vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
I discovered the collection account that was opened from XXXX mobile and bought by Sunrise Credit Services, at the beginning of XXXX this year.They never sent me a letter or called me or anything to notify me ( probably because they didn't have my actual info since the only info they would've had has fraudulent and due to identity theft ). The collection account was opened back XXXX and the debt had been delinquent since XX/XX/2022 ( via XXXX dispute report ). I immediately had to look up a number for Sunrise because one had not been provided. Only my severely lowered credit score alerted me there was an issue. I called Sunrise Credit and they mentioned the account originated from the address XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX, a location I have never lived. They admitted it sounded like it could be fraud. I thought, bingo, and that they would do a proper investigation and get this off of my credit. Instead, the XXXX rep, who wouldn't give his name, wanted my credit card information in order to charge me {$1.00} to do an investigation. 
I pulled back saying that didn't sound right, he became slightly irritated and threatened me saying they couldn't help me otherwise. This was the only time I spoke with them. I have been disputing the collection via the credit bureaus since, filing police report and also with the FTC Identity Theft division.

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 2023-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I sent an insurance claim check to Freedom Mortgage to be endorsed and returned. I have USPS confirmation that they received the check on XX/XX/2023. My check for roughly {$17000.00} has been in limbo with the company ever since. I have called multiple times and each time, they have " sent an email to management. '' I have already paid for some of the repair services, but the mortgage company will not endorse and return my check, as their policy states. We are up-to-date on our loan payments and have never been late. At this point, this is a highly dishonest business practice.

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 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I have been charged multiple time with a XXXX XXXX fee for an overdraft charge. Say 2 charges were made which lead to my account being negative they have charged me twice. Which I can send my bank statements to prove and as well as them charging me every month for a maintenance fee which I wasnt charged until I was affected by a tornado at my job so I wasnt able to work which lead to me not being able to deposit much into my account but at least XXXX dollars was getting deposited into my account every week

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I canceled an annual subscription to the XXXX XXXX app before its renewal date but was still charged by the company on my credit card. When I disputed this transaction, my credit card company denied my dispute.

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 2023-08-30 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: IL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
i have to collections reporting to my credit report for a service I never recieved at a residence I have never lived at I provided proof of residency and identification ask requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to express my deep concern and frustration regarding the lack of response to my dispute letter dated XX/XX/2023. I am disappointed that Capital One Auto Finance has not adhered to the Fair Credit Reporting Act ( FCRA ) by failing to provide investigation results within the stipulated timeframe. This disregard for my dispute rights is alarming and has compelled me to file this formal complaint. 

In my dispute letter, I raised legitimate concerns regarding the accuracy and completeness of the account information being reported on my credit report. I outlined the discrepancies that I observed in the reporting of the account and brought to your attention that the reporting of the account as " charge off '' does not align with the absence of prior delinquency reporting, which is a clear violation of reporting guidelines. 

I expressed my confusion over the account 's reporting status, as it does not indicate any past-due history leading up to the charge off reporting date. This omission is a violation of accurate and complete reporting practices under the FCRA. Additionally, I pointed out that Capital One Auto Finance failed to provide detailed and verified information about me, further undermining the validity of the reported account. 

My intent in disputing the accuracy of this account was to ensure that my credit report accurately reflects my financial history and that any inaccuracies are promptly corrected. However, to my dismay, I have not received any communication or investigation results from Capital One Auto Finance regarding my dispute. 

This lack of response not only disregards my rights as a consumer but also undermines the integrity of the credit reporting process. According to the FCRA, credit reporting agencies and data furnishers are obligated to conduct timely and thorough investigations in response to consumer disputes. Failure to do so results in a breach of the FCRA and causes significant distress to consumers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Accounts Service Team Inc.
State: TX

Complaint narrative:
Proof of amount owed and check numbers. I do not use checks, and they are saying I used checks to pay for food at XXXX XXXX XXXX XXXX. I went to XXXX with the letters and they said they don't even accept checks, and it looked fake. 

The company trying to collect this fake debt is Financial Accounts Service Team at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX They called ALL the time a year ago, I went to XXXXXXXX XXXX  and they verified that the check numbers are not valid. XXXX once again said they don't even accept checks. FAST stopped contacting me until again today. This company is not accredited and is completely fraudulent.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023 The Credit Bureaus stated XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 


I haven't given these accounts written permission to furnish these accounts on my credit report as well

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 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On Monday XX/XX/2023 I deposited {$1000.00} on my Michigan first card using an pnc atm machine and it toke my money and was never credited to my account around XXXX pm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a new credit card with Citibank in late XX/XX/XXXX with the sole intent of utilizing their promo rate of 0 % for 21 months on balance transfers. This money was going to be used to payoff my home equity loan. I initiated the balance transfer on XX/XX/XXXX and it was done online. All that was requested was amount, name of creditor, account # and address of creditor. No routing # was requested. I got an email the following day on XX/XX/XXXX the transfer was complete. I watched my bank account for it to show up the following days and weeks that followed. After a week or so I reached out to Citibank and asked that they lookup the transfer because I didn't have it. They said it can take up to 10 business days. After that I continued to reach out to them multiple times to no avail. Finally I reached out to their executive team in hopes of getting a resolution to this matter because now I have a due date for minimum payment they are wanting. They assigned my case to an analyst and after some discussion with them they were going to research the transfer and came back with the trace ID. My bank can not find anything related to that trace ID or my balance transfer and Citibank is saying their is nothing they can do, the transfer went through and they can not rescind it back. My thoughts are they sent it to the wrong bank ( there are probably hundreds of American National Banks in the US ). I will not and should not be help responsible for something I never received and that went elsewhere. My bank has spent countless hours researching this issue and can not locate anything related to it. Please intervene and help as this is a huge XXXX XXXX company so big they are just trying to run over the little guy and act like their is nothing they can do. Seems to me they could figure out where they sent the money and reach out to that same bank and see what happened.

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 2023-08-30 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: FL

Complaint narrative:
Re : This serves as my official notification to you, or any company ( ies ), concerned that I here now have confliction with the reportability of your claim ( s ) until it's determinative that privilege to report was executed adequately and in a settled and firmly established certifiable compliant manner, even to the mandates in accordance with the XXXX required XXXX described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I made a payment on my credit card, but I accidentally selected the wrong checking account and the payment NSF 'd. I immediately made the payment using the correct checking account and called AMEX to ask them to stop attempting to debt the incorrect payment information ; however they refuse to stop attempting. So far AMEX has attempted 4 times to collect a payment that I already satisfied and refuse to stop. Amex customer service said they can continue to attempt to collect the payment until it is received because I consented to such. Well that may be true but it is completely unfair. each time they attempt I incur a fee, but AMEX wants to inflect pain for my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: IL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-30 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
No company should be reporting anything on my credit profile without my consent to do so. Everything that's being reported is against my approval and has effected me tremendously while doing so and I need to be compensated for it. For every inquiry on my account that has been placed on my account due to FRAUD because I never gave anyone my consent to public expose my private information without just compensation. However A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. and my while credit account is the evidence of the fraud by each credit reporting agencies that will be held accountable for these adverse claims against humanity.

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 2023-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
The Argon agency is inaccurate and also is not valid according to the fair credit reporting act. From what I understand this is a medical debt, which is not a valid debt according to the FCRA ( Fair Credit Reporting Act ). There are several inconsistencies and inaccuracies with the open/closed account dates. The open/closed account dates are all different which is inconsistent and in accurate. I ask this to be removed from all three credit bureaus immediately.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
upon typing the words ONE MAIN FINANCIAL over 15 companies ' names appeared. Many stated no inquiry to credit report would be made, but required name, address, phone, email., income sources. 

I found the inquiry misleading, erroneous, not clear, confusing, and downright awful when merely looking at the information. ONE MAIN required all of my info, which I reluctantly but did provide, and they in turn reported same to my credit report with a hard hit! I called OMF asked for this to be removed, explained I was just looking at their business out of curiosity, and they said this would remain on my credit report for 2 YEARS! Not once was I aware of this, nor would I have provided the information if they had disclosed same. 

In addition, many other companies in the onlines inquiry that popped up, ran same information The OMF site was misleading, confusing, difficult to understand, roped me in and then slammed me with a hard hit on my credit report. I plead ignorance because I'm not privvy to their online practices, I'm a retired senior citizen learning not only on line stuff, but the difficulty in understanding what to click, not to click, what to do, and because of this I am now being penalized for their liberties in collecting information from me and now the conclusion is my credit report is affected. My credit score is always above 700 and now i have a black mark on my report. I do not recommend anyone do business with nor inquire on line with this lender. 
I DO NOT NEED A LOAN. I do not need the money. All of my bills are paid on time. 

While navigating through their site many others popped up, confusing me as to who they were, how they got my info and now I don't know how to resolve this. In addition, all of the data I provided and emails I am unable to locate from them ... seems suspicisous to me in many ways here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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