vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I was checking my credit report and I have unauthorized credit inquiries on my credit report that needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I was checking my credit report and I have unauthorized credit inquiries on my credit report that needs to be removed 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
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..

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 2023-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
I received a call from Bonneville collections ( ref # XXXX ) on XX/XX/XXXX & talked to XXXX. I requested to have proof of the collection via email. He said he can not do that. He said that theyve emailed me this information ; however, I never received this email. He says he has proof that the email went through without issue so I asked him for proof of that so I could see when it was sent and he said he could not do that. I said how do I know hes not some scammer trying to get money from me. I said I needed something in writing to confirm the charges. He said he can not do that either. So I said how can I confirm this is real? He said to come to the XXXX location. Then accused me of yelling at him. I wasnt yelling, but dumbfounded that he couldnt send me anything I dont think thats right. The bill was for my son XXXX from XX/XX/XXXX at XXXX XXXX. I then called them asking why I didnt receive a bill. After talking with their billing department they were able to see that somehow the communications such as billing was turned off. 
I paid them the same day and she was able to fix my account. I dont think its right that he couldnt send me anything to prove that he was legitimate. I finally received a letter in the mail today XX/XX/XXXX, but its already paid. How can someone collect without any proof?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer to furnish an account without my written consent. 15 USC 1666 B : A creditor may not treat a payment to a credit card an open - end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Mortgage rate of 10.040 %, Mortgage reduction program which double the interest rate to the present rate of 10.040 %. Which did not change a thing only a low mortgage payment and double the interest rate over a 15 yr. period. The one thing that I was seeking was lower monthly payments and a lower interest rate. It didn't happen.

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 2023-03-10 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer must furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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:
The Credit Bureaus XXXX, Equifax, and XXXX have listed on my Credit Report, XXXX XXXX XXXX and Original Creditor 12 XXXX XXXX in the amount of {$3700.00}. The issue is this shows as opened XX/XX/XXXX and that the Account is OPEN and all of that is Categorically False!! I have been with XXXX since XX/XX/XXXX making this debt over XXXX XXXX XXXX which should of been removed. 

These creditors do this all the time change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice is unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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:
The Credit Bureaus XXXX, XXXX, and Experian have listed on my Credit Report, XXXX XXXX XXXX and Original Creditor 12 XXXX XXXX in the amount of {$3700.00}. The issue is this shows as opened XX/XX/XXXX and that the Account is OPEN and all of that is Categorically False!! I have been with XXXX since XX/XX/XXXX making this debt over XXXX XXXX XXXX which should of been removed. 

These creditors do this all the time change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice is unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with 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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I lost my wallet and requested a new debit card from Ally bank via their website on XX/XX/XXXX. The website stated that my new card would be delivered via expedited shipping in 1-3 business days. I still did not receive a card on XX/XX/XXXX. I chatted with customer service online, as well as on the phone ( I spoke with both XXXX and XXXX XXXX. They informed me that the website is incorrect and that I would not receive my debit card for another 3-4 business days. They could not provide a tracking number. If the new card arrives in the next 3-4 business das as promised, I will have been without any access to my money for 10+ days. 

I trust the information provided on Allys website to make decisions about my finances. Ally failing to ship my new debit card in the timeframe they promised me as caused me considerable trouble and stress. I am very upset about this situation and I would like my new card sent immediately.

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 2023-03-11 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: Pendrick Capital Partners
State: TX

Complaint narrative:
In accordance to with the Fair Credit Reporting Act, Pendrick Capital Partners, LLC, 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 602 A Section II also states that a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: DFC Global Corp.
State: FL

Complaint narrative:
My name is XXXX XXXX. My XXXX XXXX checking account number is XXXX. In XX/XX/XXXX, I applied for payday loan for {$1000.00} at The Check Cashing Store store # : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX . The first payment was paid on XX/XX/XXXX in the amount of {$260.00} to DFC Global Corp from my XXXX XXXX checking account. On XXXX XXXX the second payment was paid in the amount of {$260.00} to DFC Global Corp from my XXXX XXXX checking account. On XX/XX/XXXX the third payment was paid in the amount of {$330.00} in person at the following location : The Checking Cashing Store XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. On XX/XX/XXXX, the four payment was paid in the amount of in the amount of {$260.00} to DFC Global Corp from my XXXX XXXX checking account. I was told I only made one payment on the loan however, I made four payment towards the payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On or about XX/XX/2021 Portfolio Recovery Associates LLC apparently purchased my debt from XXXX  XXXX. This company has attained my personal information without my written consent which is a violation of 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-10 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:
in accordance with the fair credit Reporting act XXXX  Account ( XXXX XXXX bankruptcy filing ) has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 28 usc 4852 A party may remove any claim or cause of action in a civil action other than a proceeding before the United States Tax Court or a civil action by a governmental unit to enforce such governmental units police or regulatory power, to the district court for the district where such civil action is pending, if such district court has jurisdiction of such claim or cause of action under section 1334 of this title.

( b ) The court to which such claim or cause of action is removed may remand such claim or cause of action on any equitable ground. An order entered under this subsection remanding a claim or cause of action, or a decision to not remand, is not reviewable by appeal or otherwise by the court of appeals under section 158 ( d ), 1291, or 1292 of this title or by the Supreme Court of the United States under section 1254 of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: OH

Complaint narrative:
in accordance with the fair credit Reporting act XXXX  Account ( XXXX XXXX bankruptcy filing ) has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 28 usc 4852 A party may remove any claim or cause of action in a civil action other than a proceeding before the United States Tax Court or a civil action by a governmental unit to enforce such governmental units police or regulatory power, to the district court for the district where such civil action is pending, if such district court has jurisdiction of such claim or cause of action under section 1334 of this title.

( b ) The court to which such claim or cause of action is removed may remand such claim or cause of action on any equitable ground. An order entered under this subsection remanding a claim or cause of action, or a decision to not remand, is not reviewable by appeal or otherwise by the court of appeals under section 158 ( d ), 1291, or 1292 of this title or by the Supreme Court of the United States under section 1254 of this title.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX is not doing their job I sent certified letters and fax them

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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My husband received a text stating " Free message : XXXX just attempted a transaction on your account? Answer Yes/NO, if it was not you, you will receive a verification call from our customer service number '' from XXXX ( XXXX ) XXXX. He answered " no '', and our XXXX account sent a {$1500.00} payment to his ex-wife out of our checking account. She then got a text asking if she was expecting a payment from him, she said yes ( we are paying her monthly {$150.00} for their daughter 's cell phone ), and then the funds were diverted to another account. I disputed this charge with my bank ( Chase Bank ). They initially credited our account with the stolen funds, but today they took back the {$1500.00} saying that the debit is valid because my husband approved the XXXX payment and it went to a person we've Venmoed before. This was around a month ago. XXXX said this is a common scam, but Chase said they will not give us our money back. They would not let me speak to the people who determined the matter, and they said I can only dispute the matter via fax or letter. They said they have sent me a letter in the mail with the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Name is XXXX XXXX I have been fighting with Experian for months. I was told can no longer dispute the incorrect information please help with this matter.

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 2023-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I have been paying the loan as scheduled never having a late payment. I have call serval times to try to refinance the loan and every time I call they response with I am not eligible. 
I have also asked for other types of help and they just didnt have anything to offer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I was contacted regarding my student loan debt about a student loan forgiveness program by Processing Direct. After much deliberation and asking many questions with answers of assurance this information was correct I agreed to pay {$75.00} every 2 weeks for 4 months and as long as I recertify yearly for the next 4 years and make less than {$120000.00} a year the remainder of my loan will be forgiven at that point through a revised pay as you earn program where I will owe $ XXXX  monthly after the initial {$600.00} is paid. After all 8 payments cleared I received a letter from federal student loan services about my request for loan consolidation with a pay as you earn loan for a monthly payment plan over a 10 year time. I called and spoke to someone where the letter cane from and cancelled that loan and he gave me a number to CFPD illegal activity because he said there are no forgiveness plans by those guidelines given by Processing.Direct. Reported through the phone number and was given this site to file a report. This company is lieing and taking advantage of people by misleading them into thinking they are doing something to benefit them when they aren't. Taking money from people and their families while providing false assurances and information. I can file for pay as you earn through my student loan company. None of the money they took went towards my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Me and my father who is deceased now purchased a car back in XXXX from XXXX XXXX XXXX it was a XXXX XXXX XXXX he was my cosigner for the car it was financed threw wells fargo auto loan and since my parents passing I have moved around so my mail hasn't caught up to me I received a letter in mail but it never got to my hands it was addressed to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX nm I would like to know if I am entitled to any part of the lawsuit they had in XXXX XXXX my had been repossessed with a lein and towed by XXXX XXXX of XXXX nm I would like to know if there's anything wrong with what happened in which I never received any letters or phone calls in briefing me about the situation since my parents passing its hard to get the info from wellsfargo since it's been so long they give me no corporation in the account info

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
incorrect information on 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 explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 name : XXXX ( XXXX... ) Account name : XXXX ( XXXX... ) Account name : XXXX XXXX XXXX ( XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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