vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 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: NC

Complaint narrative:
Became aware of account with XXXX XXXX XX/XX/2022 - Submitted a identity theft fraud affidavit to the federal trade commission report number XXXX. 

Item still remains 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 non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AL

Complaint narrative:
Enhanced recovery places collection on credit for an account that belonged to XXXX XX/XX/22 I reached out to enhanced recovery asked for original contact with wet signature and proof that they bought the debt I have not received any information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My name and info was used to name me as a co-signer for student loans of which I am not responsible for. I submitted a dispute to Navient including a police report for identity theft and various other proof that shows the application was fraudulent. Navient states that identity theft did not play a role in the making of the loan which is clearly erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have been facing a series of challenges with your Capital One Venture card since opening the account in XXXX. Despite several attempts to receive the card, me and my authorized user had difficulty receiving it due to an incorrect address on file. Once I began using the card, my partner 's account was compromised, leading to the need for new checks, account numbers, and cards. In addition, I switched banks from XXXX to XXXX due to a lack of physical XXXX locations in your area. 

Unfortunately, Capital One then restricted all of my accounts with them due to an old account number saved for payments that had not been updated, causing payments to be returned. You attempted to provide documentation and proof of your current account, but Capital One required a statement within the last 90 days, which was not possible as your account had been closed, and you had opted for paperless billing. Despite notifying Capital One, they insisted that the only way to unrestrict your account was to provide the requested documentation. But they have no issues with taking my money from my updated account and still giving me no service. 

To make matters worse, my account has been subject to unauthorized fraudulent transactions that have reached their limit, and Im are still making monthly payments for these transactions. Even though it is still restricted. Capital One has refused to address the fraudulent transactions until your account is unrestricted, yet they have not provided any assistance in un-restricting my account. Each time I have contacted them, Ive been referred to a special department that says they will send my account up for review and that they can't help me because my account is restricted, but it has been almost six months, and there has been no resolution. This situation is causing undue stress and affecting my mental health, and my credit score is being adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ADP Inc.
State: TX

Complaint narrative:
I was the owner of a company that closed with Covid in XXXX. I had a 401 ( k ) account with ADP. I closed the account last year in XXXX. I noticed that ADP charged my personal 401 ( k ) account {$1600.00} for monthly fees that they normally charged my company. However, ADP issued my company ( 2 ) six months waivers on the monthly fees which were {$170.00} per month if I kept my 401 ( k ) with them. Not only did they not waive the fees as promised but they illegally deducted the fees from my personal 401 ( k ) account. 
That deduction meant for over a year {$1600.00} of my money was not traded on the market as funds that were supposed to be in my 401 ( k ) investment account. 
1. ADP sent my company 2 six month waivers for monthly maintenance fees 2. They refused to honor the waivers and they illegally deducted them from my personal 401 ( k ) account They have been telling me that they are reviewing my account for a year now, but they have never issued the credit for {$1600.00} to my personal 401 ( k ). 
When I looked at my account today, they rearranged the numbers without adding the {$1600.00} back to my account ; they also did they send me a check for the amount. They erased the {$1600.00} from the details of my account as if it was never taken out of my account. ADP still owes me {$1600.00}. ( Refer to the Account detail that was done on XX/XX/XXXX and compare it to the one done today on XX/XX/XXXX. Notice that the {$1600.00} is not shown anywhere in the account and there is no indication anywhere that it was added back into my account ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
on XX/XX/2022 I sent Transunion the following dispute information to be removed I have yet to receive any communication in regards to my results. I have attached my dispute information as well.

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 2023-02-22 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: Continental Finance Company, LLC
State: MD

Complaint narrative:
Closed credit account for Continental Finance shows multiple payment reporting inaccuracies, per the FCRA all reporting must be accurate among all three bureaus. We have found the following discrepancies while reviewing our three bureau report. 

Account reported as 30 days late on XXXXXXXX XXXX XXXX on XXXX and XXXX, but not reported at all on XXXX. 

Account reported as 30 days late on in XX/XX/2022 on XXXX but reported as on time by XXXX and XXXX. 

The reporting is incorrect and violates my fair reporting protection.

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 2023-02-22 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: MS

Complaint narrative:
I have reached out to the credit bureau several time in regard to some accounts that are reporting inaccurate. They are not sending me any verification as to how these accounts are accurate if they are reporting two different account balances. The dates sent letters are listed below. Attachments are attached! XXXX first is reporting a balance of {$110.00} and there should be {$0.00} balance reporting. They are also reporting a balance {$220.00} twice and the balance should be {$0.00}. This also appears to be a duplicate account. Also, there is one reporting as {$520.00} when the balance should be {$0.00} the way XXXX is reporting {$0.00}. 
XXXX is reporting a different balance and I do not owe any money. How is it that XXXX is reporting a monthly payment and TransUnion is reporting $ 0 monthly payment as well as a different balance and past due amount. There are alot of discrepancies here! 

XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-22 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On Wednesday XX/XX/2023 I was notified through my XXXX app that there was a new hard inquiry placed on my XXXX account that was initiated on XX/XX/2023 by some place called ComenityCapital/Good. I did not request this inquiry and have no idea who this company is. No contact information is provided with the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: FL

Complaint narrative:
Account was fraudulently opened with XXXXXXXX Virginia Region and placed into collections with Belin-Wheeler Inc . I was notified by XXXX that a collection account appeared 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 2023-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Today, I called Synchrony Bank to ask if they could send me a copy of the full and detailed Transaction Account History for my store branded XXXX XXXX card that I obtained through them several years ago. 

The customer service representative refused to send it to me. He repeated stated that this account ( along with my XXXX XXXX XXXX XXXX  branded card with them ) have been charged off, so he will not be able to send that information to me. He suggested that I contact the collection agency that has this XXXXXXXX XXXX account, although no collection agency has reached out to me regarding this card - Synchrony Bank is still reporting the CO status on my credit report monthly ( last time was XX/XX/2023 ). 

I contacted Synchrony Bank directly to inquire about receiving the complete and unabridged versions of my Transaction History Reports for these two store branded credit cards, because I am certain that Synchrony Bank has overcharged me throughout the length of time that I had these cards open with them - I just want to verify the application of the interest, principal, and fees. They did not meet that request.

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 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have been facing a series of challenges with your Capital One Venture card since opening the account in XXXX. Despite several attempts to receive the card, me and my authorized user had difficulty receiving it due to an incorrect address on file. Once I began using the card, my partner 's account was compromised, leading to the need for new checks, account numbers, and cards. In addition, I switched banks from XXXX to XXXX due to a lack of physical XXXX locations in your area. 

Unfortunately, Capital One then restricted all of my accounts with them due to an old account number saved for payments that had not been updated, causing payments to be returned. You attempted to provide documentation and proof of your current account, but Capital One required a statement within the last 90 days, which was not possible as your account had been closed, and you had opted for paperless billing. Despite notifying Capital One, they insisted that the only way to unrestrict your account was to provide the requested documentation. But they have no issues with taking my money from my updated account and still giving me no service. 

To make matters worse, my account has been subject to unauthorized fraudulent transactions that have reached their limit, and Im are still making monthly payments for these transactions. Even though it is still restricted. Capital One has refused to address the fraudulent transactions until your account is unrestricted, yet they have not provided any assistance in un restricting my account. Each time I have contacted them, Ive been referred to a special department that says they will send my account up for review and that they can't help me because my account is restricted, but it has been almost six months, and there has been no resolution. This situation is causing undue stress and affecting my mental health, and my credit score is being adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: TX

Complaint narrative:
My identity was stolen and XXXX and XXXX refused to take off the accounts that are not mine. I send them proof and it is still on my 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 non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My email got hacked as well as my XXXX and my XXXX XXXX {$1.00} dollars was drained from my bank account I alerted my bank to file a dispute but they declined my claim, Im at the risk of being evicted from my apartments because of this and I dont know what else to do

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 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I owned a debt with XXXX XXXX XXXX  over 10 years old. I was informed they would take my money from a bank account. I tried to settle with them TrueAccord. My bank warned me of fraud, They would not allow payment. I told them this was fraud, Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance is a predatory loan company that uses overly agressive debt collection tactics against their customers. They misrepresent the guidelines of their loans to potential customers and incentivize auto dealers into issuing these loans. 

My vehicle was repossessed, even though I was actively attempting to work with the company to get my payments made on time and in a way that I could afford. When the vehicle was repossessed, it was taken to auction at a location over a hour away from my home, even though there are multiple other auto auction locations much closer to where I live. I paid the amount to release the vehicle, but they will not return the vehicle and expect me to find transportation XXXX miles away to retrieve the vehicle. After contacting customer support, I found that this is a tactic of theirs because they know that the further away they take the vehicle, the less likely it is for the individual to retrieve the vehicle and they can then put it up for auction. 

Credit Acceptance is a predatory loan company that takes advantage of people with low credit scores and people that are in financial hardship. I would highly recommend not doing business with them. I will be persuing legal action against them and I suggest anyone else with similar issues do the same.

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 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX know as XXXX  comenity capital bank opened a new card on my account with a family member name, who never applied for it. who i never authorized to be on account. 
I called so many times to resolve the issue, i been told lies after lies, with a no minimum effort to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) {$3600.00} balance {$7300.00} balance I never opened an account with this debt buyer, this seems to have been bought from XXXX XXXX, but both accounts was CLOSED and marked as PAID/Charged OFF by XXXX XXXX XXXX 

I was never informed that the XXXXXXXX XXXX  sold the debt after closing/charging off the account. I was made aware of this by pulling credit to buy a house. 

Below XXXXXXXX XXXX  remarks on accounts : Remarks Charged off as bad debt Canceled by XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally sent me numerous emails, like the one attached, stating I would receive a 1 % bonus if I : 1 ) opened an account by XX/XX/XXXX with promo code XXXX 2 ) transfer money by XXXX 3 ) keep money that money until XX/XX/XXXX and 4 ) keep account in good standing and bonus will be paid by XX/XX/XXXX. 

1 ) I opened an account on XX/XX/XXXX with promo code applied ( and sent them a print screen of the promo code applied ) 2 ) completed {$50000.00} of transfers by XX/XX/XXXX 3 ) maintained transferred funds until XX/XX/XXXX 4 ) my account is still open and in good standing but they will not pay me the bonus. I contacted them on XX/XX/XXXX to inquire about the bonus and they said I would have received another email if I was eligible ( which was not mentioned in the promotional emails they sent me to entice me to transfer funds from my higher paying accounts to their lower paying accounts ). I asked for more specifics on why they would not honor the terms of their promotional email I met all the requirements for as I considered that false advertising and mentioned I would file a complaint with the CFPB. They replied on XX/XX/XXXX they would escalate my issue and respond with 24-48 hours but I still have not received a response as of XX/XX/XXXX or any valid reason on why they won't honor their promotion I completed the requirements for.

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 2023-02-22 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: MS

Complaint narrative:
Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect addresses reported on my credit report, such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My correct address is XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX. 
Below are the accounts : XXXXXXXX XXXX- {$200.00}. XXXX {$210.00}. XXXXXXXX XXXX  {$280.00}. XXXXXXXX XXXX- {$1800.00}. XXXXXXXX XXXX- {$1900.00}. XXXXXXXX XXXX- {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Opportunity Financial, LLC
State: MO

Complaint narrative:
In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit  plan as late for any purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opp loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX was reporting to all credit agencies that I was over the credit limit. They updated only XXXX. XXXX and Experian has not been updated.

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