vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 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: IN

Complaint narrative:
I have hard inquiry on my credit that I didnt allow to be on my credit. XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My identity was stolen not one but two times in XXXX and again in XXXX. I've called the companies XXXX XXXX Fed, XXXXXXXX XXXX ) to report the fraudulent accounts. Within the years, Ive placed fraud alerts on my credit profiles and every time I dispute these items they still come back as verified and accurate. The credit bureaus recently told me to file an identity theft report with the FTC and they would investigate the accounts and remove them. I did that and again, the accounts came back as accurate and verified. I dont understand how they are verifying this with no proof of ownership of the accounts. I've asked them to send out original contracts with my signature on it and none of the companies were able to furnish that information.. A debt collector even attempted to sue me because of a debt that was fraudulently opened in my name. However, I after I explained to the judge my identity theft incidents and told him that I've continuously asked for the original contract with my signature on it which they were not able to furnish the case was dismissed and the debt collectors removed it from my credit report. This is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
First I got behind on my payment and worked out an arrangement with Ally. I called to make the payment, I was transferred to a third party that charged my card for some coupon scheme. They never processed the car payment. Then I entered into a catch up agreement with Ally and they canceled the agreement the day before the payment was processed. I have called and only get some people who dont speak English. Ally has time and time again not honoring arraignments. They also report inaccurate information to credit agencies.

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 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC

Complaint narrative:
On the checkout page, it does not show the transaction fee until you reach the final page before confirmation, luring customers into paying a high transaction fee without knowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: IN

Complaint narrative:
I have a hard inquiry on my credit that i didnt allow to be on my credit report. XXXX XXXX  XXXX credit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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:
DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23 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: NY

Complaint narrative:
Experian is in violation pursuant to 1681c-2. On XX/XX/2022 I sent Experian a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since Experian has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.

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 2022-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
NAVIENT Account number : XXXX Amount : {$3600.00} The information above was visible to a business. I have not authorized to release any personal information to strangers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: Synovus Bank
State: FL

Complaint narrative:
Prepaid credit card, can not owe money I funded myself. This was suppose to help my credit score but it hurt it more. The account was closed and no longer utilized FCRA 15 U.S.C. 1681 Section 602 : I have the right to accuracy and fairness of credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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:
The credit bureaus stated my account was properly investigated but hos is that possible if the open date is inaccurate, the date last active is inaccuarate, and date last reported is not accurate. this ground for removal they also violate my rights under 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: FL

Complaint narrative:
The credit bureaus stated my account was properly investigated but hos is that possible if the open date is inaccurate, the date last active is inaccuarate, and date last reported is not accurate. this ground for removal they also violate my rights under 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 2022-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I making a formal complain on the company NCB Management. NCB Management first called a family members phone number on XX/XX/2022. NCB was told that day that the number they were calling was not mine but a families member. This family member was told they would not call this number anymore and she advised she would let me know. NCB continued to call during the time frame of XX/XX/XXXX until current. During the time frame of XX/XX/2022 and XX/XX/XXXX of XXXX NCB called 36 times. During this time they were told on more than one occasion again this number was not mine but of a family members. In accordance to the Fair Debt Collection Practices act - it states that People collecting debts can't harass, oppress, abuse, or deceive you or anyone else they contact. Companies attempting to collect a debt can not call you over and over, make repeated phone calls that are intended to annoy, abuse or harass you or any person answering the phone. to which NCB continued to do despite being told to not call that number again and that it was not my number. I spoke with NCB on XX/XX/XXXX at XXXX am XXXX and advised that the number they had on file is incorrect and do not contact as it is a family members. NCB is also in violation of my rights through not only CFPB but XXXX for the biggest reason being XXXX requires all debt collectors to comply with their regulations. one regulation is that within five days of the debt collectors first contact with you, the debt collector must give you the following information in a written notice. 1. ) the amount of the debt 2. ) the name of the creditor to whom the debt is owed 3. ) that you have 30 days from receipt of the notice to dispute ( there has been not notice or validation sent ). NCB has violated multiple rights of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NY

Complaint narrative:
Equifax is in violation pursuant to 1681c-2. On XX/XX/2022 I sent Equifax a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since Equifax has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: IN

Complaint narrative:
I have a hard inquire on my credit that i didn't allow to be on my credit. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one closed all my and my wife bank accounts and credit cards with no given reason. I realied on it and now I'm broke

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a letter from a company called credit collection services saying that I owe XXXX from an XXXX insurance. I have never had any dealing with XXXX ever. I called XXXX and they couldn't find any record of me ever having an account with them and that they don't know how or why this is happening. Please help me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting 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 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 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 2022-06-23 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: IN

Complaint narrative:
I have hard inquires on my credit that I allow to be on my credit. XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: PA

Complaint narrative:
XXXX XXXX XXXX  date XX/XX/21 Sold to XXXX XXXX XXXX account XXXX balance is {$520.00}. 

In accordance with the Fair Credit Reporting 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TX

Complaint narrative:
Experian is reporting incorrect addresses that I have never lived at : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I just received a call from XXXX XXXX, XXXX XXXX Webster Bank branch manager. 
She told me that my line of credit application was denied because my home was appraised at {$140000.00} without anyone coming inside to look at it. 
Less than 3 months ago, Webster Bank sent in an appraiser and my home was valued at {$200000.00}. 
XXXX XXXX told me that if I wanted an accurate appraisal I would have to pay an additional {$550.00} for an interior appraisal. 
BAIT & SWITCH! 
I spent many hours obtaining documentation for XXXX XXXX, and after I have done all that, XXXX agreed that the {$140000.00} appraisal was not accurate, but I could get an accurate appraisal if I spent {$550.00} for an appraiser to come inside my home. This was not explained upfront. This is XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: GA

Complaint narrative:
Incomplete/inaccurate information is being compiled and reported about in my consumer reports to third parties on a monthly basis which is a violation of my consumer rights under the FCRA.

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 2022-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
On XX/XX/XXXX, I was served a notice from Crown Asset Management LLC as ssignee of XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. Regarding a XXXX account with an account number ending in XXXX. 

The information displayed on the XXXX statement from XX/XX/XXXX is not my information. It has XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 

I have never lived at XXXX XXXX XXXX, XXXX, Ga XXXX. This address is no where in my credit profile. 

I do have a XXXX account ending in XXXX. That was originally owned by XXXX bank and was sold to XXXX XXXX. This account is current has been open since XXXX. 

This legal document has been filed with the Magistrate court of XXXX XXXX XXXX XXXX Georgia. 
1. It has never been presented to me to dispute until today as a notice to appear in court. 
2. It's not my account. My XXXX account is still active and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I rented a vehicle using my Chase credit card and had an accident on XX/XX/21 with the rental vehicle, resulting in about {$3000.00} in damages. I am supposed to have insurance coverage for rental vehicles when I use my Chase card. I timely submitted a claim and then timely submitted all information requested by Chase on 2 or 3 occasions. I have confirmed with Chase representatives on the phone of 2 or 3 occasions that they have all the information they need, but I continued to receive emails saying they need additional information. Then, when I call about that, the phone reps tell me their computer says more info is needed. So, I have asked to speak to supervisors 3 or 4 times and am assured that I will receive a call from a supervisor within 24-48 hours, but I have never received a call back. This has occurred consistently over the last 10 months, obviously indicated that Chase is not responding in good faith, but is hoping I will just abandon the claim. I seek assistance in pursing this against Chase card services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account number XXXX, XXXX  XXXX XXXX account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX XXXX account Number 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

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 2022-06-23 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 account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX XXXX account Number 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I presented a coupon to GM Financial in XX/XX/2022 to fulfill the full purchase on my XXXX XXXX via certified mail. Not only did they never send the coupon back they even lost it or never redeemed it. So not only did they do that but they just kept charging me normally. Then out of the blue this week with no notification or anything they collected my vehicle and want {$2900.00} to reinstate my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: GA

Complaint narrative:
Commencing on or about XX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my East West Bank account to East West Bank at the instructions of the scammers. 

Date wired Amount Transaction XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer sub total XXXX XX/XX/XXXX XXXX Wire to XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Wire to XXXX XXXX XXXX Bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
At approximately XXXX pm on XX/XX/2022 I was sent a text message from US bank stating I had someone try to send XXXX payment to XXXX XXXX. I replied NO that I didnt and was immediately contacted by US bank fraud department.I was told that my account was in jeopardy of being closed. The person verified my account and social security number. I was then told to transferred XXXX via XXXX over to what I thought was my account. After I transferred the funds, I hung up to call US bank and was told there was no such thing and that I was scammed by the person. US bank is now saying that I am unable to get my funds back.

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