vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, 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 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 2022-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
I emailed XXXX XXXX multiple times requesting verification of the amount owed to XXXX. They are requesting {$510.00}, but I have an email from XXXX stating I only had one payment left of {$97.00} that was sent on XX/XX/2019. I offered a settlement prior to finding the email about only having one payment left, and then I rescinded the offer once I found the email. XXXX can not or will not tell me how they calculated the {$510.00}. He did respond recently stating his client states the email only states how many payments were left not the balance which makes no sense. The email says 1 payment left of {$97.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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 — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC

Complaint narrative:
In late XXXX of this year ( XXXX ) XXXX transferred a number of accounts to Citizens bank. 

Previous to the transfer to Citizens bank I had an XXXX credit card. 

In XXXX, I noticed XXXX fraudulent charges on my XXXX credit card which I immediately highlighted with XXXX for concern. The first charge was placed on XX/XX/XXXX for {$98.00} from a business called XXXX. The second charge was placed on XX/XX/XXXX for {$2.00} from a business called XXXX. Neither of these charges were placed by me. I have never heard of this business. Despite reporting these charges on the same day I received notice of these reports on separate days. ( If necessary I can share copies of the confirmation documents for these disputes ). 

In XXXX, I finally received notice of the confirmed unauthorized use of my card from XXXX ( sent out on XX/XX/XXXX ) and the cancellation of said card. In the associated call with XXXX I was told the charges would be canceled and I should use the Citizens card as my new credit card. ( I can also share a copy of this notice if that's helpful ). 

In late XXXX, following the transfer I activated my new Citizens Bank card. Upon using it for coffee in early XXXX, I went online to check my account and I saw an extra {$100.00} in charges. 

I subsequently called Citizens Bank on XX/XX/XXXX to alert them of the issue. I was told the issue would be escalated and I would receive a call back in the next 7 days. 

On XX/XX/XXXX I decided to send Citizens Bank the documents I mentioned above. 

On XX/XX/XXXX, having received no calls back, I followed up about this issue and was informed that the issue was further delayed because " CItizens Bank mail had been returned to them '' so they would need to reissue my card. ( I have no idea how this is possible because so much Citizens Bank mail arrived just fine and they sent the new card to the same address ). 

On XX/XX/XXXX, having still heard nothing, I tweeted about the issue which led to a conversation in direct messages with a Citizens Bank staff member, and I received a message that the issue was " being escalated. '' On XX/XX/XXXX I received a call that the " XXXX 's XXXX '' would begin " researching the issue. '' The fraudulent charges remain on my card and my online account will require payment of these fraudulent charges by XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2022-03-31 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: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2022-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S. Code 1692 - communication in connection with debt collection. 
This debt collection agency is require that I pay {$130.00}. On a debt that don't belong to me or is not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am unable to log into my Capital One Online account. After submitting documents verifying my identity, Capital One still can not resolve this technical issue. I have spent over XXXX hours with Capital One representatives and still this issue can not be resolved. 

In the latest attempt, Capital One rep, removed my Venture credit card from my Online Account and tried to re-associate this back and was not able to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I had a XXXX credit card. They switched over to Marcus. I tried to make the full pmt before the due date but the system was shut down for maintenance. I called and they told me not to worry I could make the pmt after Tuesday and they'd wave fees. I waited until Tuesday. Set up a new account. Paid the credit card off in full. They charged me interest. I called the company and they said they would issue a credit. The amount they were to issue the credit for was the total amount of interest charged. It was just over {$16.00}. They credited {$4.00}. I paid the balance off in full after using the card this past month. This resulted in a negative balance on my account. The credit card company owned me money. Now they charged me interest on that money they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
In XXXX of 2021 was contacted by phone by Receivables Performance Management ( RPM ). The rep insisted that I defaulted on a car lease roughly XXXX prior & said I owed more than {$1000.00}. I made it clear that this was not a debt I was responsible for & requested a copy of the contract I allegedly defaulted on be emailed to me. 
To date no such contract has been sent to me, rather a generic " claims letter '' was sent out via USPS & then the account was reported as being in default to the credit bureaus. The letter was a clear attempt to bypass fair credit reporting laws, as I was quite specific in my request for proof of debt & what was sent instead doesn't begin to PROVE I am liable. At best RPM is guilty of skirting the rules that govern the matter & at worse they are guilty of knowingly attempting to collect on an account that was closed in good standing.

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 2022-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
From XXXX to XXXX, XXXX XXXX Navient misallocated loan repayments, then capitalized the debt into the principal. This effected my credit score and put me in further debt without an ability to get out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I have been receiving messages from someone that I suspect of impersonating someone else on my XXXX account XXXX and on my XXXX XXXX XXXX. They had me transfer funds {$200.00} to another individual through my bank account using XXXX. The recipients name is XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Follow up to my previous Consumer finance XX/XX/XXXX complaint Proof of Deed of Reconveyance, per Real Time Resolution creditor response This notice is a CEASE AND DESIST Real Time Resolution a debt collector for XXXX XXXX XXXX ( company no longer in business ) recorded a Second Trust Deed Default XX/XX/XXXX in the amount of {XXXX} on behalf of XXXX XXXX XXXX. 

I have told this company many times I DO NOT OWE DEBT to XXXX XXXX XXXX and that I received a Deed of Reconveyance in XXXX, and I have not obtained any loans after XXXX. 

On XX/XX/XXXX, the first available appointment at XXXX XXXX XXXX XXXX Registrar-Recorder/County Clerk office at XXXX XXXX XXXX, XXXX CA XXXX, records show for XXXX XXXX XXXX, XXXX XXXX CA XXXX " No!!!! Deed of Trust owning any debt WAS NEVER FILED from XXXX XXXX XXXX after XXXX '' However, I did obtain from XXXX XXXXXXXX XXXX  XXXX XXXX Registar Recorder/County Clerk office, that On XX/XX/XXXX, XXXX XXXX XXXX filed a " Deed of Reconveyance ''. See attachments I'm asking Cease and desist all liens and/or Defaults affiliated with XXXX XXXX XXXX be removed from property located at XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I have been reviewing my credit report over the past month, which I have hadn't looked over it in the past 8 months. I have noticed discrepancies, unauthorized pulls on my credit report. I have called each company that has pulled report, all XXXX credit bureaus and I have tried to file a police report, per what the credit bureaus have told me to do and have not had any help in resolving this issue. I was told last week that I needed to file a complaint with the FTC, per XXXX and Equifax. I was told that this would be the only way I could get help with this issue, which is unfortunate. These companies are supposed to help relieve stress for the consumer, not drag them through hoops and stress. Below are the inquires I am disputing that were unauthorized nor an extension of any credit. I also have complaints about my correct spelling of my name and address on my credit report. On XXXX and Equifax I see many different variations of spellings of my name and many unfamiliar addresses. 
Equifax 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Navient sold my loan to Aidvantage. They never gave me an option to negotiate. Aidvantage then immediately capitalized ALL interest. I had never been made aware of this EVER and I asked many many many times if deferred interest would be added to the principal and Navient/Aidvantage always, ALWAYS said no. 

I was never told how this would happen. Now, they added interest to my loans as capitalized principal totalling over 45 % of my loan. I offered to make ump sum payments and they simple send the same message over and over - no. I will take this up with other regulatory bodies including State AG and other private pursuits. 

I tweeted this to XXXX head XXXX. Aidvantage said in a recent interview they serviced all CFPB and XXXX complaints. They haven't. This is a lie and I will no longer be taken aidvantage of by predatory loan issuers. The fines against Aidvantage say it all. 

XXXXCFPB NEEDS TO TRULY HELP AND FOLLOWUP ON THIS BECAUSE THIS TYPE OF PREDATORY NEGATIVE AMORTIZIATION AND DEFERRED INTEREST CAPITALIZATION SHOULD BE ILLEGAL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Fradualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit 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 2022-03-31 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: NY

Complaint narrative:
In accordance with the Fair Credit Report Act 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. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT NUMBERXXXX

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 2022-03-31 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I HAD A CREDIT REPORT JUST RECENTLY THE CREDIT REPORT AND SCORE IS GONE. 
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally financial XX/XX/XXXX. Fraudualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit 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 2022-03-31 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: Global Lending Services LLC
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX. Fraudualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: FL

Complaint narrative:
Sent debt validation letters to obtain the correct information, never recieved a response contacted the original debt collector and was told debt was never sent to collections. So who are these people saying I owe them XXXX when I never went to the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit 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 non-monetary relief