vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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: DISCOVER BANK
State: CA

Complaint narrative:
I do not have records in front of me. They are contained in emails sent by Discover. I used this card quite a bit at first, and decided to create an online account so I could see why my balance increased suddenly by a few XXXX dollars. I found XXXX fraudulent charges-1 with XXXX XXXX Glasses, and another charge for a optometrist that did not happen. I watched my account change before my eyes... However my balance was still extraordinarily high. 
I closed the account and Discover said they did not see this at all. 
I changed my payment to auto-pay for {$100.00} a month until I saw my balance was in the {$400.00} range. 
I decided to drop my payment to {$50.00} per month, and saw that last month, instead of reducing my balance, instead it increased to the {$500.00} range. 
Before finding this out, I tried to re-open my account since I now have a new raise and a job with the city. 
Discover rejected my application and added extra interest... to me, it seemed like a COERCIVE ATTEMPT TO PERSUADE ME TO PAY THE CARD OFF AT ONCE ... INTIMIDATION. 
I have had persistent problems with Account Execs who do not have the skillset vocabulary to know the difference between earning interest vs. being charged interest. I could not get them to give me the actual amounts either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I suspect fraudulent inquiries on my credit report. Below are the inquiries listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Sent letter to validate my debt to AARGON Agency on XX/XX/2022 they have not provided anything and ignoring me.

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 2022-11-29 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I just recently looked at my credit profile and discovered that " XXXX XXXX XXXX '' is reporting a debt that does not belong to me. This is a medical debt, so not only have they not verified that it belongs to me but they also have not provided me my XXXX authorization stating they have permission to have my medical information in the first place. I have sent dispute letters to " XXXX XXXX XXXX '' and have not received a response.

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 2022-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance both the XXXX credit reporting at the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 US C 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 section 602A. states : I have the right to privacy 15 USC 1681 section 604A. states : a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 section C ( a ) ( 5 ) states : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the records of conviction of crimes with antedates the report by more than XXXX years 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable calls 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 2022-11-29 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: TX

Complaint narrative:
In accordance both the four credit reporting at the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 US C 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 section 602A. states : I have the right to privacy 15 USC 1681 section 604A. states : a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 section C ( a ) ( 5 ) states : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the records of conviction of crimes with antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable calls 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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to inform you again I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; 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

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 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: GA

Complaint narrative:
police report and fraud report submitted to company.

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 2022-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Lender : Pentagon Federal Credit Union The bank repossessed our XXXX XXXX XXXX. Even after the bank found evidence that our car had a repayment contract and the information was filed incorrectly, the memo was sent to management within the bank and the repossession department, the supervisor stated that we have to repay {$1500.00} to get our car. The bank/lender failed to file our paperwork in the accounts correctly. We made a payment towards the repayment contract on XX/XX/XXXX. My husband calls the bank every month to pay and update the records and we were not notified of any potential for repossession. We were told everything was good and set for our cars after using the repayment contract called a BUMP program at Pen Fed. I have proof of emails sent and the contract we entered with the lien holder, and was notified that it was not supposed to be up for repossession. 
Please help. 

Sincerely, XXXX and 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 non-monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Initially spoke to Citi on XX/XX/XXXX regarding non-fulfillment of the promotional bonus offered for opening a checking account, enrolling in the bonus offer and depositing and maintaining a balance of {$10000.00} for 60 days. 

I made sure the offer had been applied, and as you can see by the chat log attached and what the customer service rep confirmed, that all parts of the offer were fulfilled on my end as indicated below : Account was opened in XX/XX/XXXX with initial deposit of {$10000.00}. 
Minimum balance of XXXX USD was kept for 60 days until XX/XX/XXXX. 
Cash bonus was not deposited within 30 days as assured by the promotional offer. 

I have attached a conversation with the first customer service rep on XX/XX/XXXX. 
I contacted them through the phone various times on XX/XX/XXXX, then again the week of XX/XX/XXXX, and they " escalated '' the issue to the promotional team who said this would be resolved in the next XXXX business days. It never did and I did not receive a response. Today is XX/XX/XXXX which is roughly XXXX business days after. 

I have attached a copy of the promotional offer 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 monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ADP Inc.
State: TX

Complaint narrative:
A debt collector by the name of XXXX XXXX XXXX submitted a Garnishment Order in the state of XXXX to my place of employment using the company ADP Inc . I am a consumer in the state of XXXX My wages are earned in the state of XXXX ADP has sent a email stating the garnishment order is valid from the state of XXXX.

The state of XXXX also does not have any jurisdiction in the state of XXXX.

Pursuant the XXXX  Constitution Article 16. Section 28. GARNISHMENT OF WAGES. No current wages for personal service shall ever be subject to garnishment, except for the enforcement of court-ordered child support payments or spousal maintenance.

I have contacted ADP at XXXX and was advised that the garnishment is valid. ADP advised that they will not stop the garnishment. ADP advised that only the attorney from the XXXX  court order can stop the garnishment.

This is a violation of my consumer rights and XXXX state laws.

I did not give ADP ANY permission to collect ANY debt from my wages. 

An FTC Complaint has been submitted as well as a XXXX Attorney general complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
In XXXXXXXX XXXX XXXX, I ordered two XXXX XXXX phones and two lines of service. XXXX XXXX shipped the phones to the wrong address, so I cancelled the order and decided not to get service with XXXX XXXX. XXXX then charged me for a bill that I never owed and sent it to collections when I refused to pay something I don't owe. XXXX XXXX does not have a previous account number for me or any information about because I never had wireless service with them, but they charged me for it anyway. Now, I have a negative mark on my credit report saying that I had owed {$100.00} to XXXX XXXXXXXX XXXX XXXXXXXX as of XX/XX/2022, and the account was closed as of XX/XX/2022. I have repeatedly called XXXX XXXX and the debt collector to fix this issue, and both are refusing. They tell me that I need to call the other company no matter who I call. This illegally charged debt has negatively effected my credit score and I need help getting this corrected as soon as possible, because neither XXXX XXXX nor the debt collector will do anything to fix this. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to inform you again I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to inform you again I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I purchased a home with a solar loan in XXXX XXXX. There was an exciting solar loan with XXXX, which became Goodleap ; that I applied to transfer over to my name. Goodleap and the escrow company did not due diligence on the paperwork and did not record the transfer of sale until XX/XX/XXXX. I received an email regarding the transfer and when we could start making payments. I set up a payment plan with the company Goodleap starting XXXX XXXX. At that time I was given an account number and the payment schedule. I have made payments on time since without any late payments. Recently, I discovered that I had been reported to the credit bureaus as having late payments since XX/XX/XXXX including XX/XX/XXXX and XX/XX/XXXX. I have made reports with the credit bureaus. In additon, I tried to correct the issue with Goodleap which has not responded to any of my attempt at solving this issue to correct the credit reporting on my behalf. 

Since the purchase of the home, I have made numerous attempts to pay Goodleap. Goodleap representatives kept telling me I had no account or loan with their company. I went as far as contacting the seller of the property to get information about who to contact to pay the solar company, to no avail. 

Ever since the payment plan had been agreed to with Goodleap, they began harassing us through text messages and calls stating that we are delinquent in our payments. I sent an email and spoke to several representatives regarding the harassment and asked them to stop as I had been current on my loan. The texts and calls and harassment continued. After emailing the representative regarding the harassment she told me that the payment plan we agreed to was not being honored. I was never contacted or informed that the company Goodleap was not honoring the payment plan agreed to. I have been informed that this practice is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and deleted for erroneous reporting in my file are listed on my credit report : 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

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 2022-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
On XX/XX/2022, the medical debt vulture company, XXXX XXXX XXXX XXXX XXXX XXXX, sent debt they purchased from XXXX XXXX XXXX XXXX to Shermeta Law Group. On XX/XX/2022, Shermeta sent me a letter saying they were servicing the debt now. They call this their demand letter. There was no demand for payment, no option for a payment plan, nothing. Just a letter from a law group with a law group letterhead saying they service my debt now. This was intended to intimidate me. I sent back a letter to them disputing and asking for validation on XX/XX/2022. Shermeta sent validation showing XXXX XXXX of purchased medical debt leading to Shermeta Law Group between XX/XX/2022 and XX/XX/2022. But, by XX/XX/2022, Shermeta Law Group had drawn up both validation and legal papers to sue me, filing the legal complaint XXXX days after the dispute was received, with a summons ultimately issued on XX/XX/2022 in the XXXX XXXX in XXXX XXXX MI. Service was attempted the week of XX/XX/2022, but I was out of town. I called Shermeta and spoke with XXXX on XX/XX/2022 who told me that I 'can ' respond to the summons after I am served, misrepresenting the fact that no answer virtually always means a judgment in their favor. I set up a payment arrangement that day, XX/XX/2022. They told me there was 'nothing ' they 'could do ' about dismissing the lawsuit because XXXX XXXX with the courts now. ' This is another lie. On XX/XX/2022, I paid in full and called the next week to ask whether this could get Shermeta to serve me dismissal papers. They said the lawsuit was 'canceled ' and nothing else would happen with the lawsuit because I paid in full. This is yet another lie because I was served today, XX/XX/2022, over this fully paid debt. I believe they broke the law with the timeframe between my dispute and their lawsuit. I think they attempted to deceive me into not answering the court case. I think they lied by telling me they can't do anything to dismiss the case. I think they lied and will continue to try to collect on this debt to double, maybe even triple collect. If they're trying this with me, they've done it to others. Last, I think they are nothing but a law firm that uses incredibly deceptive and aggressive methods to collect for clients. They took my down payment for my first house for my children and gave it to corporate investors. I know it was my debt -- it was for the birth of my child -- but there was no offer for partial payment or even a payment plan before they filed legal paperwork. They should not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Bought a XXXX tree from XXXXXXXX XXXX using my Capital One Credit card. XXXX charged my account $ XXXX twice. I called XXXX and they did not have anyone to fix the problem. I called Capital One after spending XXXX minutes trying to get to someone to speak with they transferred me to XXXX others who simply verified my identity and said there was nothing they can do about it. I was over charged $ XXXX and capital one refused to take the charge off my card. I ask for a supervisor they put me on hold for XXXX mor minutes and then hung up. 

XXXX XXXX XXXX XXXX phone

Company response to consumer: Closed with explanation