vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scheer, Green & Burke L.P.A.
State: OH

Complaint narrative:
ON XX/XX/XXXX, I RECEIVED A CALL FROM XXXX AT XXXXXXXX XXXX. IT WAS A AUTOMATED MESSAGE INSTRUCTING ME TO CONTACT SHEER GREEN AND BURKE AT XXXX IN AN ATTEMPT TO COLLECT A DEBT. 
I CALLED AND SPOKE WITH A XXXX WHO TOLD ME THAT THE DEBT WAS FROM " XXXX XXXX '' IN THE AMOUNT OF XXXX FROM THE YEAR XXXX AND THAT THEY HAD UPDATED THE FILE IN XXXX ; THE FILE NUMBER IS XXXX. PER THE OHIO REVISED CODE Section 1303.16 | Statute of limitations - UCC 3-118. 
THE STATUE OF LIMITATIONS FOR DEBT COLLECTION IN THE STATE OF OHIO IS SIX YEARS. XXXX WAS 18 YEARS AGO AND XXXX WAS 14 YEARS AGO, BOTH DATES THAT THIS ALLEGED DEBT IS OUT OF THE SCOPE OF THE TIME THEY WAS ABLE TO COLLECT. 
I ALSO REQUESTED DEBT VALIDATION, INCLUDING THE ORIGINAL CONTRACT WITH MY SIGNATURE AND DATE ON THE CONTRACT AS WELL AS ITEMIZED STATEMENTS. 
XXXX THE REPRESENTATIVE FOR SHEER GREEN AND BURKE TOLD ME THAT SHE WAS UNABLE TO PROVIDE THAT FOR ME AT THE TIME AND THAT SHE WOULD PUT IT IN MY FILE ; SHE ALSO GAVE ME A FILE NUMBER OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I am in receipt of a very weird and strange Email. They claim so and so of what I do not understand. I did not apply for any loan and/or credit. But I received a notice portraying reports from XXXX and a company which is called XXXX. I suspect that a histrionic activity is either scared of losing attention and/or not gaining attention whichever way would work for them. But I do not believe that the country would choose stalking as an option to get out of its own dark on the expense of others. I suspect retaliation and/or some kind of persecution by someone who stole my identity and started some kind of punishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am unable to login to my Chase account online. Tried calling customer service and they were unable to help me. Spoke to XXXX XXXX, then XXXX ( declined to give last name ) and then XXXX XXXX. All three of them were unable to assist in getting me logged into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sensible Auto Lending, LLC
State: CT

Complaint narrative:
Again tonight apartments reasons I known services and similar names that I did not authorize I have not ever use mortgage loans. Im not even at that stage of my life you miss information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
i have 2 capital one credit cards. i was fortunately able to pay off the balance of both. but after the end of the billing cycle, they charged even more interest on a XXXX balance amount. the first credit card payment was a few days late so i can understand interest should be accrued although it was substantially high. the next was paid 11 days earlier than due date. still i was charged an amount of interest on a XXXX balance. i have had credit cards before and nothing like this has ever occurred. i feel cheated and mislead that our banks can get away with this. i have closed 1 of the accounts and will do the same for the other once i get a good replacement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I sent a notice of rescission to the company and they still have not responded. Or sent check for my down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have never signed a HIPPA release form with the following alleged creditor : Alleged creditor : XXXX XXXX XXXX Alleged balanced owed : {$590.00}. 
Alleged agency : XXXX XXXX XXXX XXXX Therefore, these are inaccurate, HIPPA violations and I want this immediately deleted. HIPPA laws protect my personal medical information from being used without my concern and you are now aware of this HIPPA violations. Delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
They stated they would get back in touch with me. They illegally did a hard pull on my credit when the website clearly stated everything was a soft pull. They are misleading XXXX  of customers with this false advertisement affecting credit. I never agreed to a hard pull and and never stated that on their website at all. I immediately told them when they called me that I did not want to get a loan with them because this is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I hope this letter finds you well. On XX/XX/XXXX, I initiated contact with Equifax to address inaccuracies on my credit report. Despite my efforts, I have not received a response from Equifax as of today 's date. I am writing to bring to your attention the following discrepancies and to seek your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account ( Account # : [ Your Account Number ], Date Opened : XX/XX/XXXX, Balance : {$520.00} ) : Dispute : I disagree with the reported balance of {$520.00}, as I recall the amount being lower. 
Request : Please delete the information concerning the Past Due amount, as this account is closed and charged-off.

Action Requested : Kindly mark this account as disputed to prevent any adverse effects on my credit score. 

XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}, Original Creditor : XXXX  ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXX  Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00}, Original Creditor : XXXX  ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXX  Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$410.00}, Original Creditor : XXXX  ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXX  Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXX XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: MOHELA
State: NV

Complaint narrative:
I received a letter from MOHELA on XX/XX/XXXX stating my account was in forbearance through XX/XX/XXXX. On XX/XX/XXXX I received a billing statement with a payment due date of XX/XX/XXXX for the amount of XXXX XXXX 

I called MOHELA on XX/XX/XXXX as I noted my account stated I was overdue. I spoke with XXXX. She was awful. She did not look into what I was asking about but she did advise me TWICE that since my account was overdue all information from this call would be sent to debt collectors. 

I asked to speak with a supervisor and was denied. After over an hour of being put on hold over and over so XXXX could research my account I was eventually transferred to a line to leave a message requesting a return call. 

I paid the amount due online out of fear of being reported to a credit agency, A supervisor named XXXX called me the next day and was hostile from the beginning because I would not provide my social security number to him. I did provide my account number. 

XXXX did not assist me with this issue or with the issue regarding my account reflecting that my XX/XX/XXXX was listed as mot eligible for PSLF due to being in forbearance. 

My financial well being is at the mercy of a company that is not equipped to do what they are tasked with doing. Between the hostility and the long wait times and the tactic of being put on hold over and over this is causing so much stress and anxiety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Menards Big Card administered by Capital One Account has promotional rates of 6 months for certain purchases.

Account provides " Interest Saver '' payment amount every month through their billing website. 

" Interest Saver '' amount for XX/XX/XXXX bill due XX/XX/XXXX, listed on website payment service ended up not actually covering all promotional purchases resulting in over {$80.00} in interest being charged. Company refused to acknowledge that payment was made based on the information they gave and insisted the interest was valid. 

Per the service rep I spoke to, the paper statement had no " Interest Saver '' payment even though their website showed me one when I made my payment. 

I believe Capital One/Menards are using deceptive trade practices to make promotional rate endings confusing for companies to try to extract erroneous interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime recently mailed me an unsolicited Debit card. I called Chime several times to inquire as to why I received an unsolicited card and to request close out account info. Chime made it very difficult to talk with a live representative. Im not sure if the Chime debit card was issued via some type of fraudulent activity requiring a conversation with a Chime rep for an explanation. The phone number provided by Chime is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TrueAccord Corp.
State: AL

Complaint narrative:
I received a text from TrueAccord on XX/XX/XXXX at XXXXXXXX XXXX. It included a link to pay a bill. I have never been overdue with a bill in my life so I ignored it. 

I received another text on XX/XX/XXXX at XXXXXXXX XXXX stating that they are trying to collect a debt. 

As a XXXX XXXX I feel this is a predatory phishing attempt to get me to pay something I don't owe. 

On XX/XX/XXXX I called TrueAccord at XXXX XXXX CST and told them I have no outstanding debts. The person transferred me around a bit and then I was spoken to rather rudely and was told my number was given at a legitimate phone number for the debt. I asked who gave me my number and was told that they can't give that information out! She said she'd remove my phone number from the list. 

However, this doesn't solve the greater problem as I have received other phone calls for outstanding debt and the person claims my number is a " good '' number to call.

Company response to consumer: Closed with explanation