vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
Navy Federal is going into accounts and charging insufficient funds charges on people. I had money in my account, yet there were charges that I didn't know were coming out hitting my account. They declined the charges and then billed me {$29.00} three times in one day and demand that I pay it. I refuse to pay that. When I called, they were rude, and wouldn't do a thing to help me. They are robbing people every day, and need stopped. I had to leave XXXX because they stole {$500.00} from me one day, and now this. I demand that those charges be removed, and my account be closed. I will not do business with a shady company like this. They aren't rhe only ones hurting for money, it's all Americans right now, but we don't have access to people 's bank accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I have bought a Real Solid XXXX XXXX chain from XXXX on XX/XX/2022 and I received the chain on XX/XX/2022 and I tested the chain with a Gold tester and the acid test but the chain tested as XXXX gold plated so the chain is NOT real solid XXXX gold, the chain that XXXX XXXXXXXX XXXXy sold to me is gold plated with XXXX gold and its not solid XXXX gold so XXXXXXXX XXXX XXXX scammed me and sold me a fake gold chain for XXXX. So I disputed the charge with affirm since I paid the seller with affirm. I sent affirm company all the documents to open a dispute for the charge of XXXX dollars to XXXX XXXXXXXX XXXX  but affirm did NOT RESPOND to my dispute and closed it without doing any investigation. This is illegal for affirm just to close a disputed charge that I opened without doing any investigation. Affirm needs to investigate my dispute because XXXX XXXX XXXX sold me something different from what I ordered and sold me a fake gold plated XXXX gold chain as if it was solid real XXXX gold chain and that is fraud. Affirm needs to be investigated for not resolving my dispute and just closing the dispute with investigation and without letting me know. The chain I received from XXXX XXXX XXXX  is FAKE and it is NOT REAL GOLD XXXX so affirm needs to refund me all my money that I paid for XXXX dollars. I want higher management at affirm.com to be involved because it seems nobody at affirm wants to do their job and they just close my dispute for no reason instead of investigating the dispute charge that I o-need

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank XXXX XXXX XXXX Account Payment Due Date XXXX XXXX Paid balance In full : XX/XX/XXXX Balance Amount : XXXX After Paying my balance in full, I discontinued autopay XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - {$6.00} fee added to my account XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - {$14.00} fee added to my account XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - Finance Charge refund of XXXX cents XX/XX/XXXX - I logged online to pay balance of {$30.00}, the balance shown online. 
XX/XX/XXXX - Total Fees of {$30.00} were posted after I made payment. This amount was not showing online when I paid on XX/XX/XXXX as I paid the full balance. 

Furthermore, no statements are available past the XXXX Statement. I continue to get fees as recently as XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Hello, I am contacting you again regarding credit collection for the balance of XXXX that I received a letter regarding. This account was my wife 's who passed away in XXXX and there was fraud or something. Also, on XXXX XXXX, XXXX, I was in a hit-and-run accident and found by XXXX to be permanently XXXX and I live on XXXX. I would like to fix my credit and I am reaching out to see if this debt can be released due to the fact I have provided. I tried to take care of this for years but please will someone contact me back by email or phone to validate you received this contact and working this out due to the fact I am XXXX and can not work? I need this verification for my lawyer and I have also turned this into the credit bureau for a complaint. I need this debt released permanently as many creditors have completed it. 

Best Regards, 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 2023-01-04 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: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-01-04 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: VA

Complaint narrative:
In accordance with the fair credit reporting act, TransUnion has violated my rights by having : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an 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 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On or about XX/XX/XXXX, I made a mobile deposit into my checking account. The mobile deposit application said it would be made available on XX/XX/XXXX. I contacted Citizens Bank on XX/XX/XXXX since the deposit was unavailable on XX/XX/XXXX. I received a letter on XX/XX/XXXX outlining that the deposit will not be made available until XX/XX/XXXX because the bank believes the bank will not honor it. I contacted the bank again on XX/XX/XXXX and I had spoken with the supervisor, XXXX. I explained to XXXX my grandson asked me to deposit XXXX check for {$580.00} into my checking account. She asked me how old was my grandson and that he should have gone into a bank to cash it. I told her that Citizens bank offers mobile deposits. I asked her what makes the bank determine if a check will not be honored. She could not give me an answer and advised me to contact XXXX to ask the government why Citizens bank will not honor the check. I asked her if could she cancel the check so I can cash it in person. She said no because I will be getting two deposits. I said you told me that the check will not be honored. XXXX had no right to ask me how old was my grandson and that I should have gone into a bank. XXXX appears to make up her policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: TN

Complaint narrative:
After several attempts to get proper documentation from SCA I contacted XXXX XXXX direct and I spoke with XXXX in billing on XX/XX/2023 she could not locate the account that SCA is trying to collect for much less provide any documentation showing the account is mine however, SCA has certified multiple times. This account is valid without once providing documentation, supporting their claims.

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 2023-01-04 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: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-01-04 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: VA

Complaint narrative:
In accordance with the fair credit reporting act, EXPERIAN has violated my rights by having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an 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 2023-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company
State: NJ

Complaint narrative:
I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. The driver of the vehicle fled the scene, and I suffered multiple injuries. My auto insurance XXXX was informed and was paying the bills of my medical debt as per the NJ State law and my no-fault status. Police was unable to track the rogue-driver. My insurance details were sent to all parties who treated me like XXXX XXXX and XXXX XXXX and XXXX XXXXs. Recently an unknown debt collection agency put a collection delinquency on my credit report damaging my credit score and putting me in great distress on top of my injuries. I believe that it is this agency that was sending me threatening calls which I communicated to XXXX and they said all bills they have paid. After contacting Credit Bureau they said that it is an agency in Pennsylvania asking to pay ambulance fee. The ambulance was given my auto insurance details several times and I received no notification after that. A Florida based Ambulance company named XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Florida XXXX was also given my XXXX XXXX and medical insurance details long time ago. This third party agency is outside my home state and had no contact number available. I find the recent action by the collection agency named Commercial Acceptance as damaging and harassing as they threatened in the phone calls. I kindly ask CFPB to clear the wrongful debt collection in my credit reports and take action against this collection agency for damaging my credit score in this time of hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
On XX/XX/2022, the property I owned was sold, and the total owed to PHH Mortgage was wired to them by the buyers attorney. PHH says they never received the payment, despite confirmation from the bank that it went out to them and was not returned. They continue to say I owe them the payoff and that I am behind on my XXXX, and now XXXX payments. I no longer own the house and I am very worried about what this will do to my credit rating, Ive had many exchanges with them, as has the buyers attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-04 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: VA

Complaint narrative:
In accordance with the fair credit reporting act, Equifax has violated my rights by having : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2023-01-04 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-04 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: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/22 I closed my Chase Checking account. On XX/XX/22 I returned an item to XXXX for {$74.00} which was originally purchased with my chase debit card. XXXX refunded the money to my closed chase debit / checking card account. Chase bank had me send a fax to their claims dept and approved a {$74.00} refund and sent me a check on XX/XX/22. Months later, chase has sent me a collections notice asking for the money back. I have spent months on the phone with Chase Bank ( corporate, claims and collection dept ) as well as with XXXX XXXX. 
Chase claims XXXX sent me a paper check on XX/XX/22. This never happened. XXXX does not send paper checks to customers, there is no check number or information that XXXX can supply proving this because it is not their practice. However attached you will see the transaction numbers from XXXX proving the money went to Chase. 
I told Chase if they did not remedy this situation I would report them to office of the comptroller, the news, and small claims court. They said go ahead. I have attached only some of the correspondence and you will see the confirmation from XXXX that chase has my money. In order to protect my credit I made a {$10.00} per month payment arrangement with chase to repay the money which is rightfully mine. So I dont have the product and Im paying twice? Makes no sense. Fraudulent practices taking place here, I hope someone can help me remedy this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation