vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch
State: WI

Complaint narrative:
In XXXX of XXXX, i received a letter from XXXX XXXX, advising me of a debt that is owed. I called, set up a payment plan, paying 50 % down, and the rest in a series of payments. A week later i was able to come up with the funds, and called them to just resolve the remainder owed. I set up a check by phone in XXXX of XXXX and paid the balance. I never received a receipt for either payment, and didn't hear from them again. Until i received a letter in the mail in XXXX of XXXX stating i still owed the other half of the balance. i called right away to let them know i paid this. The person i spoke with stated she will notate my account as disputed and if they need to contact me they will. I didn't hear anything more from them until XXXX of XXXX when i was served court paperwork. I called them again to find out what had happened with my dispute and the fact that this was paid. They told me that the check in XXXX of XXXX for the 2nd half was returned as not authorized. I never received anything from my bank or from them informing me the payment didn't go through. They have violated so many FDCPA laws by not contacting me back about my dispute, my payment that " didn't '' go through, and then after i paid it 2 weeks ago- they still have not dismissed my court date which is still showing in 2 days as active. I called today to find out why this hasn't been dismissed and they advised it is my responsibility to handle the court case. I again don't have a receipt showing payment in full, so i don't have any ability to show the courts that this has been resolved. This company has made my life XXXX. I have done everything the right way, and yet here i am still having to take care of their mishandling of things. i have sent 3 complaints online, and none have been acknowledged. I asked to talk with their compliance dept and was refused. They said they would have someone call me. Something needs to be done with this company and their treatment of consumers. I paid my bill and i am still having to deal with everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
This is the second time I am filing a dispute against Fair Collections and Outsourcing XXXX. They are reporting fraudulently on my credit. This account doesnt belong to me. I didnt open this account, nor did I pay it. Someone used my information without my knowledge nor authorization. Please see the below FTC report and my driver license. plese remove this account form my credit profile.

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 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is refusing to validate my dispute and is siding with the merchant, even after I have sent multiple documents and emails proving my case. I booked a hotel reservation at XXXX XXXX in XXXX on XX/XX/XXXX for travel dates of XX/XX/XXXX - XX/XX/XXXX. The rate I booked was non-refundable, however it was 100 % refundable with included insurance in case I needed to cancel due to many different circumstances. Unfortunately I tested XXXX for XXXX on XX/XX/XXXX and informed the hotel and travel insurance through the hotel that I needed to cancel. According to the terms of the insurance my reason for canceling is valid and the entire purchase amount of {$2500.00} should have been immediately refunded to me. Neither the hotel nor the hotel 's insurance company responded to my claim nor did they refund me. That's when I contacted Capital One to dispute the transaction on XX/XX/XXXX. Capital One investigated the case and on XX/XX/XXXX sent me a letter stating they sided with the merchant who stated I booked a non-refundable rate. I appealed the decision on XX/XX/XXXX and sent more documentation in, including the original confirmation showing I purchased insurance that covers 100 % of the reservation amount, the emails I sent cancelling with proof of a XXXX  XXXX test, and terms and conditions of the reservation and insurance. I should not have to pay {$2500.00} for a hotel stay I did not even get to use. On XX/XX/XXXX I called Capital One to discuss the case and how they once again refused to honor my claim. Capital One should protect me as a consumer as I have proven the hotel is not honoring their terms by refusing a refund from the insurance company they offer as a result of my XXXX XXXX test. I have tried in good faith to resolve this with the hotel and Capital One and neither are honoring their side of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Sirs, I come to you as aXXXX XXXX  XXXX vet on a fixed income. I have an account with Truist Bank, formally BB & T. I noticed an increase in NSF charges over this last year. Unfortunately, i have had many catastrophic issues in my family which consumed my time. As a result, I've placed my bills on budget pay to facilitate the necessary payments due. Here is the latest issue : On XX/XX/22 I had a balance of {$470.00} in my account XXXX. After charges totaling {$76.00} were paid, i was charged 3X {$36.00} in NSF fees. As i had time that day, i started researching my checking accounts XXXX & XXXX. From my statements for XXXX 2022-XXXX  2022, i found that i have been charged a total of 24 NSF fees XXXX a total of {$820.00}. 
1.Truist has a policy of notifying clients within 24 hours ( grace ). I have never been notified, thereby allowing me to add the necessary funds, although they have my updated ph # & email. I would generally get a mailing some 4-6days AFTER charges have been applied. Upon calling the bank, I would be told they can't refund the fees applied. 
2. I have 3 direct deposits : My husband 's employer, my SS and my VA XXXX. I have found that these NSF charges have been applied when the funds have been available or are due for deposit.Truist banking system will show a positive balance and during the course of the day, the positive balance would change to negative balance, causing accounts to be charged overdraft fees. They run all my pending bills into the negative, then charge my direct deposits multiple NSFs consistently. 
3. I have called multiple times and have been told that i have authorized overdraft protection which gives them the right to charge NSFs. However, according to their policies, my accounts should therefore be covered as there is always funds in either one or the other account. 
4. I have spoken to multiple Customer Service Reps since XXXX, only to be told, it is in the bank 's authority to charge the fees. Since XX/XX/22 alone, after continuously calling Truist and leaving messages twice daily, i have still not received any callbacks on this matter. 
I am asking for your help in this matter as i am unable to fight these predatory actions alone. 
Truist 's banking practices have made me suffer great loss and stress, while Truist is pocketing money from these fees. My contact information. 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 2022-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
What happened is a bureaucratic circle by Experian to avoid removing closed accounts, old milling addresses, public information, inquiries, and late payments after specific after many attempts to remove/delete requested information from my consumer credit file. HUNDREDS of dollars spent with credit repair companies, and an exhaustive, frustrating and stressful effort on my part via letters, and attempted telephone calls. In many case my private information have been shared without my consent where permissible purpose never provided. When advised that I was affected by Experian data breach XXXX : no Credible action taken EXPERIAN : XXXX XXXX formally notified of of reporting inaccurate and incomplete credit information Online disputed in XX/XX/XXXX timeframe : agency responded XX/XX/XXXX under report # XXXX whereby requesting private information previously submitted. 

XXXX XX/XX/XXXX : formally notification of inaccuracies and incomplete information in credit file. The agency was requesting addition privacy information previously submitted in an attempt at avoiding to conducting required investigation. 

XXXX XX/XX/XXXX, I lost my job due to company downsizing and potential due to my age ( XXXX ), and followed by significantly impact due to COVID-19. For more than two ( 2 ) years the agency continue to report incomplete and inaccurate information in my credit file without my consent.

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 2022-09-12 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590.  That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Comerica
State: FL

Complaint narrative:
Someone set up a Debit Express Card in the beginning of XXXX with my name on it. 
They notified Social Security to send my check to the card instead of the direct deposit that was always in place. 
When the money was sent they took it. 
I reported this to the FTC on XX/XX/XXXX. Report # XXXX. 
I contacted SSI when I found out my check wasn't deposited in my account and they told me about the Debit Express Account. 
I contacted Debit Express and they said someone established a account in my name and had the card sent to them. {$2100.00} was withdrawn. 
Direct Express sent me a card minus fees. {$57.00} was on the card. XXXX XXXX at Social Security told me to see what the balance was and to send back the card, which I did. 
Now in XXXX I get another card from Direct Express. 
I did not order one and have no intention of ever using anything from Direct Express. 
I tried to call the number on the card to cancel this and called the Fraud Line number which I had from before. There is no way speak to anyone in Customer Service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12 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: MD

Complaint narrative:
In accordance with Fair Credit Reporting Act ( The Accounts Listed Below ) has violated my rights. ( Just To Name A Few Violations ) 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S.C 1681 section 602 A : States I have the right to PRIVACY.

15 U.S.C 1681 section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

18 U.S.C 1028 ( d ) ( 12 ) It States ( Traffic ) To Transport, Transfer or otherwise dispose of to another as consideration for anything of value... 

( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The response of the company indicated that the account was closed. The account was closed the money in the account was issued back to consumer then a month later the bank decided that there is {$190.00} dollars outstanding balance. the question is when the account was closed and the check was issued to the consumer if there is an outstanding balance it would have been taken care of. and if the bank account is closed then it should have not have any activity for the account was closed by the consumer. Did the bank personal stole the money and then put it on a closed account? lets face it we know you are thieves and we know your practices. Hey logic use logic. a closed account can't have activities! closed account that issued the balance to the consumer without counting the funds claimed is bank error that the bank needs to know they are the preditoter. WELLS FARGO proved themselves to be thieves. They pay their tellers {$10.00} dollars in hour and those tellers seek public assistance and that is steeling for the bank is profitable to pay their tellers. but the executive gets paid $ XXXX plus while the tellers are getting public assistance those behavior of unethical practices have empowered the XXXX to act in such a savage way! and where we are now the time of the truth we the people are not going to allow any form of abuse to any of us! Wells FARGO we will expose your unethical behavior You stole the {$190.00} dollars because your hungry staff can't even eat! and now you are sticking it to the citizens we will not stop and I will keep posting it until the public is aware of your unethical behavior and whoever supports it

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 2022-09-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an 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 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
National Credit Systems did not adequately resolve my last complaint. The XXXX XXXX XXXXXXXX XXXX refused to accept a subletter that I had found that met all requirements to " mitigate damages '' to a lease I was claimed to owe money towards, as in, I had found an individual that was willing and prepared to accept all debts claimed by The XXXX XXXX  XXXX XXXX. This was following their own mitigation of damages, in which they found an individual to move into the unit I was claimed to have been assigned. Because they mitigated damages to the unit I was claimed to have been assigned to, and because they refused to allow me to mitigate damages on a supposed alternative unit, I have no obligations of payment and the debt is invalid. 

To substantiate these claims, please refer to original communications attached. 

One series of communications was with an individual named XXXX XXXX, who would have been my roommate in the unit I was claimed to have a lease for. It was only through this individual did I discover that The XXXX at XXXX XXXX had themselves mitigated damages. The XXXX did not communicate this to me at any point beforehand. This affirms that they themselves successfully mitigated damages. 

The other series of communications was with an individual named XXXX XXXX. These affirm that I successfully found a subletter to mitigate any damages I would owe towards the supposed alternative unit, that The XXXX at XXXX XXXX refused to share the unit number, and therefore refused to allow me to mitigate damages. 

The information I've provided here, including direct evidence that I've worked in good faith with The XXXX at XXXX XXXX to mitigate damages but they refused it, demonstrates that they've acted inappropriately and coercively. It is especially shameful, given I was a poor college student, working 2-3 jobs and donating XXXX XXXX weekly just to make ends meet. 

A speedy resolution with the complete removal and total expungement from my credit reports of any collections and derogatory marks stemming from claims made by the XXXX at XXXX XXXX XXXX or National Credit Systems .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I applied for a refinance with Amerisave on XX/XX/22. I talked to XXXX XXXX and told I'd like to get a HELOC loan so I could do some work on my house. He was pushing a refinance with a XXXX loan lowering my % rate from 7.75 % to 5.25 %. I wanted {$25000.00}. loan. In the process he wanted me to bump my home insurance to {$70000.00}. which would cost me another {$650.00}. to get it to that amount. Which I don't have. I got a bill from home insurance to pay {$650.00} to be paid by XX/XX/22 and he changed the lienholder to Amerisave but I haven't had an appraisal or approved for the loan! So I called insurance company and told them to put it back the way it was and remove them as lienholder. I also sent XXXX two cease and desits emails. This would have cost way more than I can afford being XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have threXXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted these companies letters on XX/XX/22 which were sent with US certified postage letters about inaccurate information on my credit report and they have not responded to my letters. The FCRA says they are supposed to respond to my request within the 30 days and they have not.

Company response to consumer: Closed with explanation