vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
Paid {$3000.00} down payment on 2014 jeep XXXX XXXX. Brought it back multiple times. The first time being XXXX weeks after I bought. Had multiple recalls which they never addressed. XXXX of the recalls which has no remded to fix the recall. Nothing ever was fixed only cleared my check engine light then sent me on my way. I spent countless times emailing about the problem and trying to contact management. Which they never once got back to me. Then I decided to trade in the vehicle with all the problems I had on it. They decided my vehicle was only worth {$10000.00} because of the problems which they never fix or addressed to me while I had the car. I was left with nothing else to trade it in or not have a working vehicle. The vehicle I had gotten, had a broken headlight which when I had told the car salesman. He stated in text that he would have a new XXXX ordered and after XXXX weeks never gave me an update. Then when I had called today. They said they never ordered it and they werent going to fix it anymore. When I had bought the vehicle the XXXX had stated everything including the tires was in my warranty. Which was a lie. He basically told me XXXX thing and had me sign another after being in the car dealership for XXXX hours. This isnt the only problem Ive had with them either. I had purchased a XXXX wheeler from them and the second day the radiator fan had blew which was a {$400.00} fix. XXXX convinced everything there has multiple defects they hide to pass inspections. Which is straight fraud to the XXXX items Ive bought from them since XXXX, all of which have had multiple problems and they fail to help those issues. Ive spent over {$7000.00} in payments towards everything XXXX the $ XXXX I lost on my trade in they wouldnt add for my jeep cause it had recalls. XXXX just beyond stressed mentally as this has been my first time financing anything besides a house. And its been a complete nightmare! They wouldnt even ship me my papers for my car for XXXX weeks after I paid. They refuse to give me my down payment back from me originally buying the first car and refuse to give me my XXXX coverage money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2023, XX/XX/2023, and XX/XX/2023 I contacted Experian, XXXX, and XXXX to dispute a late payment reported by XXXX XXXX account XXXX XXXX 

On XX/XX/2023 to request validation of debt. 
Experian XXXX and XXXX report to me the debt is valid, yet the furnisher XXXX has not ever given me disclosures nor notification of finance charges, nor statements required by law. 

I demand XXXX remove the late payment from my Experian, XXXX, and XXXX consumer reports. It is damaging and and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Regarding Calvary Portfolio Services, Account # XXXX Good day, Please assist me for I have no where else to turn for Help. This collections account is showing negatively, unlawfully and inaccurate information on my credit report for months now. Ive first reached out to Calvary Portfolio since XX/XX/XXXX of this year when I found out about their existence on my credit report. Since then, Ive been calling Calvary asking for a validation letter, proof thats it is mine, and signed agreement, and still to this day, I have not received anything. Ive even reached out to Citibank. I saw on my credit report they were the original creditor, and asked for the same requested paperwork. They said to call Portfolio, they no longer own the account. Ive then tried XXXX, XXXX and XXXX, and they all kept stating its verified, but with no proof. All three credit reporting agencies have totally different information on this account showing on my credit report, so it doesnt make sense how they can verify the accuracy of this account without my approval, consent, or have any signed document giving the authorization or validating this account is mine.. 
First, its an account I have no signed agreement with and no prior written notice of. I have NEVER received anything ( physical paperwork, or phone call, email, nothing of the kind ) from Calvary or XXXX. Ever. 
Next, Its also an account that shows an address that I have no affiliations with : XXXX XXXX XXXX XXXX XXXX, NY XXXX My address which Ive for over XXXX is listed below. The attachment shows proof of that. 
Also, its marked as a charge off account since XXXX of XXXX, yet the balance continue to increase? That illegal. Legally, once an account is charged off, the balance freezes, but does not continue to accrue. So whoever this account belongs to, hopefully will catch that error as well. 
In addition, upon contacting both Calvary Portfolio and XXXX, the original creditor that sold the account, for validation of this account, including ID verification, its now XXXX months of repeated attempts per my request, but yet, Im still left with no documents from them proving this account is mine. 
Ive attached documents proving the horrible and disgusting means this companys false information is damaging on my credit report for I wish to have this permanently removed from all consumer reporting agencies. 
Im more upset over the fact that Ive tried for months reaching to all consumer reporting agencies, even requesting proof of their verification attempts, yet Im left with nothing, hence my plea to CFPB. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
The nastiest spirited people I have ever contacted. According to manager XXXX, which Im sure is XXXX, she claims She is not in the business of customer service when I explained to her that this entire process has been treated terribly. Not only did she make that disgusting comment to me as a client but insisted that its nothing she would do or suggest and basically told me that its all my fault any of this happened. Then she tried to hang up on me twice, belittled me by calling me hunny with a disgusting attitude. When I asked for her name, she only gave me a nickname and refused to tell me her full name. As you can see this isnt the first time this company has gotten a bad report for POOR customer service and its so sad that SUPERVISORS brag about not being in the customer service business. I would never recommend any facility that uses this firm, completely disgusting. Honestly the conversation was one sentence away from her being vulgar. Completely ruthless and disgusting approach and then she threatened to report to my credit and said Are you gon na pay or not?. The entire issue is that I no longer am in the area of the gym I attended and have called numerous amounts of times to cancel my membership. There was nothing explained to me at the start of my membership about cancellation policies. I have spoken with both XXXX XXXX XXXX and XXXX and they told me the ONLY way I could cancel is by coming in. Instead of cancelling my membership, they tried to shove incentives down my throat and completing negating the fact that I am no longer in the area. As explained to the supervisor, and she had the most disgusting and degrading response Ive ever received. Completely disgusted with this conversation. Our conversation took place on XX/XX/2023 at XXXX after have already being hung up on by another associate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX I called pennymac to inquire why I had fees assessed on my property after my SCRA protection was in place from XX/XX/XXXX. The agent confirmed that active foreclosure actions occurred a month after the foreclosure was halted. He later stated that those fees were supposed to be reversed and waived due to the SCRA under Section 203. After 15-20 minutes of talking to him talking to his supervisor, I was assured this case would be escalated to CARE 's to correct the monetary issue prior to recording the sale. XX/XX/XXXX I call in the morning to fin out from the customer rep that the complaint had only been put in that morning on XX/XX/XXXX. I again let them know the circumstances and the request i escalated due to the it being the day of recording. hours later around noonish of XX/XX/XXXX, I receive a call that a new payoff had been sent in with higher fees from interest. I call back and talk to a representative who identified herself as XXXX. She stated that everything that was previously stated by the first employee on XX/XX/XXXX was false and that there is a high possibility that he did not even speak. I again explained the situation and she stated this is just the way it is. When I brought up the SCRA XXXX stated that it only prevents a foreclosure from happening and when one is in the process the fees assessed continue to accrue. I mentioned that I believe the SCRA says differently under section 203. I also mentioned that their were active foreclosure actions taken after my SCRA was in place. These actions occurred almost a month after and she stated it was already scheduled to occur and that I was still liable for the fees. After my SCRA was in place I was assessed an estimated {$4000.00} of fees in winterizing the home, conducting inspections, turning on the utilities after they had shut it down, plumbing preservation, new locks for the home among others. All of this happened in or near XXXX which had been weeks after having my SCRA in place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive recently reviewed my credit reports and notice in accurate information and accurate name, variations as well as in accurate phone numbers and addresses which I believe led to an accurate credit reporting across-the-board XX/XX/2022. I was a victim of identity theft when someone removed money from my electronic benefit, transfer card From the ATM without even having my card, the car was in my possession the whole time and this was done proximately XXXX miles away from my location.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive recently reviewed my credit reports and notice in accurate information and accurate name, variations as well as in accurate phone numbers and addresses which I believe led to an accurate credit reporting across-the-board XX/XX/2022. I was a victim of identity theft when someone removed money from my electronic benefit, transfer card From the ATM without even having my card, the car was in my possession the whole time and this was done proximately XXXX miles away from my location.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Self Financial Inc.
State: CA

Complaint narrative:
Self lending has been Reporting on my credit and I am going and have gone through bankruptcy they are reporting as current charge off/paid they are not to continue to change results I am bankrupt and they can not collect or change their status they are attempting to update their account which can not be done I am legally protected through bankruptcy law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I have XXXX XXXX AmEx gift cards that don't work for any online purchases or bill pay. It's ridiculous that I can't use these cards online when 99 % of my purchases and bill pay are done online and all my information is correct to balance the gift card information and me as the payor. Why can't I use these cards to pay my own bills?? They don't work at stores online or bill paying and no one at Amex can explain why. I'm requesting the funds on my XXXX AmEx gift cards be issued to me via a check as I'm tired of trying to jump through hoop after hoop to use these cards. Is this how they get people to not use the cards so they can keep the funds? That's WRONG!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26 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: KY

Complaint narrative:
I XXXX XXXX consumer and natural person who is a victim of identity theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without my consent and also used that information to furnish. XXXX makes it clear that the consumer has a right to privacy which XXXX, XXXX and Equifax has violated my federal protected right to privacy by failing to meet the needs of XXXX by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insured that consumer right to privacy! Under the XXXX XXXX XXXX XXXX of 1999. I enclosed all documents social, ID and statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I filed a dispute with Barclays Bank on XX/XX/23 for over {$10000.00} for a vacation rental issue. At the time I had spoken with the merchant, who agreed with my complaint and said they would not contest the dispute. After a month, I received letters from Barclays saying they would not send the dispute to the merchant, first because I needed to try and return the " merchandise '' and second because services were provided. I requested multiple times to speak with a supervisor, and was told none were available. I finally filed a complaint with the XXXX XXXX XXXX which got a response from the " Office of the President ''. After speaking with this person, Barclays finally sent the dispute to the merchant on XX/XX/23. 

I am in possession of the response from the merchant, dated XX/XX/23, where they asserted that they accepted the dispute and would not contest it. I have called Barclays multiple times inquiring as to why the dispute has not been finalized in my favor, given the merchant 's response. Each time, Barclays says they are still investigating, and can not give me a timeframe as to when my dispute will be finished. Multiple times, I have requested to speak with a supervisor in the dispute department, to be told there are none available and that they will call me back within XXXX hours. I have received no callbacks at all. 

It is now almost 3 months since I filed the initial dispute, and 45 days since the merchant responded to Barclays accepting the dispute, and yet I still have no resolution. I have emailed and called the Office of the President, and have received no response. I have now filed a second XXXX complaint, since this seems to be the only way to get Barclays to do what they are supposed to do under the terms of the credit card agreement. They are essentially refusing to refund money that the merchant has agreed I am due. 

This is absolutely awful customer service, and really has me wondering what Barclays would do if I actually needed them to advocate on my behalf, as opposed to the open and shut case that I just need them to process correctly.

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