vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-11 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: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
i had an insurance with XXXX. i paid the policy in total upfront. nearing the end of the policy term they increased the policy rate so i asked them not to renew because the price was high. they assured me on the phone that there is XXXX balance left because i paid in total already for the current policy and they will not renew the policy anymore because i ask to. i moved from the address on the expired policy to new address and updated my adress on all of my credit cards and bank accounts on XXXX XXXX they never send any letters to my new address. after 6 month i see a deragatory mark for XXXX $ on my credit!!!! i didnt even know what it was. called the XXXX they said it was some discount removal! i didnt receive any letter or any call from the collection agency or the XXXX about that debt. and on XXXX that i called them they confirmed on the phone that there was no balance due. this is a deceptive way to ruin somebody's credit for XXXX $ after the fact that they told me i have XXXX balance due. XXXX said that they dont call me they just send emails. i updated my

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Once again a Capital One Cashback shopping reward credit has failed to show up in my account. This time it was for a XXXX purchase made on XXXX that had a 22 % cashback advertised offer activated and of course a week later fails to show up as even pending in my Shopping Rewards account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
All 3 of the Credit Reporting Agencies have made it extremely difficult to obtain my information, despite the fact that I am a victim of identify theft. They are clearly in violation of the FCRA and FACT act as described in the United States Code!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
All 3 of the Credit Reporting Agencies have made it extremely difficult to obtain my information, despite the fact that I am a victim of identify theft. They are clearly in violation of the FCRA and FACT act as described in the United States Code!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have been a victim of identity theft. As a result i discovered several fraudulent accounts upon review of my credit report. I have contacted the creditors for help getting the matter corrected with zero success. I am now seek greater assistance in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: American First Finance, Inc.
State: WA

Complaint narrative:
I am very grateful to the FTC for providing excellent resources for remedying my recent identity theft. I am emailing to report a lender for being highly uncooperative about removing a credit inquiry from my report. The lender is American First Finance. 

I spoke with XXXX on the phone at XXXX XXXX  on XXXX, XX/XX/XXXX. This was the highest level of supervisor they were willingto provide. They would not allow me to speak with the frauddepartment. XXXX XXXX stated that theircompany policy is to require a notarized affidavitto file a removal from a credit report. This is even in such a simple situation as when the line of credit was not approved. 

Here is their form : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
IP address : XXXX geolocated at XXXX XXXX XXXX XXXX hacked into my XXXX account and charged my Chase Sapphire Reserve Credit Card ending in XXXX ( This card number was replaced because of the fraud ) for a total amount of {$6500.00} through XXXX XXXX charges. I have never purchased anything through XXXX XXXX and did not notice the transactions until later in the month and reported it to XXXX. They then told me to report the fraud to Chase which I did. Chase originally removed the charges and then contacted XXXX but XXXX has refused to take responsibility for the fraud even though I have an email from them stating they closed my XXXX account due to the fraud. I feel as though Chase has not advocated on my behalf and basically says I have to deal with the fraud amount even though I did not do the charges and are claiming I benefited from the charges even though they can clearly see the IP address does not belong to me or my spouse and is in an entirely different city. I appealed Chases decision multiple times and have got denied each time because they say XXXX is the one who has to take responsibility. I dont feel this is fair to me because regardless of HOW the charges ended up on my account, they were fraud and as a company who prides themselves on their fraud protection they should have noticed the abnormal charges and stoped them right away or informed me of them so I could have prevented so many charges from happening. I have filed a police report against the fraud and IP address where the charges came from but I dont know where to go from here because I can not afford to pay for {$6000.00} worth of charges that I did not do. I need help and has an individual person I myself do not stand a chance against such a large company as chase or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Activated a 10 % Cashback offer for XXXX XXXX with my Chase XXXX XXXX card. Made a purchase at a XXXX station with that card on XX/XX/XXXX. It shows in my account as XXXX XXXX XXXX for some reason, but the station is clearly a XXXX. Inquired with chase 's useless outsourced scriptreaders and only received their typical useless canned FAQ responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-11 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:
I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT IS NOT MY OWN BEING DISPLAYED ON MY CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 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:
I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT IS NOT MY OWN BEING DISPLAYED ON MY CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: GA

Complaint narrative:
I have a credit card account with Capital One, and I paid off the balance on the account on XX/XX/2022 but they still continue to charge me interests even after paying off my balance. No other credit card company does this to me. I have had the same issues with them in the past, and they are still doing the same thing and don't want to change their practices. These are unfair practices by Capital One to consumers, which they need to rectify. I thought they had changed their practices after this same experience with them in the past, but it looks like they don't want to. What makes them so different from other credit card companies, who do the right thing. I have paid off balances on my other credit cards and none of them have ever come back to charge me interest fees. So, I guess I can not continue with this type of unethical company. I spoke to a customer rep. of theirs today, and he was still talking about accrued interest, which are already included in the balance I paid off. Then he says " You can do what you want. '' Please have them remove those charges from my account and stop harassing me about them with phone calls and emails. I paid off {$1200.00} and they are harassing me about {$14.00} that they charged the first month and now jumped to {$29.00} this month. This is a way of stressing consumers, which I really do not need now. Thank yo for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one told me they believed I was in the right but they shut down my card account for no reason they would not reopen my account they damaged my credit score I'm trying to re establish credit credit they took my last payment and turned off my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
Amsher Collection Services was placed on my credit report for a balance that was owed to XXXX in the amount of {$820.00}. This information is fraudulent and suspicious. I filed a dispute with XXXX on XX/XX/XXXX and XXXX contacted Amsher Collection Agency. Amsher could not verify that the amount belonged to me and that it was incorrectly reported on my credit file. This account has been removed from my credit report. However, I sent in two money orders before I found out that this account was removed from my credit file. I sent two money orders in the amount of {$820.00} to the XXXX XXXX XXXX XXXX XXXX who is working on my account on behalf of Amsher Collection. I am having issues with receiving my money back. XXXX XXXX keeps telling me that I need to contact XXXX for remittance of payment, but XXXX said that the account has been sold to Amsher and I need to refer to their office. Amsher keeps referring me to the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX refers me to XXXX. It has been difficult getting in touch with someone. I am concerned that this account appeared on my credit report and it was incorrect and didn't belong there. This seems fraudulent. I am planning to file a police 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 2022-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX this is a pretty intricate problem. What Im experiencing is I got an interest only Home equity line of credit in 2006 right before the first mortgage meltdown.. so Ive been paying interest only on {$100000.00} for the past almost 17 years! when I do the math Ive paid pnc back substantially more money than what I borrowed!! The institution in question is PNC Bank if you remember PNC Bank was national city Bank! PNC bought all of national city toxic assets all the. while I was paying interest only loan for the past 17 years and when I talked to pnc they refused to give me the bank statements going back to the inception of the loan nobody will help me, nobody wants to talk to me, they just want me to keep paying {$750.00} a month which none of it goes to principal as per the interest-only.. so my complaint is PNC has made roughly {$140000.00} over the maturity of this interest only loan and the only reason I havent stopped paying on it is because I dont want to ruin my XXXX credit score on the XXXX scale # XXXX, but I dont think I should be responsible for any more of this money because its been paid back already this is my complaint they refuse to send me the monthly statements since the inception of this interest only loan my name is XXXX XXXX my phone number is XXXX I need help as economy is tanking right before our eyes I dont think I should be responsible for any more of this money Ive been paying for the past 17 years to the tune of {$750.00} a month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting 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 # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 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: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence XXXX agency has flagged my credit reports 5 times in the last 15 days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Theyre conducting soft pulls of my credit score then flagging it to reduce my XXXX score in an attempt to bully me into paying the debt on file. My credit score has gone from XXXX to XXXX in 10 days due to the multiple flags. Collection agencies are allowed to flag monthly not daily which is an abuse of power and deceptive reporting. Due to deceptive reporting and abuse they should be required to remove the debit or I will pursue filing a legal suit for violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I have always made additional principal payments to my mortgage account and have started making multiple payments per month. Since XX/XX/2022, this company has been applying payments incorrectly. I have multiple phone calls trying to resolve this issue and get varying responses, including it takes " cashiering '' 60 days to resolve issues, I'm escalating this, and that it's my fault for not using their online bill pay. I am also sending them a Notice of Error. Every payment that is made is compounding the problem. I also am not sure that when they do finally post a principal only payment correctly that they are also adjusting interest and principal on the actual mortgage payment for the error correction. 

The information provided by SPS is woefully lacking. There is no online transaction history, the transaction history they provide is difficult to use because there are no tracking numbers, and I can't even make an escrow shortage payment without giving the company banking information. I do not want them to have any access to my bank account. The only way I can tell, in real time, that they've made errors yet again in posting is to look at what month they say my next payment is due. Currently, I anticipate paying XXXX at the end of the month but the website says the next payment due is in XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: GA

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX {$97.00} They didn't include an acct # In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC sect1681 .

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

15 U.S.C 1681 section 604 A States that 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 non-monetary relief
Consumer complaint received 2022-06-11 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My social security umber has been stolen and my banking information. Someone has obtained a job using my information and the bank reported that this persons address is at XXXX XXXX XXXX, XXXX, NV, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 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: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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