vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-23 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: PA

Complaint narrative:
On XXXX an account was opened in my name from XXXX XXXX XXXX XXXX Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX  with a open balance of {$640.00}. XXXX starting this claim to have this account disputed and removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have had a Kohl 's store card for years, and Kohl 's recently decided to change this to a Rewards Visa through XXXX XXXX automatically. There is a fundamental difference between a store credit card and a XXXX card that can be used anywhere, and I did not accept the risk associated with a XXXX card when applying for this store card. I spoke to two people at Kohl 's Credit and two at XXXX XXXX and none of them could tell me why or how I was selected for this change, only that my store card was no more. However, XXXX XXXX was keen to tell me that this was an " upgrade, '' and I could now use the card anywhere. 

Additionally, there is no indication on Kohl 's credit website that there was a transfer or that there would be a new way to log in. This prompted me to have issues logging in, as my account was no longer in the old system. Again rather than advise about this when attempting to get in, it kept locking the account, so I called in only to be advised of the change and redirected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act accounts XXXX XXXX XXXX, XXXX XXXXXXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  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 2023-07-23 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: CREDIT ACCEPTANCE CORPORATION
State: NM

Complaint narrative:
In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2023-07-23 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: NM

Complaint narrative:
In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XXXX of 2023, I tried to make a payment ( s ) to my capital One account ( s ) and my bank ( for what ever reason ) declined the payments. Capital One closed both of my accounts, with out informing me, Then they keep trying to charge me for those accounts and hurting my credit score. when they closed my accounts i had a total debt of around {$500.00}, and now have raised the debt to {$1200.00} for no reason. They keep charging me for a service they refuse to provide. I can not pay in good faith for a service they will not provide. After numerous attempts, Capital One refuses to assist me to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Back in XX/XX/2023, I made a purchase for a XXXX, TX hotel through XXXX XXXX  and decided to pay via Affirm. However, I ended up cancelling the trip, to which XXXX agreed to cancel. I received numerous emails about missing a payment, to which I called Affirm to have this resolved so that this does not impact my credit score or borrowing power. Attached is an email I received from the representative I spoke with on the phone where she indicated that I provide evidence of the cancellation. I provided the receipt of that transaction in response to her email, to which I continue to receive messages about the missing payments. Their emails indicate that you can reply back ( seen at the bottom of the second email ), though this is not the case ; emails are not read when replying to automatically generated emails. The most recent email about a missing payment is also included in the attachment, with a blank page separating the two email messages. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have Bank of America Visa credit card. As part of my benefits I can get reimbursed ones pe year to apply for XXXX XXXX XXXX for me and my wife. By the end of this year my wifes and my XXXX XXXX  Cards will be expired, and I decided to renew both cards. To verify my benefits I called Bank of America customer support, and person confirmed that I and my wife will get reimbursed for XXXX XXXX Cards renewal. After I completed renewal online, I received reimbursement only {$100.00} for me, but not for my wife. I called Bank of America customer support and after being on hold and selecting all options to connect to the right representative for almost 45 minutes, I finally spoke with XXXX representative. Thank conversation was absolutely useless since did not know the issue and forwarded my call to U.S. Customs and Boarder Protection hotline. I could not understand how U.S. Customs and Boarder Protection office can help me with Bank of America credit card rewards benefits. I called back and spoke with XXXX representative. At least he was some how helpful, and created case number to escalate this matter. A week later, after I did not receive and feedback from Bank of America, I call the again and spoke with another representative. Unfortunately, representative told me that my refund was denied because I have only {$100.00} refund per year. I explained to her that I was given false information then I call to verify coverage. I told her if I knew I have a limit, my wife has her card from XXXX XXXX with the same coverage, and I would use my card for myself, and my wife will use her card for herself. It was impossible to get through her and later through her manager. They bot did not have any empathy and willing to help and resolve this issue. It was like hearing pre-recording message We Decline your claim. I told them I have checking account, Visa Card and HELOC account with Bank of America, but now I may look somewhere else when my next cycle to renew my Visa card, and I will move to other banks who treat their customers with dignity and respect.

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 2023-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My husband passed away on XX/XX/2023 and I reported his death to Social Security on XX/XX/2023. I was informed at that time that he was entitled to his final Social Security payment of {$1200.00} which would be transferred electronically to our joint savings account on XX/XX/2023. My husband was born on XX/XX/XXXX. I noticed that the deposited social security funds were on hold and asked the bank why. " Social security can ask for the money back and therefore the hold. '' I had my final interview with Social Security on XX/XX/XXXX and asked them about the hold. They told me the bank should release the funds immediately and off to the bank I went again. After some run around I got the branch manager who told me this is standard procedure. Social Security has 180 days to ask for the money and the bank can't just send the money back if Social Security asks for it and there are not sufficient funds in the account, therefore the hold.I could of course ask Social Security to send a letter stating that the bank should release the money but good luck on that one. She said by the time you will get that notice the money will be released. The bank just released the funds XX/XX/2023 but it shows on the account like it cleared on XX/XX/2023. 
Now I am in the fortunate position that I did not depend on that money but it me made realize several things. If this happens to me it must happen to thousands of Americans. No interest is paid on the money the bank is sitting on and as far as I know they can float it freely for 180 days. What a nice way to get free money for them to play with and make money on. Something is terribly wrong with this process. It doesn't help the person who has just lost a loved one and is dealing with the aftermath of that. For many the loss of the loved one means loss of that social security income as well. And for the bank to be able to sit on that money for 180 days is just absolutely disgraceful and a financial slap in the face. This needs to be fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BLINCLOANS, INC.
State: MO

Complaint narrative:
I fell behind in my loan due to personal issues and me being a XXXX  mom of XXXX I was notified by the company that I can renegotiate my loan which is XXXX and they will take XXXX XXXX my loan which would be about XXXX I went to apply for the renegotiate and tit still showed my current loan of XXXX without the XXXX XXXX and they were charging me XXXX in Finiance charges which brought the total to XXXX to pay off I called the company to explain to them my calculations how was it that much when my annual rate is XXXX XXXX she didnt say anything until I acknowledged that it was predatory lending and I will be reaching out to file a complaint she then said dont do that it was just a system glitch and that my loan will be XXXX I asked her what the financie charge will be she wouldnt give me an answer said a supervisor would be calling me no one ever reached out I received an email saying my account was past due XXXX which its not only XXXX and wanted me to pay immediately they have now been sending me invoices telling me to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters Never has this paper work showed that this Debt is my Debt the only thing they have is paper work that has paper work with a name typed that says, XXXX XXXX I have ask them to Provide me a copy of my Signature They have sent me a 8 pages of Documents But NO Signature I am sending in this Request one last time to Remove This From my Credit Report I will Also Be contacting The Attorney General Office about this matter as well XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: PA

Complaint narrative:
On XXXX an account was opened in my name from XXXX XXXX XXXX XXXX Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX with a open balance of {$640.00}. Iam starting this claim to have this account disputed and removed from my credit.

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX an account was opened in my name from XXXX XXXX XXXX XXXX Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX, with a open balance of {$640.00}. Iam starting this claim to have this account disputed and removed from my credit.

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 2023-07-23 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I opened an account for a XXXX Credit card in late XXXX ( XXXX I think ). Credit limit was {$8000.00}. In XXXX " XXXX, I was diagnosed with XXXX XXXX. I had to go to XXXX XXXX XXXX for best treatment. 

Being away from my residence in XXXX, Wa,. it was easy to forget I even had this card, as, I normally rely on mailed bills. 

I fully admit the oversight, of less than {$100.00} in XXXX of XXXX. If you would care to examine the rest of my payment activity, it is unblemished. 

It been over XXXX since these, one of a kind, occurrences and my XXXX score is still about XXXX below its typical value. 

This event needs to be removed from my record post haste as the XXXX score should be much more holistic and not allow a single event out of 15-20yrs decrease my score by XXXX points. 

Thank you for your attention to this matter.

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 2023-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: MD

Complaint narrative:
I have a car loan with XXXX XXXX for the past XXXX years and have been requesting a amortization schedule or the ability to view my account monthly as far as how my payments are being posted ( as far as interest and principal payments ). In the last 6 months I have requested this info 4 times and have yet to receive any useful information. I am told by customer service they send the info to my email address each time and I have not received anything from them. The website only shows the current balance and I feel that balance is not correct since I paid XXXX extra in payments over my monthly payments that I am not sure have been posted. Also, the balance that shows changes daily ( customer service says because interest is accrued on a daily basis. ) The only thing that the website is good for is making payments and looking at a balance that might not even be correct. 

I feel that a detail copy of your account should be something that the customer should not even have to request from them. After I got this loan I have read so many negative things about this company that I just want to be able to monitor my payments and try to pay it off as soon as I can. Also, my account number has been changed but I was told by customer service not to use the new account number. Question? If it is not the number I should be using then why was it changed? No one seems to be able to answer that question? I'M JUST SAYING!!!!!!!!!!!!!!

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 2023-07-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/2021 an inquiry was placed on my credit. I did not authorize my credit to be used or ran.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$31000.00}. 
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Also it shows us {$290000.00} as original charged off that is inacurate info and should be deleted inmediatly Under the law inacurate info should me remove. 
Can you proof that I owe XXXX US Dollars?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I do not owe this amount. In fact, DRS owes me credit balance. I pay as ordered per wage attachment and order on arrears. See documents as attached. MUST be removed from credit report files ASAP. Please confirm.

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to dispute inaccurate and inconsistent late payments on my auto loan with Ithink Financial, as reported on my credit reports by XXXX and TransUnion. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account. I have not received the requested bank statement/ledger from the lender to show dates of payments. 
TransUnion is reporting 30 day late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 day late payments reporting : XX/XX/XXXX XXXX is reporting 30 day late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 day late payments reporting : XXXX, XXXX XX/XX/XXXX See XXXX credit reporting info I understand my rights under the FCRA and the duty of credit reporting agencies to conduct a reasonable investigation into disputed items. I also expect that any information found to be inaccurate, unverifiable, or incomplete will be promptly removed from my credit reports. 
Given the importance of maintaining accurate credit information, I request that you address this dispute as promptly as possible. Timely resolution of this matter will enable me to maintain a fair credit standing. 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
for years i have been battling XXXX and federal student aid about a loan discharge that i am well qualified for in more ways than one. 
on XX/XX/2023 i received a letter from fed student aid stating that the discharge had gone through and it would be removed from my credit within 90 days. i called them, and some rude lady told me i had to call XXXX so i did. i also sent them a copy of my approval letter. 
on XX/XX/2023 XXXX sent me a letter that it would be resolved within 90 days, that time expired on XX/XX/2023 on XX/XX/2023 i submitted a complaint with CFPB on XX/XX/2023 they responded with a claim that they are waiting for approval from fed student aid. i already sent that approval in XXXX 
ive attached all the letters... time is up, fix this issue.

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