vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
My American Express Statement closing XXXX XXXX  had a closing statement balance of {$9500.00} that was due on XXXX XXXX  to avoid an interest charge. I made a payment of {$9600.00} using a XXXX balance transfer check. This payment was posted to my XXXX account on XXXX XXXX, one day prior to the America express due date of XXXX XXXX. When I received my American Express Statement closing XXXX XXXX, I had an interest charge of {$300.00} for the XXXX closing amount. My XXXX payment was not posted to my American Express account until XXXX XXXX, one day after the due date that would have avoided the interest charge, even though American Express processed my payment to XXXX on XXXX XXXX. In addition, on my AMEX statement closing on XXXX XXXX, there was an additional interest charge of {$200.00}, even though my balance due had been paid in full. 
I've had several discussions with American Express in XXXX and XXXX to waive the interest charge, but they have denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: KY

Complaint narrative:
My name is XXXX XXXX XXXX and I purchased 2 money orders ( $ XXXXeach ) from a Western Union kiosk in XXXX or XX/XX/2023 however during transport to my house, I lost the envelope containing the money order and receipt. I returned to the kiosk where they provided me the order numbers I then contacted Western Union customer service via email requesting that they utilize the order numbers to investigate and refund the money orders. They said it takes 6 weeks to process but despite attempts to follow up, there has been nothing done to recoup my money. I've tried calling customer service but their automated systems say the customer service can not assist and directed me to refer to their email but still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
After asking them not to call. They have repeatedly called 5 times in a row and at all hours XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Collector : XXXX XXXX XXXX Im requesting that you validate the debt below. 
This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company. 
supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined? 

While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 

Thank you for your time and cooperation. 
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 explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Personal Information on Credit Report Dear to whom may concern, I am writing to dispute certain information on my credit report, as I have recently reviewed the report and identified inaccuracies that require your attention. The details in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Never lived here I request a thorough investigation into these discrepancies and kindly ask for the prompt correction of the inaccuracies. To support my dispute, I have enclosed relevant documentation, including [ provide a list of documents, such as proof of payment, account statements, etc. ]. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate my dispute within 30 days of receiving this letter. Upon completion of the investigation, I request that you provide me with a written summary of the results and a copy of my updated credit report. 

Thank you for your prompt attention to this matter. I trust that you will address and rectify the inaccuracies on my credit report at the earliest convenience. 

Sincerely, 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 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
I submitted SAVE plan application XX/XX/2023 which was received by Aidvantage XX/XX/2023. 
Dept of Ed guidance said we would make one small payment amount in XXXX before making SAVE plan payments. 
In XXXX there was no small payment due and SAVE plan was still not processed through Aidvantage. 
I called Aidvantage and automated message said SAVE plan applications were still being processed and no action was needed on my part. 
In XXXX XXXX, received notification that my loan was 4 months delinquent. 
I called Aidvantage and was told that my SAVE plan could not be processed because I did not make a payment in XXXX when payments resumed. I was also told by Aidvantage all SAVE plans could only be completed over the phone. I was told by Aidvantage that I would only be aware of this by calling them and speaking to a representative. 
My loan is now 4 months delinquent and Aidvantage has told me they can not process my SAVE plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: IL

Complaint narrative:
I am being charged for an alleged debt, and I never entered into a contract with XXXX XXXX XXXX  XXXX They are harassing me by communicating with me electronically using the medium of credit reporting agencies and reporting my social security number to these agencies as well. These acts are severely prohibiting my ability to access my own credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was recently released from XXXX XXXX and I made a XXXX XXXX account and noticed a number of accounts that were not mine. I have been in and out of XXXX since XXXX ( being released most recently XXXX of XXXX with a 5 year XXXX  ) and was incarcerated according to the dates the accounts were opened so I contacted all three bureaus verbally and in writing I submitted evidence of my XXXX, a police report, and an identity theft report, along with my ID showing I am indeed XXXX XXXX and that the dates of these accounts could not be mine due to my XXXX. I requested per 15 U.S. Code 1681c2 that the items be removed within 4 days and that the creditors be notified it was identity theft. They responded saying Valid. I then requested proof of the investigation because there is no way it was valid. I requested copies of applications, Identification, signatures and anything else associated with these accounts as well per 15 U.S. Code 1681d and was never responded to. 

The accounts are XXXX XXXX XXXX XXXX XXXX {$630.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$450.00XXXX XXXX XXXXXXXX Opened XX/XX/XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXX  {$290.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Opened XX/XX/XXXX My Identity Theft Report reference number is XXXX My Police Report Tracking number is XXXX I also submitted the same items attached to this complaint via mail with my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXX/XX/XXXX281 SW 715,719, I PRESUME that no proof of the alleged debt, in fact therefore exists. Also community first have not provided license to collect a debt in my state to collect any debt, furthermore I do not consent to ANYTHING being furnished on my consumer report. 

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 2024-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DriveTime
State: NC

Complaint narrative:
I, the consumer, in fact, XXXX XXXX, entered into a consumer credit transaction on XX/XX/XXXX   to purchase a XXXX XXXX XXXX my open ended consumer credit plan. I went to DriveTime where the vehicle was located. The finance company that extended my credit back to me was XXXX. Upon discovery, my Retail Installment Contract stated that the finance charge is {$17000.00} which this was told to me to be the interest in which I would be responsible for this was also a deceptive practice as the finance charge is what my credit will cost me via my consumer credit plan not my checking account I have with my personal bank. DriveTime also collected what was said " required '' downpayment in the amount of {$2500.00} which is and was prohibited by law under TILA 15 USC 1662. Under 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) DriveTime and XXXX are now liable to me, XXXX XXXX for double the finance charge. 
I was not given any forms to rescind the transaction under 15 USC 1635 ; however, I sent an email to DriveTime rescinding giving security interest to any and all parties to my vehicle purchased under the contract which was signed. DriveTime called me and said that I could bring the car back which is not equitable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Auto is reporting negative information on my credit report for an lease for my business which has nothing to do with me personally. They are reporting that I owe for a lease that the car a XXXX XXXXXXXX XXXX XXXX summit reserve was stolen with a police report. They have been reporting this for months even though I contacted them and stated it was stolen. They are refusing to help me get this debt off my credit report and threatened me multiple times they would ruin my personal credit for this when this lease was in my business name XXXX XXXX XXXX XXXX XXXX. They have now reported this negatively on my credit report and lowed my score significantly

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In XX/XX/, my identity was used to open a credit card with XXXX XXXX XXXX  XXXX. The thief then charged approximately {$1000.00} to the account. I opened a fraud investigation with XXXX and it was found that the account fraudulent. The account has been removed from my credit history. Even though XXXX has confirmed the account was fraudulent and has closed the account, the debt was still somehow sold to Midland Credit Management, who is now attempting to collect on the debt. They are trying to collect on a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I, the consumer, in fact, XXXX XXXX, entered into a consumer credit transaction on XX/XX/XXXX  to purchase a XXXX XXXX XXXX my open ended consumer credit plan. I went to XXXX  where the vehicle was located. The finance company that extended my credit back to me was Bridgecrest. Upon discovery, my Retail Installment Contract stated that the finance charge is {$17000.00} which this was told to me to be the interest in which I would be responsible for this was also a deceptive practice as the finance charge is what my credit will cost me via my consumer credit plan not my checking account I have with my personal bank. XXXX also collected what was said " required '' downpayment in the amount of {$2500.00} which is and was prohibited by law under TILA 15 USC 1662. Under 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) XXXX and Bridgecrest are now liable to me, XXXX XXXX for double the finance charge. 
I was not given any forms to rescind the transaction under 15 USC 1635 ; however, I sent an email to XXXX rescinding giving security interest to any and all parties to my vehicle purchased under the contract which was signed. XXXX called me and said that I could bring the car back which is not equitable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 non-monetary relief