vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
Almost all of these corporate businesses double dip and hope that we the natural living people have been conditioned well enough by their XXXX XXXX, to pay them a second time. Please, excuse my ignorance prior to, but you all are out of your corporate mind to think you would get away with this. On top of that, I have been harassed by representatives from BRIDGECREST ACCEPTANCE CORPORATION. They contact me multiple times, send 3-4 texts a day, call from 3 different phone numbers and threaten to take MY PROPERTY, and send emails 3-4 times a week. Whats even crazier is that they work closely with XXXX XXXX XXXX XXXX to coerce people into making payments that are already paid as they are obligations of the United States according to XXXX XXXX. XXXX put, they simply capitalize off of natural living persons knowing what they are NOT knowing. Just evil. 
Ive spoken to multiple reps and asked them to send me a TRUE BILL and DOCUMENTARY EVIDENCE instead of an itemized ( statements online ) list of when my alleged debts are due. What they send is certified mail that is stuck to my door, for any and everyone who passes to see. Please understand, I know you are aware that a statement documents what was due and paid, whereas a TRUE BILL represents only what is due. I KNOW BRIDGECREST ACCEPTANCE CORPORATION aka the Bank has direct access into these Cesta Que Trusts and all they needed was my name, social security number and signature to start their FRAUDULENT ACTIVITY. According to the BILL OF EXCHANGE via HOUSE JOINT RESOLUTION 192 on XX/XX/1933, no one in XXXX has been able to lawfully pay a debt. Payment of debt is now against congressional Public Policy. Henceforth, every debt obligation shall be discharged. So why do you continue to proceed on the collection of an alleged debt when you know it is against the law? FRAUD -by definition is- wrongful or criminal deception intended to result in financial gain. AND doing business with XXXX, XXXX who willfully and knowingly choosing not to disclose certain information is fraudulent and misleading pursuant to 15 USC 1601 ( a ) which is to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid uninformed use of credit, and to PROTECT the consumer against inaccurate and unfair credit BILLING- which I am CLEARLY a victim of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I made a purchase on my PC Richard & Sons card with a 12 month deferred interest term. However upon checking my statements, it appears i've been charged all of the deferred interest on XX/XX/XXXX AND two months of interest thereafter. Despite the fact that I should have had several more months before it kicked in. I would like all of these interest charges waived as they are not what I agreed to at the time of purchase and synchrony is engaging in deceptive and predatory lending tactics. When the initial fridge arrived, it was the wrong one. So PC Richards issued a refund and processed an order for a new fridge, however now the Synchrony agent I spoke to is telling me that 12 months deferred interest does not apply to this new fridge. I was never informed anything changed and this is completely unacceptable. You can not just change terms on an agreement because of the retailer 's error. I should have received the 12 months deferred interest and I was never told it was changing. I attempted to provide the Synchrony agent with my receipt from the original purchase, but they stated they aren't able to receive attachments.

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 2023-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have been trying to apply for a loan modification or any help that they could offer me, but PHH dosent want to offer any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
On XXXX, XXXX XXXX Reported to Experian that I had a late payment.

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 2023-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
they are trying to collect a debt I do not owe. and its a third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/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 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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-10-11 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to express my deep concern and frustration regarding a recurring issue with American Express. I have reached out to customer for assistance, but they have not been able to resolve the problem nor offered any workarounds or any solution. 

Here is some information pertaining to the issue : - I have two American Express gift cards I received from work. One has a {$200.00} value and the second one has {$500.00} value - I tried paying multiple times for a product I wanted to buy online and every time the transaction got declined ( date : XX/XX/2023 ) - Before placing the order I checked the balance at balance.amexgiftcard.com and the funds are there - Since the transaction failed, I tried to add it to XXXX today ( XX/XX/2023 ) since the website I wish to by from accepts XXXX as well but it again didn't work showing the same error message : Your card was declined by the issuing bank. Please try a different card or contact your card issuer with questions. Similar situation with XXXX. 
- I called American Express customer support on the XX/XX/2023 and talked to XXXX representatives. None were able to solve my issue and simple told me to use the card with a different merchant but they failed to provide a merchant names where it can be used. It is absurd to expect someone would randomly hunt that work. 
- According to their terms and conditions, these gift cards can be used online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After recently looking over my credit report Ive found several inquiries that are unauthorized and fraudulent. After reaching out via phone they wouldn't allow me to dispute inquires. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo is bankrupt. They have liabilities to customers denominated in XXXX and they don't have the XXXX They are retaliating against me by preventing me from moving funds, and converting funds to XXXX. Their customer service number plays music for XXXX minutes then goes silent. Clearly this is an attempt to get people to hang up and not get answers. Eventually the music comes back and then they assure you the wait time is XXXX minutes, but then it takes XXXX. They they come up with two different reasons for not cashing the check. First is it " risk '' department, then it is because of random metadata that they collected through unlawful spying they decide they are entitled to discriminate against me. The only " risk '' is that I'm aware venmo is bankrupt and dont have the bitcoin collateral and therefore any access that I have to money is a liability for them because it removes liquidity from their fraudulent system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank is holding my money hostage. I overpaid the balance in full by {$1300.00} in XX/XX/2023. My husband and I had our XXXX XXXX  XXXX XXXX credit card for over 20 years before they sold my account to Comenity Bank. One account.two cardsone for my husband XXXX and one for me. One balance. One monthly payment due. Paid it faithfully. My husband passes away and I contact Comenity to let them know that I overpaid and that my husband passed away. They advise me to send a death certificate and a power of attorney. Which I once did with XXXX  XXXX XXXX and then sent these documents again to Comenity Bank on XX/XX/2023. When I called at the end of XXXX, customer service was not only rude to me but refused to talk to me because I was not my deceased husband. Comenity Bank has my money and I want it back!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these accounts.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these accounts.

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 2023-10-10 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: OH

Complaint narrative:
At the termination of a lease for a XXXX XXXX XXXX, I agreed to purchase the auto from Chase Bank Financial and submitted the quoted price from them ( which included the Ohio Sales tax from my county ( XXXX ). I received a check ( No XXXX ) from Chase for {$1100.00} made payable to XXXX County Clerk of Court, on XX/XX/XXXX XXXX-which was sent by me by Chase. I did submit this to the clerk of courts. Whatever subsequently happened, That office informed me that they had no record of this check and no financial record of having cashed it-which they affirmed in a follow up letter. 
Consequently, I had to again pay out-of- pocket to receive title to the auto. I have tried contacting Chase Financial customer service, at least four different times, asking them to stop payment on the check, and to reimburse me for that amount, but Have heard nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I received a credit store card something went wrong and issued me a card. I didn't want a store credit card for Amazon. I don't even have prime, my partner has all that so I don't know what this is. How was this even done from my information and phone number, email and social security number. I would like this to be removed and that card also removed as I didn't authorize or want. Please advise .... 

The date XX/XX/2023 Synchrony Bank

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