vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Fraudulent account XXXX XXXX XXXX Reported : XXXX XXXX, 2023 - {$690.00} Closed Should not be on my credit it also is showing late payments an it's affecting my XXXXredit score That's fraudulent account

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 2023-08-27 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: Credit Karma, LLC
State: TN

Complaint narrative:
Today 's date is XX/XX/ I contacted credit karma under their chat response program and got a live agent on the phone. I had a question regarding a creditor that popped up under my Credit Karma account that I did not understand. The gentleman asked me to confirm And send photos of my drivers license and Social Security card after doing that I felt stupid and then I questioned him and asked him his name badge number or employee number and he refused to give it to me when I said I was going to report this and then I took snapshots of our conversation he ended the conversation. I have no idea who this person is that now has my information my personal Social Security number. There is no place on Credit Karma to file a complaint after the conversation a window popped up for me to file a star system rating the conversation which I did and then was it not allowed to process it through. There is no place on the Credit Karma app where you can file a complaint with their complaint department that is why I am writing to you the following is a snapshot of the conversation and the gentleman I spoke to I tried to upload the picture but it would not let me do that here. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY! 

The accounts should not be furnished on my consumer report as they are in VIOLATION!!! Subsection 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTING CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX ) XXXX XXXX Current Balance : ( Reportedly {$14000.00}, Original Balance {$19000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance : ( Reportedly {$0.00}, Original Balance {$39000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance ( Reportedly {$0.00}, Original Balance {$23000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX Current Balance ( Reportedly {$0.00}, Original Balance {$15000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ) XXXX Original Creditor - XXXXXXXX XXXX XXXX XXXX Current Balance ( Reportedly {$15000.00}, Original Balance {$14000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor - XXXX XXXX XXXXXXXX XXXX Current Balance ( Reportedly {$16000.00}, Original Balance {$16000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : Unknown

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 2023-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Was in the market for services from XXXX XXXX XXXX XXXXand was willing to pay the full amount but was coerced into taking out a loan with an interest rate of 19.9 % that was not disclosed to me. A credit counselor told me this was predatory lending and should be report. 
Loan Summary XXXX XXXX XXXX XXXXXXXX LOAN AMOUNT {$2800.00} LOAN PACKAGE 48 Month Installment Loan APR 19.99 %

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 2023-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Abra

Complaint narrative:
I created an account with Abra ( Plutus Financial ) on XX/XX/XXXX in order to store my cryptocurrency assets ( XXXXXXXX XXXX XXXX XXXXXXXX ). Upon account creation, I was not yet deemed a verified user until I provided identification as part of their KYC ( Know Your Customer ) program. One of the advantages of being a verified user is that I can not only store but also earn interest on my XXXX  assets. Thus, I provided a valid passport, passed their KYC check, and became a verified user. 

I was satisfied with the company 's services up until XX/XX/XXXX. This was when I tried to open my Abra account but a message displayed indicating that it was not accessible due to " compliance reasons '' ( see XXXX attachment ). Initially, I thought that this was due to the either the app not being updated or possibly due to the aforementioned KYC requirements. I re-installed the Abra app to ensure that it was updated. I also double checked my past correspondence with them to ensure that I had provided my passport as identification for KYC checking and that I was a verified user ( see XXXX attachment ). 

After ruling these factors out, I tried to contact their support team through the following emails : XXXX XXXX XXXX XXXX XXXX  I have been forwarding my concerns to these emails for around 2 weeks and I have still not received any response from the company. 

While browsing the web for possible solutions to my problem, I have learned that the company had gone insolvent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I realized that this was why the company was not addressing any of my concerns. As of now, my account is still inaccessible and I am unsure of the state of my assets.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Capital Accounts is trying to collect on a debt Ive already disputed, and was closed do to them not being able to provide a signed contract on this alleged debt. Their response to this matter and I quote was : Dear Consumer, Thank you for contacting Capital Accounts , LLC via the portal regarding your account. We have paused collections on your account while we investigated your allegations. As a matter of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this matter. Additionally, we will submit a request to all three credit bureaus ( XXXX, XXXX, and XXXX ) to have this account deleted from your credit report. 
Thank you for allowing us the opportunity to respond to your concerns. Capital Accounts , LLC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
On XX/XX/2023 NAVY FEDERAL CREDIT UNION conducted a manual review of my credit card account ending in XXXX for an automatic credit limit increase and has committed Adverse Action against my right to credit as defined under 15 USC 1602 by denying me a credit limit increase. NAVY FEDERAL CREDIT UNION has denied me my own extension of credit via my credit card defined under 15 USC 1602. NAVY FEDERAL CREDIT UNION has discriminated against me by denying me a Right and for the purpose of me exercising a Right being in violation under 15 USC 1691 ( a ) ( 3 ), ECOA, 18 USC 242. NAVY FEDERAL CREDIT UNION has committed a violation under 15 USC 1691 ( d ) ( 6 ) under Adverse Action which states -- -- -- - '' Such term does not include .... or where such additional credit would exceed a previously established credit limit '' -- -- --. Congress has clearly and directly stated there is no adverse action for a credit limit increase. This unlawful denial of my right to my own extension of credit as defined under 15 USC 1691a has caused me financial harm and mental anguish and has caused me to feel severely discouraged and to lose confidence in the banking system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I've already filed a complaint about erroneus amounts that this company has taken for interest. Last months payment they took the full {$900.00} I paid for interest. My rate is already incredibly high at 18.13 % I make multiple payments a month and before the payment is due. Even if I didn't pay the XXXX until the due date. The daily interest would have been {$19.00} per day, times that by 30 days in a month, the interest for the whole month should have only been around {$570.00}. I contacted them multiple times before filing complaint and still have not been contacted, and just being told accounting is aware and " looking in to it ''. 
I at least do biweekly payments. I just paid {$450.00} of my {$890.00} payment due on XX/XX/18. It's only been 10 days since my last payment of {$450.00}, ( which, as I already they applied that and 2 other payments, totalling {$900.00} for interest ) {$290.00} was taken for interest. Since they kept my whole monthly payment last month my total principle was still XXXX. So where did they come up with that number it would still have been a daily interest of {$19.00} 10 days since last payment. Would only be {$190.00}. I have know clue how they come up with the numbers they do, and they don't even contact back to offer some type of explanation. I contacted them again on the XXXX and told them I've already filed one complaint and that I will be contacting a lawyer if I did not hear from them. Its been over a month since I initially contacted them about the previous situation! Still nothing not even a reply besides the automated email saying they recieved my complaint message. I'm a single mom with a mortgage and other bills, i have XXXX jobs and work XXXX a week to cover them. I'm pretty decent with math and the only payments that are correct if you break down the calculations where the first 2. It's very frustrating feeling that my hard earned money is just being taken and not understanding where it is going. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I have some unauthorized inquiries reported on my credit report and would like them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I wired in three payments from my bank Regions bank a total of {$150000.00}. The last one was XX/XX/2023. I found out it was a scam after I tried to withdraw money and the company called XXXX told me through the customer service chat I needed to pay 10 % upfront to get any money. I googled XXXX and spoke with the fraud division and was told it was a scam. I filed a police report, notified Regions bank, FTC and now you. Regions told me they did not have insurance for this because they used the information I gave them, they did request refund from the other bank but I haven't heard anything yet.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
These accounts and inquiries are not mine they were made without my permission, consent, inquires. JPMCB CARD SERVICES Inquiry : XX/XX/, Inquiry : XX/XX/2023 or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I got approved for a Navy Federal checking/savings about a month ago. I switched my direct deposit recently and this week was the first time I received direct deposit to the account. XX/XX/ I was approved for a secured credit card with them and they deducted the {$200.00} deposit from my savings and sent me an approval. I used my debit card a few times after on XX/XX/XXXX XXXX XXXX when I tried to make a purchase it declined. I opened the app which told me to call. They advised that my account was going to be closed due to fraudulent sign up ( I signed up through my sister- immediate family member ) and I would have no access to the remaining funds on the account until this process was completed, the security team is closed on weekends so theres no one else I can speak with, and the supervisor hung up on me. I called back and advised I was not sent notice of this and was unable to feed my children due to the circumstances and was disconnected yet again, intentionally, by another supervisor. I advised them I would not be able to come into a branch because I was unable to get my vehicle fixed due to this mishap and the closest branch is about 4 hours from me. My entire paycheck was deposited into this account which Ive now had no access to for over 24 hours. The agents lacked training and empathy. I never received a notice requesting documentation proving I am eligible which I very much am.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: TN

Complaint narrative:
U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY!

The accounts should not be furnished on my consumer report as they are in VIOLATION!!! Subsection 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTING CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX ) XXXX XXXX Current Balance : ( Reportedly {$14000.00}, Original Balance {$19000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance : ( Reportedly {$0.00}, Original Balance {$39000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Current Balance ( Reportedly {$0.00}, Original Balance {$23000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Current Balance ( Reportedly {$0.00}, Original Balance {$15000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX ) XXXX Original Creditor - XXXX XXXXXXXX XXXX XXXX Current Balance ( Reportedly {$15000.00}, Original Balance {$14000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor - XXXX XXXX XXXX XXXX  Current Balance ( Reportedly {$16000.00}, Original Balance {$16000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : Unknown

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: TN

Complaint narrative:
U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY!

The accounts should not be furnished on my consumer report as they are in VIOLATION!!! Subsection 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTING CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX ) XXXX XXXX Current Balance : ( Reportedly {$14000.00}, Original Balance {$19000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance : ( Reportedly {$0.00}, Original Balance {$39000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Current Balance ( Reportedly {$0.00}, Original Balance {$23000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance ( Reportedly {$0.00}, Original Balance {$15000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor - XXXX XXXX XXXXXXXX XXXX Current Balance ( Reportedly {$15000.00}, Original Balance {$14000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance ( Reportedly {$16000.00}, Original Balance {$16000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : Unknown

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