vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX initiated contact with me attempting to collect a debt from phone number XXXX on XX/XX/XXXX. During the interaction I informed them that I was willing to settle the debt with them but to please call me back on XX/XX/XXXX when I get paid in order to discuss the terms of the agreement. The representative agreed and notated my account stating that I would not like to be contacted until XX/XX/XXXX. On XX/XX/XXXX, they contacted me again, to which I once again informed the rep that I would not like to be contacted until XX/XX/XXXX and that I would be happy to discuss settling the debt. From XX/XX/XXXX to XX/XX/XXXX they contacted me at least 4 more times and they began calling me 3 times a day. On XX/XX/XXXX, I escalated to a supervisor who was combative and rude who stated that they were unable to remove my number from their auto dialer system. After I informed her once again that I would be willing to settle the debt when I got paid on XX/XX/XXXX, she insisted on trying to get a payment from me so that they could post date it. When I refused to authorize any payment until XX/XX/XXXX she became rude and combative again and I requested to speak with her Manager. She claimed that the manager was busy and would not take the call and insisted once again that she collect a post dated payment from me. When I asked once again to not be contacted until the XXXXXXXX XXXX XXXXXXXX she became combative again and stated that they would not be able to pause collection calls until the XXXX XXXX XXXXXXXX and that she was going to report my account back to the client as an unable to settle. When I informed her that this was a false report, she became combative again which led me to refuse any further contact without first reporting this to the CFPB and obtaining a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I have an Apple credit card. Apple uses Goldman sachs as a bank. I opened another credit card with XXXX  to do a 0 % interest balance transfer from my Apple card to XXXX. 

I submitted the balance transfer and in about 3 business days the {$3000.00} showed up on my account in XXXX  credit card, but my Apple card balance remained the same. I waited an additional 7 business days and the {$3000.00} that i transferred was still showing up on my Apple card and now on my XXXX card. Now it is showing that I am carrying an additional {$3000.00} + the {$150.00} fee i was charged by XXXX  to make the transfer. 

I called the apple credit card support line and talked to a goldman sachs representative and he told me that at this time Goldman sachs doesn't support balance transfers. But how was the balance transfer able to show up on my new credit card. Goldman sachs should have declined that Balance transfer in their system if they do not support balance transfers. It is criminal to put this burden onto the consumer where it now looks like i've taken an addition {$3000.00} in high interest credit card debt, which impacts my credit score and ability to make future financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: IL

Complaint narrative:
that you are attempting to collect in accordance with 15 USC 1692b. I am referring to account XXXX XXXX XXXX. With a past due balance of {$650.00}. Please provide me with the following information : 1. The name and address of the original creditor 2. The original account number 3. The amount of the debt 4. Proof that you are authorized to collect this debt I also request that you cease all communication with me regarding this debt until you have provided me with the above information. Under the Fair Debt Collection Practices Act, you are required to provide me with this information within five days of receiving this letter.

Please note that I dispute the validity of this debt and I am requesting that you provide me with proof of the debt in question.

I am requesting that you investigate the disputed item and remove or correct any inaccurate information. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Credit Control, LLC
State: TX

Complaint narrative:
XX/XX/2023 a contact letter referencing a non existent debt which attempted to to collect on a false statement and claim. This is an illegal practice. This action and ACCUSTION IS IN FACT A DISPUTE!!! This action upset my permanent XXXX as well as triggered bad memories of identity theft of my credit in real time, emotional anguish as well as emotional terror under Color of law. Financial terrorism disguised as false debt is something no one should tolerate at all. CONTROL CREDIT IS RESPONSIBLE FOR THESE ILLEGAL ACTIONS. I AM GOING TO INFORM THE FEDERAL TRADE COMMISSION OF THEIR ILLEGAL ACTIONS, SALE OF ILLEGALLY BOUGHT DEBT AS WELL WELL AS TRANSGRESS IONS AGAINST FCRA FDCPA AS THE BBB FOR THEIR FALSE STATEMENTS AND ATTEMPT TO RUIN MY PEACE.

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 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
VANCE AND HUFFMAN LLC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NY

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A payment was made to the account from an external bank account. The payment was rejected due to a name mismatch. However, the credit card company improperly noted that the payment was rejected due to insufficient funds. An email communication was improperly sent out in regards to this matter suggesting the payment was returned due to insufficient funds when we already spoke with a telephone representative and was advised the payment was rejected due to a name mismatch. The email communication and the account should reflect the proper reasoning for the payment being rejected. A proper email communication should be sent out with this correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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:
Metro 2 Compliance Standards. This is my third attempt to solve this matter the 4 Main credit bureaus work for me and I want the two late payments reversed to ok, due to willful non-compliance you must meet compliance standards. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, I NEVER WAS EXPLAINED IN EASY TO UNDERSTAND TERMS ON MY RIGHTS AND THE PROPER DISCLOSURES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
I am writing to urgently request that you remove an account from my credit report. This account is causing me significant anxiety and stress, and it is affecting my ability to sleep. I have previously provided all the necessary documents to support my request for removal, and I implore you to take immediate action to remove this account from my credit report. I would greatly appreciate your urgent attention to this matter

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 2023-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX co sent email stating that they were charging my credit card {$290.00}. for service. I called to tell them I didn't want it. Immediately after XXXX resolved this, a man ( XXXX XXXX XXXX said he was from XXXX XXXX XXXX XXXX XXXX XXXXand that he saw that my account had be hacked as well as XXXX ( my bank at the time ) and that he was hired to protect my money from hackers. He told me to wire my savings ( {$50000.00}. ) to an a 'Wallet '' where it would be safe while I changed banks. This company was Gemini Trust who has an account with XXXX bank. I did and I could actually move {$50.00} into my XXXX account. Then few days after, my account was 'frozen ' which it still is. Gemini has no phone number just messaging. Numerous times I messaged Gemini to ask about this and they replied that they were looking into it. Finally they stopped replying. 
XX/XX/2023 I went to XXXX and asked for wire to be reversed. They did an investigation and two months later said that XXXX wouldn't return money. 
In the meantime, I had filed complaints with XXXX XXXX XXXX, FBI, Attorney General XXXX XXXX, FTC and got advice from Legal Aid for Seniors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: MO

Complaint narrative:
On XXXX I sent a letter to the credit bureaus, my U.S. POSTAL SERVICE CERTIFIED MAIL RECIEPT tracking numbers are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in regards to remove personal information that is reporting incorrectly, and to make sure that all my credit reports match up. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. also according to 15 USC 6802. no Financial Institution can share my information with third party people. 

THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently disputed a negative erroneous and frivolous 30 day late on my credit file and have not received a response back.

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 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XXXX of XXXX I opened an account online with chase so I had a place to do direct deposit. They received my check ( amount of {$1500.00} that was issued on XX/XX/XXXX check number XXXX XXXX XXXX ) and then put it on hold. Well when the hold was released then they closed my account as soon as I tried to withdraw some money from it. Ive called multiple times asking for explanation and to get my money back. They keep saying they cant verify travelers insurance the one that issues my money checks. Ive talked to XXXX XXXX about it and they said the check has been cleared and have given me numbers for chase to call and verify. But chase is denying and saying no number can be verified through their system which does not make any since because for one the numbers all go to the XXXX XXXX  which is the correct place ( I verified for myself ) so how can they not verify it and another thing they already received the funds because the check was cleared, so obviously the check was good because they have the money already. But yet they will not release my account and give me my money back. Its been almost a year since theyve stolen my money and yes thats what they have done stold from me. 
I get a monthly check through XXXX XXXX because I fell and broke my hip back in XXXX of XXXX and XXXX XXXX XXXX, had to have a XXXX XXXX done. So I get {$1500.00} a month until I received the entire amount that they owe me. I never had issues cashing this check from them so I dont understand why Chase is not able to verify them. Its a world wide known insurance company, it shouldnt be so hard. I have tried every approach to get my money back but they keep saying the same thing and wont help me to get the money they owe me back.? It will be a yr in XXXX and Im not getting any interested from them keeping my money either. Its unfair and they have no right to keep my money from m. How can I fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
that you are attempting to collect in accordance with 15 USC 1692b. I am referring to account XXXX XXXX XXXX. With a past due balance of {$650.00}. Please provide me with the following information : 1. The name and address of the original creditor 2. The original account number 3. The amount of the debt 4. Proof that you are authorized to collect this debt I also request that you cease all communication with me regarding this debt until you have provided me with the above information. Under the Fair Debt Collection Practices Act, you are required to provide me with this information within five days of receiving this letter.

Please note that I dispute the validity of this debt and I am requesting that you provide me with proof of the debt in question.

I am requesting that you investigate the disputed item and remove or correct any inaccurate information. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
that you are attempting to collect in accordance with 15 USC 1692b. I am referring to account XXXX XXXX XXXX. With a past due balance of {$650.00}. Please provide me with the following information : 1. The name and address of the original creditor 2. The original account number 3. The amount of the debt 4. Proof that you are authorized to collect this debt I also request that you cease all communication with me regarding this debt until you have provided me with the above information. Under the Fair Debt Collection Practices Act, you are required to provide me with this information within five days of receiving this letter.

Please note that I dispute the validity of this debt and I am requesting that you provide me with proof of the debt in question.

I am requesting that you investigate the disputed item and remove or correct any inaccurate information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
Capitol one Savor card advertises 4 % cash back for Streaming Services and they even list XXXX Now as an example of " popular streaming services '' at this link XXXX XXXX XXXX XXXX XXXX XXXX Now was rebranded XXXX XXXX XXXX 2020. Capitol One refuses to give me a 4 % cash back on my XXXX XXXX subscription fee because its ( in their words ) " not XXXX Now ''. This seems like either false advertising or a intentional scam. After trying to resolve this with the company I got no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. Account opened XXXX XXXX, 2022 for {$670.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. Account opened XXXX XXXX, 2022 for {$670.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without 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 2023-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I was told by XXXX XXXX XXXX XXXX that I had to put a down payment of {$8000.00}. They claimed Ally Finical asked for that amount. XXXX XXXX XXXX XXXX is in Violation of 15 US code 1605. I'm requesting my downpayment of {$8000.00}. to be returned to me within 10 calendar days.

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 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
I made a deposit in the amount of {$18000.00}. on XX/XX/24. This deposit was from my insurance company XXXX XXXX. Northwest bank placed a hold on MY money for 7 days. I spoke to my insurance company the money has been taken out of their account and cleared. I had one person from the bank tell me I could have access to MY money on XXXX and another person told me I cant withdraw MY money until XXXX. I now am not sure how many more days I have to go with no money. My disclosure from Northwest states a 3-5 day hold unless you have been in the negative or account is not in good standing. My account is and has been in good standing. I fully believe Northwest bank is a XXXX bank and judged me by the XXXX of my skin and the car I was driving ( my sons old pickup truck because my car was totaled in an accident ) when they placed a 7 day hold on the check. I was told it is at the discretion of the bank how long the check is on hold. Northwest has the money from my insurance company and they should not get to hold it and make interest off of it for 7 days.

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