vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am writing because I have a account on my credit from WF/XXXX acct number XXXX I have disputed this acct it came back verified and I am requesting information to be sent to me on how it was verified if that can not be provided to me i am requesting that this be deleted immediately. 
15 U.S. Code 1692g - Validation of debts Failure to send the consumer a written notice of the debt

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 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I disputed a collection account from National Credit Systems a few months back about a collection of {$9800.00}. I sent a letter to National Credit Systems asking for validation and verification of this account. Ive asked for an itemized bill for the amount that is alleged I owe and still have not received an itemized and full breakdown of each cost. I was told most of the damages was in result of fire damage. I was given no proof of any fire damages or how/when they occurred. I was not responsible for the fire nor should I be held responsible for any damages. National Credit System has yet to provide me with any accurate description for what this debt is from. I have disputed this inaccurate account two different occasions and as a result of my first dispute National Credit System collection account was removed for less than a month before it was re-entered onto my consumer report twice. I received a letter from XXXX stating they made an error and duplicated this inaccurate account and now the collection was reflecting on my consumer report twice.I reached out to a lender for a line of credit during the same time and was denied credit. I believe if this inaccurate, unverified and invalid account was not reflecting on my account to begin with then this mistake by XXXX would have never have taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a credit card, which I am paying every month if it is missing. This company sent me a letter saying that they can not renew my card because they closed my account and they told me that they will continue to charge me interest. I told him that this can not be done, because if they were the ones who canceled my account, they can not continue charging me the interest that the balance owes in the same amount, so that I can finish paying that 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 2022-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANKERS HEALTHCARE GROUP LLC
State: FL

Complaint narrative:
Since XX/XX/2021, I have been receiving an abundance of solicitations for personal loans via mail from BHG XXXX. I have requested to be removed from their mailing list multiple times ( via phone, email & postal mail ) to no avail. I have resorted to sending back all postal solicitations via mail, that has not helped. Im requesting assistance in having my contact information removed from the mailing list at BHG XXXX. The last correspondence I received has the following invite code : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient is the servicer to loans purportedly co-signed by my XXXX  mother. I have delivered all required documents to gain access to the disclosures and loan documents. Ive made repeated calls all to no avail. 

My mother was an XXXX XXXX with minimal education and likely didnt understand what she was signing. That aside, I cant get this company to provide me with the basic documents or explain how they treat the estate of a decedent. 

I have been trying to get this information since XXXX. The added stress of this situation, and the monetary impact are made all the worse as I have to put aside my grieving to deal with this issue for my family. 

Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Beginning in XXXX of XXXX I signed up for XXXX insurance on my zales store card. I've made the payments every month, and my billing statements show the transactions. In XXXX of XXXX  I had XXXX that left me out of work for more than 30 days, when I attempted to exercise my benefits I was told I had no XXXX insurance. They began a new policy for XXXX insurance even though I assured them I had the insurance already. I went through multiple stages to try and work with Zales as well as account assure to find my information, but they continue to say they can't find the information and inform me they are escalating the problem. This has been over a month now and they are still saying there is no record of my benefits even though I have the billing statements to prove otherwise. Account assure and Zales are both refusing to honor the benefits that I have put in place, and have continued to fraudulently charge me for my XXXX benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/2022, I opened a dispute with Ally due to being overcharged {$75.00} for a parking garage fee when it should have been {$18.00}. Ally provided a provisional credit while investigating and contacted me in XX/XX/2022, stating that the vendor requested a receipt to prove the error. I explained to the representative who called me that the parking garage in question does not provide receipts. Instead, it takes the ticket into the machine, takes your payment, and you have to drive out following. No receipt or confirmation is dispensed following payment. 

The representative stated that I could write a letter detailing the incident instead. So, on XX/XX/2022, I submitted a letter to Ally customer support detailing what happened. Last Wednesday, XX/XX/2022, I received a letter from Ally stating that my provisional credit had been reversed and that the bank denied the dispute due to a transaction completed with a merchant I have an established relationship. How is paying a parking garage fee indicative of an established relationship? 

Due to this issue, my account is now over-drafted, and Ally 's claim of an established relationship with a public parking facility is bogus. What proof or documentation was used to come to such an absurd conclusion?

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 2022-09-06 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I've mailed documents, Diver license, utility bill, show proof of address literally everything Equifax asked me. Even provided my DOB and email. I've been having this issue with Equifax since XXXX! Today XXXX, XXXX XXXX ; I just got off the phone with XXXX, a agent from the dispute department ( on a recorded call ) and after spending roughly 25 minutes answering all his verification to make sure I am who I say I am, for some reason an agent from the dispute department could not see any record of me sending them my documents. I kept records on my end to insure that what I'm claiming can be fact check and backed up. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand Equifax to comply to the FCRA and honor my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I've mailed documents, Diver license, utility bill, show proof of address literally everything Equifax asked me. Even provided my DOB and email. I've been having this issue with Equifax since 2019! Today XXXX, XXXX XXXX ; I just got off the phone with XXXX, a agent from the dispute department ( on a recorded call ) and after spending roughly 25 minutes answering all his verification to make sure I am who I say I am, for some reason an agent from the dispute department could not see any record of me sending them my documents. I kept records on my end to insure that what I'm claiming can be fact check and backed up. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand Equifax to comply to the FCRA and honor my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX 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 ) ( 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 XXXX XXXX XXXX  # XXXX ) ( XXXX # XXXX ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Our home mortgage was sold to another company ( Mr. Cooper ) without any input from us. Shortly after the mortgage was sold, I signed up for electronic delivery of all communications in an effort to be green. The terms I agreed to, which are still on the web site, read : " By registering for paperless delivery, you agree to receive all account communications electronically. '' At some point in the last year the mortgage company did not have adequate proof of insurance, although they had my mortgage company on file, as well as the policy information from the previous year. Rather than reach out to the insurance company or send me an email ( as the terms stated they would do ) they claim to have sent several letters via USPS demanding updated proof of insurance. I did not get them, nor was I looking for them since I had already agreed to receive all account communications electronically. Without action on my part, they began auto-withdrawal of several thousand dollars from my checking account to cover the insurance that they decided I needed. I noticed the larger amounts and saw a recent letter they had sent ( again via USPS ) with a reminder that there was lender-placed insurance on my account. Only with the help of my insurance agent did I learn that they had been overcharging me, and now I am wading through the mess of trying to get the funds back. They acknowledge the error, and will put the money in my escrow account, then once the money is there I can request a check from them. 

It is absurd to me that they can ignore the terms of their own agreement, change the amount debited from my account without my consent, then hold my money hostage until they clean up their own mess. I pay them interest on the money I am borrowing from them, it seems only fair that they should have to repay the money they took from me with an interest penalty. None of the agents I have spoken with think this is even a remote possibility. 

Assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: LA

Complaint narrative:
XXXX XXXX pre approval then hot denied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: KY

Complaint narrative:
MRS has failed to remove disputed debt, it has been more than 30 days ago without verification of debt or communication from collection agency. XXXX XXXX XXXX another collection agency has removed debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I recently read about the FTC lawsuit against Credit Karma for the misleading of credit approval odds and pre-approvals. I was also a victim of Credit Karma misleading me and informing me of outstanding approval rate with over 90 % approval odds and a {$250.00} sign up bonus. I decided to select this offer on the Credit Karma app for the XXXX XXXX XXXX. I was almost instantly denied despite Credit Karmas misleading approval rate. I have also noticed Credit Karma shows poor approval rates for the XXXX XXXX XXXX XXXX, which ironically, I already possess. Their process for determining approval rates is misleading and false advertisement. I am glad action is being taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV FUNDING LLC Original creditor XXXX XXXX XXXX XXXX Balance {$520.00} Balance updated XX/XX/2022 ACCOUNT STATUS IS INCORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-06 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts 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 2022-09-06 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts 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 2022-09-06 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 ALL IN XXXX 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 15 U.S.C 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 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 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase/ JP Morgan has extended {$12000.00} credit Chase Sapphire Preferred on XX/XX/2020, They had also refused my extension of credit/closed my account & violated a consumer law XXXX Rules concerning extensions of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX POTENTIALLY NEGATIVE Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX BALANCE REPORTED INCORRECT {$680.00} XX/XX/XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$550.00} Updated on XX/XX/XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$660.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$410.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$440.00} Updated on XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Balance {$500.00} Updated on XX/XX/XXXX XXXX Balance STATUS IS INCORRECT XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Balance IS INCORRECT {$220.00} XX/XX/XXXX XXXX XXXX  XXXX POTENTIALLY NEGATIVE Balance INCORRECT {$990.00} XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX 
Balance {$590.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance {$520.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX INCORRECT {$370.00} XX/XX/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 2022-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is update information to previous filed complaint against Bank of America Attaching the complaint numbers This is pleading filed today in XXXX case to vacate summary judgment. 
XXXX FHA case filed complaint at XXXX  XXXX Bank of America has done many illegal acts

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 2022-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
About 6 years ago an old private student loan, for a vocational school, I had through Navient ( originally XXXX XXXX ) disappeared from my online account with them. I was told by customer service at Navient it was discharged after sending them documents to prove my father, one of the names on loan, had passed away. Navient hasnt attempted to contact me in any way since then, potentially because I filled for bankruptcy since then. To this day I have no record of a loan in my name on their website but on XX/XX/XXXX my credit report got hit with a 60 day late payment from Navient on a loan of {$7400.00}. Ive reached out to them by phone several times, sent documentation of the mark on my credit and can not get an answer from anyone there about this problem or even if the loan exists still. In fact Ive been hung up on virtually every time I call wasting hours of my time. Im unsure what to do about this. Ive been a student working to get my XXXX degree for the last 5 years and had no way of knowing if this debt wasnt discharged like I was told years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover account number XXXX XXXX XXXX XXXX I was denied an extension of my own consumer credit under my own open end consumer credit. 
This is adverse action pursuant to 15 USC 1681 ( a ) ( k ) ( 1 ), and 15 USC 1691 ( d ) ( 6 ), UCC 8-105//UCC 8-502

Company response to consumer: Closed with explanation