vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was charged a cash advance fee for using XXXX. I then paid the fee and the entire amount of the cash advance off, and Capital One is still charging me a monthly cash advance fee, and a separate interest charge. I have spoken with management and I was hung up on when asking for an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My concern is that the Capital One Credit card site is trying to lead clients into fraud regarding false promises and XXXX offers. 

I received a notice that a payment I sent in to BJ 's Capital One Account. When I tried to talk to a person about it - I called the number on the Capital One website linked to my account. ( XXXX XXXX XXXX XXXX ) After taking down personal info, the man who answered tried to sell me a product which promised a {$100.00} check. After a few refusals on my part, he would not give up. I asked him to solve my problem. He told me that they had changed the numbers for help and he could not help. me. 

This morning I called the same number to report the problem. He connected me to the fraud department. When I explained the issue- the man hung up on me. 

I then called the number for fraud on the Capital One website ( XXXX XXXX XXXX ) and the woman offered me a XXXX  XXXX  and refused to do anything else. 

I am concerned that my personal information has been compromised by Capital One and there is no number to call to address this concern. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: IL

Complaint narrative:
The following credit item listed on my TRANSUNION, XXXX AND XXXX credit  file is not being removed after 7 years and is a violation of my consumer rights : 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 2023-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
MOHELA ( a Federal Student Loan servicer ) stole {$4500.00} from a payment I made and scheduled on XX/XX/2023. A payment information below was receipted and acknowledged with : - Confirmation number of XXXX - Payment Amount : {$9500.00} - Payment Effective Date : XX/XX/2023 Then, the above confirmation number was deleted when I checked my account online last Sunday ( XX/XX/2023 ) evening with a payment being shorted in the amount of {$4500.00}. Now, a remaining student loan balance is being reflected inaccurately as {$19000.00} instead of {$15000.00} being the correct amount. 
I have reached to MOHELA directly twice since last Monday ( XX/XX/2023 ) with issue still being unresolved at this time. 
I literally upset that MOHELA did this to a student who has been abiding by law and policies with no late payments ever in the past. MOHELA needs to stop stealing money from students of the United States of America. One bad actor/actress/employee really ruin the reputation of MOHELA this time. MOHELA needs to step up in finding those who are responsible in stealing student 's payments money. 
MOHELA changed a payment amount received from {$9500.00} to {$5000.00} last Sunday ( XX/XX/2023 ) by stealing my own student loan payment in the amount of {$4500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I notice my credit report with mis information over two years ago I did an police report and, a around XXXX of XXXX  when check I and monitor my reports I notice inaccurate publics information and I filed and mailed off police Reports BACK IN XX/XX/2022 to all credit agency about this matter they had my Birthday Wrong on XXXX, They had address and a whole host of information inaccurate on Equifax, and XXXX they have been the absolute worst of them all they have al sort wrong information, also you cant upload anything for as doc on there sight, no one want call you back either horrible, I disputed it all, they fix everting but my address and and the puplic record Bankruptcy that is not mines, also have an letter from The Bankruptcy office they want even look at or take saying that the never gave ANY INFORMATION ABOUT A Bankruptcy, my current address or my Name, also know one there will even talk to me about the matter they also put am credit alert, last year, when they first received the policy report they in the mail they put the credit alert on XX/XX/2022 it been over a year please help this have ruined my creditability, as its very inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: PA

Complaint narrative:
Account Name XXXX XXXX XXXX XXXX XXXX  ALREADY PAID IN FULL AND NEVER LATE, NOT MY DEBT This is XXXX XXXX false info below : Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$8400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$8400.00} Highest Balance - Terms 1 Months On Record Until XX/XX/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 2023-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
I was contacted by IQ-Data International collection agency I was told that they werent a standard collection agency and they didnt buy my debt but were contracted to collect. I was told they did not do payment arrangements but under certain circumstances they would allow a payment arrangement and this was entered into under the pretense that as long as I made those payments on time, it would not report. Ive consistently made payments since the agreement was entered into, I awoke on XXXX XXXX  with the debt on my credit. I then contacted the agency and basically was called a liar stating that couldnt have been said, I prompted them to listen to the recording from my interaction. Ive made at least 3 payments on this debt under the guise that it would not be reported now they have reported and are saying I would need to pay in full the remainder in order to get it removed. The representative was not honest or forthright and basically tricked me into the agreement knowing that it wouldnt prevent them from reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: NC

Complaint narrative:
Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing XXXX  and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Hello, On XX/XX/XXXX I was looking for an apartment, I was in an extremely vulnerable situation because I needed to make a decision quickly. A scammer took advantage of this by offering me a place to stay. I was scheduled to view the apartment the next day, but was recommend that I fill out the application first. In XXXX XXXX XXXXXXXX the rental market is extremely competitive, so it's recommended that to secure your spot you should already have the application first. Again, another opportunity for the scammer to take advantage. So I sent my {$150.00} application fee, via Cash app, but shortly after decided that I wanted to change my mind. The scammer blocked me on everything. I tried to rectify this issue with my bank, they told me to take it up with cash app. Cash app doesn't guarantee buyer protection but enables business to use their app for transactions. Also according to this article https : XXXX dated XX/XX/XXXX, reports allege that Former employees estimated that 40 % -75 % of accounts they reviewed were fake, involved in fraud, or were additional accounts tied to a single individual, Their customer service keeps informing me that I should only send to reputable people. How was I supposed to know that this service was not reputable? They sure did present themselves as such. I am getting no resolve and am looking for some support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Apple Card has a fundamental problem with their customer support. Their support lines are horrible. Their right hand doesn't know what their left hand is doing. When an issue is raised with their chat option or their phone option they have no clue whether this is to be handled by Apple Card support or Goldman Sachs support and the customer gets bounced between the two groups. This results in a very long time to resolve an issue that can be addressed in a few minutes. The time to resolution is horrendous. Basically they are staffing their support with incapable, inefficient and incompetent people. This has nothing to do with a specific transaction. This happens with EACH and EVERY issue. This is unacceptable and Apple Card should be penalized for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. I submitted a dispute before to your company regarding XXXX XXXX, XXXX XXXX, and XXXX. XXXX, XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

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 2023-06-09 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: FL

Complaint narrative:
I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. I submitted a dispute before to your company regarding XXXX XXXX, XXXX XXXX, and XXXX. XXXX, XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/23, funds were transferred into my account from an unknown external account ( $ XXXX ). A transfer of {$2500.00} was then transferred out to an unknown external account. Neither of these transactions were initiated by me. On XXXX, I received an email from an unknown person claiming they were the ones who transferred money into my account and asking for a reply if I wanted to be a part of their plan to get more money. On XXXX USAA determined no fraudulent activity was found and because of this, my account is in bad standing and they now get to profit off this. I have no idea how my accounts were approved to be added to an external account or how the determination was made that this was somehow my problem. USAA has failed to support its member when fraud is involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A year now It been a huge concern about who ever hacking into our bank accounts I was told there was an investigation but money started coming out little at a time I called I did get refund but I do believe it's happening from the Inside I talk yo agents who work from home who have not updated my account after saying yhe did our card zip code didn't match our cards fradulant withdrawal from companies. And I question the manager that one of their worker demanded pretty much my signature and whe. She hot it she didn't file it she laid it on the side I call because it was odd. And when I close the security deposit box the lady said why she qanted your signature. Because I was going in a room with another agent. And me and my husband never use checks we only us the ATM. WHAT concer n s me is we are in yhe middle of a lawsuit and we have notice some one trying to access our accounts changing bank address yo get our info sending it back to old address. I'm really concern yhe XXXX who XXXX the XXXX XXXX XXXX  and XXXX  I didn't trust her she only needed my id and card to set up appointments to access my box. Too much in this year has been happening with our accounts and no one has answers then they try blame us. We know whT we spend and have a routine. They have caught a lot of things but im concern about our new accounts think there is fraud on the inside of the bank in XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. We been with them for years but these Agents working from home it's been a very serious concern

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 2023-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Recieved a collections letter in mail saying I owe XXXX $ from XXXX of 2018. I never went to hospital in 2018. Also address on file is incorrect never lived there nor where that is. I called XXXX XXXX XXXX billing department XXXX and they told me Medicaid paid the bill already a while ago in fact over paid. I do not owe this. I have left voicemails and no resolution. I requested validation letter and no sent me anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: PA

Complaint narrative:
Account Name XXXX XXXX XXXX XXXX XXXX ALREADY PAID IN FULL AND NEVER LATE, NOT MY DEBT This is XXXX XXXX false info below : Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$8400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$8400.00} Highest Balance - Terms 1 Months On Record Until XX/XX/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 2023-06-09 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: PA

Complaint narrative:
Account Name XXXX XXXX XXXX XXXX XXXXXXXX ALREADY PAID IN FULL AND NEVER LATE, NOT MY DEBT This is XXXX XXXX false info below : Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$8400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$8400.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Franklin Credit Management Corporation
State: OH

Complaint narrative:
I bought my home in XX/XX/XXXX. I was approached to do a second mortgage XX/XX/XXXX to do some needed repairs on our home. I did not really understand what I was were getting myself into. The interest rate on this loan was 14.92 %, over twice as much as my XXXX mortgage. It was a bad loan from the beginning. We struggled to pay it but with job changes, I stopped paying it in XXXX. The loan has changed servicers several times over the years. I have not heard from them until now. They are attempting to foreclose on my home. This debt is too old. They have no right to start legal proceedings against me after all this time. I filed bankruptcy in XXXX. This debt should have been wiped out then. The statute of limitation has run out on this debt, and they do not have a right to come after me or foreclose on my home.

Company response to consumer: Closed with explanation