vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
We cancelled XXXX XXXX long ago and they were paid in full. After cancellatioin XXXX XXXX kept sending us erroneous bills. We disputed the charges when the bill was erroneusly charged at {$24.00} with XXXX XXXX because of repeated erroneous charges for late fees upon late fees and fees for eBill/ Auto Pay Opt Out. We were never late, we closed out service correctly and we were never offered eBill Auto pay Opt Out. After the XXXX investigation, they ruled in our favor. This information was provided to XXXX XXXX in documents and verbally. XXXX XXXX ignored the result and referred this to a collection agency Professional Credit Service who was also provided this information are now harrassing me, adding to the debt and are threatening me with credit destruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NC

Complaint narrative:
As of XX/XX/2023, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit report nor have I received any documentation from DISCOVER. 

I have attached the documentation to verify and make sure the proper steps are taken to completely get this resolved as soon as possible. 

Changes need to be also reflected on credit file to show no balance owed since account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXXXXXX 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 XXXXXX/XX/XXXX 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 of 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 2023-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: DC

Complaint narrative:
Purchased car last XXXX from XXXX XXXX By XXXX the engine went out in car, I had to pay to be able to get around. Took XXXX weeks to get a rental car before they decided to give me a car. Not what I originally purchased. Since the new company has taken over I have had to to replace the whole back end of the car. Now they expect me to pay {$1500.00} I dont have because they gave me another car thats bad. Westlake management is no better than XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I attempted to open up an account at XXXX XXXX XXXX. In doing so, XXXX XXXX XXXX informed me of a bad debt from BMO bank for {$470.00} from XX/XX/21. The address associated with this fraudulent claim is a address I have not live at for the last 23 years. This account was not opened by me nor did I ever give permission to have an account open at BMO bank. 
At this time, XXXX XXXX XXXX is denying me the ability to open up a account until this is cleared up.

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 2023-10-10 00:00:00
Product: Credit 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: KY

Complaint narrative:
Someone opened a Capital One credit card on my Capital One account where I already had a credit card in my name under their name like a child 's account attached to my card. I realized it and started contacting them with the charges made to my credit card in my name that were not mine and the entire card that was attached to my account in another name. The people barely spoke XXXX and obviously misunderstood what I was saying over and over and over every time I called. They did an investigation on the charges under my name and removed them but when I called back about the whole other card on my account, I spent XXXX hours on the phone with various representatives that would remove the charges and they would instantly get charged back to my account after we hung up. I kept calling back and they said things like " oh sorry we don't see any investigation opened up about that '' and " I am going to remove them now, it is going to be taken care of '' and " I had to add the card back and remove them and now it is fixed '' or " I am opening the investigation now and will let you know ''. None of these statements were true and it is as if they could not understand at all what happened. All of the charges were deducted from my account and added back several times almost instantly. I never received a notice of another investigation into the card opened on my account where every single charge was fraud. I have called until I have wasted so much time on the phone for them to assure me it is taken care of and the moment we hang up, it is either not done, or reversed. This is unbelievable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MA

Complaint narrative:
I am being sent emails, about new amounts, with interest charged without providing the details of the debt. Why do I owe this debt? 

I have sent a written notice requesting all the details but have not received anything official. 

I have received an email with random numbers on a paper with no evidence that I owe this debt and I'm being charged interest on this. 

Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: IL

Complaint narrative:
The U.S. Dept of Education is reporting a fraudulent debt of {$2900.00} from XXXX  years ago. 
The Dept of Education created a fraudulent payment history.

I am writing to correct this inaccurate information.

The account number reported is : XXXXXXXX This is FRAUDULENT. This ALLEGED DEBT is misleading to the extent that it has affected my credit report, decreased my credit score and it is patently incorrect.

This is not my account. 
This is a FAKE PAYMENT HISTORY furnished. 
There should not be a payment history because this is not my account and I have never made a payment. 
This account is beyond the XXXX of Limitations. 



Thank you

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 2023-10-10 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: IL

Complaint narrative:
The U.S. Dept of Education is reporting a fraudulent debt of {$2900.00} from XXXX  years ago. 
The Dept of Education created a fraudulent payment history. 
I am writing to correct this inaccurate information. 

The account number reported is : XXXX This is FRAUDULENT. This ALLEGED DEBT is misleading to the extent that it has affected my credit report, decreased my credit score and it is patently incorrect. 

This is not my account. 
This is a FAKE PAYMENT HISTORY furnished. 
There should not be a payment history because this is not my account and I have never made a payment. 
This account is beyond the Statute of Limitations. 



Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I HAVE THREE FILES ATTACHED WITH THE CORRECT AMOUNTS LISTED PLEASE REVIEW CAREFULLY. THE BALANCE IS INCORRECT VIA DEBT COLLECTOR XXXX XXXX XXXX. 
I have below the original documents. I also paid them {$500.00} as my original deposit to process order. The original debt amount is listed as way lesser than the balance on my consumer report. Please review files. The debt collector has an inaccurate amount. The balance is inaccurate an needs to be deleted. Due to covid 19 I was not able to make ontime payments because of the shut down and and loss of work. I was able to resume payment but this balance is not correct. This item has been reported on my consumer report far to long at the wrong balance with all the inaccurate data please delete. This dishonesty has harmed my consumer report and it is against the law to report the wrong amount. Please review all the data and help as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I have contacted Mohela regarding the status of my student loans currently under the PSLF program. Mohela keeps placing my loans in Forbearance status and each month since XX/XX/XXXX I have requested for them to remove the Forbearance Status. I contacted them on XX/XX/XXXX, XX/XX/XXXX ( via message portal ), and now today XX/XX/XXXX requesting for them to remove my account from forberance status. 

On XX/XX/XXXX, I received a letter again notifying me that my loans were placed in Forbearance status and I contacted them via phone on XX/XX/XXXX regarding this forbearance status to identify why it was placed and if it would impact my PSLF status as it relates to the amount of months being counted. I was told the forberance status would impact my time under the PSLF program. I explained that I did not request forberance and the representative explained that the loans were placed under this status due to me applying for the Borrowers Defense Loan Discharge. I explained to the representative that I specifically checked the box on the form for my loans to not be placed in forberance status and I have a copy of both of the applications. The representative assured me that she submitted a request for them to be taken out of forbearance status and it would not impact my PSLF count. I asked the representative if they would send me something in writing confirming they have taken my loans out of forberance status. The representative explained she could request that one be sent to me. A letter was never sent. 

On XX/XX/XXXX, I noticed my loans were still in forberance status and sent them a message using my account portal. I still have not received a response. On XX/XX/XXXX, I received a notice that my loans were placed in " Exceptional Discretionary Forbearance. '' I am presently on hold at this time to speak with another representative at Mohela with hold times of over 190 minutes. 

This seems to be a repetitive issue that is affecting my PSLF program and the amount of time I have left for repayment and I do not want this impacting it. Especially as the last loan servicer XXXX was not truthful about me going into payment status when I first started working in the public sector in XXXX. This has signficantly impacted my date of when my loans will be forgiven under the PSLF program as I was supposed to be finished in XXXX. Now I am scheduled to be complete in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Open Accounts : 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 XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts 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 XXXXXX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have found inaccurate and incomplete information on my credit report. I have already communicated with you several times via mail but it seems that nothing has been done on your end. 

-- -- 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 XXXXEquifax 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 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
unauthorized withdrawals from debit card in XXXX thru XXXX totalling {$10000.00}

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 2023-10-10 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: GA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an Amex Gift Card that Im supposed to be able to use at any location that accepts Amex. I tried using it on XXXX on Booking.com but it was declined. I tried using it on XXXX on XXXX and it was declined. Today, I tried using it on XXXX and it was also declined. When I check my gift card balance online, it states that there is {$300.00} available. Amex has stolen my money and theyre keeping it XXXX. I would like access to my funds please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I bank at Wells Fargo. My debit card and phone were stolen on XX/XX/23. I filed a debit card fraud claim ( Claim ID : XXXX ) on XX/XX/23, for unauthorized charges due to a stolen debit card. During the about XXXX hour time frame I was not aware I didn't have my card, XXXX attempted unauthorized transactions occurred and resulted in the loss of {$4800.00} from my checking account. I thought I had only lost my phone at first, but when I realized my card was gone as well I immediately called Wells Fargo customer service on my mother 's phone to cancel my debit card. I also filed a police report with XXXX XXXX Police Department which I will attach to this complaint. I will also attach my bank statement for the unauthorized transactions. I also changed my login credentials XX/XX/23. 

I was told the claim would take up to XXXX business days. I had to call Wells Fargo today ( XX/XX/23 ) to find out my claim was denied on XX/XX/23 and that {$1000.00} of the money I lost was not even included in the original claim because it was online transactions. None of the Wells Fargo staff I spoke to on XX/XX/23 thought to create a separate claim for the online transactions. One of the people I spoke to today ( XX/XX/23 ) had to create a separate online fraud claim ( Claim ID : XXXX ). Another XXXX business days for a claim that will probably be denied like my last last one. 

Another issue is that the amount the claims specialists told me I lost is not reflected correctly in my statement. The exact amount that I'm reporting was given to me by the claims specialists.

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