vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: NY

Complaint narrative:
Reference XXXX. 

To whom it may concern, On XX/XX/2022 as an existing cardmember of Discover I was per-qualified for another credit card offer for which I've applied on XX/XX/2022. The status of prequlifying and assurance of extended speed of process as an existing card member of Discover made me consider this offer to an extent of application. On XX/XX/2022 I've received a notification that in order to finalize the application I need to give a call to XXXX and speak with Discover agent. Per this instruction I've gave a call to Discover at approximately XXXX on XX/XX/2022. As a victim of identity fraud in the past, I always make sure to take extra step to protect my information. Because of that there is a 'fraud alert ' on all of 3 major credit bureaus reports, advising lenders to verify the application with me by calling on the phone number listed on the report ( 'Method ' ). This is something I was expected to have with Discover as well as a part of the procedure. Instead I was informed about some form, issued by IRS, which needs to be signed by me ( which as I write this letter ) still haven't been received by me and then wait additional 7 business days. This is extremely confusing, frustrating and misleading, especially for a customer of 3+ years expecting streaming of the whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or about XXXX XXXX, XXXX I was solicited with an offer for a XXXX night stay at a XXXX XXXX XXXX in exchange for listening to a XXXX XXXX hour timeshare presentation based on interest. To confirm this deal they charged my credit card {$270.00} that was to be returned to me in cash when the presentation is completed. They confirmation e-mail after payment was made for this deal stated " approximately '' XXXX to XXXX hours. 
This stay took place XXXX. The presentation was on XX/XX/XXXX started at approximately XXXX am. During this presentation an employee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX took me a golf cart ride around the very large estate of XXXX XXXX XXXX. At XXXX a.m. we were nowhere near the starting point where my car was parked. When I asked for the presentation to end and be brought back I was told I must continue for at least another XXXX minutes because he did not finish closing me and he refused to return me back to my car, refund my {$270.00} and then they even billed me for the XXXX nights! Even according to XXXX XXXX XXXX XXXX XXXX inaccurate records I was there for over an hour which should still be enough to qualify. 

When I contested this with the credit card company XXXX XXXX XXXX ( Chase ) they decided I was responsible to pay. I didn't find out until later that turns out that XXXX and XXXX XXXX XXXX XXXX XXXX XXXX have a business arrangement with each other and XXXX can not possibly be a honest entity to decide if their business partner has been dishonest in their business dealings. XXXX XXXX XXXX XXXXXXXX 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  ) I would like to point out I have a very long history of paying all my bills on-time and in full. My score was in XXXX 's where in belongs before this incident. I continue to pay 100 % of all my other purchases with all my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I am filing this complaint for several late payments to my account which occurred during the pandemic. The late payments for XXXX were in XXXX, XXXX, and XXXX. The late payments for XXXX were in XXXX, XXXX, and XXXX. The monthly payment amount was {$590.00}. I made on time payments prior to the pandemic. It was a very difficult time as a single mother with XXXX kids trying to work during the pandemic. The stress and anxiety from the pandemic and also getting XXXX made it very difficult for me to work. I have called Credit Acceptance on many occasions trying to get them to work with me on those late payments and I didn't receive any assistance. The only thing I received were very rude and unconcerned representatives. I would greatly appreciate some type of leniency in these difficult times.

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 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
Debt collection company : EOS CCA on behalf of XXXX XXXX XXXX  I have been receiving multiple texts and phone calls/voicemails regarding someone elses debt. At first I thought it was a scam because I am current on all my debts and have never used XXXX XXXX XXXX ( which they claimed to be collecting on behalf of ). The text messages and voicemails threaten tax levies, garnishment of wages, etc I finally called them back and found that they were calling/texting regarding a debt they KNEW was NOT MINE. I believe this is a violation of their right to ONLY contact me ONCE. I also feel that their scare tactics of trying to make me believe that I was the one in danger of tax levy and garnishment rises to the level of harassment under the law. 

The collection agency is XXXX on behalf of XXXX 

I have deleted multiple texts and voice mails regarding this, as well as blocking numbers, but I still have records of the following contact attempts : XX/XX/XXXX voice mail stating they have been retained by XXXX XXXX XXXX to file for judgment XX/XX/XXXX text message received stating garnishment and tax levy XX/XX/XXXX voice mail stating they are filing for garnishment and tax levy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Debt collection company : XXXX XXXX on behalf of Check n Go I have been receiving multiple texts and phone calls/voicemails regarding someone elses debt. At first I thought it was a scam because I am current on all my debts and have never used check n go ( which they claimed to be collecting on behalf of ). The text messages and voicemails threaten tax levies, garnishment of wages, etc I finally called them back and found that they were calling/texting regarding a debt they KNEW was NOT MINE. I believe this is a violation of their right to ONLY contact me ONCE. I also feel that their scare tactics of trying to make me believe that I was the one in danger of tax levy and garnishment rises to the level of harassment under the law. 

The collection agency is XXXX on behalf of Check-n-Go. 

I have deleted multiple texts and voice mails regarding this, as well as blocking numbers, but I still have records of the following contact attempts : XX/XX/XXXX voice mail stating they have been retained by check n go to file for judgment XX/XX/XXXX text message received stating garnishment and tax levy XX/XX/XXXX voice mail stating they are filing for garnishment and tax levy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MD

Complaint narrative:
My card was hacked and the culprit took XXXX and my bank allows my paycheck to be deposited into this account when I called them with this information they simply canceled the card and didn't investigate the fraud nor refund my money and my payroll check goes into that account please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I cosigned for a loan from XXXX with my daughter in XXXX 2021. THe car was totalled in XX/XX/2021 and the insurance paid XXXX over {$12000.00}. THe balance is to be paid by XXXX through a XXXX insurance policy and XXXX was aware of this. XXXX and XXXX both are very slow processing payments and claims. Out of nowhere without warning, I received a credit alert that my score dropped more than XXXX points for a 30 days late payment from XXXX after they have received {$12000.00} from the insurance company. XXXX is aware that the car is totalled and XXXX is processing the XXXX insurance policy that was submitted XXXX XXXX, 2021. I am trying to refinance my home and this practice from XXXX has hurt my family and I seriously during this time of XXXX pandemic and I am a XXXX worker. I need my credit report fixed 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 explanation
Consumer complaint received 2022-01-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I disputed a charge in the amount of {$770.00}. 

On XX/XX/XXXX I received a letter stating our claim is in the review process. 

On XX/XX/XXXX, I received a letter stating the research has been concluded and a provisional credit has been issued to my account. The letter also states the merchant has the option to provide documentation within the next two billing cycles that the credit to me was not due. 

On XX/XX/XXXX, I still had not received the credit so I contacted the dispute department. I was told they would have this escalated for review. I received a letter dated XX/XX/XXXX. The letter stated the amount was applied to my account on XX/XX/XXXX. 

On XX/XX/XXXX I again contacted the dispute department since I still had not received the credit due. I spoke with XXXX and she again stated this would be escalated for review. 

On XX/XX/XXXX I again contacted the dispute department since I still had not received the credit. This time I spoke with XXXX. She stated this should be resolved within 5-7 business days. If not, I should call and speak with a manager. I received two letters dated XX/XX/XXXX. The day I had spoken with the dispute department. One letter stated they are opening a dispute claim and to alow them up to 90 days to complete their review. I do not understand why this letter since the dispute was started XX/XX/XXXX. The second letter stated the amount of {$770.00} was applied to my account on XX/XX/XXXX. The same letter also stated a refund check will be sent within the next 45 days for any credit balance on the account. 

Today XX/XX/XXXX I spoke with the dispute department and was transferred to the billing department. I spoke with two managers there. One by the name of XXXX and the other by the name of XXXX. Again I was told there is nothing they can do since a XXXX from the dispute department started an investigation. I to this day have still not received the credit I was due. 

I informed them I have been patient enough and would be filing a complaint. The credit card affected by the dispute was ending in XXXX. We have closed that card and were issued a new card ending in XXXX. I am mentioning this since one of the letters I will be providing as documentation has the account number ending in XXXX. The remainder of the correspondence has the new card listed ending in 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 monetary relief
Consumer complaint received 2022-01-11 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My card info was stolen in XX/XX/2020, a ton of fraudulent charges were made. 

A police report was filed, and judging from the fact that all the charges but 1 were removed from my bill, best buy also agreed they were fraudulent. 

However, a charge for XXXX from the list of fraudulent charges is now being charged to my account.

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 monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Hyundai Finance XX/XX/2016. A consumer credit transaction in which a finances charge was involved. 15 USC Defines a finance charge as the sum of all charges in a consumer credit transaction. Hyundai Finance made me purchase my insurance separately and has violated laws including but not limited to 15 USC 1681a ( d ) 2 ( A ) ( i ) sharing this account with creditors, This debt was never validated according to 15 USC 1692g. Hyundai Finance is also using misleading information to try and confuse me saying that the FDCPA doesn't apply to them.

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 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I, XXXX XXXX, was working with JPMCB. During this credit transaction, they have shared my private information and violated my consumer rights. This has caused me great stress, and has limited my ability to act as a consumer. They have not validated this debt according to 15 USC 1692g. They have violated many rights as I will show below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: CarMax, Inc.
State: IL

Complaint narrative:
Carmax Auto Finance have not updated my credit report since XX/XX/2021. A dispute was sent thru XXXX and per XXXX representative CarMax Auto Finance have not responded. This is now violating the FCRA. My account is paid and closed. Ive also sent a complaint for XXXX. XXXX and XXXX have been updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: NC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: DC

Complaint narrative:
Equifax refuses to remove a Fraud Alert from my credit account..Ive called multiple times and keep getting told to verify information. Once the the information is given they refuse to remove the fraud alert ... This is completely unacceptable and is XXXX XXXX on the part of Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Transunion refuses to remove a Fraud Alert from my credit account..Ive called multiple times and keep getting told to verify information. Once the the information is given they refuse to remove the fraud alert ... This is completely unacceptable and is IDENTITY THEFT on the part of Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
This company is fraudulently reporting information on my report without my consent. I am not aware of this account who opened it and the account is being reported as charged-off. That means someone was paid off the account and my name. Who gave them consent to report this account? They have not provided my wet hand original signature that gave them consent. This is damaging my reputation and causing injuries as I am not able to obtain credit. The account has been charged off so why is it on my private report. 

Regulation P stated they are required to provide an opt out notice which means they are moving in dishonor by not respecting my privacy disclosing information to a third party without my consent. 

15 USC 1692a ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus and their is only one Bureau and that is the Consumer Financial Protection Bureau. 

15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They have not provided any documentation of that was obtained through personal interviews with neighbors, friends, or associates. 

Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) An act or practice is unfair if ( A ) the act or practice causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers ; and ( B ) such substantial injury is not outweighed by countervailing benefits to consumers or competition. 12 U.S.C. 5531 ( c ) ( 1 ). 

I KEEP GETTING DENIED CREDIT BECAUSE XXXX XXXX IS FRAUD WITH THE REPORTING ON MY PRIVATE CONSUMER REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: EQUIFAX, INC.
State: DE

Complaint narrative:
It has been well over 30 days since complaining about errors on all XXXX credit report for XXXX XXXX for inaccurate markers, as well as with XXXX XXXX in regards to XXXX that contains bills once removed and then readied from my deceased sister XXXX XXXX, and a former tenant XXXX XXXX, in a former rental property in PA, and information still remains on my report although inaccurate. In addition I was the victim of identity fraud and utility services were used by someone unknown. This has been a total nightmare and to have to deal with inaccurate credit as a result of this devastation, is a lot to handle. 

XXXX XXXX continues to report inaccurate info is still being reported even when I am current on my payments, and a paid of account as of XX/XX/2021. XXXX also without my authorization pulled my credit multiple times without my permission, causing inaccurate inquiries, lowering my score. 
I have requested for at least 5 months, sent in XX/XX/2021, to all three bureaus to remove inaccurate info, and they have not. Equifax in particular is non responsive to my credit error issues, after repetitive calls and and letters. Also complaints through XXXX parties such as subserved serviced with XXXX and XXXX XXXX sent disputes. Please assist me with getting these 2 item removed as it is hurting me in getting a home with this inaccurate information on my reports.

Company response to consumer: Closed with explanation