vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2021 unauthorized charges were made to my credit card. I called the bank and informed it. The claim was approved and they refunded the total amount of this charges and issued a new credit card with new information on it ( New number, new expiration date, new security code. 
In XXXX, another unauthorized charges were made. A new claim was filed but this time was denied. I requested to reopen the claim but they denied again alleging that the charges is a subscription or reoccurring bill. I called XXXX and they informed me that there were multiple XXXX ids involved on this transaction making this purchases suspicious. 
Again, in XXXX more unauthorized charges were made to the new credit card and this time they approved the claim. 
Their letter response doesnt show any type of investigation. They just assumed based on history of purchases and type of the purchase ( subscription/ reoccurring bill )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I called the number listed on Citizens Bank web site as a customer service number to call if you want to close your account. I told them I want my account closed. They said okay. I received emails asking for customer satisfaction after each call. Calls were recorded by the bank I believe. Bank did not close my account. They charged me monthly fees on XX/XX/XXXX and XX/XX/XXXX and now my account is overdrawn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Earlier today I submitted a complaint against Experian and included XXXX. There is only enough space to upload so many documents. 
This complaint is against XXXX and I will include Experian but will be uploading evidence from XXXX. 
The first part of the complaint is that the Department of Education XXXX XXXX XXXX has taken one loan with ONE disbursement and divided it into two tradelines. This is not accurate. It has compounded the adverse affects of my credit rating by multiplying and exaggerating the number of accounts. Page two of their response to my Congressman admits to this deception. If they wish to use the original loans that were paid off using the consolidated loan I received from XXXX  XXXX XXXX and sold to the Department of XXXX  XXXX XXXX XXXX they should be forced to use the original loan dates making it too old to remain on my credit file. 

Paid collections are removed after 5yrs from first delinquency. The first delinquency with the newest account information is XX/XX/XXXX. This means the account is due to be removed in a couple weeks. 
I was told by XXXX today that the account was not closed even though it shows more than 180days late. Standard practice is to close account and sell to collections at the 180day late mark which is what they did. It was sold to The department of education XXXX  XXXX XXXX in XXXX. The department of education XXXX XXXX XXXX sold it to XXXX in XXXX and was sold to the law firm in XXXX. We can see this in the status comments on my file. XXXX only shows previous 24months. Screenshot submitted. But the department of education XXXX XXXX XXXX started reporting collections in XXXX. Screenshot submitted. Do not confuse reported collections with first delinquency. 

The address given to contact about the reported tradeline does not belong to the Department of Education XXXX XXXX XXXX it belongs to XXXX XXXX XXXX A COLLECTION AGENCY! Screenshot submitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX in which there were several reasons as to why the debt was not valid and should not be appearing on my credit report. I submitted the complaint to XXXX and successfully had the account removed. 
However, In XXXX of this a collection agent, National Credit Adjuster, who had apparently purchased this account posted an unpaid collection on my credit report with experian. I have made numerous attempts with XXXX to dispute this item on my credit report and have had no success. 
If the original underlying account was found not to be reportable then the subsequent collection of that same account should not be reportable as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Quality Asset Recovery LLC
State: NC

Complaint narrative:
QAR are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. QAR are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by QAR pursuant to 15 USC 1692k civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
just want to take old credit cards off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Upstart Holdings, Inc.

Complaint narrative:
I am writing this mail to notify you that, I received an SMS notifying loan from Upstart and I proceeded with it. I selected XXXX as the loan amount. Further, they asked me to pay 2 % of the loan amount I was receiving which is XXXX. Then, by mistake, I entered my name in the place of the bank name. They told me to pay XXXX to unfreeze the account and remit the money in my bank. Later, they said there is a risk factor and told me to pay an insurance amount of XXXX. I paid for that too. Soon after, they told to me pay the first installment in my wallet to remit the loan amount. I paid XXXX to the wallet again. So, I have paid a total of XXXX. Then again, they asked me to pay the second installment which is XXXX. I felt cheated and suspicious and didnt want to pay money anymore. I have asked for a refund and they said it will be refunded after a month. But I dont trust them. Please do help me get the MONEY I have paid. XXXX  was the last hope for me since all the numbers and mail IDs of theirs turn out to be fake too. Since Upstart is accredited with XXXX, do help me get back my money. I am in a serious emergency and have a family to take care of. Please help me with this. I am attaching all the payments I have made to this mail. Please help me out with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: DC

Complaint narrative:
Defendant is reporting false information to plaintiffs consumer and or credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: FL

Complaint narrative:
I have sent multiple disputes and XXXX is still reporting inaccurate information. I was not sent proper validation upon request. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Remex, Inc.
State: NC

Complaint narrative:
REMEX INC are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. REMEX INC are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by REMEX INC pursuant to 15 USC 1692k civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I earned points through Chase Southwest affiliate card. I wanted to transfer some points to my wife so I started the transfer process of the points. They indicated the points would be XXXX for the XXXX points however I thought it was just the amount of value I was transferring and proceeded with the transaction. The value of the points are roughly XXXX so I assumed there is no way they would charge me XXXX to transfer XXXX worth of points as it is illogical and makes no sense. When I realized they did intend to charge me on XX/XX/XXXX I called both Chase and Southwest and again on XX/XX/XXXX. Chase issued a provisional credit ; however, they made it sound like there was nothing they can do and that it would probably stand. All I wanted SW to do was reverse the transaction as it was an error and they refused. The transferred points are still there. Southwest has zero flexibility in this regard and will not do the right thing for a customer and simply reverse the transaction which was made in error as a result of their deceptive fee for transferring points. All I am asking for is for the transaction to be reversed- it would cost them nothing. I believe their site is misleading and the fees totally deceptive and excessive as they mirror the value of the points. Why even offer the option to transfer? There are many similar complaints online regarding their lack of flexibility but this appears to be a basic theft of points. Chase is complicit as well as this is their marketing partner and they are acting as if they are not a party to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We discovered at the beginning of this year that I have been victim of fraud again. One of the banks issuing one of the accounts was Synchrony Bank XXXX XXXX XXXX, we informed them and they accepted that this was a fraudulent account and they removed it. Now a couple of months later, we discover that they have allowed to open a new account even dough my credit has been reported under identity theft, we have been working for months to repair it and even placed a freeze. Now they accepted another fraudulent application and they are claiming $ XXXX which just threw my credit back from mid 700 's to mid 500 's All of this months cleaning my credit and money spent, and now they killed me again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing a complaint against the reporting agencies and national credit systems ( NATLCRSYS ). They reported on my credit that I owe {$1900.00} or {$1900.00} and I've asked for explanation, in writing, of why I owe this amount, with proof and summary. I haven't gotten any response with those details but they're putting it on my credit as collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I placed a call to Equifax. I explained to the representative that I was challenging everything being reported on my consumer credit report and that I was not asking for verification or validation. I explained to the representative that I had previously disputed this information to no avail and that I was not provided all 5 things pursuant to federal law 15USC1692G, once validation is requested. As the original creditor, I do not validate the debts of the accounts being furnished. I stated to the representative that I was commanding immediate and permanent deletion of all negative accounts being furnished and that Equifax immediately and permanently stop reporting all negative accounts being furnished and to cease and desist any further communication with myself and any 3rd party debt collector for all purposes. I also explained to the representative that because of these invalidated alleged debts being shown, my XXXX children and me lives has been impeded and impacted and we have missed out on so many opportunities due to these accounts being furnished. I also stated to the representative that I have studied to show myself approved and I will use every legal mean to enforce my consumer rights under the FCRA. I never gave agencies permission to report anything to the credit reporting agency and I never gave Equifax consent pursuant to federal law 15USC1681b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: VA

Complaint narrative:
Inaccurate date opened on multiple student loan accounts. Please have the company delete it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo recently implemented an enhanced identification verification process that was no a requirement before. This resulted in them locking a few hundred dollars in my account and demanding either 1 ) personal identification information ( including last 4 digits of SSN ) ; or 2 ) my bank account details, if I wanted to be able to transfer this money to anyone else or to withdraw the money. 

Venmo is a shady company that I do not trust with my personal/banking information, and only reason I was using it was because they allowed me to have a usable balance for years ( by receiving money from others first ). Now Venmo allows me to add a debit card and continue making payments, but prevents me from using my available balance until I provide personal information. 

In essence, Venmo lied about not needing personal information, and is currently holding a few hundred dollars hostage and demanding I hand over my personal information, claiming its a PATRIOT ACT requirement despite that act not being anything new. This is ridiculous for a company to mislead a customer into using their product, and hold customers assets hostage while demanding personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: LA

Complaint narrative:
There are items on my credit report related to fraudulent activity. In XX/XX/2021, I began dealing with this tragedy after much research. Completing the FTC was my first steps in trying to have this issues resolved. Presenting just this document to the credit bureaus only got me ignored. So to get better answers I turn to CFPB to help resolve my issue. Never have I applied for anything with this creditor. My authorization was not given to have this account opened. This account was open fraudulently and should be closed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have Disputed Hard Inquiries with Equifax that was A result of identity theft on XX/XX/XXXX and they have responded saying that the inquiries were verified as accurate. When according to the FCRA when an item is disputed as Fraud it must be removed from my credit report. I have also reached out to all of the creditors, and they all suggested to contact the credit bureaus for deletion due to them being the data furnisher. They have still failed to remove these fraudulent inquiries and have violated my privacy rights. The following Fraudulent Inquiries are Performance XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: DC

Complaint narrative:
Defendant is reporting false information to plaintiffs consumer and or credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: DC

Complaint narrative:
Defendant is reporting false information to plaintiffs consumer and or credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
On XX/XX/2021, Navy Federal Credit Union failed to reverse my loan payment in the amount of {$280.00}, and stole the money out of my account without my authorization. I spoke to XXXX from XXXX and she refused to return my money. She then told me to hold on and will get a supervisor to talk to me about the issue. 
XXXX was a nasty supervisor who refused to reverse my money that Navy Federal Credit Union stole and instead hung up on me. I told her that I only had {$42.00} in my account and she didn't care. She said, that my loan was delinquent which was 1 day late. I didn't set up any activity to pay the loan and did not authorized Navy Federal Credit Union to deduct my money from XXXX XXXX XXXX. I will remove my XXXX XXXX XXXX checking account from XXXX XXXX XXXX. 
Prior to that, XXXX told me to write a letter requesting that my money be refunded. 
Navy Federal Credit Union has nasty employees and Supervisors like XXXX. I am a XXXX veteran and never been treated like that. 
In addition, I called and spoke to XXXX of the customer representation to pay the amount of {$83.00} towards that loan only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation