vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 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: The CMI Group, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, fraudulently enticed us with a false ad and wound up adding XXXX dollars to our bill that WE REFUSE TO PAY. We tried over and over to resolve this matter with their customer service people. However, they hire scumbags who lie and teach them how to lie to the general public, Then they incentivize them to do their XXXX XXXX. As a result, we have a XXXX dollar negative hit on our credit rating. I have sent the required letter of dispute within 30 days to CREDIT MANAGEMENT LP. I am requesting your assistance in dealing with this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I tried to open a XXXX XXXX XXXX with Capital One and at first, they said there was a fraud alert. After wasting about 45 minutes with the company, they said I could not open an account with them, and only cited that I had closed an account with them in XXXX. They said I would not be able to open an account with them, and that was the only reason. This doesn't make sense to me Can you please look into this matter for a full and more clear explanation. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I own an American Express XXXX XXXX XXXX and have been a customer of American Express for over XXXX XXXX 

My credit card account is always paid in full and has been on autopay. For some reason, it was not on this month and the payment did not post immediately I was charged a {$29.00} dollars fee on XX/XX/XXXX. I did not receive any notification of the set fee. While checking my accounting two days later, I discovered the charge and immediately paid my entire balance and contacted American Express. I explained what happened and requested the fee to be refunded since I am a long-time customer and even have a significant amount of cash in their savings account. 

The response received was " you don't qualify '' as I inquired as to why I was told that there are many variables and the system just denied it. 

Needless to was this is very disappointing and difficult to accept that a company like this is not willing to provide high-quality customer service regardless of whether you have been a very long-term customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: TX

Complaint narrative:
I submitted a police report to equifax stating inaccurate information on my credit report due to fraudulent activity. They returned the information as verified and belonging to me. The account is fraudulent and I didnt sign paperwork for the account of XXXX XXXX XXXX This continues to report on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax : I am disputing why my credit score dropped XXXX points in XX/XX/2022 for my XXXX XXXX mortgage account upon coming out of my CARES Act Forbearance. This is unfair & detrimental to me given that my mortgage company offered me NO normal alternatives for coming out of my forbearance. Contrary to what they told me when I entered into the forbearance, they would not allow me a deferral nor a loan mod. I had to fight and escalate this matter for over ONE YEAR to get them to take the appropriate action and now my credit has suffered as a result? XXXX XXXX has known instances on record where they do not honor normal remedies for coming out of the CARES Act forbearance which has caused many of their customers to lose their homes. I am thereby requesting that this be remedied & reflected appropriately on my credit report. I do not understand why my score took such a drastic hit given that I have no late payments recorded and was able to make partial payments throughout the duration of my forbearance period. The loan mod was not under a federal government plan simply because XXXX XXXX would not allow it to be as such. The only reason the mortgage amount had increased by {$10000.00} was because XXXX XXXX wouldnt remedy the situation sooner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act my rights have been violated. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this 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 2022-09-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act my rights have been violated. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this 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 2022-09-08 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: MD

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: MD

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-08 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: Global Lending Services LLC
State: SC

Complaint narrative:
Due to the covid pandemic phase I had an extension on my loan and it caused my actual loan terms to go past the loan mature date. I was advised that I needed to continue to make my payments monthly until the loan was completely paid off. I was never told that because it went past XXXX of XXXX  that I would incur a monthly late reporting to my credit report. As of today XX/XX/2022 I am still being marked for being late in XXXX but I am current on my monthly payments. They have attached a {$1000.00} charge for XXXX payment which they can not give me a clear answer as to why they charged me that and what is was actually for. I have only {$430.00} left to pay on the loan which is my last payment of this loan contract and they want me to pay that {$680.00} they can't tell me what its for. I don't understand that now that my loan is one payment from being paid off they are reporting me late every month for going over the contact. in the loan it was never specified that if I go past the original loan contract date it would be an additional charge. They are tearing up my credit and this has caused me distress due to dealing with this issue with this loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: DC

Complaint narrative:
In XXXX, I received a written letter from First Federal Credit Control XXXX, noting that I had {$100.00} in past due medical debt from the XXXX XXXX XXXX XXXX and XXXX. I had no record of having this debt, so I went on the First Federal Credit Control XXXX website and filled out a dispute on their site for disputing debts : https : //ffcc.com/disputes. I completed the form and asked for debt validation, including the records associated with the debt. 

I never received any debt validation, in writing, or via phone. Instead, on XX/XX/XXXX, I received a repeat letter noting that I had {$100.00} in past due medical debt. This debt is false, and I've never owed it. Yet, First Federal Credit Control XXXX has reported this debt and had it put on my credit report, which was spotless prior to that. 

I have verified with The XXXX XXXX XXXX XXXX and XXXX that I don't owe them any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I went for a timeshare presentation with Wyndham. They told me they will be checking my credit, but instead they used the information to open not one but two credit card accounts with over XXXX in credit. 

One credit card with Barclays, and another one with XXXX XXXX. This is absurd!

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 2022-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Several accounts tried to be opened that was not me and is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: EdFinancial Services
State: NC

Complaint narrative:
I made two payments for my student loans with Ed Financial on XX/XX/2022 and XX/XX/2022, each for {$1000.00}. After reviewing my payment history recently, I saw some of the funds from each payment had been applied to the wrong loan group. It took me several weeks just to get in contact with someone from this company, and when I finally did, I was able to have a request submitted to fix the issue. The customer service rep quoted me 3-5 business days to resolve the issue. I then call back after that amount of time to confirm they were still fixing it, only to be quoted 150 business days. The rep said that due to a system error on their part back in XXXX, they incorrectly applied funds to a lot of people 's accounts and are now having to fix it, thus the long wait time. An error on such a scale is cause for a reevaluation of how this company is working internally. Especially when this literally is a misplacement of millions or even billions of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am getting my bill statements 1 day before they are due. The company says it give a 15-day grace on billing, but I am worried it is getting reported as late payments to my credit. I am always current, but this does seem a little unprofessional.

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 2022-09-08 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: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
During regular check of credit reports noticed Debt Recovery Solutions on my reports. Collecting for XXXX XXXX FCRA and FDCPA violations from Debt Recovery Solutions that consist of. 
*No idea who they are as I have had no contact with them ever. XXXX account just appeared on credit reports with no chance to dispute. 
*XXXX whom they are trying to collect for is a Internet payday lender that operates illegally in Virginia which is my state of residence. 
*Never have dealt with XXXX unless something was done in my name fraudulently. 

This information concerning Debt Recovery Solutions is also being reported to the Virginia and New York Attorney Generals Offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
Cash net usa had a collector call me and state that they accessed all my bank statements and that XXXXXXXX XXXX gave them all my information with out me knowing, This is fraud and I want this rectified and removed. 

If anyone did access my bank statements without me knowing I will call my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: TX

Complaint narrative:
On XX/XX/2022 I contacted XXXX XXXX XXXX AND EXPERIAN Via expedited mail I have mailed in police report that affidavit etc. even proof of address XXXX XXXX XXXX AND EXPERIAN failed to protect my consumer rights as well as reporting fraudulent accounts below XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent collection on my Personal credit report ( XXXX XXXX XXXX XXXX ) which is a violation of consumer rights they also had violated section XXXX of the fair credit reporting act XXXX DID NOT INVESTIGATE properly NOR SEND ME PROOF AS TO How this collection account is mine THESE COMPANIES ARE AWARE OF MY IDENTITY THEFT AND FAILED TO REMOVE THE ACCOUNTS! 

XXXX XXXX XXXX are in violation of the fair debt reporting act National credit systems also have my police report etc. and did not provide me with proof of anything do therefore Im suing all companies in federal court as of XX/XX/2022

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 2022-09-08 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: TN

Complaint narrative:
Was told by Credit Karma that I was pre-approved for a 0 %, 18 month balance transfer credit card. I applied and was denied. Hard inquiry and rejection affected my credit score, so now I'm paying more for my re-finance. I would have never applied for the card if they didn't say pre-approved. This hard inquiry and denial dropped my score to a lower tier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: IL

Complaint narrative:
I have a unknown account on my credit from capitol one bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please be advised that these following items are Unauthorized Inquiries and are showing on my credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 

I already reached out to the Credit Bureaus but no changes has been made and these inquiries are hurting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
hello I been dealing with Chase bank over two years now, never had an issue never missed a payment i have two credit cards with them one Chase freedome unlimted with XXXX limit which is 90 % used Chase sapphire reserve with XXXX limit which is 5 % used they reduced my Chase sapphire reserve from XXXX to XXXX without any notice which caused my score dipped XXXX points in one month and caused increase in my Credit card usage tried to call the bank and asked them to solve the issue and i was ignored thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a cashiers check dated of XXXX XX/XX/XXXX and that funds was debited after a stop payment was issued. The letter states since the account was closed with a negative balance owed a check was enclosed. I havent banked with Wells Fargo since XXXX and havent received or heard anything in years. I dont know if this cashiers is fraudulent or not, Ill like to declare if it is or not. However I did just call the number on back of the disclosed letter, XXXX and states it is a collection agency attempting to collect a debt.

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