vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP
State: OH

Complaint narrative:
I had a student loan with Key Bank XXXX XXXX originally taken out in XXXX and I paid it in XXXX or XXXX. 
On XX/XX/XXXX, at XXXXXXXX XXXX EDT, I received a collection call from KeyBank that went to my voicemail. I called back and spoke with someone who confirmed that my account was paid in full. She didnt understand why I was getting a collection call. Then she said that my phone number is also associated with another account. I have had this phone number since XXXX or XXXX. She said she would fix the issue. 

On XX/XX/XXXX, at XXXX XXXX EDT, I received another collection call from KeyBank that went to my voicemail. Again, I called back and questioned why I was receiving the phone call. The representative confirmed that my loan is paid in full and I do not owe anything. She said she couldnt see on her end that I had received any phone calls. I told her that I had two voicemails on my phone that are still there, and I indeed had received collection calls. She did some further digging and found that my phone number is still associated with another account. This is not up to me to fix. I am so upset getting collection calls for something Ive already paid, and paid several years ago! 

I still have the voicemails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX and On XX/XX/XXXX I mailed a certified affidavit to Discover Bank and XXXX XXXX XXXX stating that I did not authorize or give consent for their company to share my personal information with any third party and that is identity theft. The company has failed to respond and the items is still on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: GA

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 explanation
Consumer complaint received 2023-04-18 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: CA

Complaint narrative:
Previously I have filed a complaint with this company and explicitly explained to them that they are reporting erroneous and inaccurate information on my Transunion credit report. And previously they responded that they would fix this problem. To date, they have not fixed anything as this account still shows as an active and open account with a balance owed, even after being notified of this already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp.
State: MS

Complaint narrative:
We brought a XXXX XXXX XXXX on XX/XX/XXXX we had the truck 3 days and started having engine problems and it Started derating and only going XXXX miles a hour. So we shut the truck down for 3 days cause they were closed until we could bring it back to them. They keep it Two days and told us they needed the truck to show a code so they would know what to fix. This Model of XXXX XXXX stores all the codes for the life of the vehicle in it everytime it has one, so the codes are always present. The Mechanic. XXXX XXXX XXXX XXXX Told us he don't see any codes in it and need it to show him what codes to fix. So we came back and took it to a Master mechanic in Florida and retrieved the codes for the life of the vehicle because it keeps every code everytime the check engine light comes on so we took pictures of the codes and took it back to the dealership it's 45 days later they still have the truck it's not fixed but the want us to take it we paid for and extended warranty to make sure we would have no issues with repair and being told by the mechanic XXXX XXXX XXXX XXXX XXXX that he would only fix one thing instead of honoring the extended warranty and fixing the truck they was pose to order the pieces and they where pose to be in by XX/XX/XXXX we where told yesterday XX/XX/XXXX that the wrong pieces where ordered and the truck was still not fixed but service tried to give it to use telling us it was fixed we refused to take it we are now being told it has to wait for the right part again and the be sent to XXXX to be fixed again over there leaving us with out a truck but still needing payment we are asking to trade in the non working truck for one that works. Or Cancel this Contract altogether. The vehicle has All the issue of A lemon and fall under the lemon law for Mississippi. It has. Multiple issues. We really need 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 explanation
Consumer complaint received 2023-04-18 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint against XXXX and XXXX for failing to furnish what Portfolio Recovery Associates XXXX has furnished to them to report. XXXX reports the purging date to be XX/XX/XXXX and XXXX reports the purging date to be XX/XX/XXXX. This is a two month difference. to my understanding according to 1681c ( c ) the running of reporting period begins on the date of the delinquency that led to the charged to profit and loss or collections, therefore there should be only 1 date of delinquency date in regards to the original creditor account. I have already requested the date of delinquency from portfolio recovery on XX/XX/XXXX tracking XXXX and I have yet to receive a response regarding my inquiry. Portfolio recovery received my letter on XX/XX/XXXX. Both XXXX and XXXX have both verified as accurate this same account but still report different purging dates. I do not believe XXXX or XXXX are in compliance with 605 and 623 of the FCRA in which this is a Federal concern and Violation. if both agencies choose to report this one account, then both agencies are required to report the same accurate information. I understand XXXX and XXXX are two different entities and do not have the same exact fields reporting but that does not justify the reason why both agencies have verified as accurate the same account with two different purging dates. XXXX and XXXX are manipulating the date of delinquency date that occurred with the original creditor by reporting two different purging dates. I do not believe reasonable compliance procedures are being conducted by XXXX and XXXX to assure my consumer reports are to the maximum possible accuracy before preparing me with results and a new report, which is another FCRA violation 1681e ( b ) accuracy of report. Portfolio Recovery has denied they are reporting any inaccuracies with the consumer reporting agencies therefore the discrepancy of re-aging this account by manipulating the date of delinquency date that occurred with the original creditor because XXXX and XXXX are reporting two different purging dates is solely XXXX and XXXX  default and they refuse to fix this on going issue. XXXX and XXXX should be held accountable for their illegal practices by failing to modify this one account to the maximum possible accuracy instead of deleting this inaccurate account. XXXX and XXXX are verifying as accurate this account by using validity instead of verifying all reported information is 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX and Experian for failing to furnish what XXXX XXXX XXXX XXXX has furnished to them to report. XXXX reports the purging date to be XX/XX/XXXX and Experian reports the purging date to be XX/XX/XXXX. This is a two month difference. to my understanding according to 1681c ( c ) the running of reporting period begins on the date of the delinquency that led to the charged to profit and loss or collections, therefore there should be only 1 date of delinquency date in regards to the original creditor account. I have already requested the date of delinquency from XXXX XXXX  on XX/XX/XXXX tracking XXXX and I have yet to receive a response regarding my inquiry. XXXX XXXX received my letter on XX/XX/XXXX. Both XXXX and Experian have both verified as accurate this same account but still report different purging dates. I do not believe XXXX or experian are in compliance with 605 and 623 of the FCRA in which this is a Federal concern and Violation. if both agencies choose to report this one account, then both agencies are required to report the same accurate information. I understand XXXX and experian are two different entities and do not have the same exact fields reporting but that does not justify the reason why both agencies have verified as accurate the same account with two different purging dates. XXXX and Experian are manipulating the date of delinquency date that occurred with the original creditor by reporting two different purging dates. I do not believe reasonable compliance procedures are being conducted by XXXX and experian to assure my consumer reports are to the maximum possible accuracy before preparing me with results and a new report, which is another FCRA violation 1681e ( b ) accuracy of report. XXXX XXXX has denied they are reporting any inaccuracies with the consumer reporting agencies therefore the discrepancy of re-aging this account by manipulating the date of delinquency date that occurred with the original creditor because XXXX and experian are reporting two different purging dates is solely XXXX and Experians default and they refuse to fix this on going issue. XXXX and Experian should be held accountable for their illegal practices by failing to modify this one account to the maximum possible accuracy instead of deleting this inaccurate account. XXXX and Experian are verifying as accurate this account by using validity instead of verifying all reported information is 100 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
they have called me, emailed me numerous times trying to collect the debt. They have sent me letters stating that they we're suing if i did not pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT. 
XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Somebody stole my identity and used my information And did application for BARCLAYS BANK DELAWARE this was not 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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX saying my application was submitted to XXXX XXXX XXXX XXXX XXXX and it was declined. I did not apply for any loan and I also have a fraud alert on my credit report. No one tried to contact me via any forms of communication I have listed on my credit report to let me know someone was trying to use my credit. Instead they ran my credit and submitted me for a loan. I have tried to email and call XXXX, but there is no customer service phone number. The number I did find was no help at all. It was just an automated system. I reached Out to XXXX and told them this was a fraudulent application. They told me that they can only have the application in " identity theft '' status for 7 days. I'm on the phone telling the representative that I did not authorize this and she says that is there policy. I need for XXXX to take my personal information out of their system!! And now I have an unwanted inquiry on my credit report!! XXXX did not do their due diligience on verifying my identity. All they are concerned about is making a loan/profit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from NetCredit saying my application was submitted to XXXX XXXX XXXX XXXX XXXX and it was declined. I did not apply for any loan and I also have a fraud alert on my credit report. No one tried to contact me via any forms of communication I have listed on my credit report to let me know someone was trying to use my credit. Instead they ran my credit and submitted me for a loan. I have tried to email and call XXXX, but there is no customer service phone number. The number I did find was no help at all. It was just an automated system. I reached Out to NetCredit and told them this was a fraudulent application. They told me that they can only have the application in " identity theft '' status for 7 days. I'm on the phone telling the representative that I did not authorize this and she says that is there policy. I need for XXXX to take my personal information out of their system!! And now I have an unwanted inquiry on my credit report!! XXXX did not do their due diligience on verifying my identity. All they are concerned about is making a loan/profit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2023, between XXXX and XXXX Central time, an unknown person stole {$9700.00} from me. The perpetrator gained access to my online Bank of America account, changed my password and pin #, transferred {$9000.00} + $ XXXX ( {$11000.00} total ) between my two existing accounts, and then withdrew {$4800.00} + {$4900.00} ( {$9700.00} total ) in cash from a Bank of America location in XXXX XXXX, California at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, respectively. I filed two separate fraud claims with Bank of America ( Reg E transaction and Unauthorized withdrawal ), as well as identity theft with the XXXX XXXX police for an investigation, but my bank fraud claims were both denied shortly after they were made because the person had my pin #. This is absurd. I come from NY and am based in XXXX, TN, and have never stepped foot in XXXX XXXX nor have any family there ( or anyone who would have access to my account ). If the perpetrator was able to get into my account, then of course he would be able to hack into and change my pin #. To stop the perpetrator from stealing any more of my money, I withdrew my remaining money from my two accounts at the XXXX location ( {$68.00} + {$10000.00} ) and had the associate place balance holds on the two accounts, preventing money from being withdrawn. 

In addition to accessing my Bank of America account, this perpetrator also got into my XXXX XXXX account and temporarily transferred my phone line to his device, rendering me unable to stop him on the spot via phone call. I had to go to the closest XXXX, XXXX, TN Bank of America location ( XXXX XXXX XXXX, XXXX, TN XXXX ), which was where I learned the extent to which this was happening ( I could not get into my account prior because the perpetrator changed my password and pin, as stated prior ). All of this was happening while I was at the XXXX bank location ( XXXX XXXX was my associate ), and they would be willing to provide a statement if that can better my case. The fact that someone was able to go into a Bank of America location and withdraw money from my accounts acting as me is preposterous, as no one should be able to withdraw such large sums of money without a verified ID.

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 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Good morning to whom it may concern, I am writing as I have tried several times to receive an auto loan from Navy Federal Credit Union in order to purchase a new vehicle. I have been repeatedly denied credit and the main reason is because " I caused the bank a financial loss, '' by settling credit accounts that were charged off in order to purchase my first home in XXXX. I am confused as this is a federally insured bank that receives billions of dollars in annual revenue, but tell me they I will be denied credit because I caused them a financial loss. We live in times were it is harder to receive loans due to selfish lending practices from banking institutions. I feel as if this is in violation of the fair credit reporting act, and a form of discrimination. Because of this, I am afraid to attempt to request auto or personal loans from Navy Federal as I feel they are being discriminatory towards me as a consumer due to me settling those old accounts. 

Thank you for you time and consideration into this matter. 
Have a great day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation