vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: GA

Complaint narrative:
Currently I have a loan with Omni Financial here in XXXX XXXX  I took out the loan for XXXX back in XXXX. I re did a loan in XXXX of XXXX which only added XXXX dollars. Looking now at my monthly reports the interest rate of this loan is XXXX XXXX and it is saying I owe over more than XXXX with my monthly payments of XXXX. 
I have been trying to knock it down but havent been able too with the highest interest rate I have ever seen. My loan should of been paid off by now but I havent by their standards even made a dent into it. 
Omni Financial was in for an investigation plus bankruptcy because of the XXXX business they were doing. I just dont want to be another victim to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: NC

Complaint narrative:
There is an account with XXXX XXXX that was opened around XX/XX/2016 for approximately XXXX dollars. This account was subsequently charged off. This account does not belong to me. I have disputed this account with XXXX, XXXX and Experian and all but Experian have removed the account. I have disputed this account with Experian too many times to count. I have submitted fraud affidavit after fraud affidavit to them and they come back a week later and say that the account remains. I have contacted the company XXXX XXXX and they cant provide me any info. I have asked Experian on several occasions to provide me the documents that were used to validate the account as mine and have never received it.

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 2022-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
The same criminal acts by some person or persons NOT known to me at all in attempting or already attempted in getting a loan and/or credit by falsely using my name and identity. 
I would like to have the Federal Bureau of Investigations ( FBI ) involved with investigations by the CFPB. 
I have submitted a letter by an attorney for XXXX XXXX XXXX as my proof of this complaint.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
see attached was informed that you all would seek reposession and collection activity. you also violated 15 usc 1692c. Still callinf even after Cease and desist

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 2022-08-11 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: Colony Brands, Inc.
State: NC

Complaint narrative:
My mother in law ordered a gift for my birthday from the tender filet website on XX/XX/22. She accidentally put my name and address in the to be billed section. The Tender filet company did a hard inquiry on my credit. My mother in law called the company and had them cancel the order. The way I found out about the hard inquiry was from XXXX XXXX. They sent me the alert today. XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I was never notified of derogatory reporting on my credit report from Target Financial. I was never informed from Target Financial of the lateness reported on my XXXX credit report for XX/XX/2017 and XXXX XXXX XXXX. I was never informed that the status was updated to discharged in bankruptcy. These are violations of FCRA 623 ( a ) ( 7 ) ( G ) ( i ). Im seeking {$3000.00} in damages, removal of the account from XXXX and XXXX, and an agreement of no re-insertion to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: FL

Complaint narrative:
Account # XXXX Account Name : XXXX XXXX BANK XXXX 15 USC 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 account without my instruction 15 USC 1681 Section 602 A States i have the right to privacy

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 2022-08-11 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: FL

Complaint narrative:
Account # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX 15 USC 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 account without my instruction 15 USC 1681 Section 602 A States i have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I moved to PR and start working from home. I open an account in Banco Popular to use it for my Direct Desposit from my work. Unfortunately when I was setting bank information with my employer I put the wrong routing numbere so the have to overnight me a check for {$510.00}. On XX/XX/XXXX I deposit the check in the ATM machine. I come from XXXX XXXX so I was expecting to see in my account {$510.00} pending but I dont so I call Banco Popular customer service line and they explain me that should take couple days do see the whole amount reflect in my account. They said I should see {$220.00} first and then the rest. I call monday XXXX first because I dont see nothing reflect in my account. They explain me that I need to wait until Wednesday XX/XX/XXXX. I wait and I call back Thursday the XX/XX/XXXX and they explain me that at that point your check should be reflected in your account if not is because theres an issue with the check and they explain that I need to wait until Wednesday XX/XX/XXXX to receive a letter explaining why that happen. On Wednesday XX/XX/XXXX around XXXX I received a call from the bank branch in XXXX XXXX asking me where that check comes from and other questions to apparently be able to verify the check. After she make all the quations the branch agent told me that she are going to told the supervisor and see if the check was good to deposit. She promise me to call me in the afternoon but unfortunatelly she never do. Looking for information and talking with my uncle wich is a CPA and a cooperative bank executive he explain me about The Funds Availability and Check Collection Act ( Regulation CC ) of the Federal Reserve ( Not sure is the translation is correct ) and he told me that American financial institutions have no more than 5 days to clear a check doest matter where the check come from if not they are incurring in violations against this regulations. Today XX/XX/XXXX the bank just make available {$220.00} from my {$510.00} check, after XXXX work days from my original deposit, in clear violation of your regulations. I call customer service and explain this regulation and customer service transfer me to the complains department. The complains department admit that the branch did wrong and call the branch for mor clarification unfortunatelly the manager was not there at XXXX am so a branch agent provide him the personal phone number of the manager. He call the manager but unfortunately he didn't answer the call. After all those fails tries he file an internal investigation against the branch because clearly is taking way too much time to get the money I worked to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received a text alert from Capital One about fraudulent charges. After reviewing the charges I agreed that they were indeed fraudulent. The charges are from stores I do not shop in and for products I do not consume and appear to be part of a spree : {$8.00} at XXXX 's on XXXX {$160.00} at XXXX XXXX {$55.00} at XXXX XXXX  {$39.00} at XXXX 's XXXX {$31.00} at the XXXX XXXX Despite the fact that all of these businesses are curiously near where I live and work, I have never frequented them. This particularly strange element is what leads me to believe that this is a case of identity theft, or, that someone took my card out of my wallet while my bag was unattended, made these charges, and returned the card. 

I followed the Capital One protocol for fraudulent charges on XXXX and immediately cut up my credit card which I found still in my possesion at the time I made the complaint. Capital One removed the charges from my account within the next few days. 

Today, XX/XX/XXXX, I reviewed my statements to see that the charges were again added to my account. I immediately called Capital One assuming there was an error. I was informed that according to their investigation, a chip was used for each of these charges and unless I lost the card I must have made the purchases myself. I explained that I did not make these purchases and would like to escalate my complaint. I then spoke to two more individuals with Capital One. The last person was XXXX, ID # XXXX, a fraud account manager. She told me there was nothing they could do and there were no more people I could escalate this claim to. I told her I would be filing a police report and informing the CFPB about this conduct because its really absurd. Additionally, when I asked about the method of investigation and how they came to their determination, they would provide me no information other then that which is in a letter that will be delivered to my home. It was clear that they checked off a box and wanted nothing more to do with me. Meanwhile, I am fearful what else this perpetrator has done with my information and have no idea how this even happened. I also don't have access to my card number because I cut up the card at issue and my app only has the new card number on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

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 2022-08-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One Attn : Dispute XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Capital One Cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Overview : I paid XXXX XXXX XXXX XXXX XXXX  to design a company website for my company XXXX XXXX XXXX. Payments dates and amounts are below : XX/XX/2022 {$400.00} XX/XX/2022 {$3900.00} XX/XX/2022 {$90.00} I visited the company website ( XXXX XXXX XXXX ) on XX/XX/XXXX and learned I was over charged by the agent for the services requested. I sent an email ( attachment XXXX ) on XX/XX/XXXX requesting cancelation and a refund. After several call and emails with the agent I filed a complaint with Capital One on XX/XX/2022. The funds were refunded to my account and Capital One requested and received a written response. I found out after the funds were again taken out of my account on XX/XX/XXXX Capital one didnot receive my written dispute. I sent additional letters ( attachment XXXX and XXXX ) to Capital One and has gotten a response the cases are closed. 

I have called and emailed the agent and the company settle the issue without a favorable response. 

XXXX XXXX  Agent : XXXX XXXX Senior Brand Consultant ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

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 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/22 a transaction in the total of {$490.00} was made to XXXX XXXX at XXXX, I physically saw the transaction in a pending state on my transactions list on Chime which cleared the following day ( XX/XX/22 ). I have two emails from XXXX XXXX that Ive already forwarded to chime that shows that I initiated payment from my bank account and the transaction cleared and the payment was completed. A week later on XX/XX/22 XXXX XXXX  emailed me that my payment of {$490.00} was returned to my account but for some odd reason when I go to my transactions on chime theres absolutely no history of me paying XXXX XXXX  {$490.00} on XX/XX/22 or them returning it back to my account on XX/XX/22. Its as if my money disappeared in thin air which I find to be extremely odd. I reached out to Chime support via telephone several times to no avail, I was continuously placed on hold and transferred from agent to agent. On XX/XX/22 I reached out to chime again and was told by a supervisor in the member services department that my issue was not a Chime bank issue and I should take it up with the merchant XXXX XXXX. I've been in contact with both Chime member services and the Disputes department since XX/XX/22 via email and I still find myself going in circles with representatives that's not looking to solve my problem. It's been over a month since my money has disappeared from my account and I need it back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: DE

Complaint narrative:
Im writing to Dispute a Billing Error in the full statement balance of {$8100.00} Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 



15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 



18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: FL

Complaint narrative:
Account # XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX 15 USC 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 account without my instruction 15 USC 1681 Section 602 A States i have the right to privacy

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 2022-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Transworld Systems Inc. sent me a collection bill that was paid on time and in full XX/XX/2021. TSI is demanding I pay in installments on a bill that was never late and has XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient has been giving me the back and forth on loans that were with them. They told me my loans had been moved over to XXXX. However, two loans were left with Navient and the way I found out was by getting a XXXX point decrease on my credit score. 

From what I was told by Navient and the news of student loans being paused and loans being moved from under Navient to XXXX, I was under the impression that I would be paying XXXX. These payments havent started yet but Navient put a 120 day late on my credit. 

Please help. 

Attached is a copy of my account record on these accounts with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX has downgraded my crdit score from XXXX to XXXX. All the other credit reporting agencies still have mine in the XXXX area. XXXX has recently been reported having incorrect credit scores that have adversly affeted consumers. 
Looking at the details in XXXX on my report, nothing significant has changed and and everything is reported that all payments are on time and no bad debt. 
Wht can I do to have them fix my credit score?

Company response to consumer: Closed with explanation