vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/XXXX I called To pay off the promotional balance in the amount of {$790.00} on the XXXX XXXX XXXX XXXX  account that was expiring in XXXX as of XXXX. I requested it the representative to allocate the payment towards the promotional balance. 

When I called on XX/XX/XXXX I was advised that the original request was not done and that a new request would be placed. 

I called back on XX/XX/XXXX and the payment still was not allocated towards the promotional balance on this day I was advised that it could take up 2 billing cycles. 

I called back XX/XX/XXXX and the payment still was not allocated. 
Then I called on XX/XX/XXXX and the payment has not been allocated, and now I have been charged the interest rate of 26 % in the amount of {$490.00} Towards the promotional balance. This amount should have never been charged to me. Because I was calling to originally pay off the promotional balance. 

After holding for 30 minutes, the representative was not able to assist me and told me to call back to resolve my issue. That's when I decided to contact the bureau.

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 monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
I've been contacting Citizens Bank ( as well as XXXX ) to resolve issues pertaining to XXXX  Loan " co-signer '' release since XX/XX/XXXX. I received notice on XXXX XX/XX/XXXX ( see attached ) from XXXX stating that " Citizens-Bank owned loans as cosigner was removed effective XXXXbecause Citizens Bank approved your ( my ) request for Total and Permanent XXXX. '' As of XXXX XX/XX/XXXX, all three credit bureaus have listed accounts as past due ( XXXX ) which GREATLY impacting my credit score ( s ). I need help with getting this action resolved per their notification I received and that my credit score be corrected. Thanks for all you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: VA

Complaint narrative:
Signed up with Level One Law for debt management. They started pulling money from my account XX/XX/XXXX. Payments were due on the XXXX and XXXX. I went into my patient portal to adjust my draft date since I'm not getting paid until the XX/XX/XXXX. I didn't see how to make the change so I called the company and the voice mail stated the we're open. Red flag. I reached out to the local lawyer to whom I was assigned. He assured me everything was alright and if I'm still having trouble reach back out to him. I then called XXXX XXXX XXXX and found out they had received multiple calls regarding this company this week. I closed my account so no further drafts would be taken out. Found out out of the XXXX put in only XXXX was left. I feel like they never provided a service, therefore only administration fee should have been taken out. They hadn't even sent letters to my creditors identifying theirselves and making them aware the would be speaking on my behalf.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The following corporations and agencies have violated my consumer rights, and I will be using every remedy under federal consumer law : They have ignored every letter of online activity that was sent to them to recognize their fault in this manner : XXXX XXXX XXXX, XXXX XXXX, Midland Collection Agency, XXXX, and XXXX : Under my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that your agency provide detailed verification of the alleged debt, including the original creditor 's name, the nature and amount of the debt, and any relevant contractual agreements. Failure to provide such verification will be considered a violation of my rights, which he still has not provided today.

In light of the lack of a contractual relationship and unauthorized access to my private information, I request that your agency cease all communication with me regarding the alleged debt. Any continued attempts to collect on this debt without proper verification will be considered a violation of the FDCPA.

I expect your agencies to conduct a thorough review of this matter and provide a written response within [ a reasonable time frame of 14 days ] addressing the concerns raised in this complaint. Failure to provide evidence of a valid contractual relationship or continued unauthorized access to my private information may result in further legal action to protect my rights.

According to 12 CFR 1016.7, a consumer has the right to opt out of credit reporting services at any time. Despite my explicit request to exercise this right, the necessary information on opting out has not been provided. This failure to comply with the law is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The following corporations and agencies have violated my consumer rights, and I will be using every remedy under federal consumer law : They have ignored every letter of online activity that was sent to them to recognize their fault in this manner : XXXX XXXX XXXX, LVNV Funding, XXXX XXXX XXXX, XXXX, and XXXX : Under my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that your agency provide detailed verification of the alleged debt, including the original creditor 's name, the nature and amount of the debt, and any relevant contractual agreements. Failure to provide such verification will be considered a violation of my rights, which he still has not provided today.

In light of the lack of a contractual relationship and unauthorized access to my private information, I request that your agency cease all communication with me regarding the alleged debt. Any continued attempts to collect on this debt without proper verification will be considered a violation of the FDCPA.

I expect your agencies to conduct a thorough review of this matter and provide a written response within [ a reasonable time frame of 14 days ] addressing the concerns raised in this complaint. Failure to provide evidence of a valid contractual relationship or continued unauthorized access to my private information may result in further legal action to protect my rights.

According to 12 CFR 1016.7, a consumer has the right to opt out of credit reporting services at any time. Despite my explicit request to exercise this right, the necessary information on opting out has not been provided. This failure to comply with the law is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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. 

Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I have paid off my debt and there still taking money out of my bank account. I have tried to contact Weltman , Weinberg & Reis Co. LPA several times during there open hours and left them messages telling them the times I'm available and they only call me while I'm at work. XX/XX/XXXX was my last full payment of {$200.00} and then XX/XX/XXXX was going to be my last payment of {$3.00} but was charged the full {$200.00} then was charged another {$200.00} in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. I have been having trouble trying to buy a home being a first time home owner, due to these items being on 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. 
thank you, any questions you can contact me at 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 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
At XXXX on XX/XX/24 I called what I believed to be my bank about a withdrawal I was planning to make, as it was large and I didnt want my account to be flagged to shut down. I was asked multiple questions to verify it was my account which I answered, my call was disconnected and I thought nothing of it, I had the answers I needed. I received 5 calls from this number and did not answer them. I then got a text message from chime saying my account was locked due to suspicious activity. I called the number back, and was told I needed to go through the verification process once again and move {$2500.00} into a separate account to hold it for the process of unlocking my account. I was told it wouldnt go through as my account was locked and it was just part of the process and I believed it as the number they called from was the number I call for my bank all the time. {$2500.00} was moved into a different chime account without my authorization and I spent 2 and a half hours on the phone trying to get it back. Chime told me they dont know how the scammers were able to get their phone number. Chime has told me they can see the money in the other account and that an internal investigation is being conducted however I feel like no one is taking this seriously and I feel like Im not being helped. 
Attached are the call logs as well as text messages from the scammers and the wire transfer that was made without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I noticed that several transactions were deducted from my account on XXXX. I contacted the credit union and informed them that I did not make nor authorize these transactions. 

The credit union credited my account for the following disputed transactions. However, the credit union failed to credit my account for {$2000.00} that was XXXX XXXX transaction that I did not make. I have never provided anyone my XXXX XXXX information nor authorized an individual ( S ) to transfer money from my account to their account via XXXX XXXX. 

The credit union informed me that the unauthorized transactions were made from XXXX ( XXXX ) devices. The only access device that I use to make any XXXX XXXX transactions is from my cell phone. I have not given access to my cell phone to anyone. 

It appears that the credit union has violated Regulation E 12 CFR 1005.11 because they refuse to refund the disputed transactions back to my account that are covered by the Electronic Fund Transfer Act and Regulation E because of the following : * First, the transactions that I disputed met the definition of Electronic Funds Transfer per Regulation E 12 CFR 1005.3 ( b ) ( 1 ) because my transfers of funds were initiated through XXXX access devices that I do not own and dont have access. 
* Second, my disputed transactions met the definition of an unauthorized EFT per Section 1005.2 ( m ) ( 1 ). 
1. Section 1005.2 ( m ) ( 1 ) states that this exclusion does not apply to transfers initiated by a person who obtained access devices through fraud or robbery. 

* The Official interpretation of Regulation E 12 CFR 1005.2 ( m ) ( 3 ) Access device obtained through robbery of fraud ; states that an unauthorized EFTs includes transfers initiated by a person who obtained the access device from the consumer through fraud or robbery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The other day I viewed my credit to find that there were a number of problematic and inaccurate information and inquiries. These inaccuracies are absolutely devastating and have sent me into an anxious spiral. I need my credit back in good standing in order to get business funding and keep my business abov ground and these errors are making that impossible. I need this corrected right away.

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 2024-01-17 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, NC XXXX 9. The following personal information is incorrect Account Number : NAME : 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm says that I had a loan through them for an item purchased using my identity thus they deem it true and verifiedthe purchase was paid off by whomever used my info but thats not the point it wasnt me! 
And XXXX did a credit authorization on me without my consent resulting in a hard inquiry to my credit report and since my information that was used was correct they deem it true and verified even though this was also not my consent nor did I authorize them or any agency to run my credit for anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The other day I viewed my credit to find that there were a number of problematic and inaccurate information and inquiries. These inaccuracies are absolutely devastating and have sent me into an anxious spiral. I need my credit back in good standing in order to get business funding and keep my business abov ground and these errors are making that impossible. I need this corrected right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
on XX/XX/XXXX i received my escrow staatement from Bayiew Loan Servicing. It showed that my escrow account was {$15000.00} in the negative. I called and was told that this was for back taxes. When I questioned this they could not tell me who the money was paid to, I kept calling and got the same answer. Since XXXX my servicing company has changed 5 times. Each time I called the new ccompany and asked who the taxes were paid to. same reply. they did not know. Today I called XXXX XXXX the most recent company and spent 3 hours plus and still got the same answer. " They did not have that information. '' I was told on XX/XX/XXXX that XXXX gould not assist me further bacause my mortgage was current. I stopped making payments at that time and have not made any further payments My loccal taing authority on a conference call told XXXX that there were " no '' outstanding claims ffor back tae for XXXX and previous yers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was investigating my credit report and was riddled with panic when I saw how many inaccuracies were being reported. I am in need of a new home for myself and my kids and these unverified inaccurately reported inquiries are greatly affecting myself and my family as we are not able to make a necessary move to be closer to family. I need these inquiries removed.

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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Hello, I have been an AMERICAN EXPRESS card holder for many years. Recently, I received with appointment my statement showing an annual fee. I have other credit cards with no annual fees and same benefits so i decided to close the gold XXXX  credit card ending on XXXX. AMEX stated that the fee is for the 2024 year, and they wanted it cancel by XXXX XXXX. I cancel it as soon as i could on XX/XX/XXXX, i had XXXX balance. upon closing the account, AMEX refused to refund the annual fee for YEAR 2024 ( {$99.00} ) not only that, but they intent to charge me late fees and interest fees for a fee unfairly charge to my account. AMEX is threatened to RUIN MY CREDIT SCORE IF I DON'T PAY THEIR FEES.

AMEX is charging {$99.00} to clients who cancel the card regardless. They don't believe in prorating the annual fee or so.

AMEX unethically charge me an annual fee but I had canceled the card and will not use it in 2024!! 
Don't charge customers for something they don't use.

Company response to consumer: Closed with monetary relief