vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I sent a letter regarding inaccurate and unknown addresses and incorrect payment history on my credit report. I have not received any response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I made a {$1500.00} ACH payment to Synchrony Bank ( Amazon Store Card ) on XXXX. This transaction cleared my bank XXXX. As of today, XXXX, the payment is not reflected in my available balance, affecting my utilization score. When I called, I was told it was " a security issue and my payment is on hold until XXXX. '' Large payments are always held the service agent said. This is outrageous. 1/3 of the month my score will reflect the higher balance/utilization. When I make four {$100.00} payments a week, it posts the next day!!!

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 2021-08-18 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
i purchased a XXXX XXXX ticket on XX/XX/XXXX for my wife using TJmax reward credit card. due to pandemic the flight was canceled more than one time, for that reason XXXX XXXX gave me two option either i can get refund or get Travel Voucher for 2 years of expiration period and additional {$60.00} add up to my ticket value. 
i choose to receive travel voucher up to 2 years expiration period. 
now XX/XX/XXXX, i choose not to travel so, that reason i called the XXXX XXXX about my refund on XX/XX/XXXX they said " you will get refund on your card which you use to buy the ticket, you just have to give us about 14 business days to receive a refund ''. i waited a month but still not receiving the payment.

i decided to call my TJmax credit card customer service, now they are saying that in my statement they did not see any transaction, i told them i still have copy of the ticket it's clearly showing that i made a purchased using the TJmax reward credit card because the last 4 digit of credit card number match and the other thing is i made a payment on my credit card from my checking account twice after i purchased a ticket, how did that happen? if i did not use your card to purchase a ticket? i have all the proof, while i was talking to TJMAX customer representative middle of the call she said i'm sorry we are having technical issue and then she hang up on me. after the call i talked to XXXX Airway customer representative she said the refund was made already.I NEED A JUCTICE!

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 2021-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc
State: MA

Complaint narrative:
I am filing a complaint with financial assistance in reference to a collection they are trying to collect for XXXX XXXX XXXX. I have already reported to them that this debt is a result of Identity theft and have been working with a fraud investigator names XXXX XXXX. I have sent in all of the documentation that was requested to resolve the fraud and get this account removed from my file, and to no avail have been able to get this matter resolved or even reveille a call back from them. 

I have attached all of the emails showing the prior complaint with CFPB which they lied and the emails with XXXX XXXX and I will show they mis lead me and the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am extremely stressed about this matter with Navy Federal Credit Union, as the consumer and natural person they are violating multiple federal laws and ruining my reputation. Congress says under 15 USC 1692d ( 1 ) - The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. This PAID Charge off has significantly damaged my reputation and caused me physical harm due to stress and has not allowed me to purchase a home because they keep furnishing information to the Credit Reporting Agencies, which congress says under 15 USC 1681 ( a ) ( 2 ) - An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. This account has damaged my credit worthiness, standing, capacity, character, and general reputation with lenders who pull my consumer report. Navy Federal Credit Union keeps telling me that there is nothing they can do about it, which is completely false because the Credit Reporting Agencies get their information directly from Navy Federal Credit Union, which is another violation to me as a federally protected consumer. Congress says under 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card which congress defines under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I never authorized Navy Federal Credit Union to use my credit card and has in fact been committing fraud and taking advantage of me because I the federally protected consumer has not received ANY benefit from this account in which Navy Federal Credit Union has been using my credit card for. I, XXXX XXXX give permission to all parties involved to investigate this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My ALLY Bank lease was terminated two months early to enter into a new Lease agreement. The Car Dealer Requested a payoff quote from ALLY Bank, this quote was supplied by ALLY Bank and was paid off by the dealer. A few months later I received a call from ALLY Bank that I owe {$110.00} dollars, which I refused to pay because the lease was terminated and ALLY Bank provided the Car Dealer with the Payoff amount. On principle I was never late within the 37 months of the lease. This erroneous info was sent to a collection agency. After six different dispute resolution attempts with the credit reporting agencies all failed, this item is on my credit report as a Charge Off and is negatively impacting my Credit Report at an in opportune time. I owe nothing to Ally Bank or any other entity with respect to this Auto Lease. I would like this negative item removed from my Credit History.

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 2021-08-18 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2021, I received a notification from the Capital One app indicating purchases had been made on XX/XX/2021. As I did not recognize these purchases, I first, check the website to verify the information where I found five fraudulent charges totaling {$550.00}. All charges were made on XXXX/XXXXXXXX between XXXX and XXXX in downtown XXXX. I live over XXXX miles away in the north suburbs. I immediately called Capital One to report fraudulent charges. The representative reviewed charges, closed the compromised card and issued a new card. I received confirmation letter from Capital One dated XX/XX/2021 but information was incorrect as only three charges were included. This was followed by a second letter dated XX/XX/2021 stating that no fraud was indicated and charges would be billed back to my account. I called on XX/XX/2021 to inquire about the reason for the decision since there was no information included. I was informed that the chip had been used for in-person purchases at all locations leading to the decision no fraud had taken place. Additionally, since the chip had been used, I was informed that this would become a dispute resolution. Not knowing the nomenclature, I assumed more investigation would be conduct. I also informed the representative that I had video evidence from my XXXX XXXX showing me at home during all timepoints the fraud was committed. Capital One provided a secure link to upload screen captures from videos which was completed on XX/XX/2021. Finally, I received notification dated XX/XX/2021 that part of my claim had been denied because I failed to initiate a return with the vendor. I can not initiate a return for merchandise I did not purchase nor am in possession of. At this point, I can only assume this will be the decision with all five fraudulent charges. 
On XX/XX/2021, I again contacted Capital One to provide explanation and relief. I was provided another secure link to upload information including screen captures from my video evidence showing me at home. This was completed on XX/XX/2021 along with a fax sent to number provided from letter dated XX/XX/2021. I am now in receipt of a letters indicating Capital One has closed it's investigation and charged my account for the fraudulent charges. 
Ultimately, this is a case of fraud and NOT dispute resolution. I can not return merchandise nor provide receipts for transactions that I did not make. Additionally, I have been told by Capital One representatives that fraud involving chipped cards being cloned, copied, or hacked is impossible. A simple XXXX search returns XXXX articles and XXXX XXXX videos indicating it is not impossible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Both XXXX as well as XXXX XXXX have violated my rights within the Fair Credit Reporting Act. They resubmitted debt on my credit report without any additional information provided. As protected under the FCRA section 611 I demand that this information be deleted from my report immediately. 

XXXX XXXX XXXX XXXX XXXX I feel that since the beginning of the pandemic, the FTC has not taken corrective action against creditors to protect consumer rights. Please protect my rights by deleting the following information from my 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 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian consistently refuses to provide the free annual credit as consumers we are entitled to receive. I have emailed them, filed complaints directly through their website and have received zero response.

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 2021-08-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

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 2021-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I sent a letter regarding inaccurate and unknown addresses and incorrect payment history on my credit report. I have not received any response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On or around XX/XX/XXXX I received an envelope from Cash App with a debit card in it. It was addressed to me at my home. I do not have a Cash App account so I believe someone opened an account in my name for fraudulent purposes. Over the next couple days I attempted to contact them via phone, only to find that it is literally impossible to reach anyone this way. 

Their website says to use their app to reach support, but I can not use their app without creating a Cash App profile. I am not creating a profile just to report that my identity has been stolen. 

The following weekend we received another Cash App debit card at our address ( this time without a real name ), which means at least two fraudulent accounts are linked to us. 

On or around XX/XX/XXXX I used the Square " contact us '' form to ask for help since Square is the parent company of Cash App. Square simply told me to use the Cash App phone app for support, even after I explained why I can't. Then they stopped responding to me. 

I saw that on their app review page, Cash App steers people to XXXX or XXXX for support. On XX/XX/XXXX I sent a XXXX DM to @ CashSupport asking for their help. I sent another later that morning, and another on the XXXX, XXXX and XXXX ( today ). They have not responded. 

It is EXTREMELY frustrating and stressful that I can not reach anyone there to report fraud. Whatever illicit activities these accounts are used for, Cash App has been willing to let that continue unabated. Meanwhile I am the one who will get blamed in the end, since the fraudsters used my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/1920 transactions cleared my account. USAA has a history and multiple complaints from myself about reordering the charges to bounce items they can charge NSF fees for. Even though the account remained positive that day, they said the available balance was low because of pending items and chose to bounce a {$58.00} check and ACH bill payment instead of any of the 18 other items they could not charge NSF fees on b/c they were debit. They easily could have declined any of the other 18 charges or said any of the other 18 caused the low balance, but instead bounced a check which causes long lasting problems for me. I implore you to look into the repeated complaints of USAA reordering items to maximize their fees as it unfairly causes financial strain and unjustified accusations of non-sufficient funds when I had the funds in my account that day to pay for my son 's school fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 Original Creditor : Bridgecrest XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file.The items I disputed on the attached copy of the report I received.The information on Bridgecrest Formerly XXXX  The Original Creditors processed a delinquent after my letter of a FRAUDULENT ACCOUNT it is a balances of {$460.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. This was processed on XX/XX/2021 the alert I.D is XXXX, the account number is XXXX. The industry type is Auto Financing, I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank your

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Mountain Run Solutions, LLC
State: PR

Complaint narrative:
This account does not belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory about this burean. 

1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation