vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates Inc was removed from my credit report and re added to my credit report at a later date hindering me from receiving new lines of Credit. Have always had Credit cards with the company they are claiming I own and my accounts have 100 % payment history. Which means there is no way any accounts went to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: WA

Complaint narrative:
someone opened or tried to open an account with my name and social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im not understanding how can yall still report active duty on closed accounts Im not understanding why yall are not listening to me what are yall still telling me Im lying so if Im saying its not me yall say its caused the company says its a match, so my identity information was stolen so you telling me its a match and Im a liar well Im telling you guys its not me its not fair to listen to them and not me Im a customer and Im very unsatisfied cause of the way Im being treated Im being treated as yall dont care about the victims of identity theft,, Wat would you do if it was you and they do yall this it wouldnt feel nice please removed those closed accounts and those negative items on my account please its not me please stop reporting closed accounts on my report dragging my score down worse than wat it is please

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 2022-10-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name Account # ( 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. 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 a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name Account # ( Last 4 ) 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 ( last 2 ) XXXX  XXXX XXXX 15 USC 1681 Section 602 A. 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 a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I recently checked my credit report history and seen there was inaccurate information on my account in regards to XXXX I did not sign for nor I did agree to this account being open i am filling this complaint to ask that it be removed from my credit history the account number is 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 2022-10-17 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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX they have a balance of XXXX and the company is giving me two different balances one is XXXX Trans Union as account # XXXX, the company as XXXX I have sent a complaint regarding this issue, and have not been corrected. I have sent the issue to all three credit report agencies, and the only one that didn't remove it from my credit report is trans union. XXXX and XXXX deleted it off my credit report, but Tran Union hasn't. they sent me a letter saying that it is verified, but nothing was changed on my credit report. I sent documents showing proof the information was incorrect, but they didn't fix anything, and nothing was changed. I need them to fix the issue. 

XXXX XXXX : # XXXX, XXXX, XXXX, XXXX XXXX  : XXXX, XXXX, XXXX XXXX, XXXX, XXXX All of these accounts were in forbearance ; they were never late and were under a law suite the payment was on a freeze. I have sent them letter after letter they still have not corrected the issue and never fixed it on my credit report. They show they have the account twice on my credit report with two companies. I want them to resolve the issue. They sent me a letter saying they Verified but they didn't do anything to fix yet XXXX has fixed it. 


If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the data is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XXXX XXXX XXXX, I made a payment on my Barclays credit card. The amount was for {$750.00} which was the total balance as I pay off my credit cards each and every month. After making the payment online and on time. I received a notification from XXXXXXXX XXXX which stated that the account was sold to them and that I owed them {$750.00}. I told them that I had already paid the account and that it was made out to Barclays bank as they were the current owner of the time that payment was made. I was then sent back forth between Barclays Bank and XXXXXXXX XXXX in regards to the payment. XXXX stated that they never received the payment and that if I didn't make a payment they would report me late. Because my credit is impeccable I didn't want to chance it. So I made an additional payment to XXXXXXXX XXXX in the amount of {$750.00}. I then filed a complaint and was told that an investigation would be started to resolve it. I ever provided both Banks with copies of the initial payment that was sent to Barclays back in XXXXXXXX XXXX XXXX. It is now XXXX and I'm still out {$750.00} as a result of there inept ability. I contacted Barclays Bank just last week and spoke to a Supervisor for over an hour trying to resolve it. The supervisor conveyed to me that it would be resolved in under 24 hours after speaking to her. Several days later I received an email stating that the account was sold by Barclays Bank and that will not investigate any further. This is XXXX! I called Barclays Bank back was told too Bad I need to contact XXXX XXXX since they are now handling the account. When I called XXXXXXXX XXXX back they said it's matter with Barclays. In other words, I've been given the complete runaround and I'm at my wits end. I tried taking civil action against Barclays Bank. However, they don't even have an agent for service in regards to small claims matter. I really need your assistance. Thank you in advance 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 2022-10-17 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have been with BJ 's Comenity Bank Card since XXXX. I am listed a having positive activity never late always paid in full no matter how high the balance. On XX/XX/XXXX I placed a special order with XXXX XXXX using the Bj 's Comenity Card in order to place the order with an approximate delivery date in XX/XX/XXXX. In the interim there had been fraud on this card. I reported it to Comenity Bank and they issued a new card with a new number. I had an issue with Comenity and wound up closing this account as well. The last transaction on the new card was XX/XX/XXXX. Both accounts were paid in full and both accounts were closed. I now called XXXX XXXX to give them a different credit card company to use for when my order was to be processed. I then receive a statement from Comenity on the new account which was closed with a posting date of XX/XX/XXXX for a purchase mount {$2300.00}. I still had not received the order and this was put through on a closed account. I contacted XXXX XXXX and was told there was a mix up and they used the Comenity Card instead of the new card I had provided. I canceled the order with XXXX XXXX and they issued 2 credits XX/XX/XXXX {$2100.00} and XX/XX/XXXX {$260.00} = {$2300.00} Credits applied to original Comenity account the only card XXXX XXXX had on file. I then called Comenity and was told they would put in a dispute. I asked how could they let a charge go through on a closed account and was told they had the right since the card was used as a hold back in XXXX. I informed them about the credits as they said they would look into it. The credits were uploaded to Comenitys secure website. Everytime I called I spoke wit someone different and my confirmation was always the dates I called ; with no results. I asked how is it that you can find the latest account which I never gave to XXXX XXXX  to bill me and now you can't find the original account to credit me since I was told both accounts were linked. I am receiving statements with late fees and interest and harassing phone calls to my cell and home number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
My Chime banking account has been hacked. They have refused to refund the money that was spent in some XXXX shop. I live in Ohio. I've proven to them all of this and still haven't got my {$380.00} dollars back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2022 I received a notification from my XXXX Credit Report that I have a new auto loan through CAPITAL ONE AUTO FINAN. On XX/XX/2022 I sent CAPITAL ONE AUTO FINAN a debt validation letter in which in that letter I gave CAPITAL ONE AUTO FINAN 30 days to reply or validate the debt. In which they never did, it's XX/XX/2022 and they still haven't replied. On XX/XX/2022 I received another notification on XXXX XXXX stating that a change has been found with CAPITAL ONE AUTO FINAN account in which it stated that it was a late payment. Keep in mind that I received another notification from XXXX XXXX on XX/XX/2022 in which it states that I have paid off 15 % of my auto loan. Now in XXXX, XXXX, and XXXX it wasn't reporting anything then all of a sudden on XX/XX/2022 CAPITAL ONE AUTO FINAN started reporting falsely. In the Fair Debt Collection Practices 15 U.S.C. 1692 ( g ) ( b ) Disputed Debts says if the consumer notifies the debt collector in writing within the 30 day period described in this subsection ( a ) debt or portion of therefore, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt or, any disputed portion therefore until the debt collector obtains verification of the debt or a copy of a judgement, or the name of the original creditor and address. See XXXX XXXX XXXX XXXX XXXX. Now I thought that this was what was going on in XXXX, XXXX, XXXX. Now all of a sudden CAPITAL ONE AUTO FINAN on XX/XX/XXXX, started reporting on my Credit Report without them validating the debt. It's a violation for a Financial Institution to falsely report on my Credit Report knowing that it contains a billing error. This is also violation of XXXX5 U.S.C. 6821 ( a ) # 2. How is it that these Corporations can do this and knowing know that they are reporting falsely? In my XXXX Credit Report in my account details it states in the remarks Dispute resolved; reported it by grantor. Now I don't know why CAPITAL ONE AUTO FINAN would falsely report this however this is defamation to my character and it's a violation of my rights as a Natural living human being and a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Personal Information incorrect on my credit file ie : Name XXXX XXXX ( legal name is XXXX XXXX XXXX XXXX ) please remove XXXX XXXX Incorrect address never lived at this address XXXX XXXX XXXX XXXX XXXX, Texas 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 2022-10-17 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: TX

Complaint narrative:
Personal Information incorrect on my credit file ie : Name XXXX XXXX ( legal name is XXXX XXXX XXXX XXXX ) please remove XXXX XXXX Incorrect address never lived at this address XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I have been making online payments for my mortgage since opening an account with the money source. Directly after making a payment the money source send notification confirming that a payment has been processed. Today for the first time in history with this company. I received notification in the mail stating that my payment was returned for nsf and since this has happened multiple times. I now have to send certified funds. 

I contacted the company to try and rectify this issue. And was only met with argument from the manager and customer service agent. According to him their system shows that I was notified. However when logging into their system there is no record of such notification on my side. I am attaching a copy of the letter received in both email and online. As well as a screenshot which shows all documents and communication from the money source received to date. The issue is that certified funds and wire transfers are a huge inconvenience and will cost me additional money. We are currently in an economic crisis. And the company is penalizing me for their lack of communication and poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Ardmore Finance Corporation
State: MO

Complaint narrative:
XXXX finance let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX finance continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX finance to dispute the debt only to get cussed at

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, 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 2022-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Sent XXXX on XX/XX/XXXX and the website informed me the money would be available to the recipient on XX/XX/XXXX. I filed a complaint with paypal and the website informed me that my complaint would be responded to by XX/XX/XXXX. See attached screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
My loan was with XXXX XXXX  and I asked why it wasnt updating the payment counts with the expanded forgiveness program they said they would before transfer and did not. I have tried numerous times to call mohela who the loan is with now and you can not talk to an agent. The 1st i talked to an agent about my loans the amount of processing went from 10 days to 3 months in that phone conversation. They could not tell me if all my paperwork with transfer with the loan like my pslf certification paperwork. Since the loan has uploaded in the system it still has not uploaded the payment counts with the expanded pslf and Ive spend hours upon hours on hold waiting to talk to an agent and it never happens. I want the payment counts with the expanded pslf payment program updated before the program ends this month and information on when will updated but you can not talk to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX  XX/XX/2022 {$1000.00} ( XXXX XXXX  was duped, conned, unwittingly deceived tricked into transferring funds for product I NEVER RECEIVED. When asked for my money back from XXXX first then Zelle, then ( XXXX ) I was told NO. Come to find out, EARLY WARNING SERVICES LLC ( Zelle ) is owned by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( my bank ) had told me they had no relation to Zelle!!!! thats a lie!

Company response to consumer: Closed with explanation