vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, 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:
My credit report seems to show fraudulent activity My name is XXXX XXXX XXXX XXXX. 
social security number is XXXX address : XXXX XXXX XXXX XXXX Illinois XXXX The collections are XXXX {$57.00} XXXX XXXX XXXX XXXX  {$60.00} XXXX {$67.00} XXXX XXXX {$88.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXXXXXX {$200.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX  {$1700.00} HARD INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
case XXXX and XXXX case et, all ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. in complaint are not solve I was complaint into USPS, I am not solve and I was complaint them at FEDERAL COURT RESULT : default JUDGMENT Now I request the bank Charge back all FEE, all my damage and my injury, include all my injury from 2013 to now I can not handle all from bill, fee to all damage and total loss when I was damage and injury, I from the XXXX to come back this life, when I pay full tax and full Insurance in USA when I did not Violate any even in my mind I can not handle all from my damage to injury and wrong false arrest from FEDERAL POLICE, act theft no service by all defendants But charge diret my money in my account from checking to credit card NOTE : from Checking to credit card : all are bank OF AMERICA I petition into the bank OF AMERICA Charge back into USPS {$30.00} Million from all Fee, injury and my damage by act theft from USPS, I am not relief from Congress OF US and Supreme Court OF US

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 2022-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Received a letter from XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, RI XXXX ) regarding payment due on a LOC secured by my home. In the letter they said they would " settle your account with one payment in the amount of {$1100.00} which is equal to 80 % of your outstanding balance. Upon receipt of your payment, your account will be considered settled-in-full and will notify the credit bureaus accordingly. '' Letter is date XX/XX/XXXX. I wrote a check and mailed it on XX/XX/XXXX, check # XXXX in the amount of XXXX on the FOR line I wrote " balance on XXXX XXXX ( which is the home the LOC was taken against ). On my cancelled check XXXX stamped it " received XX/XX/XXXX ''. On XX/XX/XXXX the check cleared my bank account. The amount that was suppose to be forgiven was {$280.00}. And I had been faithfully making payments. 

I subsequently received a collections letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX. My daughter, XXXX XXXX XXXX, who has full POA, wrote them a response, attaching all the above mentioned documentation and mailed it XX/XX/XXXX. They never responded. 

Today, XX/XX/XXXX a letter arrived in the mail from Convergent ( Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX- for mailing the address is XXXX XXXX XXXX, XXXX, PA XXXX ) demanding payment for the {$280.00} - the amount the bank indicated they would forgive if I paid the {$1100.00}. My daughter XXXX will respond to this letter as well - as I am XXXX XXXX XXXX, she now handles all of my finances. 

I find this repeated contact to be harassing and a form of elder abuse. I faithfully paid the bank in accordance with their written instructions. Neither myself nor my daughter should be having to continually respond to these letters, not to mention the costs involved with writing and mailing these letters certified, return receipt. I am very fortunate to have a daughter who is a XXXX  and can read and understand these documents and knows that they are false claims. Most people in my situation would think this was a legitimate claim and just pay it- thus being " swindled '' out of money that actually is not owed. It is rather unconscionable behavior- which is why I am taking the time to report these institutions - I know they will receive the letter from my daughter it will be dropped - until the bank turns it over to the next collection agency. Any help you can give to stop this situation would be greatly appreciated- not to mention stopping this practice being done to other elder people. 

Thank you for your time and attention 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 explanation
Consumer complaint received 2022-06-01 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: VA

Complaint narrative:
I recently received a copy of my credit report and I noticed multiple billing errors. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you can't apply that information then it is false allegations and you are in violation. i am entitled to {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 1.XXXX XXXX Account # XXXXXXXX XXXX,2. XXXX XXXX XXXX Account # XXXX, 3. XXXX XXXX Account # XXXX & 4. XXXXXXXX XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 1.XXXX XXXX Account # XXXX XXXX,2. XXXX XXXX XXXX Account # XXXX, 3. XXXX XXXX Account # XXXX & 4. XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is a real live person just trying to live their life. Within my right as a citizen I am trying to refinance my home and purchase a car. Because of the XXXX XXXX XXXX XXXX  my score is still going down. 

Explain. I opened a XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for use for my grandchildren. Shouldnt be anyones business. Immediately reported on my credit report. 

I opened an XXXX Account for business. I got hit with points for opening new accounts I paid down accounts got 2-3 points Put in an application for a car loan a couple of places- got points taken away Creditor pulled Transunion I got rate of XXXX XXXX I got rate of XXXX Put in for a home loan - got points taken away XXXX XXXX XXXX is still reporting the XXXX Payment I previously disputed! 

Whats Fair about this? 



I

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 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc
State: MA

Complaint narrative:
Flex Shopper calling 12-15 times per day, everyday for a {$60.00} debt. 
Calling from various Rhode Island and New York phone numbers. 
Asking me to confirm information for the debt, when they calling me, so I refuse to give or any payment over the phone, as I cant be guaranteed its not a scam. 
I told operators numerous times to stop calling and send official mail, if they like to settle claim, they refuse and continue to call many times per day and even putting my work position in jeopardy due to the high calls. 
i have my phone loggs to prove this harrassment by Flex Shopper & furthur will NEVER do business with them ever again, nor do I recommend anyone i know to do business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX, account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: PA

Complaint narrative:
I don't believe that there's been an actual investigation on these accounts, and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see any and all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you keep telling me that I'm wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? Explain to me how these can be verified, then updated and continue to report inaccuracies? Every account listed below came back verified by YOU and UPDATED by YOU, and still report inaccurate items! Delete the following from my credit report immediately! 

XXXX # XXXX date last active XX/XX/XXXX. Experian date last active XX/XX/XXXX DELETE XXXX # Date opened XX/XX/XXXX. Date last active XX/XX/XXXX. DELETE XXXX # in Date open XX/XX/XXXX. Last date active XX/XX/XXXX. DELETE XXXX XXXX # Experian last payment XX/XX/XXXX. XXXX last payment XX/XX/XXXX. DELETE XXXX XXXX # Experian last date active XX/XX/XXXX. Last payment date XX/XX/XXXX. DELETE XXXX XXXX # Account was opened XX/XX/XXXX. Last activity XX/XX/XXXX. DELETE XXXX XXXX # Account opened XX/XX/XXXX. Last date active XX/XX/XXXX. DELETE THE XXXX # XXXX active date XX/XX/XXXX. Experian active date XX/XX/XXXX. DELETE XXXX XXXX XXXX # Account opened XX/XX/XXXX. Last active XX/XX/XXXX. DELETE XXXX # Experian last active XX/XX/XXXX. XXXX last active XX/XX/XXXX. DELETE XXXX # Experian last active XX/XX/XXXX. XXXX last active XX/XX/XXXX. DELETE XXXX XXXXXXXX # XXXX last XXXX XX/XX/XXXX. Experian last active XX/XX/XXXX. DELETE XXXX XXXX # Experian last active XX/XX/XXXX. XXXX last active XX/XX/XXXX DELETE XXXX # Date last active XX/XX/XXXX. Last paid date XX/XX/XXXX. DELETE XXXX XXXX XXXX # Date open XX/XX/XXXX. Date of last activity XX/XX/XXXX. DELETE

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 2022-06-01 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: VA

Complaint narrative:
I recently received a copy of my credit report and I noticed multiple billing errors. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you can't apply that information then it is false allegations and you are in violation. i am entitled to {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
About a month ago, I received a XXXX letter from A.R.M. Solutions concerning a purported debt of {$200.00} incurred by me in XXXX with a merchant ( XXXX XXXX XXXX  ) with whom I have never done business. I immediately replied by mail to the office and address provided in the letter, refuting the debt, and advising the company to desist from any further collection efforts. 
Yesterday ( XX/XX/XXXX ) i received a similar dun letter, without any acknowledgement of my previous correspondence, again demanding payment of this non-existent debt. 
I want this harassment to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: VA

Complaint narrative:
I recently received a copy of my credit report and I noticed multiple billing errors. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you can't apply that information then it is false allegations and you are in violation. i am entitled to {$1000.00} per violation.

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 2022-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Long story short. I am due a refund from pslf loan forgiveness and the dates are very wrong. They want to refund me from XXXX of 2021 till now. I know for a fact they owe me from XXXX of XXXX not XXXX of XXXX so I filed a complaint. Nothing was ever done or resolved and they closed my case! This is not over and I have filed another complaint with the us dept. of education. I also sent a notice to Attorney General of NYS. I also had the ombudsman group work on it and they also did nothing and closed my case. My loans have been forgiven but they have not refunded my over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In appx. the beginning of XX/XX/2022 XXXX Chase XXXX card offered a bonus XXXX miles plus a statement credit if {$4000.00} was spent in 4 months. I charged nearly {$8000.00} so all requirements were met on my end. After not receiving any reward except the statement credit I called and was advised that promotion was over and I would only be receiving XXXX bonus miles. I have called to rectify this matter at least 3 times and each time they send a letter saying that the account isn't eligible. All 3 representatives plus a supervisor has told me that this is a constant complaint and they can see that at the time of my application that this was a valid offer, and Chase XXXX  should have no problem in crediting my account with the remaining XXXX miles. But now yesterday I was told they can't help me and their marketing department ruling can no longer be disputed. I believe this to be an unfair practice and I am looking for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I own a Coinbase account. I send my salary to my account and suddenly, coinbase restricted my account, I'm not able to withdraw my money. This was without previous notice, without infringing any law, and without a cause nore explanation. They just decided I can't take my own money out of the site as I was doing in the previous months. I tried to solve it with their help desk but it's just a robot that repeats the same useless information. The mailing options is the same, just an automatic helpless response Withholding my money in this way is not only arbitrary but illegal and completely out of character. I demand a solution to this unjustified restriction under penalty of taking legal action in this regard They are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: KY

Complaint narrative:
As a follow up of complaint ID XXXX. 

After reviewing my recent consumer report, I have noticed that Fed Loan Servicing has failed again to comply with the federal law. They have furnished numerous late payments to my consumer report from their company. 

They have stated and I quote, " Effective XX/XX/2022, your Direct XXXX Loans transferred to a different servicer, XXXX. Because FedLoan Servicing no longer administers the account, no further action is planned at this time. If you wish to pursue this matter further, you would need to contact the new servicer directly. '' Thus meaning, that this company committed an act that they want me to contact another company to resolve. 

As of XX/XX/2022, Fed Loan Servicing is in violation of the federal law pursuant to 15 USC 1666b ( a ) and 15 USC 6821 ( a ) ( 2 ). 

In addition to transferring my personal and private information to another company without my consent, Fed Loan Servicing needs to provide the original instrument of indebtedness with my wet signature or proof that it still exists. Please confirm that what you are sending states that I am the obligated party for repayment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with non-monetary relief