vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I Am a federally protected consumer. XXXX was notified of a dispute of account with Capital One Bank NA Account number XXXX on XX/XX/22 XXXX has notified the consumer that they have completed the dispute XXXX has failed to make it clear if they deleted updated or whatever action has been taken with said dispute being complete pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPIEIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND CAPITAL ONE SHALL BE DELETED PERSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULTEC FROM IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XXXX different times I deposited checks for chase. XXXX I went into their location and deposited a large check. They played games and refused to give me even a penny of it. Reading prewritten statements. After XXXX days of fighting them and them admitting they were violating the expedited funds act, my lawyer and I conferenced and they released the entire amount. 

Now on Friday XX/XX/XXXX I deposited a check from my OWN XXXX account into theirs on their app. I got a notice saying it was being placed on hold. I called on XXXX and was told it was not on hold just pending. Then today XXXX  it says all XXXX is on hold not a penny available. Its a check from myself at XXXX XXXX myself. I called and got transferred and after XXXX mins I got disconnect. I called again and after XXXX hours on hold I got a person. Who read me the same blanket statements about deposit holds. He refused to remove it and blamed XXXX. I told him several times its a check from myself to myself. He blamed XXXX and wouldn't take off the hold. I asked for his supervisor. They never counter when I ask why they are violating the XXXX they just read the same statement. I asked why not even a penny was available and they said its all on hold. I recorded their phone call because they are shady. 

XXXX who told me him not allowed to record the calls but they can which seems like a violation of some law. He also admitted on video that his bank is violating the laws regarding deposits. He said that its their policy and he has to abide by it. He was making a request for someone else to call me back about it. I read off the XXXX reasons they can hold it past XXXX  days to him on video. None of those apply, new account, over drafts, emergency bank matters, reasonable cause, and checks greater the XXXX. 


They are so bad once this check clears I'm closing my account. They are not XXXX  accredited so that doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-24 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: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulentinvestment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank transfer and debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Branch Banking and Trust services.

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 2022-01-24 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: FL

Complaint narrative:
I had received my credit report and seen that on the report there were inquiries that I did not authorize, so I called the companies and asked why they did a report on my credit, they all stated they had not done a credit report and have no idea what I am talking about, at one of the places XXXX the girl that spoke with me stated her company has me know were in there system, so I called experian credit reporting agency, the man was so rude and XXXX  and said did I purchase a car last year and I said yes with XXXX he said oh well they can run my report with out my permission, I stated no they can not, he said they do it every day and they can not take off the inquiries, I said I gave none of these companies permission to run my credit and actually when I spoke to these companies they stated they did not run a credit check. so how are these credit companies allowed to do this? say they ran the credit when they didn't and also with out permission? so they can keep credit scores down to help charge higher interest rates.

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 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Received email on XX/XX/2022, stating that my credit limit would be decreased. Amex said that I could avoid the credit limit increase by paying {$1600.00}. I telephoned Amex, and spoke to 'lending department ' ( based in XXXX  because there are no US representatives for lending ). Representative stated there were no late payments in last year ( stated he could not go back further in time ), and no negative comments ; " account in good standing ''. 
I stated that I perceived the email as a 'demand letter ' for a payment of {$1600.00}. The representative denied that it was, stating that I could avoid the reduction in credit limit if I paid {$1600.00}. 

PS. I have looked for email ( in computer trash ) and can not find it. I will keep looking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: MI

Complaint narrative:
Dear Team, In XX/XX/XXXX, I informed Lexis Nexis ( company that maintain XXXX insurance report for consumers ) about a potential mistake in my report. This report was showing 3 'at fault ' accidents on my name where I never driven before. After multiple email exchanges and phone calls with long wait times, i found that my whole report is mixed up with another person who has the same name and DOB as mine. That person was involved in accidents and hence, this was appearing on my report. I sent multiple requests to Lexis Nexis to fix my report and they assured that it will be fixed. 

Now it is XX/XX/XXXX and my report is still the same. I recently ordered a fresh copy of my report and it is still showing the other person 's info. Clearly, LexiNexis never investigated the issue other wise they would have easily figured out two separate SSNs on one person 's report. This is highly unacceptable as Im facing issues because of this errored report maintained by LexisNexis.

Im requesting you to please look into the matter and take action against LexisNexis as they are falsefully maintaining consumer reports and making money while the consumer is suffering. 

My details are - Name : XXXX XXXX State of residence : Michigan D/L number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I have never been in contract with Radius Global Solutions they are POSING & reporting late payments under false alias Regional Acceptance it is illegal for them to continue to claim or falsify information or threaten me I will be taking legal action if the harassment continues REMOVE ALL LATE PAYMENTS ON CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: Nelnet, Inc.
State: NY

Complaint narrative:
I have paid off all of my student loan interest. My balance should reflect {$250000.00}. Today on my XXXX loan several thousands of dollars of my payments were mysteriously " unprocessed '' and over 7,000 was added back to my student loans in " unpaid interest '' while my student loans are in forbearance. The reversal of processing over {$7000.00} of my hard-earned money during the forbearance period was told to me by Great Lakes Student Loan servicing customer service over the phone. The explanation they gave was that they payments had simply become " unprocessed. '' This is theft by the DOE and theft by Great Lakes Student Loans servicer and if this is not addressed I will sue both entities for conversion and breaching the loan agreement with me. I am an XXXX XXXX in the State of New York and I am sick and tired of the government taking advantage of loan borrowers. This is unbelievable and absolutely 100 % unacceptable that my own government would essentially steal over {$7000.00} from me. I am livid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX ALLY FINCL XXXX XXXX ALLY FINCL XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2022-01-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Dear Sir or Madam, I uploaded a letter for your review. 
Please take a look at the letter. 

Before we went to vacation, me and my wife went into this place to get our covid tests done.

When we were there, they asked us to see our Medicare cards and told us that we won't pay for anything.

They added services to our visit and send us a bill to pay in the amount close to {$400.00}.

I called them many times and instead of responding they gave us to collection.

I called the collection company and filled out the form online as they told me to, I send the attached letter to the collection company and till today no one called me or responded to my letters or phone calls, they are saying that if I don't settle this by XX/XX/XXXX this will affect my credit report. 

I can afford to pay this amount not to ruin my credit but what would happen to someone who needs the money and can not afford to ruin their credit. 

Please look into this and try to stop these people from doing dishonest things like this. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a notice of a new inquiry on my credit report from XXXX. They referred me to Transunion to resolve it but my credit score has dropped as a result of this inquiry.

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 2022-01-24 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX 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 Enclosures : Passport, ID, Identity Theft 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 2022-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
They continually call me at work after I have told them at least 6 times not to. This could cause me problems with my employer.

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 2022-01-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
All 5 HARD INQUIRIES ARE FRAUD. THEY WERE PUT ON ACCOUNT WHEN IT WAS FROZEN AND WENT THROUGH ANYWAYS. 
1. XXXX XXXX 2.XXXX  XXXX 3.XXXX XXXX. 
4. XXXX XXXXXXXX XXXX 5.XXXX  All 5 hard inquiries are fraud and we're pushed through when file was frozen. 

They did not follow federal law with FCRA SECTION 609 AND 611. It is so sad they took company to XXXX we're they do nothing for your credit even if customer. They locked me out so I can't even look at account. It is shameful are credit is in place were they don't listen and don't follow American federal law. FRCA is nothing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
Direct Recovery Services has been asked to validate a debt, they continue to call my phone and email me and they have also contacted a company I work for.I spoke with XXXX XXXX # XXXX on XXXX XXXX I requested that they do not call or email or contact my place of employment.I also requested that they validate the debt I owe.I called and the caller hunk up in my face and I called back.They are horrible in the way of doing business, I have a right to ask questions, my identity had be stolen several years ago, so I am very careful and I have a right to check as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation