vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 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: VA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was stopped at '' XXXX XXXX  '' at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Texas XXXX on XX/XX/2022. The time was roughly XXXX XXXX. when I arrived, I was stopped by a lady with a XXXX XXXX XXXX column at the mall. I told her I was on my way to XXXX XXXX  which is reputable fragrance store there. She recommended that I look at her selection. After smelling the fragrances there I told her I was uninterested. She asked which colognes I liked, and I described to her the ones I owned. ( Which are all worth over XXXX ) I asked if she had XXXX XXXX lband she stated, '' All we have are cheap colognes. I'm really desperate for sale. Can you please just buy one and I'll give the second half off. '' I was completely uninterested as the clones were cheap and unappealing but as a sympathetic person I made the purchase as the total was cheap ( XXXX ) She swiped my card and handed me the bag and I went to XXXX XXXX like I originally intended. As I was there I noticed the cell phone Capital One notification for {$140.00}. I looked in my bag and noticed they had not given me a receipt. I immediately went back to them to confront them about the charge. When I arrived I was told they would not give me the correct degree-upon price. I told them if they won't I want my money back and to return the items. They denied me completely as it became apparent I was conned. The packages remain unopened to this day in the same condition I received them from less than 2 weeks ago. The going prices for these exact replicas you can find at most retailers for {$17.00} and the other for XXXX or less and I she was " desperate '' ( con artist ) I didn't mind paying XXXX bucks over. But {$110.00} over is ridiculous!! 

I filed a dispute online with Capital One and since exactly what they wanted three times over fax. Spoke to five Representatives thoroughly explaining what happened. Also sent another document with my name case number date and signed through a PDF from my email separately. I realize that my bank is clearly on the merchants side as they've also disregarded completely any information I've sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Asked Sallie Mae/Navient to discharge the co-signer. 

Also asked them to provide the list of lenders who hold my private loan. They have yet to provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
ON XX/XX/XXXX I spoke with a representative from the settlement department of Credit Acceptance about a pay off on an XXXX XXXX XXXX .I am the co -signer on this vehicle for my Grand daughter. Upon the purchase of the vehicle I was sold a warranty incase anything happened to the vehicle I can use it to cover the cost and get discount on services etc. However we were faced with large out of pocket repairs on the vehicle. Every company I went to didn't except the warranty company that was sold to me by credit accepatance as A GARANTEE protection. I will show the recpts where I had an out of pocket expense of {$2400.00} because they didn't except services from this particular company because they have a bad reputation of not paying providers. I reported it to the dealership and I was told to try many different locations and then have it towed there. I noticed this contract was under the truth in lending act and no way should I have ever been in this position and my rights under the truth in lending retail installment contract has been violated. I am XXXX  and is living on limited income and I don't deal with Debt. When I had to pay the out of pocket expense the account became delinquent. Credit Acceptance has done nothing to help us regarding the Bogus warranty that was sold to me under the truth and lending act that was attached to the installment agreement. I explained the matter and requested if I can pay {$15.00} as a settlement to pay off this car. They told me the car is {$22.00} and some change and my pay off is {$20.00} and change because they dot settle. also the interest is compounded .I asked about a payment plan however they will give you a payment plan but the interest will keep accruing on the portion that is not being paid which it will keep you almost close to the balance.of the original finance amount. its like you will never pay the car off and you will be paying compounded interest. i was told the warranty i was sold and never was able to be used could be cancelled however i would not get any money back from a warranty that was not accepted anywhere. If they did this to me im sure they doing this to all their customers. They are trapping people in this retail installment agreement and almost forcing unrealistic terms that people are having issues with. Credit acceptance is not taking any of the responsibilty of what they are having the consumers sign. We also never recv 'd a truth in lending seperate paper explaining our rights under the truth in lending act. that was another violation under U.S. CODE 3952 PROTECTION UNDER INSTALLMENT CONTRACTS FOR PIRCHASE OR LEASE.

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 2022-08-31 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: NJ

Complaint narrative:
XXXX continues to negatively pull my credit for something I did not do in XXXX. I tried to deal with the issue on numerous occasions but to no avail. I submitted a fraud report through the federal fraud department, because now the police department in my city doesn't physically accept fraud reports. I was XXXX  during the time in question, but XXXX says they can not remove the negative items although I submitted proof of XXXX  from the NJ state parole board and NJDOC. I was XXXX  from XX/XX/XXXX until I was XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Hello, Please see the summary below : -Ongoing delinquency in paying on loan due to loss of job and health issues. 
XXXX XXXX XXXX  paid the delinquent amount after multiple struggles to get a means to route the payment to Ally including online, online third part debit, and XXXX XXXX Access to my account was restored and I submitted the payment of {$3500.00} via Ally portal draft. 
XXXX XXXX XXXX  I recognized funds had not come out of my checking account, recognized the routing number had been entered instead of account. Contacted customer service via Chat. Instructed to enter the payment with the correct account number. I requested notation on the account and was told it would be done. Submitted payment for {$3500.00} via online draft. Draft automatically dated for next due date. Edited date for same day. No issue on submission. 
XXXX XXXX XXXX  received a phone call from Ally rep stating I was in repossession and delinquent on the account. Notified by representative that the loan would be discharge if I did not pay. Explained that I do not have the funds as they had been removed from my account. Representative instructed me I would need to pay it or place it on a credit card after the representative spoke to his supervisor. I replied that was not an option as the payment is marked completed in my transaction history on Ally and the funds have left my account. Representative notified me the loan would still be discharged within a day. I requested to speak with a supervisor. XXXX XXXX reviewed my understanding and confirmed my timeline of events. I asked that if the loan was going to be discharged regardless of my completed payment could she locate my funds. After a hold she notified me that the amount I paid was filed as a Overage Payment and that is why my record reflected ongoing delinquency and order for repossession. XXXX XXXX stated that customer service would need to change the application of the funds to fix it. I requested to speak with her manager as this represents an Ally process and infrastructure problem that would have resulted in major financial repercussions for me despite having completed my agreement. We became disconnected. I called back in and was routed to XXXX XXXX 's managers voicemail according to the representative. I left my name, loan number, and phone number on the voicemail requesting a timeline for repossession to be removed and the account to reflect my current transactions with Ally. 

I am requesting that Ally update it, and any records forwarded to other entities, reflect my delinquency was brought current on XX/XX/2022. I would also like updated if my vehicle is still in repossession as this creates a major dynamic change I will need to address to protect my income and my life stability. 

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 2022-08-31 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: DISCOVER BANK
State: NC

Complaint narrative:
This account was charged off in XX/XX/2017. The error they have made is they have continued to report an active payment history since then, almost 6 years! It is my understanding that a charge off account is not suppose to report an active payment history! Its illegal that they are updating the status date when the charge off was in XX/XX/2017. 

i am in fear this impacting several factors within my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfoliocovry calls from a different number every time. I spoke to a female and explained she has the wrong number and she said she will remove the number from the list but everyday I get the same call about the same person and from a different number of whom I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This account was charged off in XX/XX/2017. The error they have made is they have continued to report an active payment history since then, almost 6 years! It is my understanding that a charge off account is not suppose to report an active payment history! Its illegal that they are updating the status date when the charge off was in XX/XX/2017. 

i am in fear this impacting several factors within my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX continues to negatively pull my credit for something I did not do in XXXX. I tried to deal with the issue on numerous occasions but to no avail. I submitted a fraud report through the federal fraud department, because now the police department in my city doesn't physically accept fraud reports. I was incarcerated during the time in question, but XXXX says they can not remove the negative items although I submitted proof of XXXX  from the XXXX  XXXX XXXX XXXX and XXXX. I was incarcerated from XX/XX/XXXX until I was released XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX continues to negatively pull my credit for something I did not do in XXXX. I tried to deal with the issue on numerous occasions but to no avail. I submitted a fraud report through the federal fraud department, because now the police department in my city doesn't physically accept fraud reports. I was XXXX  during the time in question, but XXXX says they can not remove the negative items although I submitted proof of XXXX  from the NJ XXXX XXXX XXXX and NJXXXX. I was XXXX  from XX/XX/XXXX until I was XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have never had a credit card or any other credit account ever and no such account has ever existed in my name XXXX has put multiple fraudulent accounts that do not belong to me and were not created by me on my consumer report. This has made it hard for me to receive credit or get approved for apartments which is very stressful and XXXX. I have notified them of the accounts resulting from identity theft and requested they be removed within 4 business days as described in 15 usc 1681c-2. I have not given them any reason to decline my request and they have not provided any contract or other evidence that gave them the right to furnish my consumer report with this fraudulent information to begin with .the fair credit report requires the maximum amount of accuracy at all time.

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 2022-08-31 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: I.C. System, Inc.
State: FL

Complaint narrative:
I have never had a credit card or any other credit account ever and no such account has ever existed in my name XXXX has put multiple fraudulent accounts that do not belong to me and were not created by me on my consumer report. This has made it hard for me to receive credit or get approved for apartments which is very stressful and XXXX. I have notified them of the accounts resulting from identity theft and requested they be removed within 4 business days as described in 15 usc 1681c-2. I have not given them any reason to decline my request and they have not provided any contract or other evidence that gave them the right to furnish my consumer report with this fraudulent information to begin with .the fair credit report requires the maximum amount of accuracy at all time.

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 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have never had a credit card or any other credit account ever and no such account has ever existed in my name .Transunion has put multiple fraudulent accounts that do not belong to me and were not created by me on my consumer report. This has made it hard for me to receive credit or get approved for apartments which is very stressful and XXXX. I have notified them of the accounts resulting from identity theft and requested they be removed within 4 business days as described in 15 usc 1681c-2. I have not given them any reason to decline my request and they have not provided any contract or other evidence that gave them the right to furnish my consumer report with this fraudulent information to begin with .the fair credit report requires the maximum amount of accuracy at all time.

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 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I reached out to Bank of America to report a XXXX scam that defrauded me of {$3500.00} and was looking for reimbursement of those funds. They denied my claim, and I elevated the situation within the company, and denied it again. What they sent me was a letter stating that I should contact the person who scammed me for my reimbursement. When asked how to avoid this scam since they spoofed Bank of America 's number and acted as an official from their institution, I was told to always " hang-up and call back. '' This would delay my response to my account being hacked by at least :45 minutes. 

Here is my story : What occurred to me on XX/XX/2022 was, as I later found out, a common scam which has been going on for quite some time. What is even worse is that after the scam, within the hour, I called the Bank of America ( BofA ) fraud department and they told me they knew exactly where my money went ( XXXX XXXX ) and that this happens frequently. 

Instead of calling XXXX XXXX, they submitted this claim and I had to wait until XX/XX/2022, to receive an automated letter denying my claim. I then elevated my complaint to their " Executive Escalation Team, '' only to be denied again. 

I know BofA has stock in XXXX. It is an application that I have only used once and am unfamiliar with the workings of it. It is automatically on the BofA app, which I assumed means it was protected from fraudulent activities. It seems it is not. 

The person who scammed me, spoofed BofA 's primary phone number, sent me a verification text using the exact same fraud alerts that are " official '' BofA wordings and were verbatim when they called me explaining that I was scammed... only to find out later they were scamming me. 

All logical signs indicated that the person on the line was a BofA employee and the steps I was taking were done under distress as the primary goal was to ensure that no more money was taken. 

When doing a quick search online I have found that BofA has refunded a lot of people their money back from this exact same scam. I saw a class action lawsuit was filed against BofA because of this scam and all persons scammed were refunded their money. 

This is an issue where I received no notifications from my institution about this type of scam which has been going on for quite some time. Also, since BofA refunded others for this same reason, this same amount, and this same scam, I would like to be treated the same and have my money refunded. 

After being a loyal customer for almost 20 years, I expected better treatment. As a XXXX XXXX XXXX XXXX XXXX XXXX, I thought my treatment would have been better as well.

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 2022-08-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
Amount is {$350.00} On XX/XX/2022 XXXX contacted my son from XXXX and left a voice mail on his phone. It stated " This is XXXX XXXX contacting you once again in regards to a claim that is being refiled for ( my name ) to make you aware that once docket number VA XXXX is refiled it will become a matter of public record and there will be an order of location rescheduled. Now this claim is being refiled against ( my name ). We're reaching out to you as a point of contact because it is a matter of public record and your name is somehow affiliated with their claim. Now Miss ( my name ) does still have the legal right to contact the filing party. However once the claim is discharged in their office that will no longer be an option. If you happen to speak with ( my name ) it will be in her best interest to contact the office immediately before all legal rights are forfeited. Number for her to contact once again XXXX, referencing docket number VA XXXX. This is a legal notification by telephone and it will be redocumented on the claim, thank you. ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC
State: FL

Complaint narrative:
LoanCare is reporting late fees on my credit report when the account is already paid and closed. With the 15 USC 1681 Section 602 States I have the rights 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 a open end consumer credit plan as late for any purpose.

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