vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello in the month of XX/XX/2022 I attempted to open an account with Navy Federal. I was declined. After months passing by, I attempted to open an account again inside the branch and the young lady stated that I was unable to due to a fraud account that was open previously. I asked several times WHEN, WHERE HOW? Can someone open an account with my personal information, and I didn't know anything about it. I submitted several claims, and the issue is still not resolved and i was told that i owe Navy Federal for an account that was open without my permission. I really need this issue fixed I would like to gain an relationship with Navy Federal and resolve this fraud account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
In XXXX of XXXX, I was hornswoggled into a dubious and predatory loan by a XXXX dealership in XXXX XXXX, NJ ; in conjunction with Credit Acceptance Corp. Unbeknownst to me, they surreptitiously added several thousands of dollars to the loan that was granted to me, under the guise of an " extended warranty '' for a base model XXXX XXXX XXXX XXXX with close to XXXX miles. 

The initial purchase price of the vehicle was {$8800.00}, with monthly payments of {$370.00}. For more than 2 years, I steadfastly made timely payments, but the balance almost remained the same. From what I gathered, my interest rate was over 24 %, which explained why I could not pay down the principal, even though I tried. This duplicitous contract took it's toll on me financially and left me almost impecunious. Out of exasperation, I was forced to have a voluntary repossession. It would have taken me about 15 years to pay-off the car, and perhaps, paid XXXX times the price of the car! 

Ultimately, after repossession, the vehicle was sold at an auction, without any prior notice to me. The date, time or location was never communicated to me. This totally negates New Jersey statute that stipulates that a lender must give at least 15 days prior notice to the Lendee, in the event of an auction. 

Credit Acceptance Corp. sent me a current balance of {$13000.00} and has also reported to the major credit bureaus as purportedly owed by me, after the car was sold. This subterfuge needs to end! 

I would like to partake in the class action lawsuit to, first and foremost, have my default status expunged from the credit bereaus ; and be recompensed for this finagling and underhanded contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
this collectors are harassing and abusing me by calling repeatedly 5 to 10 times a day and at XXXX and XXXX they are constantly are threatening me constantly to pay them with gift cards from XXXX XXXX or send them money from XXXX XXXX XXXX they said they will come by and arrest me cause they have the power to arrest anyone if i don't have the gift card ready for them when they come by the house. I already told them i do not owe you anything. I'm a victim of Identity theft, I have no knowledge of any account debt at all. Do not contact me. they keep harassing me..to pay them with gift cards. Please help... I have a XXXX I am a XXXX citizen..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: MS

Complaint narrative:
i got account an inquiries that are inaccurate and need to be removed from my report asap!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: MS

Complaint narrative:
i got account an inquiries that are inaccurate and need to be removed from my report asap!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: PA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX opened a collection account for my phone bill. However the issue I have now is that they just added the same collection onto my account again on XX/XX/2023. Not only is it the wrong amount this time but are they even allowed to do this again???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My old employer deposit my work check in my account they said it was altered which was not they released the funds to me then they turn around and release the fun back to them I don't know how that works and then they close my account without my paycheck being dispersed to me I need this resolved ASAP thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Prizm Financial Company, LLC
State: IN

Complaint narrative:
My financing company has broken a number of federal laws from the tila laws ranging from unfair practices, fcra violations, repo violations, producing the accountant ledger which shows the transaction made between them and whom they purchased my alleged debt from.Also my account validation and not verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: NC

Complaint narrative:
The Credit Bureaus stated that my XXXXXXXX XXXX XXXX  account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/23 capital one closed my venture x card without explanation except for violating terms and conditions. I have no violated any terms and conditions, the employees that I have talked to at capital one are unable to see why I would have my card closed. I always pay my card in full on time. I just paid the {$390.00} annual fee without any benefit uses since paying the annual fee. They also deleted all of my reward points. They attempted to escalate this and said they were not able to see the exact reason this was closed. I feel like this is a scam to keep rewards and annual fees from clients as this is a known issue with Capital One ( closing cards without being able to give a specific reason ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Check was sent to cover entire bill was cashed and yet still reporting on my credit report. They received more than the entire bill. Nothing but problems trying to get more money from my checking account when its more than enough to clear a. Punt ac or ding to their document. I had to get my bank to not allow them to continue taking money when they have been paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notification that there has been a change to my XXXX XXXX credit bureau. Imagine my surprise when a collection agency Ive never heard of and have no communication with play some erroneous amount on my credit bureau. Remove this collection from my credit file and Im thinking {$1000.00} for the damage that youve done to my credit. Next I hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: GA

Complaint narrative:
You have a duty to provide the name, address, and telephone number of each person who personally verified these alleged accounts, so that I can inquire about how they verified without providing any proof and bearing my signature. I am again formally requesting a copy of any documents bearing my signature, showing that I have a legally binding contractual obligation to pay you or them. 

U.S. Dept of EdXXXX XXXX {$1100.00} U.S. Dept of Ed/XXXXXXXX XXXX {$2000.00} XXXX - NO BALANCE XXXX XXXX - {$200.00} By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report within 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
On XX/XX/23 Select Portfolio Servicing drafted a false document. The document is identified as a Escrow Closing Letter. They indicated on the letter that I requested to close my escrow account and ask that I respond, to the letter, before XX/XX/23. 

SPS action are in retaliation to my claim filed with the Consumer Financial Protection Bureau. 

On XX/XX/23, I drafted an email to SPS at XXXX indicating that I never request the removal of my escrow account and the claim is false. I made a follow up call on XX/XX/23 at XXXX. On this call, I spoke with XXXX ( XXXX ). I informed her that I NEVER requested to remove the escrow account and and I did NOT desire for it to be removed. My request was for my account to be noted and reflected as such. She advised that the escrow is scheduled to be included for the Month of XXXX. 

On XX/XX/23, SPS issued my monthly statement that reflected a balance due of {$3800.00}. The current balance for the Month of XXXX was {$1900.00}. The statement also reflected a special account contribution in the amount of {$670.00} for the Month of XXXX, but there was still no reporting of my escrow payment for the Month of XXXX. 

On XX/XX/23, I submitted my payment online in the amount of {$1900.00}, for the Month of XXXX. This payment posted to my account applying {$1000.00} towards principal and interest and {$740.00} towards the escrow account. Based on my calculations there is {$170.00} unaccounted for and misallocated. 

On XX/XX/23, I accessed my SPS account to see that they had removed the escrow for the Month of XXXX. The account reflects a balance due for XXXX in the amount of {$1000.00}. 

Because my account has not been updated to reflect the escrow payment for the Month of XXXX. ( {$670.00} ) Also, because my transaction were made electronically, I am requesting that SPS be reported to the FTC for an internal investigation. Due to the falsification of a legal document, and the removal of my escrow account, by SPS on XX/XX/23, I am request DOJ perform an internal investigation into all legal transactions. 

The actions of SPS have caused me mental and physical injury. I have lost time from work to seek out mental and physical support to deal with my XXXX XXXX  and XXXX XXXX XXXX I am requesting that SPS issue pain and suffering compensation to me in the amount of {$2500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and was informed that my information was stolen by someone or Company. My XXXX, Social Security XXXX, and Date of Birth was stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 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: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
I noticed that my credit report shows an inquiry from a company I have no recollection of ever doing business with. I did not submit my information to have my credit Ran & I am so upset right now. The company name is CROSSCOUNTRY XXXX XXXX XXXX XXXX XXXXCROSSCOUNTRY MORTGA on XXXX. I am very selective of my credit being ran & I have no need for it to be run as I have everything that I need. Hopefully this company doesnt do this to others as its not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: GA

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unequal treatment of XXXX XXXX  consumers in the credit reporting process and the violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I have been a victim of TransUnion 's failure to comply with the FCRA and its obligations under the law to ensure the accuracy, completeness, and confidentiality of the information they provide, as well as their failure to comply with the Metro 2 format and the procedures outlined in 15 U.S. Code 1681i in case of a disputed accuracy. Despite my efforts to have the inaccuracies on my credit report corrected, TransUnion has failed to take any action and has violated my rights under the FCRA. I believe that the unequal treatment I have experienced in the credit reporting process is unacceptable and I am seeking the assistance of the CFPB to address this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is in response to claim # XXXX which was not adequately addressed. See attached amended letter from AMEX that I received in XXXX OF XXXX with revised terms. It states that transactions BEFORE XX/XX/XXXX : CURRENT APRs WILL CONTINUE TO APPLY TO THESE TRANSACTIONS and the new XXXX will apply to purchases and balance transfers made ON OR AFTER XX/XX/XXXX. My APR did not change until XX/XX/XXXX and is being applied RETROACTIVELY to XXXX!! Prime rates did not increase until XX/XX/XXXX!! 

PREDATORY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
on the XXXX of XXXX 2023 i send cash through XXXX to my family member named XXXX XXXX, phone number XXXX. The money was taken out from my bank account but the receiver did not receive it. 

I contacted Cash App customer service and they told me that they can not locate the money. I asked for a refund and it was denied. After checking my CashApp, I see that the money was sent to Account number XXXX. The Identifier for refund refusal is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: CA

Complaint narrative:
I never authorized child support to take money or report it on my credit report it is unconstitutional and goes against 18 u.s code 1028A aggravated identity theft and also I received my papers i was not legally served and it's not even stamped at the top and it also is not judicial it's administrative that means it's illegal there was proper procedures followed

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