vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CA

Complaint narrative:
My name is XXXX XXXX ( SSN : Ending in XXXX ) and I am submitting this complaint on my own behalf, there is no third party or authorized representative speaking on my behalf. I am a Federally Protected Consumer and am well studied in my rights under the FCRA, TILA and FDCPA. It is a fact that the consumer has the right to demand PROOF OF CLAIM when a " creditor '' claims that there is an alleged debt that the consumer is liable for. I have demanded the original lawful contract that provides who the original creditor was, where the lawful contract was originated, etc- of DISCOVER BANK and they have defaulted on my contractual terms. I then sent them a notice of fault to give them one more chance to remedy the injury caused to me, the natural person, and they defaulted on that as well. They have been calling me DAILY, leaving me 2-3 voicemails A DAY- despite the fact that my original demand for PROOF OF CLAIM also included a clause to CEASE AND DESIST. DISCOVER BANK has been violating my consumer rights and harassing me DAILY over an alleged debt that they can not provide sufficient evidence that I owe. This matter will be forwarded to the FTC, the Attorney General, and the OCC next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for, and was accepted, for the Capital One XXXX  XXXX credit card. 
The card was delivered on XX/XX/2022. 
The annual fee of {$390.00} was billed to the card shortly thereafter. 
The first time I tried to use the card the transaction was declined. 
I called customer service and they said the card is " restricted '' and can not be used until it is unrestricted. 
They said they require proof of address and personal identification in order to unrestict the card. They declined my request to refund the annual fee while the card was restricted. 
I sent them copies of documents they requested, including XXXX XXXX XXXX, XXXX, and copies of bank statements showing my home address. 
They refused to accept a bank statement from XXXX Bank as proof of address because the account number was masked by the bank. 
They refused to accept a second bank statement from Capital One bank as proof of address because I could only produce a screenshot and not an actual printed statement. I explained to them that my Capital One bank account will not let me print paper statements. 
I explained to them that I do not have utility bills in my name as I live in my in-laws home. 
They said that they could not verify my home address - even though I bank with Capital One bank - and therefore they can not unrestrict the credit card. 
On XX/XX/2022 I tried in vain one last attempt to speak to Capital One Credit Card Services in attempt to have them unblock the credit card. That attempt failed as they said there was nothing more they can do. I then requested that they close the credit card account and refund the annual fee of {$390.00}. They agreed to close the account but refused to refund the annual fee. I politely explained that they had no right to charge me a fee for card that they will not let me actually use, nor ever did let me use. They seem to think that I can magically produce documents I don't have and get the card unblocked. I spoke with an account supervisor XXXX who stubbornly refused to refund the annual fee, insisting that she can not do anything until the account was verified -- though she admitted she had the authority to reverse the annual fee but declned to exercise that authority. I got agitated, and she hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 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: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections, PROFESSIONAL DEBT MEDIATION account XXXX ( XXXX Apartments ) XX/XX/XXXX for the amount in {$1200.00} ; XXXX XXXX XXXX XXXX account XXXX ( App XXXX ) XX/XX/XXXX for the amount in {$1200.00} ; XXXX XXXX XXXX account XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX for the amount in {$1000.00} ; XXXX XXXX XXXX account - XXXX ( XXXX XXXX  ) XX/XX/XXXX for the amount of {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: SC

Complaint narrative:
This complaint involves Nelnet At or about late XXXX or beginning of XX/XX/2022, Nelnet took over servicing of my student loan ( from XXXX ). 

I have opted to pay while in school, and this was never a problem with XXXX, which ALWAYS properly applied payments! 

After it was transferred to the new servicer ( Nelnet ) on XX/XX/XXXX, I made a {$100.00} Payment ( via Nelnet.com ), which was taken from my XXXX checking account ending in XXXX. The Nelnet confirmation number is XXXX, and this is supposed to be applied to Nelnet XXXX Account XXXX. 

On XX/XX/XXXX, the payment posted ONLY to my checking account ; however, it was NEVER credited to my Nelnet account. 

I placed two ( 2 ) phone calls to Nelnet the first being at or about XX/XX/XXXX, and the last call being XX/XX/XXXX. Both sourced from my ( XXXX ) XXXX number with the purpose to inquire about getting the payment credited. 

The first phone call promised a call back, which did not happen. Both prone calls promised resolution, which has not happened. 

Thus far Nelnet has taken my payment but NOT credited my loan. It has been 14 days, and I have made an effort to have Nelnet resolve this, and they failed. 

Attachments : Nelnet Payment.jpg ( Scanned payment printed Nelnet website after making payment ) Nelnet XXXX Screenshot.png ( Screenshot of my XXXX checking account showing payment taken out ) Nelnet Loan Details.png ( Screenshot from Nelnet website showing this student loan ) Nelnet Payment History not Showing.png ( Screenshot from Nelnet website showing no payment history despite me making a payment that was taken out )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I did call my bank, Citizens Bank, because I noticed there were multiple charges for " Foreign fees '' withdrawn from my account. I know that during this past month, I did not make a purchase outside the USA. I called their customer service line, where XXXX told me there were fees all the way back to XXXX of XXXX for the same two companies. The Companies in question are XXXX ( XXXX  based company ) and XXXX XXXX ( XXXX based company ). I asked why these fees had been charged to me and the representative told me that they had been done in error and that he would transfer me to the right department to help me. The overcharged are as follows ; XXXX {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$2.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$2.00}, XX/XX/XXXX - {$.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00} for a total of {$18.00}. 

Once I was transferred to the next department, a Supervisor with XXXX XXXX stated the errors were on their end, which I knew and that they ( Citizen 's Bank ) would only go back to XX/XX/XXXX to reimburse the fees they illegally took from me.I told her this was unacceptable and she told me there was nothing further I could do because she is a supervisor and has the final say. The reference number for this is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 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: CA

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX JUST has violated my RIGHTS. 

15 U.S.C # 1681 SECTION 604 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-05-16 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: CA

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX JUST has violated my RIGHTS. 

15 U.S.C # 1681 SECTION 604 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TX

Complaint narrative:
I recently received a copy of my EQUIFAX credit report, and I noticed Utilization posted on my credit report on the listed accounts : XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX  EQUIFAX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person [ EQUIFAX ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
EQUIFAX has VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover claimed I open an account but I never have

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: AR

Complaint narrative:
Account # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX on my credit report is incorrect and I have no knowledge of these items at all. I Request that reporting Agency as well as company verify the accuracy of the information I disputed. Also I ask for a copy of an original agreement with my signature. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: IN

Complaint narrative:
Received an alert on XXXX about a late payment. Called XXXX and was told that an account was opened on XX/XX/2022 to Montgomery Ward. 60 days late payment ; {$290.00} due. XXXX gave me a phone number for this company ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Notified Chase on XX/XX/XXXX that there were XXXX fraudulent charges on my XXXX Credit card from XXXX for a total amount of {$3800.00}. Chase 's immediate reaction was to cancel my card and send a replacement. In addition, the reversed all of the charges until such time as they investigate. I explained to them that I have been doing business for a number of years and that there is a step-by-step process before any money is exchanged with the Seller through XXXX. The first step is to send your requirement to the Seller to see if they can do what you want done ; once they validate that they can do it you negotiate the price ; once the price is agreed ; they email an order ; once you approved the order and officially supply what you want done they start working on the project ; XXXX emails a copy of the invoice for my records ; once the job completed is completed, the Seller sends me a copy for review, approval or changes ; once all of the changes are approved, the Seller the product for final review and approval ; I have 3 days to agree before the project is complete. The final step is I actually receive a product to show for my purchase. Currently, I have nothing to show for any of these fraudulent purchases and I explained all of this to Chase. Chase said that XXXX sent them my XXXX  address for my XXXX XXXX, the XXXX address for my XXXX ; my email address use for the account that I set to do business with XXXX and my credit card number, which is required to do business with XXXX. Chase reversed all of my charges base on this XXXX address information for charges and activity made in XXXX, XXXX, & XXXX. XXXX did not supply the invoice, or specifics pertaining to the XXXX fraudulent charges on my credit card for the specific date and amount for the transactions. I spoke to Chase 's Fraudulent Department and I also sent and email to the CEO of Chase and it all fell on death ears. They told me there was nothing else they could do and that I had to get it resolved through XXXX. I informed them that XXXX was totally non-responsive and they kept transferring me from on Customer Service Representative. I even asked XXXX to reinstate my account which they closed because I could validate my records through my account and this never happened. It was obvious to me that XXXX had no incentive because Chase had given all of the leverage that had away by allowing them to keep {$3800.00} of charges/ my money and I am paying for something that I did not authorized and I have nothing to show for it. Please help because I have exhausted all of my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
hello good morning I am making a report of this car diler XXXX XXXX XXXX I buy this vehicle when they did not have to sell it because i make investigation it is a car that has been repossessed, and I had I almost turned in this car with my daughter we could have killed ourselves by the freaway, since my daughter was nervous because of the accident whenever we go in my car husband she is frightened by any noise the car makes, in the first month it broke down and they do not give me any solution, the diler lied to me, and neither the bank, nor the guarantee give me a solution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX  - XXXX / XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Vehicle deemed total loss on XX/XX/XXXX due to an accident no fault of mine. Insurance check mailed to Chase Bank on XX/XX/XXXX. They documented in their system received XX/XX/XXXX and was told they had to hold check for XXXX business days due to the amount. On the 10th business day XX/XX/XXXX, I called to inquire on status and they promised they would get approved and mailed in 48 hours. I have called every other day since XX/XX/XXXX and have been getting the runaround about why it hasn't been mailed yet. Every day someone says they are escalating and sending overnight and as of today ( XX/XX/XXXX ), they are still saying they are working on it. 

Please advise if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: CA

Complaint narrative:
On Friday XX/XX/2022 I called Navient to Pay off a School Loan. I have XXXX Loans with Navient. # XXXX {$12000.00} and XXXX # XXXX {$28000.00}. I told the agent I want to pay off my school loan # XXXX for the amount listed. So we processed the payment ( I had already made a payment for XXXX ) and payment was completed. I looked into my account to see the loan paid off, and it shows a balance of {$220.00}! I called Navient and what the Navient Service agent is telling me does not make sense. XXXX XXXX # XXXX indicated since I have a consolidated loan they applied this to the other loan. Mind you these are XXXX separate loans. I want to be completely done with the XXXX XXXX, so I can qualify for a Loan to purchase a home. I was very clear, I never understand what these Navient Agents tell us about our schools loans, however we just take the information and hope its true. This time I believe they are adding fees without my consent or knowledge. I just want the loan paid off, so I can qualify for my purchase as soon as possible. 
Thank you so much for looking into this, i appreciate your time! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
We received a letter in the mail saying we missed a payment and we owe {$530.00}. we called Genesis FS Card services and told them we did not have a credit card with Destiny XXXX. we do not have any XXXX. they told us to go to this site and fill out a conplaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I requested an investigation in to the reporting of my credit on XX/XX/2022. I requested that Transunion look in to my credit report and fix the inaccurate reporting that I listed. On XX/XX/2022 I sent out a follow up letter demanding the company comply with the initial letter I sent out. After thirty ( 30 ) days of not receiving any feedback from the company, I began to contact the Consumer Financial Protection Bureau ( CFPB ). I never received a response from the company until the CFPB was involved. Which was nore than 30 days after i sent my initial letter. Please note that " you have 30 days to complete an investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation. ''

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