vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Capital One credit card. I paid off my balance on XX/XX/2022. I had a XXXX balance for the rest of the month and I did not use the card for any purchases. 

On XX/XX/XXXX I logged into my account and saw that I had a {$2.00} interest charge. After viewing the statement the it said {$100.00} was subject to interest even though my balance was XXXX. 

Additionally I have auto pay set up on the card and the {$2.00} was not paid automatically. When I called customer service they could not give me a clear answer as to why I was charged interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I replied to an email from the collection division of XXXX XXXX XXXX, and I told them that I never received the merchandise that ordered from them. Never received a response. So I disputed their little collection account on my Experian credit report, and the proceeded to re-age my collection account so that it would spoils that I was currently late like 120 days in my payment. Thereby, causing my XXXX score to plummet. Fell XXXX points in less than XXXX hours.

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 2022-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: IL

Complaint narrative:
I have received many calls from this company Duvera threatening to sue me. I keep telling them that this is not my debt. I've asked them to send me proof that it is my debt because they say it is a valid debt. I have never heard of this company and this is not my debt. This is a scam. I want this debt deleted from my credit report, I do not owe this debt it is not mine. It says this debt was opened XX/XX/XXXX and closed on XX/XX/XXXX. The original debt states it was {$500.00} but is reporting a balance of {$1200.00} on my credit. This debt just recently popped up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XX/XX/XXXX. My sister and I came to an agreement to co-sign for her. We already were approved by the bank beforehand and were told to simply go pick out a car.The first few days we were unsuccessful in locating a car. Whilst at work my sister and mother visited a car dealership and reported to the salesman XXXXnumerous occasions how it was completely unnecessary to run my credit. Primarily because we already got the green light from the bank. He fraudulently obtained my social security number stating he needed it for paperwork related to the vehicle my sister was inquiring about. Since we are twins our numbers are nearly identical up to the last digit. He then ran my credit with no consent or permission from me and moments afterward I receive a notification from Experian stating that the dealership obtained a copy of my credit score. Then once again on XX/XX/XXXX from XXXX stating the same thing. Both instances without my consent and or permission. This has truly put a dent on me being able to start the home buying process in the next year simply because both these hard inquiries will not be removed from my credit profile until XXXX. I contacted the dealership the day of said incident and was told on numerous occasions he would contact me at a later time to just outright be given the run around.

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 2022-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: TN

Complaint narrative:
I have been dealing with so much from The Money Source their customer service has been extremely difficult for me they have dropped the ball on my loan and compromised my loan Most every time I call they dont know what I am speaking of concerning my mortgage and that I need to fill out a loan modification and my loan is in foreclosure simply because they did not record any procedures that went on during Covid forbearance. Even before Covid they have been unreliable customer service not keeping track of any of the calls I made. Every time I called talking to a different person I dont even think the same people work there week to week. I regret the day my loan got sold to them from one of the best companies I ever had by default In XX/XX/XXXX I called to reinstate my forbearance and they said I did not call in XX/XX/XXXX to do that in the first place and that my loan was in foreclosure and then I had to fill out a loan modification I was not prepared to do that at all and then when that went through they said my dates that I sat down and sign with the notary did not match so then I had to fill out another packet and then within two weeks they had expected me to make a payment when all I wanted was longer forbearance I am still having a hard time finding a job and I have decided to open my own small studio in some suites to make more money and be in charge of my own money I do not want to lose my home I do not want to lose my car Im behind on my homeowners association payments and they have a lien on my property I have been through XXXX since Covid XX/XX/XXXX I lost my job of 13 years and I can not get a refinance because of my credit it has really been a disaster I just want to start my own business and make my own money. If I could access money I could do that. Every company I have worked for has stolen tremendous amounts of money from me therefore I do want to work for myself now. I have been let go because of lack of professionalism on the part of the business and I cant even collect unemployment. I have a equity in my home I do not want to lose my investment it is all I have. I have worked hard all my life to get where I have gotten and I dont want to lose everything and every day I am in a panic that I am going to get everything taken away from me. My mortgage company has not helped with that as now they are sending me default letters after only a month. I called and told them what was going on and they told me to fill out yet another loss mitigation packet I can not take it much longer. I do have an application in with XXXX I do not know know how long that will take. But I just need some time this has not gone away. Covid is still affecting my life very much it just snowballs. Just because it goes away in the world doesnt mean the bills got caught up they just snowballed. I am very behind on everything and I am about to lose my car as well I do not know what to do please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
Some of the transactions on my account are being processed twice. Its very random and not all transactions. For example a transaction posted today for {$46.00} from XXXX and it was subtracted twice from my funds. I had a transaction last week from XXXX last week when I went grocery shopping and it processed twice. My paycheck was deposited today and Im hesitant to pay bills because I do not want to risk the transaction going though twice. Ally bank does not respond to messages.

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 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$0.00}

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 2022-04-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX XXXXXXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX SXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance XXXX {$190.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$60.00}

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 2022-04-16 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXXEquifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see the attached documentation to meet my demands in a timely manner. I have never authorized or gave written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: GA

Complaint narrative:
XXXX XXXX XXXX is on my credit reports all information reported must be accurate this is identity theft I never owned signed a contracts or possessed the vehicle this violates contract law universal law fcra and fdcpa and the ucc I will go to the fullest extent of all law and order to correct this matter of not corrected in 15 calendar days of this notice this serves as a quasi contract from silence in every attempt that's been made to correct this in civil regard

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 2022-04-16 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: GA

Complaint narrative:
XXXX XXXX XXXX is on my credit reports all information reported must be accurate this is identity theft I never owned signed a contracts or possessed the vehicle this violates contract law universal law fcra and fdcpa and the ucc I will go to the fullest extent of all law and order to correct this matter of not corrected in 15 calendar days of this notice this serves as a quasi contract from silence in every attempt that's been made to correct this in civil regard

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: GA

Complaint narrative:
XXXX XXXX XXXX is on my credit reports all information reported must be accurate this is identity theft I never owned signed a contracts or possessed the vehicle this violates contract law universal law fcra and fdcpa and the ucc I will go to the fullest extent of all law and order to correct this matter of not corrected in 15 calendar days of this notice this serves as a quasi contract from silence in every attempt that's been made to correct this in civil regard

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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OPORTUN FINANCIAL CORPORATION
State: LA

Complaint narrative:
My credit limit was for XXXX $ so I pay them on time every month. Last month in XXXX I noticed that they took 3 payments from me. On the XXXX XXXX and the XXXX. I never authorized the ones on the XXXX and XXXX. So when I called them they sent me a revered payment back for the XXXX of XXXX $ but then they also charged me XXXX $ for a check not clearing i don't right checks. And if I did they already had the 3 payments. I what its can down too is because they had too send my my XXXX $ back that I did not authorize them too so then they charged me XXXX $ for sending me the XXXX back. Then even tho they still had the payment from the XXXX and XXXX they turned me into the credit bureau when I made my payment on time. They have me down for reseving 5 reversal payments but the only one I ever received was the XXXX $ they took. I have paid them XXXX $ so far. In XXXX it show that i owed still XXXX $ and in XXXX my new balance is XXXX XXXX I tore this card up 8 months ago so I ask them how is it I've made all my payment of XXXX $ I haven't used my card in month but my balance now is only XXXX she had a million excuses for everything. Last month wasn't the first time they took more then one payment they hit me a few more times. As u can see in XXXX they got there payment on time but tried 2 more times and still turned me into the credit bureau. Now they show me as in minus XXXX something dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/2022 I submitted two claims about there being two unauthorized charges made to my account. One taken from my saving account in the amount of {$2000.00}, and one made from my checking account in the amount of {$650.00} through a XXXX transaction. Both charges that were not made by me. 
Wells Fargo, my bank, stated that they will give me a claim number and do an investigation on my claims. In the meantime, I have changed all my account passwords and enabled two factor authentication for more security on my accounts just in case. 
On XX/XX/2022 I receive a letter in the mail about both claims I have submitted and the updates on them. They both said that, both the {$2000.00} and the {$650.00} could may be the result of fraudulent activity and they gave me a new claim number and closed my original claim number. 
Then in XX/XX/2022 I received a letter about both claims stating that they have determined that the transactions were made by you, or someone who had or authorization I did not give authorization nor did I, myself made these charges.

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 2022-04-16 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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