vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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: PA

Complaint narrative:
For over 3 months I have been communicating with the Credit bureaus.I had two public record bankruptcies on my credit report. I contacted XXXX filled a dispute and they deleted from their data awe and my consumer file. For 60days now Ive been getting the run around with the credit bureaus on deleting this from my credit report. Under the fair Credit Reporting act 604 Im asking for these public records be removed. XXXX as informed that they will be filling a manual dispute as well as a unverified clarification dispute also. I spoke with XXXX at XXXX XXXX XX/XX/22 in regulates of this matter she informed that these filling will take additional 40-60 days which is unfair especially when these are not on my consumer report

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 2022-07-18 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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 2022-07-18 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account 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 explanation
Consumer complaint received 2022-07-18 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: SLM CORPORATION
State: MT

Complaint narrative:
Sallie Mae is reporting my accounts as having a balance. The accounts are closed and the balances are all XXXX. 

When I filed a dispute with the reporting agencies, Sallie Mae told them their reporting was accurate even though they know it isnt. 

All accounts have a XXXX balance and are closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grain Technology, Inc.
State: NC

Complaint narrative:
Most recently on XX/XX/22 I contacted grain tech by email which is the company that comes up on my credit report i let them know prior to this already, but thiswas following up and i let them know Ive contacted other bureaus and that this account is fraud / identity theft .. they they wanted me to provide a police report and i did, they responded saying but no evidence was found that would indicate this Grain account was involved in fraudulent or suspicious activity what they said would be incorrect because i didnt know anything about grain prior to reporting to the police or i would have told them plus my identity was stolen with my wallet .. social security card is on the report also ..so the grain company said they wont be further looking into it and i would like some help with this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN

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 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Placed a purchase on XX/XX/XXXX using Capital One Mastercard and the advertised cashback was supposed to yield {$14.00} ( 6 % ). Did not receive the reward on my card statement ( it is reflected as a credit ) within 3 business cycles. Called on XXXX XXXX. @ XXXX and spent close to an hour on the phone across 3 representatives, before being told a manual adjustment would be made. On my next statement, only {$1.00} had been credited. Called back on XXXX XXXX. @ XXXX, spent close to 45 mins on the phone before the representative submitted a claim for the balance. Told I should see the credit in 7-10 business days. Called back on XXXX XXXX, ended up spending XXXX XXXX on the phone across 3 representatives before they indicated that the right adjustment ( {$1.00} or 0.5 %, 5.5 % less than advertised ) was made. They also insisted that the % advertised on the date of purchase was 5 % and unless I had proof, they could not honor the 6 %. I left the call indicating I would be reporting them to CFPB and the XXXX. Because of prior issues with this merchant/program, I have been keeping a record of when I make a purchase, the amount, the cashback %, the cashback amount ( in $ ) I should receive, and the date of the statement when I receive the credit back. It was 6 % on XX/XX/XXXX and there is no way to prove that ( which I was asked to do on this last call ) unless I had the foresight to take a screenshot when I was in the system. Their system does not have an easy way to save that information for future reference and it is clear they are manipulating the percentages. They also change these cashback percentages frequently, so you may get 5 % today, 2 % tomorrow, and 10 % 3 days later. This merchant is cheating customers and have engaged in bait and switch to get you to use their program/card then not respecting their promotions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have an XXXX XXXXXXXX XXXX XXXX card through Commeity BAnk. UNDer XXXX there was never an issue redeeming points for an Account credit. I have {$6200.00} due to me in account credit. Even on the link it says you can use your pints for an Account credit. WHile trying to do this it says I ahve no balance, when I do. I contracted commetiy and they are saying you cnat use your pints for an account credit, when their site clearly says you can. WHen you call you get a run around. No one cna give me a straight answer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I hope you can help me with this problem that I am having with the credit bureaus, especially with XXXX. 

It turns out that I have been sending letters to their offices to investigate certain accounts reported in my report, but the only thing I have received in return is being ignored by them, I have been sending them letters for about 4 months and they still do not deign to answer me. I am tired of trying to repair my own credit and not seeing any results. 

In addition, XXXX sent me a letter saying that they had " Suspicion '' that I was working with a credit repair company, to which I sent them a letter in response. 

I feel that they are playing with my time and credit since in the first letter I attached my ID and a Bill as they indicate on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc.
State: MA

Complaint narrative:
My son is XXXX XXXX XXXX, has his own medical insurance and is currently in a billing dispute in the amount of {$400.00} with XXXX  XXXX XXXX regarding some tests his XXXX ordered. I am not a guarantor of his payment obligations to XXXX. XXXX. He is, of course, of majority age and notified them that I wasn't a guarantor. Nonetheless, I received a demand in XXXX from XXXX. XXXX for the {$400.00}. Additionally, in their demand I am concerned XXXX. XXXX violated my son HIPPA rights as they disclosed to me his medical records. 

I tried calling XXXX. XXXX, left a message and got no response. This occurred while my son was making a good faith effort to resolve the matter! Rather than responding to me, I just received a demand from a debt collector for the full amount. And again, my Son is actively engaged in discussions to settle the matter, yet XXXX. XXXX went ahead and either sold the claim or hired a debt collector to attempt to collect from me! This is an illegal demand and I am deeply concerned XXXX. XXXX is engaged in this practice with other patients. 

I have corresponded with the debt collector and XXXX. XXXX asking that they notify me in writing informing me I have no responsibility in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account 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 2022-07-18 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Debt collector is trying to collect a dept that is already paid. 

Referring to account numbers below. 

Account : XXXX {$31000.00} Account : XXXX {$570.00} Account : XXXX {$3100.00} All these charges are made up by someone at the XXXX facility. 

Amount of XXXX, XXXX was paid in full 0n XX/XX/2020 as agreed with XXXX XXXX Amount was deducted from my credit card by XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: PA

Complaint narrative:
XXXX XXXX  is a fraudulent account. I have provided the identity theft report to the credit bureaus and they will not remove. Can you please assist with removing this account off my credit file

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 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XX/XX/2022 XXXX, I am having problems with the XXXX, Louisiana Chase Bank harassing me. I was supposed to pick up a check at XXXX XXXX. XXXX for XXXX A.M. to pick-up a check because they closed my account at chase. I did a peaceful protest around XXXX A.M. No one was at the Branch! I spoke to one lady at a distant merchant she was going to another merchant. Well around XXXX XXXX, the police came to the scene. 
They told me that I was not allowed at any chase bank properties anymore, Really! Now I am wondering why? Also, they seem to not want to give me my money. The Corporate Headquarters Bank Customer representative I spoke to was named, XXXX. She was the one that sent the appointment up for me. I was on time. So now what do I do to get my money? I feel like they are discriminating against me. I did tell XXXX XXXX. Please Help! What step, or steps do I take next? I need some assistants. The person I was supposed to see name was XXXX. Thanks Sincerely XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
during the pandemic they froze my card on numerous occasions, and took of some money. thanks XXXX XXXX the amount was roughly XXXX dollars.

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 2022-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
My mom took out private student loans from Sallie Mae in XXXX  when I was going to college. 9 years after graduating I am still stuck with their predatory loans and struggle with the high monthly payments. I have 6 loans, each with a 10 % or higher interest rate, and the company, now Navient, does not allow you to consolidate. After almost a decade making payments on this account I still feel no further to having them down. 
Navient is in the middle of a settlement right now for private and federal studen loan borrowers, but I do not qualify because I wasn't deliquent for more than 7 months. I often worked three jobs and sometimes still needed my parents to help, and sometimes I missed payments, but never for 7 months consecutively. That unfortunately disqualifies me from the settlement. 
However, I am asking that I either get help consolidating these 6 loans into one more managable loan that goes to the principal balance, or that I have some of them forgiven. 

Thank you for considering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I disputed a total of 18 fraudulent transactions on my account on XX/XX/XXXX totaling XXXX, claim number is XXXX. During the initial reporting process on the XXXX, I attempted to send the police report I filed for these charges. I was also forthcoming about what the police department said ; they said it may be skimming because it happening in the area. I let them know I don't have the card at all, and they said it sounds like fraud. Still, the rep insisted they did not need the police report or any documentation. I called on the XXXX of XXXX to check on my account and why my funds were not available after FRAUDULENT charges occurred. I did not authorize anyone to use my card nor give anyone my pin number. They told me I would have my money back by the XXXX of XXXX but when I called today on the XXXX, I was told my claim was denied. 

I have no idea how it can be denied. I told them it is fraud, I did not give anyone permission to use my card. They asked for 'more information ' to do a second review but was not specific on what the more information was. The rep then requested I do another police report. I then told him to document I will be sending in the new police report, a copy of my CFPB report, FTC report and my letter of demand which is my intent to sue if they do not give my money back. 

According to the website it states : My contactless Capital One Debit XXXX comes with {$0.00} Fraud Liability, so you won't be responsible for unauthorized purchases if your debit card is lost or stole. This has not been upheld which is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2022-07-18 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This company performed an unauthorized hard inquiry into my credit via XXXX on XX/XX/2022. This was done after I submitted a complaint regarding being unable to access my online account due to ongoing " technical issues ''. As I hold an account with this company, soft inquiry from time to time is expected however a hard inquiry which causes a FICO score drop is entirely not expected, not the norm and unacceptable. I have not authorized any hard inquiries into my credit for two years as I will be applying for a mortgage and do not want the score decrease. Unless this company removes this UNAUTHORIZED INQUIRY, it will remain on my credit for at least 2 years. This inquiry needs to be removed from my report immediately.

Company response to consumer: Closed with non-monetary relief