vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 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: C/C Financial
State: TX

Complaint narrative:
On XX/XX/2022 the consumer sent XXXX XXXX a cease and desist pursuant 15USC1692c. Preferred lease has already been paid for the alleged debt. Plus extra monetary. The company replied to complaint # XXXX. Pursuant 15USC1692b The consumer never gave perferred lease written permission to communicate with the consumer or access the consumer report. The Consumer is still being harassed by email and text messages willfully regards to what the federal consumer law says. Preferred Lease is still invading the consumer privacy. Today a default and opportunity to cure was sent to the debt collection company certified mail with return receipt The company still has not responded under perjury and penalty. We hope this matter can come to a resolution soon. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management Services Account # : XXXX Balance reported {$23000.00} XXXX sent this creditor a certified, debt validation letter on XX/XX/2021 written thoroughly specially asking for proof of documentation of what I owed. I received a letter back from them dated XXXX stating that they were unable to substantiate the allegations of my dispute and provided me with zero documentation. The original lender is XXXX XXXX XXXX and when I contacted them via phone to ask why I had a collection charge off if my Gap insurance had paid this collection off they said, " I can see it in our systems that a payment was made but because the collection is now with NCB, we can't provide you with any proof because your account no longer exists with XXXX and so you must contact NCB XXXX " Prior to mailing NCB a letter on XX/XX/2021, I called NCB directly and asked for documentation supporting the balance they were attempting to collect on and was told by their representative and Manager that they didn't have any documentation and that I would need to contact XXXX directly. I have since sent out a dispute letter to all 3 credit bureaus explaining that not only did this account need to be deleted for not being valid but also needed to be deleted because there were MUTLIPLE inaccurate information being reported from all 3 credit bureaus which are grounds to delete account from my credit report regardless of validity due to inaccurate reporting. I have already started a separate dispute dated XXXX with XXXX and all 3 credit bureaus to also delete the charged off original lender XXXX account # XXXX off my credit report for inaccurate reporting and XXXX has since been the only credit bureau XXXX delete this account. I am mailing a 2nd dispute on XXXX to attempt to have it deleted from XXXX and XXXX too. 

If the original creditor is beginning to delete the original debt that was wrongfully added to my credit, how can NCB be allowed to report or attempt to collect on such a large and inaccurate amount? It's hurting my credit and needs to be deleted immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank
State: CA

Complaint narrative:
In XX/XX/XXXX I was made aware that XXXX XXXX had reported XXXX separate late payments on my credit report from XXXX & XX/XX/XXXX and XX/XX/XXXX. This mistake led to me having to call the company several times over the course of 3 days from XX/XX/XXXX, up until XX/XX/XXXX, in an attempt to have them correct their error, an error which also led to my credit score reflecting an inaccurate number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: OH

Complaint narrative:
I am not an attorney nor am I a third party. I am filing on my own behalf because it is my legal right to do so. I have a 30 and 60 Late pay the is showing on my credit report from XXXX XXXXXXXX XXXX USA N XXXX. My income was affected due to the Pandemic Shutdown. I am seeking some accommodations under the CARES ACT FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, XXXX XXXX I am trying to protect the integrity of my credit profile as much as I can. I am current on all the accounts I was told that I have to write and request the late pays to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am not an attorney nor am I a third party. I am filing on my own behalf because it is my legal right to do so. I have a XXXX and XXXX Late pay the is showing on my credit report from XXXX XXXX XXXX  XXXX XXXX XXXX. My income was affected due to the Pandemic Shutdown. I am seeking some accommodations under the CARES ACT FCRA section 623, 15 U.S.C. 1681sXXXX ; 12 CFR part 1022, subpart EXXXX I am trying to protect the integrity of my credit profile as much as I can. I am current on all the accounts I was told that I have to write and request the late pays to be removed.

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 2022-01-14 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as Experian. these accounts are with DEPARTMENT OF EDUCATION XXXX XXXX, LOAN SERVICER. this is willful defamation. FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, .DEPT OF EDUCATION 'S XXXX XXXX which is ( still reporting )?, Experian has held an investigation longer then 30 days and with willful intentions to keep reporting another FDCPA violation liable for damages. I have peacefully notified all arrived with proof of claim and statement, and have defaulted XXXX XXXX, with a Notice of Default via mail XXXX XXXX. I have not authorized any reporting or information nor should the information be reporting on my reporting due the primary nature of this investigation and complaints of not have any written instructions or " permissible purpose " pursuant to 15 US code 1681 B, also 15 USC 1692, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character. Not to mention the XXXX XXXX action suit filed XX/XX/2021 due to predatory lending.

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 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: OR

Complaint narrative:
A collections agency, XXXX XXXX XXXX, is reporting on my credit report that I owe {$2400.00}, which includes {$730.00} in what they say is accrued interest. I sent a letter of validation to them, which I confirmed they received with USPS on XX/XX/2021 ( and will attach the tracking number ), but they have not responded to me since then. 

The XXXX period for XXXX XXXX XXXX to respond to my request for validation ended in XX/XX/2021, and they must now stop reporting this alleged debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a text message from XXXX bank telling me that my account had suspicious activity of XXXX. There was a link to click on to fix this problem. When I tried to call the phone number it went to voice-mail so I went to the web address given and it looks like a XXXX website, however, you can not proceed to any site function via site navigation without inputting your personal password/code and account information, ie account numbers, social security number, etc... I sent this to XXXX fraud department and to an antiphising department for fraud/theft. I am now reporting it to you. I hope you are able to locate these criminals before they steal any money or get any personal information to ruin others credit worthiness or banking information. I am enclosing a screenshot of the text and my personal information so you can contact me further if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied with AMEX today for a credit card and was denied .My credit is in good standing and never any late payments or issues. This is not the first time that this company has denied me and when I called to find out the reason I was told that was due a card that i had with them back in XXXX? I have looked all over my credit report and only card that i had was with my ex-husband and account was opened in XXXX and closed in XXXX. 
My daughter, tried to add me as an authorized user on her card and they denied me again for the same reasons a year ago .This is insane! I feel i am being discriminated due a bankruptcy that i had to file 18 years ago! The company is giving me the run around and need to get a resolution. Your help will be greatly appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am not an attorney nor am I a third party. I am filing on my own behalf because it is my legal right to do so. I have a 30 and 60 Late pay the is showing on my credit report from CAPITAL ONE BANK USA N XXXX. My income was affected due to the Pandemic Shutdown. I am seeking some accommodations under the CARES ACT FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part XXXX, XXXX XXXX I am trying to protect the integrity of my credit profile as much as I can. I am current on all the accounts I was told that I have to write and request the late pays to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: ACS Education Services
State: DE

Complaint narrative:
To Whom it may concern, I had a student loan with ACS-education for about four or five years that I paid on time faithfully. I attended XXXX XXXX XXXX in XXXX in the early XXXX. I did complete the XXXX XXXX course but had a real tough time finding a Job that I could pay bills let alone a student loan back but with my ignorance I let the student loan go into default after deferring as long as I could once I was able to get somewhat on my feet I tried to get back to fixing my credit to be a homeowner one day and I was pushed to ACS-Education where I was making payments that I really could but if I didnt it would hurt my credit and I would not be able to buy a house. There were times when I did my taxes that I was able to pay a little extra. When I would ask for my loan to reflect my pay, they told me repeatedly No I must pay what they asked and if I was paying {$370.00} only {$50.00} was going to my principle. It was a horrible experience. After getting nowhere I was forced to consolidate with a private company and got a break on interest being pay and more money has been going to my principal. 
I tried to look up my account on ACs-education but found that were sold to another company I still have my account number but can't get into site for information. ACS-education was never user friendly and only took advantage of me in my situation. ACS managers never helped me and only took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwestern Investors Group, LLC
State: MO

Complaint narrative:
In XXXX, I paid my XXXX credit card debt in full and the credit card was canceled. I did not receive a letter for them trying to collect any debt for me. In XXXX, a debt collection reached out to me saying that I owed them money through my XXXX account. I no longer have the card, and they did not provide me account information. XXXX XXXX  was the bank I paid my XXXX payment to, but XXXX  no longer uses them as their bank server. When I reached out to them, they said that the account no longer exists. I asked what I should do to have this proven, and they said reach out to the bank in which you made the payment through. At the time, I banked with XXXX XXXX XXXXXXXX, but I longer have an account with them. I reached out to XXXX XXXX XXXXXXXX, and they said they no longer had my account statements saved. I logged onto XXXX XXXX XXXXo check my credit score, and I see I have a derogatory mark on my credit. I went through CFBP to get this resolved and the company stated that they no longer have information on this, and it is now another companies problem. I need help with working this out so that I am not over paying, and so that this mark is taken off of my credit score.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-15 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: LA

Complaint narrative:
A notice of intend was send to Equifax after no response to my dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XXXX XX/XX/2022 I received a bill via email for a amount due of XXXX nothing stated the payment was past due or.no other email was sent saying my account was past due I saw it from XXXX my payment was last do to covid declared lack of hours I never had a miss payment for them. I called the company but was informed that they can not do anything unless if it was an error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Car loan via Hyaundai Motor Finance was paid in full on XX/XX/XXXX. It was then processed and a lein release was mailed XX/XX/XXXX and received by XX/XX/XXXX. However a title was never mailed to my residence. I have contacted Hyaundai motor finance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. The original title to my vehicle has no been mailed and is preventing my car from having current registration which can result in legal action.

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 2022-01-14 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: CA

Complaint narrative:
I made a payment through the capital one app and also set up auto pay. The auto pay never processed. I also have alerts set up on my account so that if there is a payment missed or late, I would be notified, Not only did the autopay not process but I also did not receive any alerts. I was only notified by XXXX XXXX that a payment was missed. I called capital one to report the system error and they transferred me around for 3 hours. They admitted that there could have been a system issue with the app but continued to insist that there was nothing they could do about it. This is very unfair and wrong. I am doing my best to pay this debt off. This is a closed account. I should not be going through this. Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I use Chase Bank as my primary bank for my business, and I submitted a claim on XX/XX/2021 for an unauthorized charge on my debit card which happened on XX/XX/2021. 

I called them and told them " {$1200.00} from Amazon.com on XX/XX/2021 is an unauthorized charge, so I want to file a claim for that transaction. '' They asked me " Is that the only unauthorized charge? I see that you have monthly charge from Amazon Prime, on the 12th of every month, since XXXX of 2021. Are those valid charges? '' I said " No those are not my charges. '' They said " Okay, we will include those 6 monthly charges from XXXX in this claim. '' Few weeks later they told me they can not give me credit for {$1200.00} transaction because they " can only issue credit for the transactions that occurred within 35 days from the very first unauthorized charge '' They said " Sir, your claim includes total of 7 charges, and we have to apply the 35 days rule, so we can only give you credit for first two transactions. 

So instead of crediting me for {$1200.00}, they gave me a credit for two {$14.00} Amazon Prime monthly charges. Total of {$28.00}. 

I told them " who told you to group those charges into one claim? You guys need to separate those charges into two claims, one claim for the Amazon Prime monthly charges, and one claim for the Amazon.com charge of {$1200.00}. Those transactions are different in nature, so it is unfair for the bank to to group all those charges into one claim. '' They said " Sorry sir, we already processed the claim so we can not make any changes. '' I called them several times to complain about this issue but they were not willing to reconsider their decision. They wouldn't even give me their last names, email address, phone numbers, or employee ID number. 

I also sent them an official complaint letter twice, first one on XX/XX/2021 and second one on XX/XX/2021, but I received no response whatsoever. No phone calls, no emails, no letters. 

This is an unfair, deceptive, and misleading practice of JPMorgan Chase Bank. I trusted them to protect my money safely, but not only they failed to do so by allowing unauthorized charge go through without sending me any verification or confirmation of the transaction, they later denied my claim using some BS rules that they made internally. I am not even sure if that 35 day rule actually exists.

Company response to consumer: Closed with explanation