vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XXXX XXXX a letter was sent to me from Capital One, stating that they needed to verify security information on my account and instructed me to call their fraud department. 
I called them when I received the letter and they advised that there had been fraudulent activity on my card and requested that I send them proof of my identity. I explained that I had just had XXXX and was incapacitated and it would take me a few days to arrange this. A few days later, I mailed them a clear copy of my license as instructed. I later received a letter informing me that they had closed my account. I called them to inquire why they closed it and they said they couldn't clearly read the picture of my license. I asked how I could collect the 400+ points that I had on my account and they said they could not obtain that information because the account was now closed and they couldn't 'see the history ''. I told them that I had the statement which validated my points but they would not accept this proof. I sat on the phone with them for four hours attempting to resolve this, eventually escalating this to the Manager of the Fraud Dept., to no avail. I was told there was nothing they could do and my points have been forfeited with no recourse. This remains unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01 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: FL

Complaint narrative:
Im accordance for federal credit report act this creditor has violated my rights under 15.usc1681 on Section602 states I have the right to privacy 15usc1681 Section604 Section2 it also says consumer report agency can not furnish an account without my instructions 15.usc1666b a creditor can not treat a payment of credit card account under an open and consumer as late of any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I first disputed this XXXX XXXX XX/XX/XXXX, I thought is fraud and wasnt aware I owed this debt. I disputed and received validity of the debt. Ive been speaking with XXXX  and settled debt as of yesterday XX/XX/XXXX. I disputed the debt with Experian XX/XX/XXXX and sent them my settled in full letter that XXXX  sent me, they emailed me a few hours saying the debt isnt being removed. Please help me get this removed, I wasnt aware I owed this debt and when I was made aware I paid it. I feel Experian didnt even take the time out to review my dispute properly or even looked at my supporting documents, I opened the dispute at XXXX est and it was closed at XXXX est

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 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Grain Technology, Inc.
State: TN

Complaint narrative:
I have sent requests in writing repeatedly for this company to remove the automatic payments. They send me an auto message that says they will get back to me within two business days. 
I never get a response. 
I have worked with my back and issued a stop payment. The company just changed the amount and sends it back. 
I get repeated emails saying my bank account is no longer associated then I get another right behind it saying its successfully added and they charge me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I sent an Affidavit of Truth/Affidavit of Response for cease and desist, with conditional terms. Correspondence was to be by phone and after the conversation a letter was to be sent to me about what we discussed, written information to be mailed about the outcome from the Affidavit. I mailed the certified letter XXXX to USAA Federal Savings Bank. This information is concerning consumer loan XXXX account. I notified USAA, no adverse action is to be taken while this dispute is being settled. USAA deceived me at the time of the transaction was made and the account was opened. There are laws to protect consumers, which USAA is not following. 12 CFR 1026 ( 1 ) General disclosure requirements. Also 15 USC 6802 ( b ) ( B ) I have to be givent he opportunity to OPT Out. I was not given this disclosure any disclosures to OPt Out. After knowing that USAA is not honoring the laws, codes, and regulations I want them to be held accountable. In the Affidavit, I requested the documentary evidence, books of account, 15 USC 44. USAA sent me a debt validation letter, knowing that is not what I asked for. I have a right to get this information and I am acting in good faith trying to clear this matter. The affidavit included a Billing Error Dispute. I mailed the coupon from the statement from USAA, which is a negotiable instrument UCC 3-104. That was for XX/XX/2022 payment I wrote on the coupon Pay to the order of without recourse, and signed the back of the coupon. UCC 3-603 Tender of payment can be used to satisy a debt. Also UCC 3-306 Claims to an instrument. UCC 3-301 Person Entitled to Enforce Instrument. USAA is ignoring these laws, codes and regulations. These are laws put in place to protect a consumer. I received a letter from XXXX XXXX ( Manager, Bank Advocacy ) USAA Federal Savings Bank. In her letter she states XXXX finalized the loan and the paperwork was sent to me. The manager, states as of XX/XX/2022 XXXX XXXX XXXX began making outbound calls to inform me of the past-due amount. Why would that department be calling on the due date XX/XX/2022 when the payment is not considered late until after XXXX? The dates are listed on the coupon each month. I can say XXXX  did not call me and no message was left on my phone. Why are they not telling the truth? I did not request a VOD as XXXX stated I requested documentary evidence, books of account. XXXX stated my coupon was not an acceptable form of payment. She also states they did not violate any code, laws, or regulations regarding the account. XXXX XXXX XXXX verified XXXX  verified that collection attempts made by XXXX  were appropriate. I want to see how they verified this. 

At the present I have mailed the Coupon for XX/XX/2022. 

I am uploading a copy of Affidavit and the letter from XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AND XXXX HAS VIOLATED MY RIGHTS. 

* 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

* 15 USC 1681 SECTION 604 A S
ECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 


ALSO I HAVE POINTED OUT TO THE CREDIT BUREAUS THAT THERE WERE INACCURACIES IN THE REPORTINGS. DIFFERENT OPENING DATES, ACCOUNT SHOWING ON JUST ONE BUREAU AND NOT THE OTHERS, DIFF OPENING DATES, DIFFERENT DATE OF LAST PAYMENTS. ALSO I HAVE GAVE THE CREDIT BUREAUS SINCE XX/XX/2022 UP UNTIL NOW TO CORRECT THE INCORRECT REPORTING ALONG WITH THE HIPPA VIOLATION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have submitted multiple disputes with Transunion and was provided with the exact same response each time. This debt from XXXX XXXX is fraudulent as well as out of the statute of limitations in the state of South Carolina for collection, this needs to be removed. I have provided evidence to Transunion on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2022

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 2022-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Someone used my stolen government ID to get an apartment on which they have an eviction, got medical bills in my name, utility accounts, and bank accounts. I've contacted several companies and most of their advice was to file an identity theft report first. I contacted the debt collection agencies, and they weren't able to help me. Literally every single account open and in collections from XXXX  was not me. I attached my credit report that has all of the information for more help and detail. I have filed a police report for the identity theft and have attached that as well. 

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 explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
This happened in 2021 and I had {$50.00} in my account, I went to withdraw it, I was able to withdraw the money but next day I go and look at my account and it has the overdraft fee, and every other day after that they kept adding another overdraft fee everytime until my account had a negative balance of $ XXXX and some dollars, can't remember exactly the amount it was but I ended up closing the account. They are still harassing me to pay it off when it was their fault.

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 2022-10-01 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:
This money lion account XXXX please provide sign documents with my signature on this account or delete this account from my report.

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 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XX/XX/XXXX. XXXX XXXX date of birth XX/XX/XXXX social ends XXXX XXXXMy complain.i always pay money I use on my credit card on time, I make sure every week I pay money have used. yesterday XX/XX/XXXX at XXXX the credit bruel put me in collections/charges and drop my score points, and update was saying XX/XX/XXXX when we are still in XX/XX/XXXX At XXXX I need some explanation they tell me why. I tried took to customer care they said they don't not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: VA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account numbers XXXX and XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states i have the right to privacy.

15 u.s.c 1681 section 604 A section XXXX. states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: SC

Complaint narrative:
I have submitted multiple disputes with XXXX and was provided with the exact same response each time. This debt from Jefferson Capital is fraudulent as well as out of the statute of limitations in the state of South Carolina for collection, this needs to be removed. I have provided evidence to XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
VENMO has not provided the services advertised regarding cash app money transfers. Everyday I call VENMO to question why my transaction has not posted according to their disclosed time frame of instant transfer and up to three days for standard transfer. It appears they have issues regarding what is considered normal customary transactions vs questionable transactions??? The problem now is they have again blocked my account from allowing instant transfers. I tried to do an instant transfer to my bank, as I have done many times over the past year, and discovered instant transfers were disabled. It was their recommendation to test a standard transfer and once complete, it was possible instant transfers might start working again. The standard transfer was successful and only took one day for the transaction to be completed. Knowing I had to get the remaining money from my VENMO account transferred to my checking account to cover an upcoming mortgage payment, I submitted a standard transfer which was disclosed to occur within three days. A week later the funds did not transfer. They are being withheld by VENMO for no reason, especially having same type transfers occur in the past, for much larger amounts. All VENMO can say is " we are sorry for the inconvenience ''. This issue caused my mortgage payment to be returned because funds initiated for transfer over a eek ago did not process because VENMO blocked the transaction. I have called them everyday and still nothing they can say or do to tell my why they did not transfer the funds??? This has caused an extreme financial hardship because I have been charged a late fee for my mortgage payment and a 30 day late payment reported to the credit bureau. If VENMO would have completed the transfer as disclosed, I would not be having this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account numbers XXXX and XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states i have the right to privacy.

15 u.s.c 1681 section 604 A section XXXX. states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: VA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account numbers XXXX and XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states i have the right to privacy.

15 u.s.c 1681 section 604 A section XXXX. states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: AZ

Complaint narrative:
Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX. 

I have made several attempts to resolve this issue with the collections agency choice recovery. I disputed this debt on XX/XX/22 through all of the credit reporting agencies and the response from XXXX was that the debt what accurate each time. 

I am a victim of identity theft and this collections is not mine. This has been reported to the FTC under report number XXXX. A police under report number XXXX XXXX XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted all three Credit bureaus to report inaccurate information on my credit report - I have submitted a dispute on these inaccuracies multiple times and their investigation isn't valid. Every time the account comes back verified - I sent them the results from my previous complaint on file with CFPB -with regional acceptance -complaint # XXXX. In that complaint XXXX XXXX states : " XXXX neglected, however, to mail the deficiency letter until XX/XX/2022. Throughout this entire process, XXXX attempted to collect the deficiency balance. Then, on XX/XX/2022, XXXX charged off the balance to a third party collection agency which prompted your inquiry. XXXX regrets your recent calls were unsuccessful in providing the necessary research. '' I sent a copy of the results to all credit bureaus but they are refusing to delete the status as in repossession or paid repossession - the vehicle was totaled- paid by gap and car insurance and then XXXX XXXX failed to bill me for the balance for an entire year - added the car as a repossession and charge off on my credit report. The Charge off has been deleted but it still states repossession / delinquent - this is inaccurate and now stopping me from purchasing a home and a new vehicle for my family.

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 2022-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC
State: LA

Complaint narrative:
XXXX Acct # XXXX I have no knowledge of this debt, dates or services rendered. I looked at my credit report and I noticed this agency on my report. I have written two verification letters ( receipt of notice ) attached. Company ignored my request and continued to report this alleged debt on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted all three Credit bureaus to report inaccurate information on my credit report - I have submitted a dispute on these inaccuracies multiple times and their investigation isn't valid. Every time the account comes back verified - I sent them the results from my previous complaint on file with CFPB -with XXXX XXXX  -complaint # XXXX. In that complaint XXXX XXXX states : " XXXX neglected, however, to mail the deficiency letter until XX/XX/2022. Throughout this entire process, XXXX attempted to collect the deficiency balance. Then, on XX/XX/2022, XXXX charged off the balance to a third party collection agency which prompted your inquiry. XXXX regrets your recent calls were unsuccessful in providing the necessary research. '' I sent a copy of the results to all credit bureaus but they are refusing to delete the status as in repossession or paid repossession - the vehicle was totaled- paid by gap and car insurance and then XXXX XXXX failed to bill me for the balance for an entire year - added the car as a repossession and charge off on my credit report. The Charge off has been deleted but it still states repossession / delinquent - this is inaccurate and now stopping me from purchasing a home and a new vehicle for my family.

Company response to consumer: Closed with explanation