vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Back in 2017, a fraudulent Capital One Credit card was opened under my name. 

I have since then proven it wasn't me and Capital One acknowledges that. 

That being said, every time I try to apply for a credit card, I get denied because of this past account. 

The representatives are rude and they never wan na help me. 

I tell them time and time again and I'm always given the run around. 

I feel discriminated against and that's not right. 

Please have Capital One review my credit applications and give me the card I rightfully deserve. 

They can't keep getting away with doing whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report then I noticed that fraudulent accounts exist on my report. Please remove these accounts as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/2024, the account was brought current with a debit card payment made over the phone in the amount of {$610.00}. On XX/XX/2024, the account was reflected as current. Despite the account being reflected as current, I received a call from a PHEAA representative asking me to pay what was past due. At this same time, the associated checking account had a cleared charge for {$610.00} that was processed a day prior. This is what caused me to call in to PHEAA to ask why I was still receiving phone calls despite a payment being fully made a day prior. This is when I got PHEAA XXXX XXXX on the phone. The details of that conversation are in a separate complaint, because that complaint in and of itself should be separate based on the behavior of the employee. 

It's bad enough that PHEAA can not document their system properly to prevent calls from going out once a borrower makes payments. This adds another layer of distrust to the ongoing trust issues created by this XXXX. But for an employee to act in such a way that would annoy anybody just because a borrower calls in to voice their concerns makes the entire situation even more burdensome. 

As a side note, the representative who submitted the complaint against XXXX XXXX XXXX XXXX, was a representative who kept me on hold for a long period of time because I told her I did not wish for her to submit a complaint because I had submitted a complaint on her a few days prior. Both employees had a non-friendly demeanor and it would appear they were attempting to get me to hang up by being sarcastic or keeping me waiting. All this behavior, and these employees get paid. I feel sorry for the next group of people who have to deal with either of these employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: PA

Complaint narrative:
In XX/XX/XXXX, I was late on my credit card payment. I requested a Good Will adjustment on XX/XX/XXXX which was honored and my late payment history changed from " 30 Days Late '' to " Current '' on XX/XX/XXXX on the account XXXX XXXX XXXX XXXX. I had some fraudulent activity on my credit card so it was discontinued and a new credit card with a new number XXXX XXXX XXXX XXXX XXXX was issued. I immediately noticed that my payment history was changed from " Current '' to " 30 Days Late '' on XX/XX/XXXX. I inquired directly to the company and was told on one occasion to submit details pertaining to this issue via U. s. postal Service, which I did on XX/XX/XXXX. I waited until the next billing cycle and noticed that a correction had not been made. After contacting the credit card company again, I was told to submit a detailed summary of what occurred via fax and that it would go to the department responsible for these kinds of correction, the " Correspondence back office '' which I did on Monday, XX/XX/XXXX, XXXX.After going back and forth with the company being told that an adjustment would be made for the past ( 4 ) four months, I am at my wits end. It seems that this is retaliatorigal because I told a supervisor about the fair Credit Reporting Act and there violations. I have the necessary documents to support my claim. The name of the company is First Progress Credit card and they are located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX telephone number : XXXX and XXXX. Also, you will see my progress and decline since XX/XX/XXXX which some are erroneous to retaliate against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I just want to say that in regards to my last complaint I finally got my check in the mail today! Please remove the last complaint

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 monetary relief
Consumer complaint received 2024-03-02 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
The annual review of my escrow I dicated a shortage amd my monthly payment was raised to cover the shortfall. I was never notified of this shortage, the increase of my monthly payment, or the ability to pay the difference. I happened to login to my account and notice the charges and a dashboard message with option to add to escrow and avoid the new monthly payment amount. I subsequently made a payment to escrow for more than the required amount well before the due date. Flagstar took the new full amount including the escrow shortfall addition for the XXXX monthly payment despite my providing more than enough escrow, and despite their dashboard message explicitly stating the payment amount would not change if I made the XXXX time escrow payment, which I did. I want my monthly payment amount restored and I want a refund for the escrow overage I was charged in XXXX payment. I also want to be notified of these changes in the future as is legally required

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 2024-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
The debt was reported to all 3 bureaus during the months of XX/XX/2023. I reached out to the creditor immediately and requested proof of my ownership of this debt and the original contract. I never received a response! I have had XXXX XXXX XXXX  services for over a decade and have no knowledge of ever getting any XXXX products.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2024-03-02 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: VA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2024-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This is my third and final attempt to get exact and accurate validation of this alleged debt account. I requested a full account audit and proof of ownership ( purchase agreement ) and there has been no transparency. Resurgent Receivables LLC is reporting inaccurate and false information. There is no debt owed. The false misrepresentation to collect a alleged debt not owed by presenting account statements. It is my right to request proof of validation and Resurgent Receivables LLC is non compliant. There is no debt owed. If proper validation was done this would be no issue, please provide proof of validation and purchase agreement. The purcahse of a debt not owed is illegal with proper validation this would have been spotted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I had car insurance with XXXX and I choose not to renew my policy with XXXX and they sent me to Credit Collections Services.I sent CCS as well as XXXX as requested my declaration page for my new insurance which began on XX/XX/XXXX my policy ended with XXXX on XX/XX/XXXX XXXX acknowledged my last payment was XX/XX/XXXX and XXXX balance due, but CCS refused to acknowledge they received the documents showing there is no debt and have as of XX/XX/XXXX reported this debt to the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Student loan repayments started back up in XXXX. I received no notification that the debit amount would change from {$100.00} to {$410.00} a month. Moreover, the statements that Ive received for the last XXXX months do not support the amount being debited. The statements indicate {$200.00} as current amount due and no late payments are noted. The statement also notes an auto debit of {$410.00} which does not align to anything amount on statement. 
Ive called about this and they can not offer an explanation for the discrepancy. I spoke with XXXX on XX/XX/20 requesting my complaint be escalated to their complaint office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed a company by the name of XXXX for about 2 years. I never signed a legally binding document with this company or obtained any type of financing with them. This account does not belong to be and Transunion refuses to provide me with documentation proving that the account is mine. This account should be deleted and removed as it is violating my rights and fraudulent. Ive previously submitted both ftc and police reports regarding this account which have been ignored. In addition the account shows up as needs attention with 0 % left to pay on this loan. The information reporting is conflicting, the account does not belong to me, and its affecting my report leading to inaccurate credit scoring.

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 2024-03-02 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: VA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681s-2 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish your 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 2024-03-02 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX allowed someone to open up a charge account under my credit management, I found this on the XXXX report. I live in XXXX MN and have for decades. I have never been to XXXX XXXX, nor have I ever had a XXXX XXXX  credit card or credit balance, through XXXX XXXX or any other services. this amount is in credit of {$25000.00} the account number is ending in XXXX. If this could be taken care of I would be grateful. I do believe this may lead back to a person that is also using possible aliases like XXXX XXXX ( XXXX ) and XXXX XXXX, thru XXXX emails systems ; aka XXXX aka, XXXX. and the XXXX handle currently used on XXXX is XXXX in conjunction with the XXXX XXXX, and that was the name he gave me in the email letters that I have saved, his photos were the same as XXXX XXXX XXXX, I have the XXXX XXXX email also saved to my email, as twice now he has used aliases to solicit me through a relationship status for XXXXXXXX XXXXXXXX and it is a XXXXscam. I saw a news article written about XXXX XXXX and it had an author by the name of XXXX XXXX XXXX the guy claiming to be XXXX XXXX XXXXlso claims to be from XXXX South Carolina XXXX when he was using XXXX XXXX he claimed to be from Texas and claimed to work for XXXX industries as a XXXX XXXX representative. I have all the necessary info stored on my computer if you need more info like photos emails, addresses and such. thank you for looking into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I Bought new windows for my home. I financed them through ally bank. They dont listen well. Im not paying a late fee. I am one person taking care of my XXXX XXXX. The budget is tight. I pay my XXXX every single month. The issue is this company wont move the loan to a different due date. My mortgage is due on the XXXX. Im not missing a mortgage payment for this bank. I was a few days late. They charged me a late fee. They wont remove it I refuse to pay it. They wont move the loan. Ill be damned if Im going to pay them any extra for not extending courtesy. Now that I refuse to pay it. They just keep adding more on. Now Im considering getting a lawyer and suing them. Ive had it with them calling and demanding an extra XXXX dollars I need to buy supplies to take care of my XXXX. Im not rich. This bank is taking advantage. I also believe they are in violation of New Jersey law by not giving me a new due date which I requested. Late fees now totaling XXXX dollars. You cant charge a late fee for a late fee. Its not legal.

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 2024-03-02 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: VA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2024-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681s-2 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish your 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 2024-03-02 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: 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681s-2 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: MD

Complaint narrative:
I put in a fraud alert with the federal trade commission my reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: MD

Complaint narrative:
I put in a fraud alert with the federal trade commission my reference 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