vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor, 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 an 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 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I am being contacted and harrassed by Radius Global solutions about a debt wXXXX XXXX XXXX XXXX they say I owe of a little over {$600.00}. I repeatedly tell them I have not had an XXXXXXXX XXXX XXXX  account for over 20 years and owe them nothing. They keep asking for me to verify my social and I tell them no. They did ask if my email was XXXX which I said it is not. They asked if I lived at an address in XXXX XXXX, MD which I have only lived on the XXXX XXXX in XXXX XXXX XXXX, so they clearly have the wrong XXXX XXXX. Please make these vultures stop texting, calling and bugging me when I don't owe XXXX XXXX XXXX  anything. I actually called XXXX XXXX XXXX  and gave them my social and nothing came up. The lady there said this is probably a scam, but either way, I am putting this in just in case. I also have credit protection on and show nothing on there for collections from anyone, let alone 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 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
ERC has violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
ERC failed to validate this alleged debt. 
I refuse to pay this alleged debt until the proper VALIDATION of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
I applied for a loan on XX/XX/ with XXXX for XXXX solar panels, through Goodleap financing. I was approved for a loan for XXXX solar panels. During the loan, the loan cancelled, due to time that it was taking to install the solar panels. Trying to figure out the process of either going through a new company or continuing with XXXX XXXX, I signed a loan with a different company and financing company. XXXX XXXX called me and told me to cancel the loan with the other company, due to the fact that I still had a loan with GoodLeap ( How did XXXX know this? I'll never know ). I called GoodLeap and confirmed that XXXX cancelled the loan. XXXX 's representative, XXXX XXXX, called me on the phone ( with his personal cellphone ) and told me that it was not cancelled and all that he had to do was reconfirm the loan. I cancelled the loan with the other company believing that it was a reconfirmation of the first loan. On XXXX  Goodleap emailed me to call in and verify the loan through their XXXX #, it reflects this phone call on my telephone logs. They also re-confirmed the first loan on XXXX by sending me an email and telling me I was approved and nothing further was needed. On XX/XX/, a whole day later, a new loan was signed. It was signed in a place and a time that I was not at. Their representative from Goodleap stated to me that the loan was signed at my house on XX/XX/ at XXXX. I was XXXX hours away when that new loan was supposedly signed. On XX/XX/ an adder was then added to the loan, which did not hold my signature. That added an extra XXXX $ to my loan. If XXXX and Goodleap reconfirmed the loan with me on XXXX and told me nothing else was needed, WHY would I need to sign a loan on XX/XX/? Additionally, adding an extra XXXX $ to the loan AFTER a loan ( even though fraudulent ) has been signed is NOT legal. Furthermore, now I'm overcharged with fraudulent charges on my loan and I did not even get number of solar panels I was originally supposed to have. Additionally, the installer placed the solar panels wrong on my roof, and I'm going back and forth with my HOA because of it. This is FRAUDULENT all around.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Citi Card charges interest even when APR = 0 % on account. In my XX/XX/XXXX Statement, the balance Subject to Interest section ( the regulatory form at the end on statements ) indicates that NO amount of balance is subject to interest. 

My account was supposed to be at 0 % interest in that cycle as well as several cycles thereafter. I was still assessed interest in the XXXX cycle. Citi sent me a letter on XX/XX/XXXX indicating and confirming that my PURCHASE balance had been paid off in full. Is that not the Card Act equivalent for considering me a transactor?

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX2023 I deposited {$5700.00} in the form of 5 checks from the U.S department of treasury. The next day XXXX2023 Citi Bank with out warning put a block on my account due to " Potential Fraudulent Activity ''. They were no help at the branch and said there was nothing they could do and would take 48 hours to receive a decision if they will be lifting the block or closing my account. This is extremely troublesome as I have bills to pay and have a family emergency and have to get to Florida due to a sick grandparent. I cant pay for a flight, buy grocery 's, pay my bills. To top it all off I have direct deposits that will be going into this account next week as well. I need this account reopened ASAP. This can not wait. These check were from the Treasury department for God sake. Its not like it was a personal check! Please help! My next course of account will be a class action lawsuit against Citi Bank. I don't want to have to take it that far but am prepared to do so. They have got to be better about fraud protection. I understand keeping people protected but this is absolutely ridiculous as I was able to confirm my identity. Anything you can do to help would be much appreciated. Best regards,

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 2023-02-03 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:
Hi, I sent your company a dispute letter last month, XXXX XXXX, 2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian website and phone service doesn't work. 

On Website : I tried to create and account and got an error. The system did not tell me why there was an error. I was unable to proceed. 

Calling on phone : I was able to easily freeze my credit file. 
Calling on phone : I called back to un-freeze my account. The system told me I needed a " PIN ''. I did not receive a pin when I froze my credit file. There was a voice prompt asking me : " Do you want your confirmation number? ". Maybe this is my pin? There was no indication on the voice prompt that I needed this confirmation number to unfreeze my credit report. 

Website : I though maybe I had already created an account. So, I chose the " find account username option ''. I put in my email and requested the process to find my username. NOTHING CAME TO MY EMAIL. 

On Phone : I called in to speak with someone, but it was EXTREMELY Difficult to get a live person on the phone. Everytime I chose an option, the phone system kept directing me to the website or a mailing option. It said, " we know you want to speak with a person, but you need to tell us why ( basically ). '' Then, when I chose the option " reset account '' or " find PIN '' it directed me to the website or a process on the phone. NOT A PERSON. 

On Phone : I chose the option " Member services '' and, lo and behold, I got someone. I presume this is because this can be a PAID SERVICE. The person I spoke with needed to identify my identity. 

Verifying my identiy : XXXX of the identify questions was : What is XXXX of your license plate numbers. I don't know if this is a legitimate part of the verification or not. If it is, it is a rediculous question. We have XXXX cars and none of them are with me now at my desk. Also, a license plate number is nowhere part of a credit profile and should not be a question regarding credit verification. 

I was able to get through my verification process and the agent says they sent me an email to reset my password. It has not arrived yet. Hopefully, it will. We'll see.

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 2023-02-03 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: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. XXXX is being investigated by the FTC

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 2023-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Background - I refinanced my home loan and paid off debt with the equity. One of those debtors was a regions credit card ( {$7900.00} ). XXXX XXXX pre-printed the checks they inadvertently wrote regions ' check for {$7900.00} which was XXXX XXXX cents short. 
On XXXX XX/XX/XXXX I made a pre-written check payment ( through XXXX XXXX ) to my delinquent credit card account. I made the payment at the drive-thru window at my local Regions bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX ). I did not follow-up until today ( XXXX XX/XX/XXXX ) as I assumed if there were issues I would have been notified. There was no notification neither from XXXXXXXX XXXX  nor Regions. 
On XXXX XX/XX/XXXX I called the " charge-off '' department of regions to inquire about the delinquent account. I was anxious and upset. I informed the regions representative as such. I maintained my composure however, the moment I stated my frustration seemed to trigger, from then on, a very negative condescending and authoritarian attitude. The bottom line was the payment was {$.00} short. 
This is the issue. Regions took my money from XXXX XXXX and deposited it. Where it was deposited I do not know, it was not applied to my delinquent account ( per account statements as of this date XXXX ). It was not returned as insufficient payment, I have receipts for the processed check and the teller deposit, dated & timed. The account shows {$7900.00} delinquent. That means they most assuredly made interest from that money. After three months of holding my money they should credit the XXXX  cents and write me a check for the balance of the interest from {$7900.00} for three months.

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Establishing Stop Payments and Paid the fees for Stopped Payments, only to have the Bank not stop the payments, causing my account to show negative balances for almost a complete month sometimes. When addressing the issue with the Wells Fargo bank, I am continually patronized and the dispute ignored... sometimes a claim is filed... sometimes a temporary credit is issued then the same temporary credit is reversed without notice weeks later. I have also been told to use small claims court. I have always given proof of Merchant errors, as well as Wells Fargo Errors. Wells Fargo has collected funds from the merchant and from me at the same time during the same disputed transaction. I HAVE PROOF. This is currently happening, and on several occasions in the past. The correction is not recognizable in the transaction history of my accounts, but all of a sudden my balance is more or less than expected, and I do have emails to show the errors, though my accounts do not show them. The amounts vary from {$0.00} - {$1000.00}.

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 2023-02-03 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: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC

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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX through a mortgage program because of covid agree to pay $ XXXX toward my mortgage, but I have to pay the difference which is XXXX first, because the state wants to make sure when they make a payment the account is XXXX out and not behind. Citizen bank wont let me make a partial payment so that XXXX can make their payment after. I have called the bank over XXXX and I have been getting a runaround. 

So I need to make 2 partial payments to pay my past due balance, my house is in foreclosure and the bank won't process my payments. The XXXX grant from the state is time sensitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Elevate Recoveries, LLC
State: NY

Complaint narrative:
I have received calls from phone number XXXX from a woman calling herself " XXXX. '' I have asked her not to call my number because she has the wrong person. The phone number was spoofed because the call did not go through after trying to call the number back. All of their listed numbers are fake. She was rude, continued trying to get personal information, and stated that she was calling from Elevate Recovery. She called again at XXXX pm on Friday, XX/XX/2023. I asked her never to call this number again, to no avail. I want all communication and harassment stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: NJ

Complaint narrative:
Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/2023 I contacted TD Bank and let them know that the action they had taken on my account had been based on the wrong information. 

They sent a letter in which they have decreased the credit limit by almost 50 % based on 1- Derogatory public records or collection fraud 2- Length of time the accounts have been established 3- No recent installment loan information 4- Number of recent inquiries When I contacted them and asked for clarification they could not provide even a short explanation for the information and eventually declined to take any steps to resolve my concerns. It also damaged my credit report since the usage of the account went up by reducing the credit amount. 
For clarification : after I got credit from them I reduced my debt substantially. So, I even revived an increased update from some credit companies. 

Their actions and decision makings have been based on wrong information to deliberately damage my credit report. In addition, they have used false and wrong information for their actions which even they could not clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: FL

Complaint narrative:
15 USC 1681 Sec. 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency maXXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I also do not have a contract with the following : 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 I am not liable for this debt, also they did not provide me with the original application with a wet-ink signature under penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have the right to privacy. 

I never authorized these accounts to be reported on any of my consumer reports. They have violated numerous laws reporting these inaccurate accounts.

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