vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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: VA

Complaint narrative:
XXXX XXXX & XXXX XXXX XXXX XXXX put late payments on my account. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
There were two XXXX  accounts opened in my name and ssn fraudulently. 

Company is Genesis FS Card Services XXXX XXXX XXXX XXXX, or XXXX Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
This is my second complaint about this company. My last payment to them was in XXXX. In XXXX, I was unable to log in, my account was locked. My monthly minimum went from {$55.00} to {$220.00}. I contacted the company and they are not willing to work with me. I've been harassed with phone calls 5 to 6 times a day. day and night, with one call being past XXXX XXXX. I was hospitalized for most of XXXX. I have been out of work and I would really hate to see my credit score drop. I have been working hard to better myself and they are not being helpful. I was shocked that they were expecting me to pay that much considering the circumstances. My minimum payment due keeps increasing and the fees keep piling up. Instead of my account balance going down, it keeps getting higher. The credit card company will not help. I've called several times and they keep hanging up on me. This account was closed. but the fees keep going up. I don't even have a card.

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 2022-11-09 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: LA

Complaint narrative:
I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I was charged a late fee for paying off my credit card, using impart my cashback rewards. I was not informed that that was unacceptable by the credit card company until they charged me a late fee. It seems like a gotcha to me not making it clear that they would not except the cash back rewards to make the minimum payment due, I think this is rapacious behavior on their part using fine print to steal excess money from their clients. This was a Bank of America Visa card.

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 2022-11-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2022 I dispute fraudulent inaccurate information on my consumer report. The company failed to provide me with the method and procedure used to verify the information. Per 15 USC 1681d ( a ) ( 1 ) the reporting agency must notify me, and have failed to provide the contact made and to whom it was made to15 USC 1681d ( 4 ).

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 2022-11-09 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/2018 {$4000.00}. I have tried to dispute the inaccuracy for National Credit System XXXX XXXX XXXX XXXX for the amount owed. This debt was sold to a Third party company and is incorrect. I do not owe this much on this debt. Per the XXXX XXXX XXXX I only owed {$1800.00}. The company refuses to work with me on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
Debt collectors Selip and Stylianou are inaccurately holding themselves out as being the lawyers for XXXX card, yet XXXX card has informed me that they do not have any association with the case anymore, and that Selip and Stylianou is simply a debt collector. Yet in the lawsuit, S & S has the plaintiff misleadingly listed as " XXXX. '' However, it is actually them who is the plaintiff. They are acting as if they are lawyers instead of debt collectors. They have violated 15 USC Section 1692 e sections 3, 10 and 14.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX has not verified the debt they have falsely claimed I owe but Experian continues to report it is verified. Ive reported this several times since XXXX Ive been denied credit several times due to the false reporting. Ive added court documents and they still continue to report false information. I most recently asked them to verify this debt again as of XXXX XXXX and yet they still say its verified. This has hindered me too many times. My next step is to sue. 
This dispute came back verified XX/XX/2021, XX/XX/2021, XXXX but they have never sent verification. They have not come with any proof or documents to combat my court documents.

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 2022-11-09 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: LA

Complaint narrative:
I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by T Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally prot consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Debt Account Number : Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: NJ

Complaint narrative:
Noticed multiple accounts on my report I do not recognize

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 2022-11-09 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: CA

Complaint narrative:
This is my second complaint about this company. My last payment to them was in XXXX. In XXXX, I was unable to log in, my account was locked. My monthly minimum went from {$55.00} to {$220.00}. I contacted the company and they are not willing to work with me. I've been harassed with phone calls XXXX to XXXX  times a day. day and night, with XXXX call being past XXXX XXXX. I was hospitalized for most of XXXX. I have been out of work and I would really hate to see my credit score drop. I have been working hard to better myself and they are not being helpful. I was shocked that they were expecting me to pay that much considering the circumstances. My minimum payment due keeps increasing and the fees keep piling up. Instead of my account balance going down, it keeps getting higher. The credit card company will not help. I've called several times and they keep hanging up on me. This account was closed. but the fees keep going up. I don't even have a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld Systems Inc. is demanding {$52.00} on behalf of XXXX bridges and tunnels. This amount constitutes penalty amounts that would have been due if original toll was not paid in time. All of the tolls were paid in time ; however, the collection continues in order to harass me into paying charges not owed. 

Transworld Systems Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I did not sign any contract with a collections agency, I am not legally obligated to them. The items below have violated my rights. 

XXXX. XXXX XXXX XXXX XXXX  - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX my car was stolen along with several cars including my synchrony bank XXXX XXXX credit card I got a text saying that {$440.00} had been used at a local XXXX I immediately called and reported the activity and canceled the card they stated that I would get a temporary credit for the amount that was fraudulently spent on my card I waited about 30 days and the money was still there being reported on my credit as owed I called synchrony bank they said that it takes up to 60 days I waited another 30 days called back and instead of taking the fraudulent balance off they added an additional {$550.00} to the balance I paid the portion of the credit I had used on the card and expected the balance to be XXXX but it is now XXXXXXXX XXXX XXXX XXXX XXXX I called and complained they said that they would fix it within XXXX business days I waited XXXX business days to call back they stated that I need to wait an additional XXXX to XXXX business days for the balance to be corrected and for them to change the reporting that they did to the credit bureaus at this point I feel like they are taking advantage of me and discriminating against me because of my XXXX the first person I spoke to said that normally they put a temporary credit on the account but in my case they did not they actually re-added the balance and now its double the fraudulent activity in my car does reporting over maxed out please help

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 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 non-monetary relief
Consumer complaint received 2022-11-09 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: NC

Complaint narrative:
In Accordance with Fair Credit Reporting Act XXXX  account number XXXX XXXX XXXX XXXX violated my right. 
15 u.s.c 1681 602 section A states I have the right to privacy.

15 u.s.c 1681 604 section A states a consumer agency can not furnish an account without my written instructions.

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 2022-11-09 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: NJ

Complaint narrative:
Noticed multiple accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I financed a solar system through XXXX XXXX XXXX at XXXX  XXXX XXXX ( XXXX ) in XX/XX/2021 through XXXX. I was promised by the company to receive refinancing after 1 year. After the initial year was expired, I reached out to XXXX and he sent me out a " refinance '' agreement with XXXX. I signed it for the lower interest rate that he promised to get me away from. 
Immediately after I signed the new " refinance '' agreement I started getting billed by both XXXX and XXXX. I called XXXX ( which there is an on going internal investigation ) and they informed me they don't even do refinancing. XXXX fabricated my paperwork as a new construction project, frauded XXXX, got paid, pocketed the money, and now I am paying on 2 loans. XXXX won't pay off either loan and has left me holding the bag on both. I'm on the hook for XXXX $ XXXX loans right now. I'm a XXXX XXXX  on a fixed income and I need help. 
XXXX XXXX XXXX has already done 18 months in the XXXX for XXXX XXXX and bank fraud. 
He ran XXXX XXXX in XXXX XXXX the same way, by scamming people. He is a con-man. I have 5-6 people I'm in contact with that I can give to you that also have 2 loans out. I have more people outside of that with a litany of other problems. 

I am attaching receipts of payments I've made on both accounts as well as balance due on both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had a JetBlue Mastercard for many years. It was taken over by Barklay 's Bank. 
They issued a duplicate card to an impersonator in a different city, which was rectified by closing that card and issuing a new one. This fraud called them again, and again, against the assurances I received, they sent him another card on my account. We went through the same procedure and then they sent this hacker another new card with my new information. At this time I closed the account. 
Unbeknownst to me, they added a charge for the interest incurred by the hacker, which they assured me would not happen. I received no notice of this until they sent me notice on XXXX that my account was delinquent by the XXXX cents and a XXXX dollar late charge. I spoke to them on XXXX and they assured me it would be taken care of. Today, XXXX they reported the " debt '' to the credit bureaus.

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 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One has changed my credit cards from Fixed Rate to Variable Rate. They went from 9.9 % fixed rate on XXXX account to 12.9 % variable without notifying me and with out my approval. The other one went from 10.9 % fixed to 17.99 % variable without my permission and without notification. This is very disturbing. I only signed up for fixed rate cards with Capital One and do not appreciate them doing a bait and switch procedure with my accounts. I also feel they are price gouging and using the interest rate hike to change the terms of agreements to their customers accounts. When I spoke to the agent on the phone she said there is nothing they can do to put my rates back. I asked for a supervisor above her and she said there is no one above her. Unfortunately I did not get her name as I was transferred to her and she did not say her name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
XX/XX/XXXX my Navient Private loan interest rate was loan ID XXXX 4.25 % and loan ID XXXX 3.75 %, this has been the same fixed rate since XX/XX/XXXX Starting XX/XX/XXXX interest raised from loan ID XXXX to 4.0 % XX/XX/XXXX interest raised loan ID XXXX 4.5 % XX/XX/XXXX interest raised loan ID XXXX 5.00 % and loan ID XXXX 5.25 % XX/XX/XXXX interest raised loan ID XXXX 6.00 % XX/XX/XXXX interest loan ID XXXX 6.5 % and loan ID XXXX 6.75 % Not only is Navient increasing my interest rate but is also capitalizing my interest each month and including it on my principal balance. This will effect my ability to even claim interest on taxes! 

Today XX/XX/XXXX I went to check the auto pay status of my loan and saw Navient without consent or even informing the me the customer has been slowly increasing my monthly interest rate. Today I called and spoke to Customer Advocacy to address this unfair practice. The service team blamed the government for changing the interest rates and told me they could change the rate to whatever they wanted. I was told there is no way to change my interest rate back unless I am in poverty. Customer Advocacy was NOT able to help or even try to change my rates back to the rate they have been at for 16 years. 

I need the CFPB to take immediate action as this is unfair practice effecting millions of student loan borrowers trying to pay off their debt. This is predatory lending!

Company response to consumer: Closed with explanation