vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/2021 called and routed through multiple phone options that went round to the same prompts for 20 minutes. There is no option to speak with an operator or representative at phone number, XXXX listed on the back of the " Chime Bank '' Visa Debit card. That account is the one I continue to close, yet when I call to verify it is still open. 

Representatives at their 'bank ' are not verse in the 'banks ' practices and the 'manager ' aren't either. It make me not confident in their objective to function as a monetary facility. 

Chime Bank is using a nefarious avoidance activity to continue to keep this account open. I do not want to do business with, " Chime " Bank '' ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am who I say I am. I am XXXX XXXX and this is not a third party. I have notice some incorrect and fraudulent information on my credit report public information. I have noticed Chapter XXXX bankruptcy reference # XXXX reporting. I have never filed bankruptcy and do not recognize this public record. I have sent off a letter to the bankruptcy court around XX/XX/2021. I received a response back from the court stating that they were not able to locate a file that belongs to me. The letter also stated that the bankruptcy court does not report to the credit bureaus. 

I believe my consumer rights to privacy have been violated by reporting this public record I also believe another FCRA violation has occurred.

15 us code 1681b ( 2 ) this information was fished out and I did not give permission for this information to be furnish.

and last 15 US code 1681i Procedure in case of disputed accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: VA

Complaint narrative:
I contacted XXXX to find out why my insurance rates increased. I was told that the increase was the result of information contained in LexisNexis report. I was instructed that a report could be downloaded from their site for me and my spouse. I submitted my requests via their site and was sent notification by mail to access my information with certain required PINs. The information and PINs received were for both myself and my spouse. We attempted to login using the provided information/PINs and no luck. 
I attempted to contact LexisNexis via phone in XX/XX/2021 but had zero success. I emailed LexisNexis originally on XX/XX/XXXX and a follow-up email was sent XX/XX/XXXX with zero response from the company. I submitted a XXXX XXXX XXXX  complain on XX/XX/2021 and have heard no response from the company. 
I have not received any correspondence from LexisNexis on what they reported to cause increase in my insurance premiums.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had serval store credit cards with Comenity Bank with Balances no more than XXXX. because of covid 19, I had my work hours reduced last year around XX/XX/2020. I called the bank and got enrolled in a Hardship program wich they were collecting automatic payments from my checking account. around XXXX or XX/XX/2020 I received a letter saying that I failed to pay and got me off the program raising my accounts with late fees a higher balances they lied I never failed to pay they send me letters for each account. I called and talk to a customer service and explained what had happened and she said if I don't pay all the accounts will go to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX is False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : Us SM BUS ADMIN ODA ( XX/XX/XXXX ). 
XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX. 
I did not authorize anyone employed by these companies to inquire and view my credit report.This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights.Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation.In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-07-18 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: MD

Complaint narrative:
XXXX XXXX is False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.

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 2021-07-18 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: MD

Complaint narrative:
XXXX XXXX is False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.

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 2021-07-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I paid off my lease with a certified bank check on XX/XX/2021 and the check was cleared on XX/XX/2021. Since then, Ally Financial has not sent me anything. During multiple calls on their Customer Support ( XXXX ) line they said that the documents will be sent to me. They also provided a number for Ally Remarketing Department, XXXX. I spent total 5hrs+. trying to talk to somebody who could help. The line is a dead end. 
In Michigan, the lender must notify the secretary of state within 15 days of receiving a final payment. 
Three weeks after they received my payment, I had received nothing from Ally. By definition A lienholder is a lender that legally has an interest in your property until you pay it off in full ''. They received my money and have no legal interest in my car as a lienholder anymore. The amount of time to process the payment and release the title is way beyond reasonable since a processed transaction means the bank has verified the transaction amount and has adjusted the funds accordingly between the bank accounts used.. 
Ally Financial is seizing my title hostage violating my rights to sell the vehicle. I do not owe a penny to Ally and still can not sell my car. Ally Financial does not send me anything ( lien release, buyout package or the title ). They do not refuse to send the documents ; they just simply do not send them. 
I have been unsuccessful with getting anything directly from Ally Financial. I hope that the CFPB will assist me with this matter, Ally Financial honors the agreement and releases the title to the vehicle.

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 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC
State: SC

Complaint narrative:
I the natural person XXXX XXXX received a letter from Credit Control that I owed a debt of {$16000.00}. I have never done any business with Credit Control and according to the FDCPA these are violations to my consumers rights. I have a written down the violations and mailed an invoice of {$1000.00} for each violation which is my right according to 15 USC 1692k civil liability.

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 2021-07-18 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: CA

Complaint narrative:
I am a victim of identity theft and have tried to have these reports removed from my credit report. I have not been successful and need assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I sent a 609 letter to XXXX on XX/XX/XXXX which was 30 days ago.Still no response.I also sent a letter to IC systems stating this account was paid which was closed XX/XX/XXXX and didnt know why this debt of {$360.00} was put on my credit history XX/XX/XXXX.They put this on my Credit Report without any warning or action to respond.I will like this negative item off my account which is the only negative item on my account and I been having a great pay history for that last 3years without any negative items.

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 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX allowed someone to open a fradulant account Using all of my personal information with out verification. I notified them of this and filed police reports. they turned my account over to Sunrise credit who has been reporting this since XX/XX/2019. They refuse to remove this from my proflle.

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 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am who I say I am. I am XXXX XXXX and this is not a third party. I have notice some incorrect and fraudulent information on my credit report public information. I have noticed Chapter XXXX bankruptcy reference # XXXX reporting. I have never filed bankruptcy and do not recognize this public record. I have sent off a letter to the bankruptcy court around XX/XX/2021. I received a response back from the court stating that they were not able to locate a file that belongs to me. The letter also stated that the bankruptcy court does not report to the credit bureaus. 

I believe my consumer rights to privacy have been violated by reporting this public record I also believe another FCRA violation has occurred.

15 us code 1681b ( 2 ) this information was fished out and I did not give permission for this information to be furnish.

and last 15 US code 1681i Procedure in case of disputed accuracy

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 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am who I say I am. I am XXXX XXXX and this is not a third party. I have notice some incorrect and fraudulent information on my credit report public information. I have noticed Chapter XXXX bankruptcy reference # XXXX reporting. I have never filed bankruptcy and do not recognize this public record. I have sent off a letter to the bankruptcy court around XX/XX/2021. I received a response back from the court stating that they were not able to locate a file that belongs to me. The letter also stated that the bankruptcy court does not report to the credit bureaus. 

I believe my consumer rights to privacy have been violated by reporting this public record I also believe another FCRA violation has occurred.

15 us code 1681b ( 2 ) this information was fished out and I did not give permission for this information to be furnish.

and last 15 US code 1681i Procedure in case of disputed accuracy

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 2021-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Roadrunner Account Services, LLC
State: MA

Complaint narrative:
Roadrunner Financial , Inc. is acting ill will towards, I, the consumer. They are acting adverse towards I, the consumer, in fact natural person and original creditor. Please see exhibit A and B for proof of violation.

Pursuant to 15 USC 1605 ( f ) Credit is the right granted. A right. A right can not be denied because there is no such thing as denying rights to a consumer.

Additionally, they are in violation of 15 USC 1692c ( b ) and 15 usc 1691 ( a ) ( 3 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX Report dated XXXX is outdated : We no longer have a mortgage and it states we have one XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported Balance {$170000.00} Debt-to-Credit Ratio 94 % Balances on Revolving Accounts have been paid down and are not correct. 

XXXX XXXX XXXX Reported Balance {$4600.00} is incorrect XXXX XXXX XXXX Reported Balance {$4900.00} is incorrect

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 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I the natural person XXXX XXXX received a letter from XXXX XXXX that I owed a debt of {$16000.00}. I have never done any business with XXXX XXXX and according to the FDCPA these are violations to my consumers rights. I have a written down the violations and mailed an invoice of {$1000.00} for each violation which is my right according to 15 USC 1692k civil liability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
I have argued numerous times that XXXX/Sallie Mae Tuition Answer loan was discharged as part of my 2017 chapter XXXX bankruptcy ( see attached ). They have collected monthly payments since then as part of the charge off, they have been reporting my account as late each month since then to the various credit agencies even though Ive been paying their agreed upon monthly payments. As per a number of recent cases, it has been determined that in fact the Tuition Answer loans were dischargeable. 

The rulings state ( excerpt summary ) : The sole question is whether the student loans constitute an obligation to repay funds received as an educational benefit, since Navient didnt argue that the student loan fell in either the first or third categories. 

The court embarked on an analysis of stautory interpretation of the U.S. Bankruptcy Code to determine the underlying meaning of the operative words in the text. 

The term educational benefit is undefined and potentially vague. The court concluded that the terms should be interpreted in light of its listed companions, suggesting educational benefits means conditional grant payments similar to scholarships and stipends. Since scholarships and stipends generally dont have to be repaid, the plaintiff in this case isnt required to pay these private student loans. 

FURTHER, the below was mentioned : Sallie Mae XXXX XXXX loans are considered non-qualified student loans, which means they are eligible to be XXXX through a bankruptcy. These loans are above the cost of attendance to help students have money to live on while they go to school. 

If you have a Tuition Answer student loan discharged in bankruptcy, but Sallie Mae or its representatives attempt to collect on these same loans after the bankruptcy, those collection attempts could be in violation of federal bankruptcy laws. 

The Fair Debt Collection Practices Act ( FDCPA ) prevents lenders and debt collectors from trying to collect on debts that have been discharged in a bankruptcy.

If you have had a Tuition Answer Student Loan discharged in a bankruptcy, but the debtor or its representatives continue to try to collect that money from you, you could be deserving of compensation for violations of the FDCPA. 

When you file bankruptcy, you are protected by law from the borrowers of the loans that have been discharged. They can not make future attempts to collect on debts that have been discharged. Lenders and debt collectors can be held liable for willful violations of the bankruptcy discharge order if they continue to harass you to collect payment.

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