vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
CFPB + Resurgent Capital Services LP, I received in the mail a letter from Resurgent Capital Services LP that says I owe a debt. I am requesting validation of this debt - enclosed with this complaint are : - my drivers license to show identity + mailing address - My social security card - Letter I received from Resurgent Capital Services LP - My debt dispute letter I am requesting this creditor to stop contacting me over a debt that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Number # XXXX Account Name : XXXX XXXX, Account Number # XXXX and Account Name : XXXX XXXX XXXX, Account Number # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/22 I ordered and paid {$230.00} for a plant that was being advertised on XXXX. I paid for the plant via XXXX from my Capital One checking account. Once the seller received the funds, I stopped hearing from them and recieved no replys to my attempts in connecting. I was scammed. Realizing this, I immediately called XXXX to report the fraud and in reply, they referred me to Capital One for assistance. I then called Capital One and filed a claim for the transaction. I was told that if evidence was required, I would be asked for it. I then received a confirmation and a case number as being XXXX. 

On XX/XX/22, I received another communcation from Capital One confirming that they were still working on my claim. 

On XX/XX/22, I received another communication from Capital One saying that their review was completed and my claim ws denied. 

I contacted Capital One on XX/XX/22, very upset about their decision. I asked numerous times to speak with someone but I was consistently denied this request. I was told that the reason for the denial was due exclusively to the fact that I used XXXX and as such, I am not supposed to send money to someone I do not know with XXXX and therefore, do not qualify for any assistance or support from them. 

After hanging up, I decided to re-contact Capital One again but this time, ask that a claim for the {$230.00} be filed under the reason that I did not receive a product that I had ordered vs before which was under the reason of fraud/being scammed. Knowing that these two types of claims are dealt with very differently, I had ever reason to believe that I would receive assistance under this new claim filing. The agent I spoke with however said that I was not allowed to re-file the claim under different reasons despite the fact that I did indeed order something that I hadnt received. Regardless of how much I attempted to reason with the individual, I was not permitted to speak with anyone in the claims department and not permitted to pursue my claim in any manner. 

Because Capital One never asked me for any evidence that they could consider, I decided to send them one final letter ( still on XX/XX/22 ) with the supporting evidence in hopes that they would re-consider their position in not working with me to recover the {$230.00}. 

I never heard back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Misleading False Reporting These accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681. These are the collection accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Inaccurate information being reported. According to 15 USC 1681 e ( b ) maximum possible accuracy must be reported on my consumer report. In my photo I show where the info isnt the same on each.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
a guy asked me to send some money to a girl because she had to buy some things for his kitchen and that doing this pleasure for him i can have some money, so he sent to me a check of XXXX $ and i sent the money to this girl and i bought two XXXX card for her, but after that my bank account was blocked and i went to the bank for understand why and they told me that maybe the check waa fraudulent. 
my bank is M & T bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 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: AZ

Complaint narrative:
Bank of America- on XXXX two charges for XXXX XXXX were declined in my checking account. I received notification that there was suspicious activity and confirmed the charges were not made/authorized by me. I was told there would be a stop payment on those charges and no additional charges would be allowed from that vendor. The next day 6 charges from XXXX XXXX hit my account totaling {$7800.00}. I received a suspicious activity alert and immediately called to dispute the charges and submit a claim. My account was then hit with {$230.00} in international transaction fees. 
Bank of America knows that these charges are fraudulent. I'm a residential mortgage lender in XXXX, AZ and my charges are to local companies or XXXX. In no way could these charges be mine or as a result of negligence. 
I have contacted BofA countless times since XXXX for status updates. During this time they made no attempt to contact me for additional information. I was told that they have until XX/XX/18 to either make a decision or provide a temporary credit while the investigation continued. 
I called today XX/XX/18 and was told my claim was denied and that I was liable. The know that this was fraud. I mean XXXX XXXX???? I am bygone frustrated and ready to seek legal advice and escalate this.

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 monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
I can not contact a live human. I am trying to end the forbearance of my loans but I can not contact a live person to do that. I spent 30 minutes this morning contacting the number under Public Service Loan Forgiveness - https : //www.mohela.com/DL/common/contactUs.aspx - only to learn once I contact someone that I had called the DoE. Nothing on the website informs you that you are contacting an outside agency. I was not able to contact a human using main number listed - XXXX - despite 5 attempts. I kept getting disconnected. I am unable to address my issue, this will be very costly for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TX

Complaint narrative:
XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX The above has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've been a Capital One card holder for over 2 years. I have 2 credit cards. I've only received low credit line increases. I've paid over {$25000.00} in payments just in the last 5 months. I feel that the different ways to request an increase are all computer generated. 


There a 3 ways to request a CLI : by phone, on the website & in-app. Each application is different from the other which makes it unclear to know what Capital One is looking for. 

I certified letters to Capital One in hopes that a human could manually review my accounts for reconsideration. Each letter stated sufficient reasons why I believe I should be a good fit & how I would use the funds to further my career expenses over the next couple months. My letters were listed as " General Prefilled Letter ''. Subsequently, a general prefilled letter was placed XXXX the " Statements & Documents '' section of my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Inaccurate information being reported. According to 15 USC 1681 e ( b ) maximum possible accuracy must be reported on my consumer report. In my photo I show where the info isnt the same on each.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Inaccurate information being reported. According to 15 USC 1681 e ( b ) maximum possible accuracy must be reported on my consumer report. In my photo I show where the info isnt the same on each.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan 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 non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
I have contacted this company Cavalry Portfolio Services LLC several times the last time being XX/XX/2022. I requested Validation of the debt they are trying to collect and they continue to send me an envelope full of billing statements. I requested an original contract bearing my signature. If you could please have this company supply a contract or something with my original signature so that I know for sure this is my debt. If they cant provide this information could you please have the remove all of this negative reporting from my reports. I have sent them proof that all three credit bureaus are reporting different information on this account so this further confuses me on this being my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are Inquiries on my credit report that are not on my behalf. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are Inquiries on my credit report that are not on my behalf. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Submitted a request for a loan refund on XX/XX/2022. Was quoted 4-6 weeks for the refund. Currently on week 7 with no updates on status of my repayment. Website does not reflect a change in balance and no money has made it to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: MoneyLion Inc.
State: TN

Complaint narrative:
On or about XX/XX/2022 my MoneyLion checking account was charged about {$170.00} via my debit card linked to this account from a company called XXXX. I contacted MoneyLion and XXXX to advise them I did not initiate these charges indicating I was filing a transaction dispute of these 5 charges adding up to {$170.00} and was requesting the charges be reversed and credited back to my account. Both companies denied there was any kind of error with the charges after I clearly stated I nor anyone I knew had made these transactions and they refused multiple times to reverse the charges and credit my account. XXXX is a ride/delivery merchant, similar to XXXX, that operates on 4 continents, non of which includes the United States . Myself or anyone I know has been in any of the countries served during the times of any of these charges being made. The transactions in question are fraudulent and should be reversed to my MoneyLion 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 monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
On XX/XX/XXXX at XXXX I went to go send my friend some money through XXXX XXXX and my account got blocked after that and I have contracted Citi Bank XXXX times and they said that they can't verify my account via phone number and my phone numbers are on there since I opened this account and they also said that they sent a letter out with a reference number on it and I've been waiting for that letter for 3 weeks and I continued to call them about this issue and they also said that the sent out 3 more letters and I can't close my account because they need to verify my identity to have full access to my account so they can close it so I really need help with this issue and my checking account is still currently blocked and I can only see my savings account on the mobile app and not my checking 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 2022-10-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$990.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I moved out of this complex in XXXX of 2022. Once I moved out, I wasn't sent any final invoice, nothing showing my deposit being applied, or remaining balance. Several months later I pull my credit report and its reporting as a collection account. I've contacted the property and due to property management being change, they have no records available and also informed me they've received several of the same type of complaints from other tenants who have moved out. No one has contacted me regarding this account as well as why this hasn't been addressed. It's stating some company that goes by Pro Collect owns the account, I've never received anything from anyone regarding this account. I've tried communicating with the credit agencies for several months and they have not sent me anything either informing me of the invoice and how the entire account was verified.

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