vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AZ

Complaint narrative:
I moved out of my apartment, The XXXX managed by XXXX on XX/XX/XXXX. I overpaid them by {$620.00} because the office staff would not tell me the total amount owed before rent was due on the 1st and I did not want to make a late payment. After the final walk through where NO damages were found, they told me I would receive a refund within 3 to 4 weeks after moving out. When I did not receive a refund I called the XXXX apartment office multiple times and no one answered. I left multiple voicemails. I then contacted my bank, XXXX XXXX, and sent them the documents showing the amount I owed the XXXX apartment for XXXX rent and my bank agreed I was owed a refund. My bank tried contacting them multiple times over a period of 90 days. At the end of the 90 days, my bank refunded me the {$620.00} that I overpaid. XX/XX/XXXX at XXXX a debt collections company called me from XXXX and said that I owed the apartment the {$620.00} that my bank refunded me. I explained to them the situation and that I did not owe the money and that they could contact the bank who legally refunded me since the apartment did not. They claimed that it was " my opinion '' and demanded to know what documents I had to support that proof. I told them I had documents from the XXXX apartment stating how much I owed and they completely ignored me and kept stating it was " my opinion and not fact. '' The same debt collections company contacted me again on XX/XX/XXXX at XXXX and then again on XX/XX/XXXX at XXXX harassing me, demanding to know why I hadn't paid it yet. I explained to them multiple times that I did not owe the apartments any money and that the apartments are committing fraud by claiming the money as debt. I also told them to stop harassing me. Today I found out that they reported it to the credit bureaus and it went against my credit history. After disputing this with you I will be filing a complaint with the attorney general 's office for the fraud they are committing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been waiting for investigation updates or results since XX/XX/2021. It has been more than 30 days and nothing yet. There is inaccurate information reported on my credit and I have tried on several occasions last year to fix these errors with no luck. Now they aren't even responding to me. Please help!

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 2022-01-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been waiting for investigation updates or results since XX/XX/2021. It has been more than 30 days and nothing yet. There is inaccurate information reported on my credit and I have tried on several occasions last year to fix these errors with no luck. Now they aren't even responding to me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On approximately XXXX XXXX I notified Capital One of fraudulent charges on my account. The charges had been made through online merchants for the merchant XXXX. These were not authorized purchases made by me and were made for a video game. The charges started out at very small amounts ( {$1.00}, {$5.00} ). The credit limit on this card at this time was {$300.00}. In XXXX of 2021 the credit limit was raised to {$2500.00}, without my knowledge of request. This in turn increased the frequency and amounts of the charges being made by this merchant on my account. I was never notified or contacted by Capital one as to the unusual increase of charges on my account. During this time due to the delay in mail delivery and the other challenges of the Covid pandemic, I made payments to my account without throughly auditing each charge. The charges were made by XXXX and XXXX both of which I had accounts with. These fraudulent charges totaled XXXX transactions totaling {$13000.00}. 
After an extended time frame and 10 phone calls to Capital one, I was told that the amount deemed to be fraud was {$2400.00}. The remaining balance of {$11000.00} was deemed to be valid and would not be returned. Upon further request and escalation of the calls with Capital one, I was told the remaining balance was deemed valid because I continued to make regular payments on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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 — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
This company has failed to reply to any of my debt validation letters after multiple attempts. They have also failed to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
The companies name is Genesis FS card service at. XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX I am disputing this because I made a payment on XX/XX/XXXX of XX/XX/XXXX to the card services in the amount of {$110.00}, I have spoken to several agents and several supervisors and nothing has been done Ive gotten no response and no calls no letters on the situation Ive also went through a dispute center and still nothing we are in another year and I havent gotten any kind of Response. I then e mail XXXX from XXXX XXXX and she gave me you. I truly hope you can help .Than You : :my email is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 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: PA

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

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 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
CHASE BANK has discriminated against me and closed my account unlawfully. I have been taken advantage of by CHASE BANK. They did not have actual, implied, or apparent authority for such use when it came to closing my account and I did not benefit from their actions, which is a violation of the Truth In Lending Act. My Credit Card was opened under an open ended consumer credit plan, which means the account was paid in full upon the opening of the account. Therefore, they have taken my funds and closed my account without my authorization. Their cardmember agreement has violated federal law by furnishing deceptive forms and deceiving me ; the consumer. I demand that CHASE BANK reopen my account after violating my rights as a consumer and stealing from me by withholding the funds I've transferred to them through the extension of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: CA

Complaint narrative:
I am writing to the CFPB to make complaint about the reporting agency, Experian. This is not a third party filing this complaint. 

The credit reporting agency, Experian, has been furnishing false and unauthorized accounts on my credit report. Experian is in violation of the Fair Credit Reporting Act ; 15 USC 1681 ( b ) Permissible Purpose of Consumer Reports ( a ) ( 2 ) which clearly states, A consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with written instructions of the consumer to whom it relates.

I, consumer and natural person, did not give any written instructions to Experian to furnish these items on my account listed below.

1. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate 2. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate 3. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT ED/XXXX Account Number : XXXX**** Please ensure that all information is accurate 5. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate 7. This account was never late. 
XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 8. Remove the Account XXXXXXXX XXXX XXXXXXXX Account Number : 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 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

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 2022-01-13 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Company is a debt collector that initially had no record of me, my name, my address or phone number, but had a collection on my report. I sent a letter requesting information, which is attached. Absolutely no response. I feel they are violating my XXXX rights by reporting inaccurate information which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: LA

Complaint narrative:
I am XXXX XXXX, I have been reporting an Inaccurate account and unauthorized inquiries on my credit report. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last two months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family. Numerous products are getting higher demand in the market and getting expensive. And due to this pandemic, several things have been added to my family 's necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off XXXX XXXX  XXXX XXXX {$1800.00} XXXX XXXXXXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}

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 2022-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I received several forms and letters from Freedom Mortgage. I was told a notary public would arrive at my home to sign loan modification documents and I should begin making payments XX/XX/XXXX. The full mortgage payment was paid XX/XX/XXXX. Since I signed the document on a weekly basis I either receive a call or a letter that I owe for XX/XX/XXXX. 

I consistently advise the customer service agents that call me for over due payments that this is not correct and please review my account. I am then advised that my account is not updated and will be updated soon. On XX/XX/XXXX I received another call from from freedom that I owe for XX/XX/XXXX. I told the rep I paid that mortgage. She said to me that amount was applied to my XX/XX/XXXX mortgage. 

On XX/XX/XXXX I received a letter that I owe over {$5000.00} I have tried effortlessly to fix this issue with Freedom. I am given the same answer each week. The answer is the system needs to be updated.

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 2022-01-13 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: GA

Complaint narrative:
In 2021 an account was disputed for XXXX XXXX XXXX XXXX. The account was removed then reinserted. I did not receive a notification in 5 days of the reinsertion. My consumer rights have been violated. And I've tried to rectify the situation with Experian but they have not remedied the situation. Please assist.

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 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. I have no contract and have no reason to be in any type of business with this company and they are committing FRAUD. My credit profile is affected by these violations, this fraud, SUSPICIOUS, AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the validation and verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. 


I have sent letters on In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and i still have yet to receive a proper response that validates this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX plan for my daughter at XXXX  XXXX  number XXXX unable to get money to call college fees despite hours spent on phone with my daughter and myself and multiple steps and forms taken. please help

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 2022-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/21 a letter was mailed with certified receipt asking for validation of this medical debt and I havent received a response within the 30 day threshold from Account resolution services I called in to verify my letter was received and they confirmed over the phone please remove this account I now consider it to be invalid after failing to validate it.

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 2022-01-13 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
In XX/XX/XXXX we started a 4 year lease with Kia Motors. In XX/XX/XXXX our vehicle was totaled in an accident. Our insurance company paid off the vehicle and loan. Months later Kia decided the insurance company did not pay them enough. Kia told us we owed them an additional {$1800.00}. This is fraud and attempt of theft.

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