vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-30 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:
XXXX XXXX is violating my consumer rights. They violated my privacy and committed fraud by receiving my personal information from another party and attempting to collect an alleged debt which I do not owe. They have then furnished my information without consent and defaming my character with this negative account.

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 2021-10-30 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:
XXXX XXXX is violating my consumer rights. They violated my privacy and committed fraud by receiving my personal information from another party and attempting to collect an alleged debt which I do not owe. They have then furnished my information without consent and defaming my character with this negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery is violating my consumer rights. They violated my privacy and committed fraud by receiving my personal information from another party and attempting to collect an alleged debt which I do not owe. They have then furnished my information without consent and defaming my character with this negative account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Bank using the Care credit and Discount tire auto card starting charging interest on non-promotion items even though I called in to have the funds I paid reallocated to the non-promotion items. Meaning they have been charging interest when they should not have been. 

I have been waiting since XX/XX/2021 for their XXXX  department to call me and every time they email me regarding the account I state the same thing. 

Synchrony Bank under XXXX automatically pays non-promotion items and the rest of the Synchrony bank should do the same. The customer should not have to wait in hold every month for Synchrony Bank to re-allocate the payments the customer made. So the the customer doesn't get interest charges.

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 2021-10-30 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: Duvera Billing Services, LLC
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the lists of the erroneous account reporting on my credit report : DUVERA BILLING SERVI XXXX Balance {$1200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW Financial has failed to provide material disclosures regarding this consumer credit transaction. BMW Financial has failed to provide documentary evidence for this consumer credit transaction. BMW Financial has not provided detail regarding whether they have resold my promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was using XXXXXXXX mobile application and play some online game for amount deposited i use my chase credit card as they accept all types and all bank card. And I made several transaction in past month And i see today for all truncation they charge me cash advance transaction fee and interest cash advance fees for almost XXXX $ each transaction. And they didn't notify anything bank say the transaction process by merchant were cash advance. when i talked to merchant they said they processed as regular transaction and there should not be any additional fee they are charging or bank should charge. And i called bank twice and explain they situation to dispute the transaction but they are not listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
My initial creditor or lender was XXXX  XXXX. 

I had taken the loan from XXXX  to help with a financial hard time I was through. 
After falling behind on the payment, the loan was to National Credit Adjuster for collection. 

From that moment they started harrashing and abusing me with excessive phone calls. 
It was frustrating, and painful, and very XXXX  even to hear the phone ring. 

They HAD ALL THE TIME NECESSARY TO PRESSURE ME TO MAKE PAYMENT BUT AFTER I PAID OF THE LOAN IN BACK IN 2018, THEY NEVER UPDATED THE ACCOUNT ON THE CREDIT REPORT. 
THEY LEFT IT OPEN. 
I CALLED THEIR PHONE NUMBER SO MANY TIMES TO REPORT THE ERROR AND NEVER GOT A RESPONSE ALTHOUGH VOICEMAILS WERE LEFT. 

I ended up submitting a complaint here against and that's when someone finally contacted and again, I explained the problem and even sent screenshots just as they requested. 

They never got back to me after that and no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My vehicle loan is thru XXXX. They are reporting the loan as open and current however Equifax continues to report this loan as Closed. The issue started about 6 months ago. I would dispute and it would get corrected, however it has now been reporting closed since XXXX 2021. XXXX has tried to get it corrected but the issue remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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:
XXXX XXXX XXXX is violating my consumer rights. They violated my privacy and committed fraud by receiving my personal information from another party and attempting to collect an alleged debt which I do not owe. They have then furnished my information without consent and defaming my character with this negative account.

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 2021-10-30 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:
XXXX XXXX XXXX is violating my consumer rights. They violated my privacy and committed fraud by receiving my personal information from another party and attempting to collect an alleged debt which I do not owe. They have then furnished my information without consent and defaming my character with this negative account.

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 2021-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX  XXXX  XXXX, I spoke with XXXX XXXX XXXX after finding out that I had a debt collection on my credit report. I wasn't notified about this issue via email, mail, or anything. I then reached out to find out what is going on, and why I was not notified by XXXX XXXX to prevent this from reaching my credit report. They confirmed they sent it to an address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I advised them that was not an address I have lived at since XXXX. They then said, " Well, we have a XXXX XXXX XXXX XXXX, AZ XXXX on file ''. I advised them that I never received that whatsoever. ( On XX/XX/XXXX, I reached out to the Postmaster to get a copy of all the mail I have received for 1-year. XXXX XXXX is nowhere on the mail report showing them ever sending me a letter. ) I proceeded with a friendly conversation to ask them how can we get this handled right away and get it removed. They neglected to say anything, so I then threw it out, " What if I pay you in full right now? Can we get it resolved? '' They responded, if you pay it today, we will update the credit report to reflect a XXXX balance immediately. I asked them if they verified this information before they posted it to my credit report. They said they didn't have to as of yet because it wasn't requested. They then said, After the payment has been posted for 30 days it would be removed. I asked for that in writing before I pay the bill, they refused to do so until I paid. So, I paid the bill to prevent myself from being homeless because their line of credit is what is preventing me from buying or renting a home. I am attaching the letters that were sent to me and the information. I would like XXXX XXXX to be Shutdown due to this exact issue. For being deceptive, misinforming, and not providing required notification prior to all this occurring. 

On XX/XX/XXXX, I reached out to XXXX XXXX to address this issue and they refused to do anything and said, " I have no knowledge of this phone call and I will document your call and that's all I can do! '' I spoke to a XXXX XXXX XXXX. After that, I became irate. This company has lied, posted inaccurate information to my credit report, and never properly notified me of the issue to prevent it from getting on 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 2021-10-30 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: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: SC

Complaint narrative:
I am writing to dispute a fraudulent charges on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: TX

Complaint narrative:
XXXX, I was approved for a line of credit for XXXX XXXX CREDIT CARD SERVICES. XXXX XXXX CREDIT SERVICES failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX CREDIT CARD SERVICES is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX CREDIT SERVICES defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. XXXX XXXX CREDIT SERVICES is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX CREDIT SEVICES contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX CREDIT SERVICES with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to 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 2021-10-30 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: TX

Complaint narrative:
XXXX, I was approved for a line of credit for XXXX XXXX CREDIT CARD SERVICES. XXXX XXXX CREDIT SERVICES failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX CREDIT CARD SERVICES is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX CREDIT SERVICES defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. XXXX XXXX CREDIT SERVICES is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX CREDIT SEVICES contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX CREDIT SERVICES with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial has failed to provide me all documentary evidence and material disclosures related to this consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
Today, XX/XX/XXXX, I received a letter via USPS from a debt collection company demanding payment for a debt which was discharged in XXXX via chapter XXXX bankruptcy by the United States Bankruptcy Court for the XXXX District of Virginia, in XXXX, VA. 

This company is harassing me by fraudulently attempting to collect this debt. 

Here is the information for the offending company : Suburban Credit Corporation XXXX XXXX XXXX XXXX, VA XXXX The debt listed is tracked by their internal account number XXXX. 
It references a medical debt which was discharged on XX/XX/XXXX. 
The last 4 digits of the original account number were XXXX. 

The specific debt is referenced on the attached documentation for my chapter XXXX filing on page 20 of the PDF. It is listed in section 4.7 of Form 106E/F.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: GA

Complaint narrative:
XXXXm a victim of identity theft. The information listed below which appears on my credit report doesnt relate to any transactions that i have made. The following items are fraudulent 1. XXXX XXXX XXXX Acct # XXXX {$350.00} 2. XXXX XXXX Acct # XXXX {$1500.00} 3. XXXX XXXX XXXX XXXX Acct # XXXX {$1800.00} Ive sent multiple request to both Equifax & XXXX they both continue to ignore me and refuse to do a proper investigation. Please see attached FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We received statement from bank of America stating the they are not going to pay us back remaining {$8000.00} because we suppose to report the stolen money within 2 months.Reason delaying the report : We did not recognize the the stolen money until the first part of XXXX because we did not receive the bank statement in XXXX, Some one directed our mail to different address ( made a report to post office. believe they have a record ). 

We do not know the rules and regulations of banking but always understood savings account in the bank is safe and insured. 

Your help will be greatly appreciated. 

Many thanks. 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 2021-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was victim of identity theft and I lost everything

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 2021-10-30 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: SC

Complaint narrative:
I am writing to dispute a fraudulent charges on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf.I have a loan with FEDLOAN. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Below is the account that is reporting on my Credit Report : FEDLOAN XXXX Balance {$0.00} Date opened XX/XX/ 2000 2000

Company response to consumer: Closed with explanation