vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Once I was released from the hospital, I contacted Capital One customer service department and explained to a Capital One representative that I had been XXXX XXXX XXXX XXXX XXXX XXXX, which caused my payments to late. The original amount I owed on the Capital One XX/XX/2022 statement was only {$34.00}. When I released from the hospital in XX/XX/2022 the amount owed on the Capital One credit card bill had ballooned to {$140.00} after late fees and other charges were added. 

The Capital One representative stated she could not waive all the fees but she granted a partial waiver and waived some of the fees and I paid the credit card bill in full with the representative on the phone in the amount of {$63.00} via my checking account/ACH transfer. 

I informed the representative I was concerned about Capital One reporting the late payments to my credit reports. I have decent credit and have not paid a bill late in over twenty years. The Capital One representative told me she would notate my account that had been affected by XXXX XXXX XXXX XXXX XXXX XXXX  which caused the late payments. My Capital one bill had always been paid on time until XXXX XXXX XXXX XXXX XXXX XXXX 

Per the guidance provided by the Capital One website and representative my account would not be reported late to the credit reporting agencies/companies because I was affected by XXXX XXXX and due to the federal CARES Act and XXXX XXXX Capital would not report a late payment. 

Unfortunately, even after all the public assurances given on the Capital One website and by the Capital One representative I spoke with, Capital One did and continues to report late payment ( s ) to the credit reporting agencies, XXXX, XXXX and XXXX. Which has and continues to negatively impacted my credit scores. 

I have attempted to reach back out to Capital One customer service and I was told there was nothing they could do to remove the late pay ( s ) from my credit reports even if it was a result of me XXXX XXXXXXXX XXXX XXXX XXXX  I also attempted to contact Capital One executive office via email but did not receive a response from Capital One via email.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've been working on my credit really hard this year because I started a new business additional to my already employment the problem is all of the the bureaus that monitors the credit all three of them are reporting really low scores when it shouldn't be that low they're sending me false offers of credit cards that I could receive and which one they know I was never eligible to receive those credit cards so it's just more increased on my report that didn't even make sense they're doing almost the same thing that XXXX XXXX was doing they're lying to the consumers tell us that we are eligible will pre-approved when we're not and in reflection of that it is making my score remain very low when it should be way higher than what it is and there and they're reporting the wrong reports the other two is for is XXXX and XXXX or reporting reports from over a year ago this really hurting my score so could you please check into this and straighten out these issues I have and make them take out all of those inquiries that they have me do by telling me that I was approved for things that I wasn't it's really just trust to the consumer all around the board and it sets us up to fail in life

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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
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

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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: CA

Complaint narrative:
Hi, I called EDFinancial on XX/XX/XXXX to get a loan refund on payments made on XX/XX/XXXX for the amount of {$500.00}. The representative was not able to give any confirmation or date on when I should expect my refund. All I was informed is that they have submitted my request for a refund. The amount has not been accurately reflected on my account. A lot of other people are having the same problem and they recommended me to submit a complaint here.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Equifax is reporting 6 Dept of education accounts inaccurately. 
They are in violation of multiple FCRA violations- The three accounts Titled DP OF EDUC- These accounts were removed in XXXX off my credit report, they then reinserted them, and are again reporting inaccurately. The accounts are all three paid and closed -- but they are reporting the Account status as " derogatory '', the payment status is reporting as " Late 120 days ''. 
The comments show that it is paid. This is all inaccurate and not reporting the true accurate status of the accounts. They are also DUPLICATE reporting to the following three accounts listed below. 

The three titled " DPT ED/XXXX These are duplicated with the three accounts listed above Also these are paid and closed as of XXXXXXXX XXXX XXXX  ( I've included the statement from XXXX ). Also they are reporting the payment status inaccurately as " Late 120 days '' and they are reporting a two year history that is over XXXX XXXX XXXX 

I've included all 6 copies of the credit report on each duplicated accounts, with the highlighted areas that are inaccurate. As well as the statement from XXXX showing a XXXX XXXX  and payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
CASE # XXXX COURT CASE # XXXX XXXX XXXX # XXXX Im requesting to receive a termination letter/ release letter of all XXXX  removed immediately. 
Especially the lien from the house in XXXX XXXX CA XXXX! 
My name is XXXX XXXX. I strongly feel this is a mistake error, it is unfortunate that there is a Social Security attached ending in # XXXX. 
This XXXX issued date XXXX XXXX. 
When I speak to all these collection agencies, they all have different dates & amounts. 
Some say this dept is for something back in XXXX or XXXX, they don't even know. 
I spoke on XX/XX/XXXX ( time started still waiting for all the information ) & XX/XX/XXXX with XXXX XXXX representing XXXX XXXX XXXX. 
I request, & By law is my right to receive a copy of the original contract. 
& There is none. 
Proving information with a signature that shows I owe, if any of this debt. 
I need proof of ownership, payment historys anything & everything on this is. 
( as asked for many times ) office has 30 days from XX/XX/XXXX to comply & give me all this information. 
you must delete this mistaken debt ASAP. 
I also need all the creditors/Law Groups that have been involved in this court case # XXXX. 
Information needed is, complete legal names and address, contact information emails and numbers.. 
Companys License Permit Bonds which are required by law or ordinance to be engage in business as a collection agency. 
Information will be used to do a background check on all law firms & license numbers to confirm all legality through the state of California and Attorney General. 
I would like the complete information on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX to verify on our behalf as well. 
Copy of Proof of Service form SC-104 I also have no clue or recollection on how or why the court house in XXXX Civil Process would even comply to a judgment on XX/XX/XXXX.! 
I the Defendant was never served or notified that 10 hours away from my home & was supposed to be in a courthouse. in XXXX 
I live in XXXX XXXX XXXX. 
In XXXX about this false XXXX  from XXXX? 
I was never serviced : on this claim, & not given the at least 15 days before the court date. 
I feel There is so many laws Where this XXXX is being broken through Law FCRA, FDCPA & HIPPA.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Act # XXXX, XXXX XXXXXXXX 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 Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing this letter to fight against this charge-off of my credit card account with Capital One. I first opened my account 3 years and 3 months ago. They have me at a charged-off balanced at XXXX. I made an uninformed decision 3 years and 3 months ago when I first opened this account. The only evidence of debt was the agreement but that agreement is null in void because I made an uninformed decision and I did not understand its meaning, it was not clear and conspicuous. I was not aware that I could dispute or do anything with this debt.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a number of inquiries on my credit report that I didn't make. I've contacted the companies and the bureaus and was notified to file a complaint to get the credit bureaus to take them off.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2022 I made a Chase Bank mortgage payment by telephone from my XXXX XXXX checking account, which is unusual, as my husband regularly pays it from his Chase checking. 

To my surprise, the institution had saved my banking credit union account number and routing number from a previous transaction. 

I asked that they delete the information and was told that they cant. I explained this is usually offered as a convenience by institutions in order to make regular payments easier, but that I did not Opt In, and requested to Opt Out, and have the bank account information deleted as we werent using this account regularly. 

I am being told by a customer service rep, a supervisor and now am holding for a Manager that they WILL NOT delete this information despite my request to do so because its already in there.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  acc # 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 2022-09-12 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  acc # 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 explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
PATIENT ACCOUNT BUREAU. A medical debt was sent to collections. We have started paying {$150.00} a week. But since we aren't paying them the {$270.00} a week they wanted for auto debit, they say that they will continue to call. 

I have asked them to stop calling as we are paying down the debt. They say because we are mailing the payment in and not going through " their system '' they cant stop calling. And every time I call they ask for more money than we are already paying. 

Is this legal? We feel as if it is harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/2021, I sent {$1500.00} through the Zelle add-in on my mobile banking app, XXXX XXXX. 

I sent it to a person with a Zelle account that is NOT through their bank. 

Once the intended recipient didn't receive the funds, I called Zelle, who informed me that they can't help because it was through my bank app. The recipient has no receipt of the money within their Zelle app, but my bank statements do have the receipt. 

I have now opened 2 or 3 different disputes with my bank for this amount as well, with no update or anything coming from my bank. 

Given the time period, it has been frustrating - I had waited a more than appropriate amount of time before complaining again and then before sending in this comment as well. 

I can also provide photos of the intended recipient 's empty Zelle account as well.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act the following accounts 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 602 A It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Acct # XXXX XXXX Acct XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX IMPROPER USE OF CREDIT REPORT/NOT INACCURACIES

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
The creditor First Franklin Pulled my credit report without authorization. On XX/XX/2022 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My bank mailed Comenity - XXXX XXXX XXXX XXXX XXXX check number XXXX on XX/XX/22 and XXXX from Comenity ( ID XXXX ) said they still haven't received it and how would I like to make the past due minimum payment of {$160.00}. I said I'm not past due and that I send XXXX XXXX monthly payments and this is the second time Comenity said I didn't mail a payment. I have good credit and this has become a monthly job calling them which is ridiculous. They actually cashed a previous check and deposited it in a Bank of America account and asked me to prove that I made the payment. So here we go again. Yes, I have proof that my bank sent the payment. I asked to speak with a supervisor XXXX XXXX XXXX. I asked for an email address so I can have proof of all this going back and forth and nonsense. There is no email or direct number. This company has no accountability whatsoever. She only provided me with a XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I said what happened with my automatic payment that was setup on XX/XX/22? She said let me check. No, you didn't set up automatic billing. I said yes, I did. I even have an email confirmation and I was afraid the check and automatic billing would cross and I would have {$600.00} coming out of my account. She said you could set that up now and you can write a letter to the XXXX XXXX XXXX : your prior check. I have absolutely no problems with my other credit cards and believe this is one big scam to hit me with late fees and high interest rates after the introductory period passes. I have proof of everything. 

Thank you, XXXX XXXX

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: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
I have a medical collection on my account for {$1200.00} which was not me. I have never heard from this company or have ever incurred a debt like this. I can not get ahold of the company and have tried disputing this twice with 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: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: MO

Complaint narrative:
U.S.C 1692 e ( 2 ) False or Misleading Representations in Communications A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
I have reasonable cause to believe that ( AFNI Collection Agency ) is using my nonpublic private information to bring harm to me. They open this account without my consent. 
This Company is putting a lien on my License, and I tried to resolve the issue at hand, but the company refuse. 

UCC3-603 Tender of Payment, if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge.

Company response to consumer: Closed with explanation