX AND THEY THIK ITS YOU STEALING YOUR OWN XXXX THIS COMPANY IS XXXX IN HOW THEY TREATED ME! THIS ISNT THE FIRST TIME EITHER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I applied for a car, furniture, credit at the dentist and credit card. Did not get approved and have many hard inquiries. 
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 2022-07-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I applied for a car, furniture, credit at the dentist and credit card. Did not get approved and have many hard inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Venmo has held XXXX of mine since XX/XX/2021 to do and investigation on suspicious activity. They investigation is complete they found no problem I've verified my identity and previous bank account details before they allowed me to deposit the XXXX into my account XXXX. XXXX I sent to a friend and XXXX to another account then they froze the account I still have XXXX balance available I can't withdraw or update my bank details to withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/2022 The Credit Bureaus stated NATIONAL CREDIT SYSTEMS/ Account # : XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. The also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish the accounts on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I applied for an auto loan on XX/XX/XXXX with JPMCB Auto Finance and they were authorized to pull my credit with that application. I obtained a loan XX/XX/XXXX On XX/XX/XXXX JPMCB Auto Finance pulled my credit again as a Hard Inquiry. They did not have permissable purpose and this access to my credit is Unauthorized. 

I called JPMCB on XXXX separate occasions over the past XXXX months and they have not removed the unauthorized inquiry. 

JPMCB Auto Finance XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX See page XXXX Regular Inquires of the attached credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TN

Complaint narrative:
National recovery agency put a collections account on my credit report for {$5600.00} This is fraud it is not my account I have disputed with the Credit bureau

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. 

The following items are inaccurate on my credit report : XXXX Incorrect account number Incorrect high balance Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect payment status Incorrect creditor remarks Incorrect last payment date XXXX XXXX Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect payment status Incorrect last payment date Incorrect credit limit XXXX XXXX XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect account rating Incorrect creditor remarks Incorrect account status Incorrect last payment date XXXX  Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit To resolve the problem, please investigate this matter and contact the credit bureaus to have them update or delete this inaccurate information from my credit report as soon as possible.

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 2022-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
On XXXX XXXX I had purchased a used XXXX XXXX XXXX  at XXXX. When I was at XXXX I was told that Ill be able to refinance my vehicle after a year of having the car if I choose American Credit Acceptance. So I decided that it was a good idea for the XXXX XXXX being my first car. I have been having problems with the car such as the car spinning out of control and also the car had problems starting and also the pipe under my car busted, when I took the car to XXXX they told me that it was nothing they can do about it which resulted to me having to come out of pocket for a new pipe and also I had to buy a new battery when I was told the battery that come in the car was just replaced and new. I also had XXXX care where if its anything wrong with the car I can go to them for service but I never was able to use my XXXX care do to them refusing to help me with the problems the car had, the only thing that XXXX was able to refund was the pipe. Now with American Credit acceptance I was able to pay for the car until XXXX came about i lost my job and I had to start job hopping and I wasnt able to pay the car note so I called American Credit Acceptance and they told me that I wasnt able to refinance my vehicle so I was having trouble paying my car note and any money I came across I was giving it to them the best I can. On XXXX XXXX I was on the express way and my car spin out of control I informed American Credit Acceptance and XXXX to let them know what happen and I couldnt get any help from either company. I tried to pause payments due to the car not being able to drive and I was also denied that, I asked American Credit Acceptance if I was on any list of getting my car taken and I was told no just for them to come pick up the car the next day I also made an appointment at XXXX XXXX to see if they can help me with the car but I wasnt able to get there due to them coming to get the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I made 2complaints to BOA trying to get my money back they told me that I need to contact the person I sent the money to, I told them I dont know who it was .they told me to check with XXXX XXXX I asked what does this bank have to do with my complaint I was told that the money went there I then said I have no account with them never have Im really disappointed with BOA Ive been with this bank for 28 years Ive never had a issue before now

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