vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
Upon viewing my most recent consumer report, I saw a XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This XXXX  claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX, I applied for my XXXXXXXX XXXX XXXXXXXX card because of the XXXX open card reward, after applying for the credit card online, I called the representative, and he confirmed that I would receive the XXXX K reward points in a few weeks. 

Fast forward to XX/XX/XXXX, I still didn't receive those reward points. In between XX/XX/XXXX to XX/XX/XXXX, I also called XXXX a few times to check the status of my reward points. They all told me i would get it in a few weeks. 

I called again in XX/XX/XXXX, but this time they told me there's no reward points for me. They didn't say why I couldn't get it! It was my XXXXXXXX XXXX card, I only had XXXX XXXX credit card before and i never miss payments, my credit score is great. After many phone calls and chats with them, I told them to listen to the previous phone call recordings, they finally told me i was getting those points in writing- in the chat. It was XXXX XXXX. 

Today, I still don't have it, I chatted with them again, but they told me I'm not getting my reward points. Out of all those credit card, I chose XXXX XXXX, and spent so much money on it. But they are dishonest, they lied to their customers, they have wasted so much of my time, I would never ever use another XXXX  credit card. I need my XXXX reward points, and I'm sure I'm not the only one who experienced this, hope this company get punished for doing that to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, AMERICAN EXPRESS used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. AMERICAN EXPRESS reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express American Express Assurance Company I purchased a product from Amex on XX/XX/23 for {$350.00} and did not receive the product. I have contacted them six times on XX/XX/23 and spoke to at least eight people ( representatives ) and they can not and will not help me. I contacted them via phone and the " chat '' feature online when logged into one of my accounts. I believe there is Fraudulent Advertising in their products/services which should be investigated. Because American Express owns the subsidiary company they are closing the door on my request for either the benefit or a refund. My only recourse is to close my two accounts and cease doing business with American Express after being a cardholder for over 20 years. I do not have words to describe my disappointment and frustration with American Express. I would appreciate any assistance your organization can provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Company charged me after account was called in for fraudulent activity. Wanted me to pay for fraudulent charges without contacting me back from a call I had with XXXX I was penalized for my wallet being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
In XX/XX/2023 I emailed Ally Bank, regarding my auto loan, asking for my payoff amount on my auto loan. Their customer service agents are bullies on the phone and not to be trusted. 
I received a letter, in the mail, from Ally dated XXXX XXXX, 2023. It gave me a payoff amount and further stated that it should be paid on or before XXXX XXXX, 2023. I paid this amount, in full, as instructed on XX/XX/2023. 
So I receive another letter from Ally dated XXXX XXXX, 2023. It states that I still owe on this loan account. 
Isn't the amount given in the first letter binding? Please see attachments below.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have repeatedly have been sending a XXXX letter to both XXXX and XXXX for the charge off accounts for XXXX XXXXXXXX XXXX XXXX to XXXX card and they have yet to remove these charge offs that have XXXX being sent and they fail to do the work to verify and then sent me letters saying they were verified when in fact these account have been deemed charge off and they have already been paid and I have been taxed on these accounts. I have repeatedly reached out and to no avail have they removed these accounts and how can an account that is considered income be reported and is against fcra regulations and violates the law set forth for these actions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
I have repeatedly have been sending a 609 letter to both XXXX and Experian for the charge off accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have yet to remove these charge offs that have 1099 being sent and they fail to do the work to verify and then sent me letters saying they were verified when in fact these account have been deemed charge off and they have already been paid and I have been taxed on these accounts. I have repeatedly reached out and to no avail have they removed these accounts and how can an account that is considered income be reported and is against fcra regulations and violates the law set forth for these actions

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 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was scammed on XXXX. So I did dispute the transaction first, and then after a few months chase charged me again. So I call them back to ask them whats going on. They told me that the scammer has provide the document to them saying that they did ship it out or something defer. Even till now I did not receive my expensive camera : ) and one of the claim team named XXXX told to me rudely saying that they are not customer service, and asking me not to call them call XXXX. Its third party teacsction. After a weeks, I call them. They say they already close the case. They are definitely waste my time! And helping scammer in the US to grow stronger. As you can see a single pic without investigate can took your 300 away. Most awful customer service and investigate team ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have a spousal consolidation FFEL through Navient with my husband as the co-signer. We opened account in XXXX, still married, and have been paying every bill until we were granted administrative forbearance in XX/XX/XXXX while we wait for Federal Student Aid to implement a way for us to separate our loans. Our forbearance has been extended 2 times, 60-days, and will come to an end soon. In our case, we have both worked at US public higher education institutions since XXXX, and we qualify for PSLF under the limited waiver that ended XX/XX/XXXX. We have submitted what we had to by the waiver deadline, and other have confirmation from Federal Student Aid that they have received what we needed to submit to them. 

In XX/XX/XXXX Federal Student Aid announced that the procedures regarding separating spousal loans will not be put into place until end of XXXX, and loan holders are encouraged to contact their servicer to obtain forbearances. Navient apparently created a company-wide policy for not allowing administrative forbearances for FFEL joint consolidation holder because Navient is waiting for a direct communication from Federal Student Aid. On the phone and through chat communications ( on XX/XX/XXXX ), Navient would not tell me what form of communication they are waiting to receive from Federal Student Aid, and when I asked whether they need communication regarding my account or a general communication they told me general communication. I have attached the chat transcript. 

I filed a complaint with the Federal Student Aid Ombudsman 's Office on XX/XX/XXXX, and they have already closed my case without communicating with me an outcome ( Feedback Case # XXXX ). I called FSA ombuds and they told me that my name is now on a special list, and that the information on https : //studentaid.gov/announcements-events/joint-consolidation-loans is the direct communication to loan servicers. 

It seems conversations between Navient and FSA are going into a never ending cycle, and as a consumer we are caught in the middle with the least power to move things in a manner to be treated fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
- XX/XX/12 XXXX -- I marked as unathorized, company did not respond - XX/XX/12 XXXX -- I marked as unathorized, company did not respond

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 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
In accordance with 15 u.s.c 1681-1684 I request that this account be removed immediately

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 2023-06-12 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: FL

Complaint narrative:
Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-06-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This XXXX  claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I have notified this debt collector of the illegal actions they have been taking in regards to my installment credit sale I created on XX/XX/XXXX. This company is still falsely reporting to my consumer reports thru XXXX, XXXX and XXXX derogatory information which is hurting me in finding a new home. I have sent a debt validation letter XX/XX/XXXX, XXXX in which they failed to send the correct validation of this alleged debt. On XX/XX/XXXX after over 90 days of them still inaccurately reporting I asked for the name and address of the ORIGINAL CREDITOR and have not heard anything back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 someone stole XXXX dollars out my account and the next day they took an additional XXXX thats a total of XXXX I wasn't aware until I tried to make a withdrawal of XXXX dollars It was declined I tried a lower amount of XXXX it was declined I tried a lower amount of XXXXit was declined by this time I leave the drive through atm and pull over and check my account to find out I only had XXXX dollars left to my name..I contacted the branch to inform them of what was going on they transferred me to the fraud department ... They stared there investigation and denied my claim I reopened the case and filed again and now Im denied again ... Ive been banking with them for years my income taxes and work checks have been deposited for years into this account.They tried to tell me that upon there investigation that didn't find any errors... They proclaim only XXXX can be witdawn at an atm but they allowed someone to withdraw XXXX out 18 times at one atm which should gave veen a red flag but no they allowed for another 1500 to be withdrawn a second time... I trusted this bank for years and now Im trusting you can helo me retrieve my funds...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I have a few accounts thats showing in my soft credit report when it was pulled and it is showing that it is open. But wen I called all XXXX credit bureau they said its showing on there end as closed and or charged off in full. Im requesting to get my report cleared and off my credit report so I can get ahead in life and make a future. I contacted the company but no responses. Im requesting to clear all open accounts thats suppose to be closed cleared and off my credit report. I will attach attach credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: 90 Day Credit Experts
State: FL

Complaint narrative:
I paid this company for a guarantee XXXX points in 90 days over 3 bureaus. I never had a person working on my account the same each time. The first guy sent the letters to remove things off my credit report and put a block on my social. Thats was the extent of what they did. So I asked to cancel. They tried to make every excuse why not to cancel but yet I never got a 60 day or 90 day update they just sent me a text who the new person was that month. A man named XXXX XXXX called me and told me he was working with 90 day credit experts and they agreed to cancel my contract if I paid a fee in which I did. I also received an email from him telling me my contract was cancelled and the account removed from my credit report. That was XX/XX/XXXX. Today I received a text from a collection agency telling me 90 day credit experts gave my account to them. I called and told them I was told my contract was cancelled after paying the fee and sent them the email. Then reached out to XXXX XXXX and he told me the same my contract was cancelled. The manager at XXXX named XXXX called me back and told me that my contract was never cancelled with 90 day credit experts that it was only cancelled with denefits who apparently are the people that take the payments. I called XXXX back again and he told me that is not the case but then his tune got a little different not really telling me what I paid to cancel. He is still sticking with the story its cancelled. 90 day credit experts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I do not know who this collection agency is not have I ever done business with them or been lent any way by this agency for me to owe such debt nor do I agree with this debt on my report as I have never signed anything with such agency. I have told them to not contact me about said debt because I do not owe it yet they still report this debt on my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: PA

Complaint narrative:
There was a collection account that was placed on my credit report from Penn Credit in XX/XX/2023. I did not have any prior acknowledgement of the debt by phone or a letter in the mail. When I called and spoke with a representative in XXXX, I asked for a validation letter to verify the debt. It took them over 2 months to send the envelope in the mail and when I opened it, it was a complete different persons information. I called when I received the information and was disconnected with no call back. When dealing with individuals personal information the employees should be careful on where they're sending information.

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