vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 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: Penn Credit Corporation
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act PENN CREDIT CORPORATION 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 reporting agency can not furnish a 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 a late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Received emails from Bank of America stating an application was placed under my name, a confirmation that the application was being processed, a confirmation that the application was approved, and then an email change request notification. I called Bank of Americas fraud department and they closed the account.

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 2022-12-03 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: COLLECTIONS UNLIMITED OF TEXAS INC
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 a so states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat u 6338 payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
You should investigate all XXXX  companies. 

It appears they are allow My merchants to get paid without delivering products. Its a revenue recognition issues. 

Example. I buy something on XXXX XXXX. I use Afffirm to pay. Half my order ends up taking an extra six months to be delivered. As a consumer I keep paying Affirm. XXXX XXXX got to recognize that revenue 6 months earlier than they are really supposed to and me as the consumer has no furniture during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On Friday XX/XX/XXXX I requested a credit line increase on XXXX of my credit card accounts I have with Capital One Bank I have a Saks Fifth, XXXX and Quick Silver which are all financed by Capital One I was approved on My XXXX credit card original credit limit {$1500.00} new credit limit {$4500.00} Saks original credit limit {$750.00} new credit limit {$2700.00} which were both done with a soft pull to my credit my Quick silver was denied for too many inquires when I only had 2 inquiry and the balance was too low when I have paid the card in full so the reason for denying me is a complete lie I have been a customer with Capital One bank since XXXX and I believe it is unfair to be mistreated and denied for false information. This is discrimination and I would like the decision reconsidered knowing that I was approved for 2 credit line increases on the exact same day with the bank I have attached showing the inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank, XXXX XXXX XXXX stated that my account was closed with my consent on XX/XX/2022 on XXXX XXXX, but I didn't closed my account, I didn't closed any account. I have requested for a supervisor to revise the recorder call on that day and I didn't receive any response. I reported to XXXX as well with out resolving because Synchrony mention that closed my account " per customer request ''. 
I want to have my account reinstated and resolved my credit score as well.

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 2022-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/22 - opened a fraudulent application with Capital One XX/XX/22- received a letter saying my application was denied XX/XX/22 - called Capital One and requested statements associated with the fraudulent card and reopened investigation giving them the potential person I thought it could have been to open the card under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
I filed a complaint with the CFPB about this company putting my account in the negatives a few months back for a disputed transaction that was finalized. On XX/XX/2022 I went to the post office and tried using my debit card and the transaction declined. I had the money in my balance and it did not state why the purchase declined. I messaged cashapp through the app to see why. They informed me that my card is deactivated but did not state why. They deactivated my card in retaliation to me filing a complaint about them going back on their word. If I violated the terms of service then my account should have been completely gone but instead they suspended my card causing me embarrassment in the post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I have tried to Dispute 3 multiple times via XXXX, theres no response and every time the Dispute gets updated and never gets deleted.

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 2022-12-03 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights.15 USC 1681 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat 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 2022-12-03 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: HYUNDAI CAPITAL AMERICA
State: GA

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

15 USC 1681 Section 602 States I have the right to privacy.

15USC1681 Section 604 A Section 2 : It also States a consumer reporting agency can't furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2022-12-03 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: AES/PHEAA
State: VA

Complaint narrative:
In acordance with the fair credit Reporting act my rights have been violated. 

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agecy can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: EGL US, LLC
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 reporting agency can not furnish a 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was removed from my report and added back after everything was verified as not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AZ

Complaint narrative:
XX/XX/2022 i was charged {$220.00} by XXXX that same day the order was canceled and I was charged for 1 item which left me with {$210.00} for a refund. XXXX released the funds that day. On XX/XX/2022 my bank account chime settled the transaction and then put it back into pending. I called chime and they said XXXX was responsible for the pending transaction I called XXXX and the billing department explained they released the hold they had on the account and a refund was issued and it was up to chime to release the funds. I again called chime and they said XXXX didnt release the funds. From then on XXXX me and chime did a conference call in which XXXX billing explained they released the funds and chime should release the funds on my account as well they then informed me I would not be getting my refund. I have called chime over 10 times and no one can explain why the transaction settled then went back into pending or why or where are my funds in the first place. They WILL not help me they will not answer my questions and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: MA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, l certify that l am permitted by FEDERAL and STATE LAW to fle this dispute also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U S C 1001 Additionally these misstatements are punishable as perjury under 18 U.S C 1621 This colle ction found within my credit report are nol relaled to any transaction that made / am eleging that a person or company - without my authorization- used my personal identifying information to apply for goods, services. or money and was successful in creating some accounts all are being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
A copy of my credit report I received from Equifax and seen items that was not mine and circle them reporting that they was inaccurate. That is causing a adverse impact on my livelihood. They are reporting inaccurate outdated information address names accounts. 

XXXX. XXXX XXXX ACCOUNT # XXXX XXXX. XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, Sent Equifax on all about XX/XX/2022 notice and a copy of 605B of the Fair Credit Reporting Act. Affidavit of Residence Affidavit of Identity Theft. And Equifax failed to do their job!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.15 USC 1681 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX, during the mortgage crises, I applied for a loan modification with the assistance of XXXX. After a very long process, I was finally given a loan modification that included a XXXX XXXX XXXXXXXX XXXX of {$47000.00}. According to the XXXX program and XXXX XXXX, the deferred amount should be reduced to XXXX XXXX XXXX XXXX in good standing. 
I have had over XXXX XXXX of good standing but never had the deferred amount reduced. I contacted Chase regarding this error and was told that my modification was not XXXX and therefore, I did not qualify for the benefits of the XXXX program, including forgiveness of the XXXX. 
I contend that I was wrongfully placed in a non-XXXX modification even though I qualified for a XXXX and all of the benefits that includes. 
For supporting documentation I have a letter from Chase dated XX/XX/XXXX that stated that I was qualified for the XXXX modification. 
I do not believe it is a fair practice to be placed in a modification that provides for fewer benefits than XXXX that I qualify for. The resolution I seek to this matter is to have the benefits of the XXXX modification applied to my loan. Specifically, I would like the deferred XXXX of {$47000.00} forgiven and reduced to XXXX as per the benefits of the XXXX program and XXXX XXXX 
Supporting Documents XXXX. XXXX from Chase dated XX/XX/XXXX, advising " Congratulations! You are eligible for a XXXX XXXX XXXX '' XXXX. Letter from Chase dated XX/XX/XXXX stating my loan was processed as a Chase XXXX and not a XXXX XXXX XXXX 
XXXX. Letter from me to Chase, dated XX/XX/XXXX, requesting forgiveness of the the deferred amount based on XXXX program benefits and XXXX  rules. 

Thanks for your attention and assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: TX

Complaint narrative:
On Sunday XX/XX/XXXX I went to XXXX to search for a used motor vehicle. In an effort to gauge my qualification for approval, I filled out the sites pre-approval form. The results stated that I was not pre-qualified. On Sunday XX/XX/XXXX at XXXX, I received an email stating that the dealership would reach out to me concerning my inquiry for per-approval. On Monday XX/XX/XXXX I received several notifications that a hard inquiry had been placed on my credit report from each of the major credit bureaus. I did not authorize XXXX XXXX XXXX XXXX to run a full application for auto financing, yet they took it upon themselves to do so anyway, I advised them that I would file a complaint if the hard inquiry was not removed and I have not received a response from them since doing so. The representative I feel may be responsible is the sales person by the name of XXXX XXXX who may be contacted at XXXX or by calling ( XXXX ) XXXX or ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2022 I received a call from a Chase listed telephone number, ( XXXX ) XXXX. The caller explained that my card was compromised and had been used in two transactions. The caller had NPPI information such as name, address, account number. The caller was in fact a scammer that used the NPPI to send a code that I received ( from XXXX ) that was then used to activate a Apply Account on an XXXX XXXX I do not have XXXX phones. The scammers took their XXXX XXXX XXXX to purchase items from stores in the XXXX shops in amounts over {$400.00} and {$7000.00}. I was not notified of these attempted charges by Chase. My card is set to inform me of charges in amounts over {$400.00} as a fraud protection feature promoted by Chase. I only found out about these item when I contacted Chase Fraud department on XX/XX/2022 to inquire why my new replacement card was not delivered as the scammers had promised. 

My questions are : 1. How did my NPPI get compromised by Chase? In addition, according to a Chase representative, they do not notify customers of fraud attempts if they decline the purchase. 2. What value is it to me if Chase does not notify me that {$8000.00} of charges were attempted on my account? The scammers still had possession of my information and this was only discovered upon my inquiry, not by any actions by Chase. 3. How can Chase promote " Fraud Protection '' on their cards with such a broad loophole of if Chase declines a fraudulent purchase, Chase does not have to notify the card holder of the attempted fraud, only if the fraud is completed? 4. Has the scammer been found, or is Chase even pursuing the scammer as the charge was declined? 5. What is Chase doing to protect my accounts from the scammer using my NPPI again? 

XXXX XXXX Chase Credit Card account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
In Ordinance with the faircredut Reporting act XXXX Account # 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 States : It also States a Consumer Reporting Agency can not furnish a 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 any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation