vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: VA

Complaint narrative:
Ive submitted multiple disputes to trueaccord ( account # XXXX ) to have my account deleted as a result of identity theft but I am still receiving emails as of XX/XX/2022 in attempt to collect a debt not owed. I have email confirmation from the original creditor, XXXX XXXX., that these charges were a result of identity theft. I also made a police report and have been in contact with an investigator. I would appreciate if my trueaccord account were to be closed immediately and the collection attempts were to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Ref. CapitalOne 360 XXXX XXXX Account # XXXX Upon receiving a promotion offered by CapitalOne Bank on opening a new savings account with new money and keeping it for 90 days, a bonus of {$450.00} would be added to your account. When I read that promotion online checking my balance on my credit card, I called CapitalOne to confirm what I read and the result was positive. CapitalOne received {$50000.00} on XX/XX/2022 and I expected to see that bonus on XX/XX/2022. 
Checking my account online, but found it's not included. By contacting CapitalOne several times to understand the situation, finally, I was informed the following verbatim " it is correct this bonus for {$450.00} on your account, it has to be there for 90 days, but it's CapitalOne Policy to be added to your account before XX/XX/2022. 

And this is my contention which clearly shows how misleading I have gotten into this racket of financial abuse controlling their customers ' money at their whim. 

Following up my several calls with CapitalOne to let 's know that prior to my engagement with their scheme there has never been any information supporting their claim. Please examine the uploaded copy of email received today XX/XX/2022 following many calls for inquiry with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Michael Andrews & Associates LLC
State: GA

Complaint narrative:
Michael Andrews & Associates LLC obtained my consumer credit report on XX/XX/2022 without my consent from XXXX with no lawful good reason. I do not do business with them and never attempted to. This violates my privacy rights and is of grave concern to me since I continue to be a victim of identity theft and XXXX has neglected to remove fraudulently and inaccurate reporting from my consumer report. I have also been denied for credit products recently due to these fraudulent items. I have called and sent a letter asking for this to be rectified and I have been ignored. 15 USC 1681 4 and 15 USC 1681 4 VIOLATIONS DO NOT TRY TO SAY THIS SI N'T ME AS A STALL TACTIC. I HAVE INCLUDED MY IDENTIFICATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX, a company I am a subscriber, represented with my current score of XXXX I could obtain a Discover Credit Card to consolidate my debt and obtain reduced payments with its issuanceXXXX XXXX XXXX  never disclosed that Discover Card would be using a Hard Review of my account, nor did Discover Card contact me to achieve my permission to do so. It short, they ran my Report, turned my request down and it showed up on my Credit Page as an Disapproval with the subsequent action of the other Two Credit Agencies lowering their scores on my credit. This all occurred without any change in my Financial Status as I have NOT missed any payments in over 275 months according to my record. I saw that the FTC was fining XXXX XXXX {$3.00} Million Dollars. I am requesting a Remuneration of a portion of those funds for my Personal Credit Damages. I would also like to suggest that the Discover Credit Card be Fined for NOT notifying and obtaining permission to run the credit of potential card users. Thanking you for your continued help and over watch on Companies who continue to take advantage of the unsuspecting. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I according with fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer credit reporting agency can not furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

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 2022-09-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Transunion : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 

My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction.

Thanking you in advance. 

Sincerely, 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 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
Ive submitted multiple disputes to XXXX  ( account # XXXX ) to have my account deleted as a result of identity theft but I am still receiving emails as of XX/XX/2022 in attempt to collect a debt not owed. I have email confirmation from the original creditor, affirm inc., that these charges were a result of identity theft. I also made a police report and have been in contact with an investigator. I would appreciate if my XXXX  account were to be closed immediately and the collection attempts were to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Had an inflated debt over {$1000.00} With XXXX XXXX and an agreement to pay monthly until the debt was resolved. In XXXX XXXX discarged the debt, wrote it off even though we had an agreement, no one notified me of the change, and i was still paying on the debt as agreed. Today I received notice of a collection on my credit report, looked it up and its a {$210.00} debt i knew nothing of. No letter, no phone call, and it dropped my beacon score XXXX pts. I had an agreement with XXXX, paid like i was supposed to, dont have an agreement with this company and XXXX XXXX its charged off. Horrible business practices by credit collection services. I told XXXX i had XXXX, going thru XXXX, and was on social security and they did this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2021 I was incarcerated I had XXXX on my debit cards and one of my debit cards were activated the other one wasn't activated but it had the money deposit on there and someone use my card they activated the card and everything without my permission spent all the money I tried to go through with them show them my bell paperwork I also them show them that I did 6 months in the county jail during the time that the money was being spent and that it was no way that I could spend it so I try to do a claim and they kept denying me kept deny me so I was wondering if there's anything that you guys can do to help me I got your stuff offline it came to my phone yes thank you may XXXX bless you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My lease end date was XX/XX/2022. 

In mid XX/XX/2022 my vehicle was involved in an accident. 

I was given instructions by my dealership to take the car to their certified repair shop, which I did on XX/XX/2022. 

I was instructed to extend my lease and continue making payments while the vehicle was being repaired. I have been continuing to make payments past my lease end date. 

I was informed by the dealership and the repair shop that parts to repair the vehicle are back ordered over one year.

Because of this, they are expecting me to continue paying for the vehicle even though it is not in my possession and my lease was over in XXXX. 

Chase has confirmed that they have " grounded '' the vehicle and that it has been out of my possession since XX/XX/2022. 

They have instructed me to stop making lease payments. 

The account, however, shows open and past due in my Chase account. 

Chase escalations told me today, on XX/XX/2022, that the account will remain open on my credit until the vehicle has been repaired and sold. 

This is clearly unacceptable. I have done everything I have been legally required to do according to my lease contract. 

I have faithfully paid all of my payments and the lease is over. The dealership 's repair shop has been paid all of the repair fees from my insurance company. 

This delay exists due to a lack of parts available to make the repairs. 

This should not be my concern and this account should be closed. 

I have spent over 20 hours on the phone the past three months dealing with this without any clarification on appropriate recourse.

I am being told different information every time I call : that my credit may or may not be impacted, that they closed the account and that the account can not be closed, that it's the dealer 's issue to deal with and then the dealer tells me it's the bank 's issue to deal with.

Please help me, I am being forced in circles and told that due to the complexity of the situation, I just have to wait and see if my credit will be negatively impacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
XXXX XXXX XXXX in XXXX, NV, has allowed my ex-husband and his girlfriend to use an account I opened in XXXX, and I have not used it since XXXX for services in XXXX to treat their pet ( XXXX ). My ex failed to pay the bill ; XXXX XXXX XXXX sent me to Allied Collections in XX/XX/XXXX & my credit was significantly affected. I never authorized any services, nor did I even think I had an active account with XXXX XXXX XXXX since I have not used their services in over a decade. I divorced my ex-husband in XXXX & even had to file XXXX in XXXX due to the divorce. I have worked diligently to regain my high credit score, and now this. I have contacted XXXX XXXX XXXX XXXX Allied Collections to dispute this, offered proof of my divorce & bankruptcy, etc. .. ( Please see attached ), and was told by Allied Collections that " it is not their problem, & to deal with my ex-husband and XXXX XXXX XXXX XXXX '' I have not had contact with my ex-husband in over XXXX ( XXXX ) years, and due to his violent history, I will not have contact with him. XXXX XXXX XXXX refuses to call me back after I have called over a dozen times requesting to speak with their accounts manager to discuss why they haven't updated their files in over a decade, allowed someone to use my name & info for unauthorized services, and refuses to contact Allied Collections to have the collection removed. XXXX XXXX XXXX committed fraud by not updating their records in over ten years, allowing my name and credit to be tarnished & they refuse even to discuss and fix it. The Allied Collections people refuse to speak with me and just demand I pay them off. This is extortion, fraud and I have tried disputing it with the credit bureaus proving I am right with my Divorce Decree dated in XXXX, a police report I filed against XXXX XXXX XXXX for fraud.. etc. XXXX said the collection agency just said it was a legit collection. All my supporting evidence & documentation doesn't mean XXXX because a collection agency that just wants money says it isn't. My credit was at almost XXXX before this, and I have not had one late payment on my credit, and still don't except for this fraudulent collection. Please help.

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 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
My business partner ( XXXX XXXX XXXX ) died XXXX XXXX, XXXX, in an automobile accident. XXXX XXXX was the only signer on our Wells Fargo business bank account for XXXX XXXX. We are trying to close down XXXX XXXX with the IRS, but there is approximately {$7000.00} in our Wells Fargo business bank account that Wells Fargo will not release. We provided Wells Fargo with all of the information we had access to about the death of XXXX XXXX XXXX. We seek help to get Wells Fargo to release the money they are holding for 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 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Check # XXXX dated XXXX in the amount of {$1400.00} was cashed and cleared my account on XXXX. Check was to XXXX XXXX XXXX XXXX in XXXX, WI. The check was stolen out of their mail box and cashed thru Wells Fargo Bank NA Minnesota # XXXX. two people signed the back of the and and forged my signature also on the back of the check. Bank First let the check clear my account. I signed an affidavit of Alteration or Other Fraudulent Act form on XXXX. Wells Fargo should have never cashed this check since it was no XXXX XXXX XXXX XXXX  signature on the back. Per Wells Fargo said it is in process. Bank First claim they check on it every week with Wells Fargo. It's been way to long and Wells Fargo or Bank First needs to reimburse my account.

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 2022-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have requested via certified mail for this company to send me a document bearing my signature showing this debt is mine. I have no knowledge of this debt as it does not belong to me. To date, I have only received threatening letters stating they will sue me. This is violating my rights and is illegal. Cease and desist all communication with me. Furthermore, delete these inaccuracies off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
On XX/XX/22 I was contacted by BC Services in regards to a Hospital Bill, the Rep offered that this will ruin/hurt my credit it I did not pay that day.

The NO SURPRISES ACT enacted by the House or Reps states that Hospitals have to offer the prices for services upfront. This did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: PA

Complaint narrative:
in accordance with the fair Credit Reporting act XXXX  Account # XXXX violated my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 Section 604 A section 2.It Also stats a consumer reporting agency can not furnish a account without my written instructions Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2022-09-01 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: PA

Complaint narrative:
in accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX  violated my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 Section 604 A section 2.It Also stats a consumer reporting agency can not furnish a account without my written instructions 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 2022-09-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: SC

Complaint narrative:
On XX/XX/2022 Credit Karma suggested I applied for a XXXX XXXX Credit Card, through Credit Karma, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. I tried to locate a number for Credit Karma to speak with a personal customer service about my concerns. But could not locate a contact number on Credit Karma 's website, nor any assistance with this type of complaint. I've spent hours today XX/XX/2022 talking with XXXX and XXXX XXXX representatives for an explanation to why my credit score dropped so significantly. Hours on the phone with both agencies have not given me an explanation to why my credit score dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2022 XXXX XXXX suggested I applied for a Capitol One Credit Card, through XXXX XXXX, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. I tried to locate a number for XXXX XXXX to speak with a personal customer service about my concerns. But could not locate a contact number on XXXX XXXX 's website, nor any assistance with this type of complaint. I've spent hours today XX/XX/2022 talking with XXXX and Capitol One representatives for an explanation to why my credit score dropped so significantly. Hours on the phone with both agencies have not given me an explanation to why my credit score dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have requested via certified mail for this company to send me a document bearing my signature showing this debt is mine. I have no knowledge of this debt as it does not belong to me. To date, I have only received threatening letters stating they will sue me. This is violating my rights and is illegal. Cease and desist all communication with me. Furthermore, delete these inaccuracies off my credit report.

Company response to consumer: Closed with explanation