vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: RI

Complaint narrative:
I have been paying Sallie Mae for months now, last fall in XXXX ( XXXX  ) I turned on auto-pay to automatically deduct the bill from my account so I wouldn't have to go out of my way to pay the loan. The following month came around and I began receiving dozens of automated calls at all hours of the day each and every week. The calls were followed by emails and physical mail exclaiming to me that my loans were overdue and had late penalties attached and required immediate attention. Sallie Mae was then called directly to " square '' away the matter. They said to me that they would remove the late fee as the bill was on auto-pay. Literally every single month since this has been exactly the same. They claim that my auto-pay set up is somehow late each and every month and late fees get tacked on every single time despite the bill being AUTOMATICALLY PAID each and every month. They do nothing but harass me on a daily basis about the matters and I'm sick of this and their inability to resolve their own issue. The power they wield affects my credit and I'm sick of them abusing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: LA

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.

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 inructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WAFD BANK
State: NM

Complaint narrative:
I pay my credit card each month in full to a credit union I have belonged to for years. Using the XXXX bill pay tool I always request payment at least XXXX to XXXX weeks ahead of required payment. Numerous times I receive an email from XXXX indicating they are paying the bill via check sent out through the mail. For a large back to rely on snail mail rather than electronic transfer is disturbing. For example I recently requested payment on XXXX XXXX, it is XXXX XXXX and payment still has not registered at the credit unit who holds my credit card. This event occurs only when I pay a large amount. I have had my card held a few times ( including this event ), incurred interest and penalties and likely have impact to my credit rating ( which was above XXXX in 2020 ). I have raised this issue with XXXX each time with no reply on why this process is in place. XXXX never divulged that this was the process when I first set up account and used bill pay tool. If I had know this I likely XXXX have gone elsewhere. I had no issues with my previous smaller credit unions, so I was unaware of this hidden process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express is the credit card company I would like to file a complaint for. 
I applied a credit card Delta SkyMiles Gold Card from American Express back in XX/XX/XXXX  with a deal that I would receive a welcome bonus of {$300.00} if I used the card to purchase XXXX XXXX tickets and also if I spent {$2500.00} in the first 3 months after opening the account. I received the card several days later after the application but there was no indication from XXXX that I would not get the welcome bonus {$300.00}. In between, I did not receive any letter or email from XXXX that the card was provided to me but no welcome bonus that I was qualified. Without knowing it, I charged the card for XXXX XXXX tickets and continued to spend more than {$2800.00} in the first month and a half on the card. I had discussed this matter with the company 's representatives. They answered that they would bring this compalint up to the upper lever and let me know if they came up any solution on my case. After waiting for some time without an answer from them, I decided to pay my first statement balance immediately but left out {$300.00} which I was supposed to be given ( I paid them on XX/XX/XXXX for {$2500.00} ). As of today XX/XX/XXXX, I have not received any answer from XXXX regarding the status of my {$300.00} welcome bonus. So far, I had received 2 more statements which showed interest and fee of {$330.00}. I had closed my account on XX/XX/XXXX XXXX 
Please let XXXX know that I do not owe them any money and do not want to receive any more statement from them from now on. 

Thank you for the help on my case. Your time and effort is greatly appreciated. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX American Express card XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have been going back and forth with Amex for over a year now, including numerous communications through CFPB. The unauthorized fraudulent transactions on my account total over {$15000.00} and Amex refuse to address my concerns adequately and rarely call back with the information requested. It is impossible to get information. I called on XX/XX/XXXX and was told XXXX would call me. XXXX eventually left me a voicemail on XX/XX/XXXX. I called back on XX/XX/XXXX and XX/XX/XXXX and was told I would be called back within XXXX hours. this never happened each time. I am at a loss how to get answers to my questions and continue to be shocked by Amex 's unbelievably bad customer service, conflicting information, changing decisions. 

Therefore I require the following : - Confirmation of where this dispute stands. On XX/XX/XXXX, XXXX told me I had been credited one of the disputed amounts and the other was pending. Is this true? Has any of the disputed amount been credited? 

- Contact and address for service of process - Details of the mediation process and costs associated - Details of the arbitration process and costs associated A copy of this has also been sent to my lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Debois, Inc.
State: OH

Complaint narrative:
DBS are making harassing calls. They called to say they are under new management and 1 day past due the car is up for repossession. They refuse to give me a copy of the contract because I had never heard such a thing. The way I work my deposit can be stagnant between XXXX  or XXXX. I was forwarded to a manager by the name of XXXX. Whom said it doesnt matter whats in the contract an hour late he can order a repossession. He made countless threats and repeatedly told me he will talk to me however he wants hes in charge and that he will have it repossessed and SUE me if my payment isnt in by not XXXX  XXXX. I thought these actions were against CFPB rules or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: KY

Complaint narrative:
Had a credit line opened due to getting a credit account towards some camera equipment through XXXX for {$2000.00} on XX/XX/XXXX. We paid the remaining balance of {$1900.00} on XX/XX/XXXX to pay off the remaining balance on the loan. On XX/XX/XXXX received a credit card in my name with a line of credit stating {$1500.00}. This was never requested or approved by me. I received an email on XX/XX/XXXX saying that they were converting my Fortiva retail account with XXXX to an upgrade XXXX. I did not request this nor gave my permission stating I wanted this done. They have sent emails through the years but I never opened them because my line of credit for the equipment was paid in full XXXX years prior. I shouldnt have to answer an email to reject ANYTHING I did not request especially them running my credit without my permission or opening a credit card without me saying I agree or personally asked for. My credit was hit and lowered due to their actions. I called and had the account closed today on XX/XX/XXXX but never should have had to do this because I never asked to have this opened in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I purchased a new XXXX XXXX from a XXXX dealership in XXXX XXXX in XXXX. All payments were made on time. I moved to XXXX tx from XXXX Tx in XX/XX/XXXX and advised XXXX of the address change. I continued to received mailed bills at that address until XX/XX/XXXX at which time the bills stopped. On XX/XX/XXXX XXXX phoned my son who is also listed on the account, advising him the vehicle was subject to repossession. I immediately that day paid the full XXXX payments owed, late fees, and a service fee. I have tried to get the late fees waived which they say they have done. They advised they can not waive the {$3.00} service fee. They advised they have had and continue to have my current address ( XXXX tx ) and can not advise why the paper statements were stopped. They also can not advise why were not contacted when a payment was missed. On XX/XX/XXXX i sent a check to payoff the loan completely. I used the amount their system quoted me on XX/XX/XXXX which is good until XX/XX/XXXX. I expect they will ask for more. 
I believe XXXX did this deliberately in a fraudulent attempt to repossess the vehicle as it neared payoff. They gave no notice, and had my address for over 18 months, including every check for those payments with my current address. This seems very similar to the case in which CFPB fined XXXX $ XXXX for fraudulent repossession activities. All I want is my fees waived, my title free and clear, and the credit histories of me, my wife, and my son removed of al negative comments and those histories to reflect payment in full on time and ahead of schedule. On XX/XX/XXXX I mailed a letter to them requesting this as mail is the only method to contact their credit bureau XXXX department. I also want them to stop this practice As I believe it is a deliberate attempt to repossess vehicles from unsuspecting persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I have reviewed my credit report, after full examination of my Consumer Report, showing inaccurate information. According to the XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information accurately to the best of their abilities. I have paid Debt Collector Caine Weiner in full and they responded with letter verifying it would be removed all of my Consumer Report immediately upon review it is negatively impacting Consumer Report, and reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 explanation
Consumer complaint received 2023-07-15 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: LA

Complaint narrative:
Attached is a copy of my consumer report with displaying several inaccuracies on my consumer report that are violations of several sections of the FCRA the items are as follows High Balance : The high balance reported differs significantly. 

Account last verified inaccurate Date of Last Activity : The date of last activity is reported differently across all three credit reporting agencies Date Reported : The date reported also exhibits inconsistencies. 

Balance reported as {$6900.00} how is there a balance owed on a charged off account? As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt as gross income. The IRS clearly states charge off as income the reporting of this account is inaccurate. 

1. FCRA Section 611 ( a ) ( 1 ) ( A ) : The requirement to provide accurate and complete information to credit reporting agencies. 

2. FCRA Section 623 ( a ) ( 1 ) ( A ) : The requirement to promptly update and correct inaccurate or incomplete information. 

3. FCRA Section 623 ( a ) ( 5 ) : The requirement to maintain and follow reasonable procedures to ensure the maximum possible accuracy of consumer information. 

15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAROLINA FINANCE, LLC
State: AL

Complaint narrative:
This account has reappeared on my personal credit report and is reporting as late from XX/XX/XXXX to XX/XX/XXXX. This information is currently incorrect. This account for Carolina Finance was part of a Bankruptcy in XXXX, in which the Bankruptcy terms were agreed. Also, the Creditor, Carolina Finance took possession of the vehicle, before being included in the Bankruptcy and the vehicle was sold at auction resulting in full payment of the loan balance. 
I received a Deficiency Letter from Carolina Finance in XXXX stating the sell of the vehicle. This was all added in the bankruptcy. According to the FDCPA, Carolina Finance is in violation of the law, by reporting fraudulent and inaccurate information to the Bureaus. 
In XX/XX/XXXX, I contacted Carolina Finance at XXXX and spoke with XXXX, who advised me there is nothing they could do and I would have to contact the Bureau reporting the information. I asked if he could mail me out a copy of the original loan and the bankruptcy notice and he stated he is not the one to do so. On XX/XX/XXXX, I contacted Carolina Finance once again and asked how could we resolve this issue. I spoke with a XXXX or XXXX who would not give last name and he told me to fight with the Bureau. 
This account begins reporting as late in XX/XX/XXXX. I did not have possession of this vehicle or owed any amounts as of that day.

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 2023-07-15 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: CA

Complaint narrative:
I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information below is what I found on my credit report that is not mine. I demand the accounts below be removed from my credit report immediately! 

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 2023-07-15 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: NY

Complaint narrative:
I did not authorize the following transactions. I attached my ftc report. Please remove inquiries immediately. 

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 non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX has been charged off yet they continue to report both the charge off and late payment every month. I'm being penalized 2x for the same account. I checked my on line account with XXXX and they have a monthly payment due each month, yet there has been no agreement after the charge off. I've contacted TransUnion and XXXX. TransUnion advised I call XXXX directly on XX/XX/. On XX/XX/XXXX  I called XXXX in which they transferred me from several departments to redirect me back to the credit bureaus. 

I'm trying to get clarification on the how the information is being reported but no one is able to answer.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX has been charged off yet they continue to report both the charge off and late payment every month. I'm being penalized 2x for the same account. I checked my on line account with XXXX and they have a monthly payment due each month, yet there has been no agreement after the charge off. I've contacted XXXX and Equifax. XXXX advised I call XXXX directly on XX/XX/. On XX/XX/ I called XXXX in which they transferred me from several departments to redirect me back to the credit bureaus. 

I'm trying to get clarification on the how the information is being reported but no one is able to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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
Consumer complaint received 2023-07-15 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 response to consumer: Closed with non-monetary relief