vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
The fraud was done at Virginia XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I brought a recent credit card statement for my bank card on XX/XX/XXXX. On XX/XX/XXXX there were charges to my card in the amount of for {$98.00}. My bank card was charged {$98.00} six times. My bank statement was scanned in the XXXX XXXX XXXX XXXX system and immediately returned to me. The hacking occurred either internally or externally in the XXXX XXXX XXXX XXXX data base. I was there from XXXX XXXX to XXXX. I was seen at XXXX, I have not made any purchases in the credit card since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11 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:
I had one account with XXXX XXXX XXXX which was in great stands by the way since XXXX. I received and alert XXXX, XXXX transunion and XXXX XXXX from my credit report stating my loans were paid and full 100 % of {$27000.00} and the account was closed XX/XX/XXXX. Then a week later I received another alert about dept of education XXXX who is a debt collector. They told me XXXX  gave them my infomation ( without my consent ) or notifying me and that i should reach out to XXXX XXXX and I did so. XXXX XXXX said that my account was in great standing per the woman XXXX and hung the phone of because i ask her for a paid in full paper due to them reporting it to my credit report. then stated the account was closed paid and full. still never told me that they transfer my account collector without my consent. You can not settle federal student loans or private student loans that are in good standing. With both federal and private loans, a student loan settlement doesn't become an option until you enter loan default. My student loans were not in default. I was not notify of anything no via mail, via email, via phone. This matter had really. XXXX report 9 account of student loans account to my credit report that all have the same account number. XXXX reported all to my transunion. This matter has put me in a deep XXXX. I did not consent to any of this matter and will be reporting this to the FTC XXXX XXXX {$0.00} paid % in full DEPTEDXXXX XXXX {$5300.00} XXXX {$4500.00} XXXX {$1200.00} XXXX {$4600.00} XXXX {$2200.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$3900.00} XXXX {$1900.00}

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 2022-07-11 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:
I had one account with XXXX XXXX XXXX  which was in great stands by the way since XXXX. I received and alert equifax, XXXX XXXX and XXXX XXXX  from my credit report stating my loans were paid and full 100 % of {$27000.00} and the account was closed XX/XX/XXXX. Then a week later I received another alert about dept of education XXXX who is a debt collector. They told me XXXX gave them my infomation ( without my consent ) or notifying me and that i should reach out to XXXX XXXX and I did so. XXXX XXXX said that my account was in great standing per the woman XXXX and hung the phone of because i ask her for a paid in full paper due to them reporting it to my credit report. then stated the account was closed paid and full. still never told me that they transfer my account collector without my consent. You can not settle federal student loans or private student loans that are in good standing. With both federal and private loans, a student loan settlement doesn't become an option until you enter loan default. My student loans were not in default. I was not notify of anything no via mail, via email, via phone. This matter had really. XXXX report 9 account of student loans account to my credit report that all have the same account number. XXXX reported all to my XXXX This matter has put me in a deep XXXX. I did not consent to any of this matter and will be reporting this to the FTC XXXX XXXX {$0.00} paid % in full DEPTEDXXXX XXXX {$5300.00} XXXX {$4500.00} XXXX {$1200.00} XXXX {$4600.00} XXXX {$2200.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$3900.00} XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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:
I had one account with XXXX XXXX XXXX which was in great stands by the way since XXXX. I received and alert XXXX, experian XXXX  and XXXX XXXX XXXXrom my credit report stating my loans were paid and full 100 % of {$27000.00} and the account was closed XX/XX/XXXX. Then a week later I received another alert about dept of education XXXX who is a debt collector. They told me XXXX gave them my infomation ( without my consent ) or notifying me and that i should reach out to XXXX XXXX and I did so. XXXX XXXX  said that my account was in great standing per the woman XXXX and hung the phone of because i ask her for a paid in full paper due to them reporting it to my credit report. then stated the account was closed paid and full. still never told me that they transfer my account collector without my consent. You can not settle federal student loans or private student loans that are in good standing. With both federal and private loans, a student loan settlement doesn't become an option until you enter loan default. My student loans were not in default. I was not notify of anything no via mail, via email, via phone. This matter had really. XXXX report 9 account of student loans account to my credit report that all have the same account number. XXXX reported all to my XXXX. This matter has put me in a deep XXXX. I did not consent to any of this matter and will be reporting this to the FTC XXXX XXXX {$0.00} paid % in full DEPTEDXXXX XXXX {$5300.00} XXXX {$4500.00} XXXX {$1200.00} XXXX {$4600.00} XXXX {$2200.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$3900.00} XXXX {$1900.00}

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 2022-07-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Date updated inaccurate fcra violation delete account XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXXXXXX XXXX, XXXX XXXX Date updated inaccurate fcra violation delete account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: MS

Complaint narrative:
AFNI {$200.00} DO NOT AND DID NOT CONSENT TO YOU TO PLACE THIS ON MY CONSUMER REPORT THIS NOTICE IS TO CEASE AND DESIST ALL ILLEGAL ACTIVITIES WHICH INCLUDES REPORTING CONSTITUTEs COLLECTION ACTIVITIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I applied for assistance via our mortgage company, Planet Home Lending. Between XXXX, I provided them with all of the documents they requested. On XX/XX/XXXX, our application was marked completed and we were told it would take XXXX days for us to receive a response. On XX/XX/XXXX, I contacted Planet Home Lending via phone and was advised it could take up to 60 days to receive a response. On XX/XX/XXXX, we received a letter from Planet Home Lending via mail. The letter stated that we would be in a repayment plan starting XX/XX/XXXX. The wording on their letter isn't clear, and I've asked for clarification. On XX/XX/XXXX and XXXX, I was told that a request would be submitted to correct our late reporting to current. On XX/XX/XXXX, I sent an email asking for clarification. I received an automated email that it could take up to 5 business days and would be forwarded to the correct department. I decided to call instead and I spoke with XXXX different people and was all advised that I should've made payments on time, my credit will show as late, and there's nothing that can be done. On XX/XX/XXXX, I contacted again because a fourth month was marked as late on our credit report. Again, I was transferred around until I spoke with XXXX in customer service who politely explained our repayment plan in detail including terms and conditions that weren't clearly and properly explained to us. Planet Home Lending 's repayment plan doesn't provide us protection against late payments and our payments will reflect as late for XXXX months, dinging our credit reports up to 50 points each month. Once the repayment plan ends then, our payments will reflect on time. No additional support was provided except for us to pay {$9600.00} which is impossible to do. Had we known this would've been the case, we could've paid the XXXX months back mortgage payments in XXXX when I received my father 's life insurance check. There is no direct line to reach our migration specialist and I've only spoken to her once and that's when I called to complain. XXXX was rude, not empathic, and horrible to deal with. Our loan was sold to this company last year and until we needed assistance, we'd never had any issues with them. I wish our loan had never been sold. How this company is still in business is beyond me. They hid behind unclear wording and do not properly communicate. I've only spoken with XXXX agents that went above and beyond. As soon as we can build our credit back up and are eligible to refinance, we will be going with our XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NJ

Complaint narrative:
" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. IAMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TOTHELETTER OF THE LAW '' XXXX, XXXX, Equifax XXXX XXXX XXXX are failing to comply with FCRA laws. I have filed a police report, an identity theft report & reporting I was a victim of identity theft to all parties. The following accounts were opened without my knowledge, authority or consent & I need them blocked from my credit file & internally with XXXX XXXX. I'm again attaching a police report, identity theft report, my photo ID and local address document. Please see the following information is removed from my report. XXXX XXXX Accounts # XXXX, XXXX & XXXX. Also the following address is not mine XXXX XXXX XXXX XXXX XXXX & there is some social security which is not mine either - XXXX. Please see that all this information is blocked from my records...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NJ

Complaint narrative:
" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. IAMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TOTHELETTER OF THE LAW '' Experian, XXXX, XXXX XXXX XXXX XXXX are failing to comply with FCRA laws. I have filed a police report, an identity theft report & reporting I was a victim of identity theft to all parties. The following accounts were opened without my knowledge, authority or consent & I need them blocked from my credit file & internally with XXXX XXXX. I'm again attaching a police report, identity theft report, my photo ID and local address document. Please see the following information is removed from my report. XXXX XXXX Accounts # XXXX, XXXX & XXXX. Also the following address is not mine XXXX XXXX XXXX XXXX XXXX & there is some social security which is not mine either - XXXX. Please see that all this information is blocked from my records...

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 2022-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
Loan was transferred to MOHELA and payments did not continue for 7 months. They only started again when we called. This contradicts the communication from XXXX XXXX which stated our payments would continue and NO ACTION WAS REQUIRED ON OUR PART! 

Just missed out on {$8000.00} worth of payments interest free! 

This feels like an intentional act. What happened to the TRUTH IN LENDING requirements? 

MOHELA stated we will have a new account number. The representative gave us the SAME ACCOUNT NUMBER. 

What has happened with this transfer of data??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: National Credit Adjusters, LLC
State: MS

Complaint narrative:
XX/XX/2021 {$470.00} I DO NOT AND DID NOT CONSENT TO YOU TO PLACE THIS ON MY CONSUMER REPORT THIS NOTICE IS TO CEASE AND DESIST ALL ILLEGAL ACTIVITIES WHICH INCLUDES REPORTING CONSTITUTEs COLLECTION ACTIVITIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: CO

Complaint narrative:
Rent Recovery Solutions LLC claims me and my roommate individually owe {$310.00} as of XX/XX/22 to XXXX at XXXX XXXX. We paid all of our bills in a timely manner and XXXX at XXXX XXXX even sent us reimbursement money from our security deposit upon move out on XX/XX/22. So us owing money makes absolutely no sense. We also never received any emails or calls indicating we ever owed any money, which is illegal to automatically send debt to a debt collector. We have contacted XXXX at XXXX XXXX multiple times and its been weeks since they said they would contact us back, but havent every time we reach out. Please make sure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: NJ

Complaint narrative:
" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THELETTER OF THE LAW '' All three credit reporting agencies ( Equifax, XXXX & XXXX ) are failing to comply with FCRA laws & sections. Over the past few years I've informed them I was the victim of identity theft and numerous accounts were opened due to it. I've provided them with the required documents ( identity theft report, drivers license, address document & copies of the credit ). Each has claimed they verified the accounts without providing any verifiable proof. Since things have become so stressful, I finally ask my local police dept to take a report of the incident. I'm attaching everything again in hopes you can support me in getting the following accounts removed - XXXX XXXX # XXXX, XXXX, XXXX & XXXX. Please see the following accounts are removed/blocked and/or discharged from the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berman & Rabin, P.A.
State: CA

Complaint narrative:
XX/XX/2018 {$6500.00} Attempted to contact company and no response. I have no idea what this debt is in regards to, as I do not have any accounts in collections. Nor, do I plan too. This sounds very suspicious to me and the fact that I couldn't get anyone to talk to me. 
Law office of Berman & Rabin P.A. 
XXXX XXXX XXXX XXXX, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This complaint is regarding account # XXXX. I notified Bank of America and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I am a victim of Identity Theft and have been a part of the XXXX Breach Settlement. My information has been compromised and I indicated this to Bank of America. Bank of America agreed that once the account was settled that the account would be deleted from my credit files. I have no knowledge of opening up this account. I have traveled in and out of the country and my personal information was exposed. I still see the accounts on my credit reports and ask that these accounts be removed entirely.

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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 i made a mobile app deposit to my Capital One 360 checking account ending in XXXX in the amount of XXXX unfortunately the bank wouldnt release my funds because they allegedly needed to verify the remitter of said check that was XXXX  months ago! Since then i have made a few efforts on my own to get Capital One to actually get on the phone and call the remitter in this case XXXX XXXX and their partner bank XXXX XXXX bank i actually have had XXXX agent verify the check with XXXX XXXX but have had difficulty verifying with XXXX XXXX because of their policy of being unable to speak on a recorded line like the one Capital One uses!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: NJ

Complaint narrative:
" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THELETTER OF THE LAW '' All three credit reporting agencies ( XXXX, XXXX & TransUnion ) are failing to comply with FCRA laws & sections. Over the past few years I've informed them I was the victim of identity theft and numerous accounts were opened due to it. I've provided them with the required documents ( identity theft report, drivers license, address document & copies of the credit ). Each has claimed they verified the accounts without providing any verifiable proof. Since things have become so stressful, I finally ask my local police dept to take a report of the incident. I'm attaching everything again in hopes you can support me in getting the following accounts removed - XXXX XXXX # XXXX, XXXX, XXXX & XXXX. Please see the following accounts are removed/blocked and/or discharged from the original creditor

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 2022-07-12 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The companies listed below violated my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 a states I have the right to privacy.

15 U.S.C. 1681 Section 604a Section 2 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