vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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 — Investigation took more than 30 days
Company: Grant & Weber
State: NC

Complaint narrative:
I sent a debt validation letter on the following date XX/XX/22 In relation to an {$850.00} account and this company has failed to validate my debt within the allotted time frame of 30 day from receipt of this Letter. Or remove this invalidated debt from collections.

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I paid bill due XX/XX/XXXX via online billpay with my bank on XX/XX/XXXX. I received a new bill in XX/XX/XXXX showing previous amount plus late fee and interest. I disputed charge via their online system. They said I needed to provide proof of payment. I sent a copy of the Check from my bank that was deposited on XX/XX/XXXX well before due date. I got correspondence that payment was credited but I got a new bill showing a late fee. After several attempts to correct this I am seeking your assistance.

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 2023-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient has been calling me multiple times a day and also attempting to contact third parties about a debt. They've been emailing and calling me at work. They've been calling my children 's cell phones, they've been calling my mother. 

On XX/XX/2023 I sent a certified letter requesting that they only contact me in writing at my mailing address. I also requested a copy of the signed promissory note on the loan. A representative from Navient received my written request on XX/XX/2023. Since that date, they have continued to call various phone numbers associated with my name and sent various emails to email addresses associated with my name. This is in clear violation of The Fair Debt Collection Practices Act. 

I do not acknowledge this debt and dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 — Overcharged for something you did purchase with the card
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
On XX/XX/2023 I returned a rental car ( supposed to be charged at a compact rate ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. I rented a car on XX/XX/2023 ( XXXX ) and had to return it on XX/XX/2023 for mechanical problems and I was given a XXXX. I was charged {$2400.00} ( approximately double what I owed ) on my XXXX XXXX XXXX. I bank with my student bank account XXXX XXXX and at the time, I had a - {$8.00} in my checking account. My Mastercard debit/credit card is linked to my checking account. On XX/XX/2023, I called and asked why the unauthorized charge of {$2400.00} was on my account when I had a negative balance and there is no overdraft connected or even possible with the account. I was told that because I had a positive balance ( which I did not, I had a balance of - {$8.00} that the {$2400.00} was charged to my account ). 
I have called a couple of other times because each time I called, I was given a different answer. Finally, on XX/XX/2023, I went online and filed a dispute with XXXX XXXX. 
This drastically affects any college monies that I will/may receive in the future. I do not understand why XXXX  would allow a transaction when there was no monies there at the time of the transaction.

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 2023-03-21 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
New complaint Kohl 's XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX used an outside collection agency at different times in the year of XXXX, giving me the option to settle a credit card debt for {$400.00}. I wasnt able to pay this at the various times they contacted me, and I informed them of this. Now as of XXXX, and XXXX of XXXX, Kohl 's contacted me, stating they want me to pay {$800.00}, to pay the credit card debt in full. I have a credit card statement dated XX/XX/XXXX, and it is for {$350.00}. I have made payments. I do not believe that I should be over charged so much over my initial statement balance as of XX/XX/XXXX. When they go through, my credit card history, I always paid my card off, and when I had a balance, payments were on time, every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In a response letter from XXXX on XX/XX/2023 from my compliant filed on XX/XX/2023, they mentioned that " we confirmed your charge off accounts are not reporting to XXXX '' when in fact they are reporting to all 3 credit bureaus : XXXX, XXXX, and XXXX. Initially, the charge off accounts were only reporting on XXXX. 

So are they incorrectly reporting to XXXX and XXXX? Should these charge off accounts be only reporting accurately on XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Information being reported on my credit report is inaccurate. This includes old addresses, alias names, and accounts that are reporting in violation of my rights consistent with FCRA. A request was made citing the law and the accounts and inaccurate information listed. As of this date I have received no information from the credit agencies. The erroneous information is a violation of my rights and I request that unlawful information be deleted immediately from my credit report.

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Overpaid my credit card almost {$1000.00} on XX/XX/XXXX and called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and today XX/XX/XXXX. I immediately requested a refund when I realized I overpaid the amount from my BOA DEBIT CARD TO MY BOA CREDIT CARD. At first I was really understanding and I would have been if they didnt waste more of my time and kept lying to me saying I would get a refund in XXXX days and then a month and then two statement cycles and then XX/XX/XXXX. Im just over it. I told them I would get all my money and transfer to chase after they refund my money. The guy on the phone who I spoke with today couldnt even give me a date on when I would be getting my money refunded to my debit card

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 2023-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Acquisitions Group
State: AZ

Complaint narrative:
Debt collector FOSTER AND MONROE LLC Date opened XX/XX/2023 Original balance {$1300.00} Requested validation of the debt that Foster and Monroe are attempting to collect i request detailed breakdown of the charges including the original agreement for services, documentation of my payments, and any other relevant information associated with this collection i have also written to all credit bureaus requesting the same As required by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the following : Documentation that proves the debt is valid and that you have the legal right to collect it. 
A detailed explanation of any interest or fees added to the debt. 
I would like a complete and accurate record of any payments made on the debt, including the dates of those payments. 
The original creditor 's name and the amount owed. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am asking that you provide me with the following information : A clear explanation of the nature and amount of each interest and fee charge added to the debt. 
The basis for each charge, including any legal or contractual basis. 
Documentation or information supporting the validity of each charge A detailed description of the legal basis for your actions in collecting the debt, including any applicable laws, regulations, or contracts. 
Information about the statute of limitations for collecting the debt in my jurisdiction. 
Until I receive this validation, I dispute the validity of this debt and demand that you cease all collection efforts immediately from all credit bureaus. 
Please send this information to me in writing within 30 days of receiving this request. I look forward to your prompt response. 
Send copies of my ID and social security Letter sent XX/XX/2023

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: TN

Complaint narrative:
Experian is reporting inaccurate, unverifiable information. This information is gendering me and affecting my everyday life. Im unable to apply for things. Ive sent Experian validation letters asking for validation on these incorrect accounts. They respond saying they are verified but are not showing me how they are. I have asked for this information since last year 2022. I want to take action now.

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 2023-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I was under personal circumstances and were convince to accept. Then no help to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: Byrider Franchising, LLC
State: WI

Complaint narrative:
My name and vehicle information was added to an auto policy with XXXX XXXX. I never gave consent or advised this was being done. Now an accident claim on my vehicle shows up on this persons auto policy with XXXX. It takes a name, dob, address, DL etc to add someone to a policy and I was not notified of this being done. Not once was this information shared with the policy holder or XXXX. XXXX refuses to remove my name from a policy I never authorized. How is adding someone to a policy without person ok, but to remove them by the persons permission not ok? This is fraudulent behavior. I dont want my vehicle information or accident claim information released to anyone without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My account with PNC bank # XXXX was closed in XX/XX/XXXX. I have tried to reach the bank on several occasions over the past years without any concrete reason. 
XXXX XXXX- i was told by a customer care rep named XXXX on the phone that it was put in a security hold and i should contact the number which she gave me and i did with no one answering the phone. 
On several occasion 's i have been to the branch XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX and i have been told different stories. 
XX/XX/XXXX, XXXX i got an email to say my account has been reactivated with the balance shown and i should fund the account to avoid closure. Within the hour another email to say the account is closed and by balance would be sent to me in a Cheque. 
XX/XX/XXXX, XXXX i went into the branch to inquire why i have not gotten my money and a proper explanation as to why my account was frozen and XXXX communication over the years and the staff XXXX XXXX XXXX to make a report as she was told over the phone by the banking service and for whatever reason her computer stopped working and had to get the branch XXXX XXXX XXXX who told me to expect my check in the mail and oddly offered to shred the account documents i had with me. I refused and told her i will do so when i get my account balance. 

XXXX is XX/XX/XXXX not a phone call, not a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: VA

Complaint narrative:
Experian refuses to remove collection account from credit report after documentation was sent in XX/XX/XXXX from company and myself

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 2023-03-21 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: VA

Complaint narrative:
Equifax refuses to remove from credit report after being sent documentation on XX/XX/XXXX from company and myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX & Account number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-21 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX & Account XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KP ASSET CONSULTING LLC
State: OH

Complaint narrative:
I ( and many people Ive known throughout my life ) got a call from a XXXX XXXX saying I had a pending claim that once filed will be public record and they will come to my home and workplace. They said I had the right to contact the filing party, at the provided number XXXX and I did. 

I asked them to mail me documents on the claim to the address they had on file and they said if I didnt sign for it it would be a refusal to cooperate. 

I asked them to stop calling other people and my place of employment and she refused stating they would continue to call everyday.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-21 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: NY

Complaint narrative:
I have been trying to retrieve and dispute information from my Equifax report since XX/XX/2022. I have called and have gotten several poor excuse no one can point me in the direction of retrieving my information the last update on my credit from them was XX/XX/2022. I have no access to my file, I have applied for apartments and they too cant retrieve any information from my account! I spoke to a fraud representative who advised me that they would fix my account yet to no avail, my disputes are being ignored wrong addresses wrong accounts wrong names several accounts that I have flagged for fraud still nothing done! This is very troubling to not have access to your own report and XXXX need this addressed as soon as possible as Im attempting to move and no apartment can access my credit through Equifax! My information has been breached several times through the carelessness and lack of consumer assistance from Equifax! Their fraud department has been no help and I have lost many apartments due to their lack of providing correct information to these businesses!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: MN

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC
State: OH

Complaint narrative:
Called me in regard to a family member. Giving me personal information and information on voicemail in regard to the loan. I am not the only relative who has been contacted. Also harassing the relative on the paperwork constantly. Multiple voicemails have been left to stop.

Company response to consumer: Closed with explanation