vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 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: DE

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have contacted the company about this and they have done nothing to help me! in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX please validate that this debt belongs to me and please show me the original contract. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent letters to XXXXXXXX XXXX XXXX. They have amounts and other information not authorized by me to be advertised on my credit report.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent letters to XXXXXXXX XXXX XXXX. They have amounts and other information not authorized by me to be advertised on my credit report.

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022, capital one closed my account based on an accusation of one of my XXXX recipients claiming they did not send any payments to me, which they did. I wake up, I see my bank is locked and I call and try to explain everything and they literally did not care or even CONSIDER my word. I even offered them concrete PROOF that the person sent me money. They claim he is disputing the payments with his bank. I'm like how in the entire heck will I even have access to someone's bank and send money to myself on XXXX? Ridiculous. They then tell me they are closing my bank and I should get a check in 10-12 business days. I'm checking the mail, I realize I didn't even get any check yet and I call them today just to verify if it's sent yet and ask when was the check mailed out. The fraud team then tells me " A check has not been mailed out yet because we're still investigating if its fraud or not '' I'm furious and absolutely XXXX because not only did they lie and tell me my balance is going to be mailed to me after they claimed they are closing my account, they didn't even TELL me that my funds will be HELD! I am so disgusted with capital one, choosing someone's word against mine. The worst bank I've ever experienced in my entire life. The first time I tried to get this handled, the ladies I spoke to in the fraud department sounded very rude, standoffish, unprofessional, and not of any help over the phone, then asked me about payments I received from other people that weren't even disputed. Like why are you trying to solicit unnecessary information from me? The lady I spoke to today claims that they do not even know when I will get my money or when this insanely slow " fraud '' investigation will be over. I'm appalled. The email to my capital one account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Due to current market situation I decided to buy out my lease. I decided to go through my personal bank and obtain the loan. I mailed the check to Hyundai Motor Finance which was cashed. I called them almost a month after it being paid off with questions on why I havent received my title. They then told me I had to request the title to be sent out. I requested the title to be sent to my XXXX XXXXy address since it was more convenient at the time. I called twice to make sure the title was sent to my XXXX address and was assured that it would. XXXX month later still no title at my XXXX  address or XXXX address. They also told me that the title needs a signature or else they carrier will not deliver it which would then be returned to Hyundai and they can re send it. That never happened. asked Hyundai to escalate my case and have not heard from them since. They want me to mail them a letter with money in order for them to send me another title. Every time I give them a call, I get the run around and I am OVER IT. I need my title!

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 2022-12-21 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I submitted the requested for the re affirmation form on XXXX and have not yet received the confirmation. Classes started XXXX and my account at XXXX university has a balance and a hold. I have called XXXX and spoke to XXXX managers and no one has been able to assist with getting this letter returned to me. I need this letter to get awarded XXXXXXXX XXXX for the year. I need this letter if not I will owe my school and will have to XXXX from school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have no acknowledgment of this account that is showing a negative impact on my credit.

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 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
This is regarding a Debt for a credit card. 
I was not aware of a lien placed over my property, when I tried to refinance to be able to get out of some debts, then is when I found out that I have a lien ; I could not refinance until the lien was off the property, so I contact the debt collector agency, Aldridge Pite Hann, LLP, on XX/XX/XXXX, I spoke with XXXX, I tried XXXX to get information on the debt ; she told me that the original debt was for {$13000.00} for a XXXXXXXX XXXX XXXX handled by XXXX XXXXXXXX XXXX ; and that debt now raised to {$22000.00} due to an interest placed on it. I asked her to please reduce my debt to the original to be able to refinance and thus pay other debts. but she told me that it was not allowed it. ; I request to speak with XXXX XXXX, she told me that she will transfer the call but he/she may not be available ; so I left a message with my petition, file # and all information needed, but I never received a call back ; so I had to pay them the {$22000.00}, the check was sent to then by the refinance mortgage company. 
I am complaining because I believe that, first the interest was too high ; if I would not refinance, that debt would keep increasing and at the end they would be taking all the equity on my house ; I think they are not fair at all to try to help the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: OH

Complaint narrative:
This is not about XXXX XXXX but it is about Central Portfolio Control Inc, who bought an old payday loan debt from XXXX XXXX and have been TEXTing and calling my father, who is XXXX XXXX XXXX and was NEVER on my loan listed : they keep sending him texts about resolving MY debt as a XXXX XXXX XXXX woman. I have asked them to stop contacting my relatives!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
A company called Fortiva is saying that I have a closed account with them and owe {$700.00}. The account was opened this year. I reported the fraud and tried to dispute the transaction and they wont help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21 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: Park Hill Holdings
State: GA

Complaint narrative:
A company called XXXX is saying that I have a closed account with them and owe {$700.00}. The account was opened this year. I reported the fraud and tried to dispute the transaction and they wont help me.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is showing on my credit report as a negative account. I never had XXXX XXXX and its been a hassle getting it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Cashnetusa high interest rate during pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In the first week of XXXX. I was no XXXX that there was some suspicious charges on my account from wellfargo. They hand shut down the account. So I went to the bank and talk to the banker. He noticed XXXX transfers thew XXXX to XXXX XXXX totalling XXXX XXXX XXXX XXXX dollars that I was not aware of. I do not no this person at all or never heard of here .So the banker called the fraud department to let them know about it..Fraud said they would contact me. Weeks went by no contact.Tried to contact them several times. Finally after weeks I got in contact with them.Now it's been XXXX months since this happened. After several phone calls and no solution. I was told to make a police report. I did and sent it to them. Waiting for response none. So again tried to contact fraud department finally got a hold of them they said they didn't receive the police report. So this time I faxed it and got a confirmation showing that the had received it.more times going by. Weeks and weeks. Still no contact back.finaly got a hold of the XXXX  fraud department. They said XXXX  we got the report back in XXXX??? Some body 's living. All I want thim to do is make good on the money that has been fradley taken from my account. I'm XXXX XXXX year 's old and retired with a fix income.and that is some of my life saving. And when I opened this account I was told that it was insured no problem. Here it is XXXX months going on XXXX months and no solution yet. Please help. And yes I want you to publish this. As it is XXXX XXXX to let alone fraud. Thanks 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 explanation
Consumer complaint received 2022-12-21 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: AL

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. 

XXXX XXXX XXXX : # XXXXXXXX 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 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 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 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 2022-12-21 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: AL

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. 

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 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 XXXX XXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I walked into the Citizens Bank branch on XX/XX/XXXX closed my account and withdrew the money from the account. While in the process of changing bank information for all automatic payments on XX/XX/2018, XXXX, XXXX, and XXXX the bank allowed all automatic payments to go through while there were no funds there and a request for the account closure was previously made. The payments were reversed however the bank still charged overdraft fees. 
Also, the day I closed the account the branch teller did not request that I needed to sign an account closing form to make it official. I left the branch thinking my account was closed. No other information was read to me and no information was given about the bank 's procedures for closing an account. The bank account remains open and overdrawn in the amount of {$370.00}. I have spoken to customer service they told me they can not reverse these fees only the branch can. I spoke to the branch manager, XXXX, she told me that she is not allowed to refund that amount. She sent an approval request to the bank 's higher manager 's they denied the request. I wish to have my account closed as requested on XX/XX/XXXX when my account was with a positive balance and the amount of {$370.00} reversed. Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21 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: CA

Complaint narrative:
I asked all three credit bureaus to do a verification of everything on my credit report, and they did, except for ( Equifax ). XXXX and XXXX did so and stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit reports to include Equifax, even after they did their own thorough research. 

I found improper inaccuracies on the accounts listed below ; XXXX XXXX Acct # XXXX. 
Date opened : XXXX Address ID : XXXX XXXX  XXXX XXXX Acct # XXXX. 
Date opened : XXXX Address ID : XXXX XXXX XXXX XXXX XXXX Acct # XXXX. 
Date opened : XXXX Address ID : XXXX XXXX XXXX Acct # XXXX. 
Date opened : XXXX Address ID : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Colorado Capital Investments, Inc.
State: GA

Complaint narrative:
This is regarding a Debt for a credit card.

I was not aware of a lien placed over my property, when I tried to refinance to be able to get out of some debts, then is when I found out that I have a lien ; I could not refinance until the lien was off the property, so I contact the debt collector agency, XXXX XXXX XXXX, XXXX, on XX/XX/XXXX, I spoke with XXXX, I tried first to get information on the debt ; she told me that the original debt was for {$13000.00} for a XXXX XXXX XXXX handled by Colorado Capital Investment ; and that debt now raised to {$22000.00} due to an interest placed on it. I asked her to please reduce my debt to the original to be able to refinance and thus pay other debts. but she told me that it was not allowed it. ; I request to speak with the manager, she told me that she will transfer the call but he/she may not be available ; so I left a message with my petition, file # and all information needed, but I never received a call back ; so I had to pay them the {$22000.00}, the check was sent to then by the refinance mortgage company. 
I am complaining because I believe that, first the interest was too high ; if I would not refinance, that debt would keep increasing and at the end they would be taking all the equity on my house ; I think they are not fair at all to try to help the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
Their collection company have created their own their own file trying to collect fraudulently pretending to be someone else are representing a company that have given them or have sold them a debt and now they are administrating it like if it's been held in 18 Code U.S. 1581-Peonage obstructing if though they own a slave now. they are also violating the fair debt collection practice act by sending misleading and threatening male do the post office system.

Company response to consumer: Closed with explanation