vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is inaccurately reporting a balance on my credit. Please see the attachment directly from XXXX indicating that I have no financial obligation with them. This account was mistakenly reported delinquent due to the erroneous processing of XXXX XXXX XXXX. Please delete this account from my credit and erase the balance. Thanks. 

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 non-monetary relief
Consumer complaint received 2022-04-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 an 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 2022-04-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
1. Received {$50.00} Vanilla Visa Gift Card as a Gift XXXX, XXXX. Tried to use in XXXX, XXXX. Only {$15.00} available. Checked transaction summary. Charges were made for XXXX XXXX. Was not me. Sent email to Vanilla on XX/XX/XXXX for dispute packet. No response. XX/XX/XXXX cant get any info on gift card - " an error has occurred '' 2. Received {$100.00} Vanilla Gift Card as a gift XXXX, XXXX. Checked balance on or about XX/XX/XXXX. {$100.00} available. Immediately used the gift card as a payment for travel. On XXXX XXXX checked travel info and my payment was rejected. Checked transaction history. XXXX charge to XXXX on XXXX XXXX- this was not me. Have not contacted Vanilla.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello my name is XXXX XXXX and I had made some transactions regarding a service I was expecting. Further along the lines I ended up finding it was a fraud/scam and immediately contacted my bank when I learned about it. I made a claim/dispute with my bank regarding the fraudulent transactions made and they said they can not refund my money because I authorized the purchases and agreed. I have been scammed and lost exactly XXXX. If I were to have know the sooner about the fraudulent services I would have never allowed the transaction to be processed. Thank you.

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 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
In 2014 XXXX cell phones were sent to me, that I had not requested from XXXX. They did not allow mw to return these XXXX phones and wanted payment, which I said was not going to happen. They started a collection process in 2014, and I never paid a single thing to them on this account, and it was a constant harassment process from the collection agency, Jefferson Capital. Recently they fraudulently started another attempt to collect a debt from me on this old account which has been eight years from the first attempt, trying to make it appear as a new collection when in fact its more than eight years old. I have correspondence from those old collection efforts and I never paid a thing, because I never requested the phones in the first place. I still have the unused phones and XXXX willing to return them, but have no idea how to do so. 
Let me be clear the phones were never activated or turned on, they are still in the original boxes. Trying to regurgitate an old account as new should be criminal. 
I want this removed from my credit report, please help me get this accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
I have had major issue with Ocwen mortgage as y loan servicing, and now they are PHH, same bad practices. But recently I had to file bankruptcy to protect my home, I purchased my home in 2007 for $ XXXX, had a refi with Ocwen which actually was a modification after was completed, and they charged me {$20000.00} after applying the payments I continued to pay into a type of escrow, I called XXXX and was advised to refinance and leave Ocwen. I tried to leave with 3 different mortgage companys but they had to stop my refinancing due to Ocwen failure to send a valid payoff. Now I have had to file bankruptcy due to the loan servicing in XXXX my bankruptcy balance with PHH is {$56000.00}, loan balance is {$240000.00} and a negative escrow of over {$12000.00} ( not sure what for ) so I owe PHH {$50000.00} more than what I narrowed in 2007, my payment that was agreed in bankruptcy was my 2007 payment of {$1600.00} but they bill me every month twice that? Is the only way to get help with the Utah Attorney General? How do I protect myself and not loose my home when I have proven several times I can make my payment but they continue to XXXX me over? I need help! I am a single mom and cant afford to loose my equity and at the same time I dont deserve to loose my equity in over inflated fees?!?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I made a previous CFPB report about Transunion. Transunion retaliated, giving my information to the following companies : XXXX XXXX XXXX and XXXX XXXX XXXX. These XXXX companies began harassing me almost simultaneously by phone until I sent a validation letter asking them to contact me via mail only, explain why they think I owe them, list the breakdown of the total amount I owe, and my signature on the original documents from the original creditor. I asked them to do this within 30 days. They instead reported the debt to Transunion who didn't hesitate to place it on my credit report. This is not a coincidence.

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 2022-04-29 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: Torriere Holdings INC
State: CA

Complaint narrative:
I made a previous CFPB report about XXXX. XXXX retaliated, giving my information to the following companies : XXXX XXXX XXXX and XXXX XXXX XXXX. These two companies began harassing me almost simultaneously by phone until I sent a validation letter asking them to contact me via mail only, explain why they think I owe them, list the breakdown of the total amount I owe, and my signature on the original documents from the original creditor. I asked them to do this within 30 days. They instead reported the debt to XXXX who didn't hesitate to place it on my credit report. This is not a coincidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 an 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 2022-04-29 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I made a previous CFPB report about XXXX. XXXX retaliated, giving my information to the following companies : Credit Collection Services and XXXX XXXX XXXX. These two companies began harassing me almost simultaneously by phone until I sent a validation letter asking them to contact me via mail only, explain why they think I owe them, list the breakdown of the total amount I owe, and my signature on the original documents from the original creditor. I asked them to do this within 30 days. They instead reported the debt to XXXX who didn't hesitate to place it on my credit report. This is not a coincidence.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: OH

Complaint narrative:
I have disputed a transaction on XX/XX/22 for {$32.00} from XXXX XXXX. I did not make this transaction with my capital one credit card. In fact, capital one admitted this was a fraudulent charge and sent an email alert. See attached for screenshot. However, after filing a dispute, Capital one refuses to reverse the charge and claims that the card was present. Yet, Capital One refused to provide any proof to me of the transaction. I am just suppose to take the " word '' of the representative from capital one as final. Also, there is no option from Capital One to appeal either. Well, that is NOT good enough according to federal laws regarding fair debt collection and fraud. I can tell you that I did not visit a grocery store of this name. My only suspicion is that while at the pool at XXXX resort, my card was in possession by the waitress. It is possible that someone went to a store, swiped a transaction under an fictious or alias store name, which then triggered the Capital One to identify the fraudulent transaction and alert me via email. It is possible since that is a large resort with many stands. Regardless, it is NOT possible that I made this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Open Dealer Exchange, LLC
State: NC

Complaint narrative:
The dealership allowed many lenders to pull my credit at once And I wasnt aware

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX XXXX XXXX, and bankruptcy Acct # XXXX have 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 an 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 2022-04-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  Acct # XXXX XXXX XXXX, and bankruptcy Acct # XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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:
In accordance with the Fair Credit Reporting act, the following : XXXX. XXXX XXXX Account # XXXX XXXX XXXX, has violated my rights. 
XXXX. XXXX  XXXX Account # XXXX, has violated my rights. 
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 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 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is inaccurately reporting a balance on my credit. Please see the attachment directly from XXXX indicating that I have no financial obligation with them. This account was mistakenly reported delinquent due to the erroneous processing of XXXX XXXX XXXX. Please delete this account from my credit and erase the balance. Thanks. 

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 non-monetary relief
Consumer complaint received 2022-04-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is inaccurately reporting a balance on my credit. Please see the attachment directly from XXXX indicating that I have no financial obligation with them. This account was mistakenly reported delinquent due to the erroneous processing of XXXX XXXX XXXX. Please delete this account from my credit and erase the balance. Thanks. 

XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: OH

Complaint narrative:
15usc1681a 15usc1681 section 602a 15usc1681 section 604 Every information should be accurate on all consumer reports

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 2022-04-29 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: OH

Complaint narrative:
15usc1681a 15usc1681 section 602a 15usc1681 section 604 Every information should be accurate on all consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX an unknown individual walked in to a Navy Federal Credit Union branch, claimed to be me, and was able to withdraw {$8000.00} from my savings account. Navy Federal themselves became aware that it was fraudulent that day and called me to alert me of the fraud. A police report was filed. I submitted documentation to Navy Federal ( Form NFCU 82 ) on XX/XX/XXXX and again on XX/XX/XXXX stating that it was not me who withdrew the funds. It was confirmed via phone on XX/XX/XXXX that NFCU had received the documentation via their app. The funds were not refunded to me. I have spend roughly 5+ hours on the phone with Navy Federal to have them refund the account, three times I have been on the phone for over an hour only to have them disconnect on me. There has been zero progress as far as refunding the money. On XX/XX/XXXX I received a notice from NFCU stating they had received my submission ( form XXXX ) of fraud and that I would have a response after 10 business days. It has been 10 business days and I have not received my funds or a response. I have no further option than to pursue legal action. It has been 49 days since my NFCU fraudulently gave my money away and they have yet to return the money or communicate a plan to return the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
On XX/XX/2022 my account with Nissan was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : Nissan Motor Acceptance Company, LLC Client Account # : XXXX Our Account # : XXXX Original Creditor : Nissan Motor Acceptance Corp This letter acknowledges the receipt of payment ( s ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved. 
Amount Paid : {$760.00} Date Resolved : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
DEAR SIRS : C.F.P.B US. XX/XX/2022 XXXX XXXX XXXX XXXX XXXX. EGREGIOUS FRAUD BY CAPITAL ONE AS {$39.00} ANNUAL FEE [ See Art. [ The Capital One Quicksilver Credit Card has no annual fee and offers a flat 1.5 % cash back on every purchase you make, plus earn {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 
... 
Capital One Quicksilver Cash Rewards Credit Card. 
Regular APR ( % ) 15.24 % - 25.24 % variable Annual Fee {$0.00} ] SEE EGREGIOUS FEE.

CAPITAL ONE MEMBER FEE XX/XX/2022 {$39.00} XXXX XXXX XXXX XXXX never received Letter announcing It HIDE FEE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29 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: AL

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. 

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 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 XXXX XXXX XXXX XXXXXXXX ( ALL ACCOUNTS ) 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 an 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 non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I filed a claim With chase over a atm withdrawal of XXXX dollars on XX/XX/2022. My claim number was XXXX have proof as well another atm transaction of XXXX on Friday XX/XX/1241 am was tried. And I replied no at XXXX am. Who was at the bank at XXXX am trying to use the atm there was no duplicate card. No one has my card but me I was home sleeping at that hour with my debit card in my wallet.

Company response to consumer: Closed with monetary relief