vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 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: CA

Complaint narrative:
I made a ticket purchase through XXXX XXXX, a third party airline ticket company. I tried to cancel within 24 hours. I called, emailed and tried to reach them through the 'contact us ' section of their website. I received no response until days later. They refused to refund me the money. I submitted all my documentation to Capital One. They said that I should have cancelled the booking. I told them that I tried to by emailing and calling them but nobody responded. Capital One refused to do anything else, refused to protect my interests and simply reinstated the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Asset acceptance LLC has sent a continuing writ to garnish my wages and stated that it is for a XXXX XXXX credit card. I have never had a credit card and they said the card was open like XXXX and writ to garnish is from XXXX. I never got anything from these people until now at my job. Someone is using my information! I refuse to pay money for something that I did not do. Asset LLC is no help at all of course just kept stating that garnish will continue and its up to me to prove this is not my debt from 12 years or more! I pay all the bills in my home and cant afford my money be taken and pay for lawyers. They said the original amount is over XXXX $ but now over XXXX $ is owed and dont. Have contact number for XXXX  XXXX either to dispute this. Case XXXX. I need these people stopped and the one using my information. I did put in a police report years ago around that time when mi drive license was stolen and back then my ss # was displayed on it. Im at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am a XXXX XXXX  XXXX veteran. Medicare  is my primary care. I am also covered by VA and if out of area XXXX. I went to XXXX for bloodwork and presented all of my information and cards. Later I received notification that I had a balance. I contacted medicare and they stated that there should be no balance and that the bill had not been properly billed by XXXX. I also called XXXX and they stated that they have never been billed and VA stated the same. Nobody had ever attempted to bill them. I went back to XXXX with this information and they stated they had correctly billed everyone and refused to even try to fix this with my medically insurance providers and that I just owed the money. I asked for an itemized bill so that I could provide it to Medicare  and to VA and XXXX and I could not get it. I have tried several times to get this. Then the bill was sent to collection and I asked Credit Collection ( the 3rd party ) for the same thing and I have never been able to get an itemized bill or evidence of exactly what I was charged for. They just continued to report exactly as they have from day one. The dates are wrong. This is a violation of FCRA Section 623, FCRA Section 611 Part ( A ) ( 1 ), FCRA Section 605 ( c ), FDCPA Section 807 ( 8 ), FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
FALSE STATEMENT AND ATTEMPT TO COLLECT DEBT WITH WRONG PERSON XXXX said i had an account with account number XXXX and as of XX/XX/2017, they said i owed {$160.00} between XX/XX/2017 and today. 

I called them and said that's not possible because i started residing in US on XX/XX/2017 and when i arrived here my first operator was XXXX XXXX XXXX not XXXX. They got the wrong person. None in their customer service can't fixed this. They just reported me by increasing the debt to {$210.00}. 

I CUT THE LETTER ATTACHED TO DISPUTED BUT IT RETURNED TO ME. NOBODY LISTEN OR TRY TO FIX THIS MISTAKE. I CAN'T PAY FOR SERVICES I DID NOT USE. 

My phone number was XXXX and i started using it on XX/XX/2017. They are charging by error from XX/XX/2017 which is the period that i didn't have XXXX and also was not in XXXX XXXX XXXX XXXX 

Also, i joined XXXX around XXXX but not on or before 2017. So how is it possible that i owed XXXX? 

I want XXXX  to correct this information and clean my name. 

They must found the exact person. Is very unprofessional. I asked them to tell me when i joined XXXX they just ran away. 

I called the collector EOS CCA and XXXX but no success. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX of XXXX billed me for unauthorized charges in the amounts of {$910.00} and {$940.00}. A family member that has the same or similar name is responsible for these bills. I have contacted several companies because of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : WFC Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am filing this complaint in reference to the previous complaint about LexisNexis. i have disputed the inaccuracy on my clue report that was place by XXXX  XXXX they have done a investigation and they said after they investigated and got reports from XXXX  they said it was accurate. I then in turn filed for a reinvestigation and in turn they reported back to me that the information collected from XXXX  for the reinvestigation was accurate. i provided them with accurate information and they still refuse to remove the inaccuracy. then i filed complaint with the CFPB and they still didnt remove the inaccuracy. according to the consumer laws, I am the consumer and have consumer rights, in which they are violating. LexisNexis is aware of these inaccuracies and are negligently reporting false information. usc 1681 says a consumer has a right to privacy, USC 1681b SAYS THAT A CONSUMER REPORTING AGENCY CAN ONLY FURNISH IN ACCORDANCE WITH THE WRITTEN PERMISSION FROM THE CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I called the comapny Care Credit 3 times in the month of XXXX, the first time I called I spoke to a representative that said that my address was changed by someone who called in and changed the a address that is not my address, the second time I called in I talked to a rep by the name of XXXX, I expalained that I had not recieved my statement for the month so he ask me to verify my address which I did, but the address that they have on file was another address that I do not know and have never lived at which is XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX which I have never lived there I was told that someone called in and changed via phone and I asked how did they do that without any type of verification, I expalined to him that I have recently became a victim of idenity theft and I am concerned that somone changed this address without my permission. I asked him to transfer to the fraud department he said that he would transfer me but they would probaboy transfer me back to customer service, while I was on hold the phone hung up, I called back and spoke to XXXX explained everyting over to her and she said that the account would be on hold dont worry about the payements until they reviewed how someone gained access to my account to change anything, she also said they can close the account if im concerned that my statements and personal information is at risk once again I was on hold and the phone hung up.

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 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : PORTFOLIO RC Account NumberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We have asked for over 120 days to address the promissory note and there has been no answer. They have violated the Fair Debt Collections Practices Act. They have also violated Title 18 USC 474 by not denying our claims. Silence is acquiescence. The Deed of Trust has unknown names and different dates. These violate Title 18 USC 474.

They have included 3 different investors on 3 different documents. They named themselves an investor but also a servicer. 
XXXX XXXX, XXXX XXXX, and attorney XXXX XXXX XXXX are all involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX and XXXX XXXX XX/XX/XXXX have 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 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 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AARGON AGNCY (XX/XX/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 2022-07-28 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: NV

Complaint narrative:
hello, I recently pulled my credit report and say inquiry that I did not authorize. I instantly called XXXX XXXX XXXX and notified that it was not me that authorized for my credit to be ran and it was fraud. The company withdrew application and stated that they can't remove inquiry and fraud department would reach out. Fraud department failed to reach out, so I called again and was told I would get a return call within 48hrs. I have yet to receive the call. I would like for this company to send me verification with my signature authorizing for my credit to ran. If they can't provide me with necessary proof that it was in fact XXXX XXXX, then I would like for this inquiry to removed off my profile because my consumer rights are currently being violated.

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 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: NY

Complaint narrative:
On XX/XX/2022 an account was opened with KICKOFFLENDINGLLC. They claim that {$500.00} is owed, and I'm unaware of this account. The only action that I took was " contacted the FTC. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: DISCOVER BANK
State: KS

Complaint narrative:
XXXX {$210.00} Discover Credit Card transaction via XXXX XXXX {$100.00} Discover Credit Card transaction via XXXX These transactions were approved by the Discover credit card company even though my billing address on XXXX for the Discover card was incorrect. Discover should have declined those transactions due to incorrect billing address. 

I talked with Discover on XXXX but they said these are pending authorized transactions on which they can't do anything. 

I talked with Discover security department and billing department on XX/XX/2022 from XXXX to XXXX asking them why my transactions were approved by Discover card when XXXX had wrong billing address even-though I made these transactions. That means Discover doesn't validate every transaction I make against my correct billing address which is a serious security hole. But they're not ready to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XXXX XX/XX/XXXX, XXXXt XX/XX/XXXX and XXXX XXXX XX/XX/XXXX have 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 2022-07-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX have 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 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 2022-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: PA

Complaint narrative:
I was locked out of my Grain account since XX/XX/2022 and unable to make payments. There is no phone number and I have sent numerous emails which are not responded to. I was able to gain access to my account in XX/XX/2022 and my account was listed as a 30 day late notification which showed on my XX/XX/2022 credit file. I since have sent multiple emails that still have not responded. The only means of contacting customer service with grain in clicking a link for support which no one responds to. This 30 day late has tremendously affected me as I was going to closing for my first home and this negative notation on my report has halted that. Also, grain start charging an XXXX dollar fee which there was no option or ability to close account due to this fee

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase XXXX Debited my account for large sums of money with my permission and on multiple occasions they told me they didn't receive it and can't find it. 

They deducted the balance from my bank account, they deducted the amount of money in my Coinbase and restricted my account so I can not properly move what is left. 

I have them full details on transaction ID numbers, dates etc. and they told me in writing they can not find and will not restore or resolve this issue, they instead told me they would escalate the matter to a department I could not reach by phone and gave me no timeline on resolution. 

I spoke with my banking institution and they told me they had to wait to dispute it because they could not believe an institution like Coinbase could lose money like that at as it is all tracked and very clear. 

Coinbase 's accounting is also an absolute nightmare, they couldn't tell me how much money I intended to put onto their platform or how much settled on their platform. 

I have never encountered such an issue, I was unsuspecting as they are very large, in the USA and publicly traded. Their customer service is outsourced, very confusing and they do not have the proper accounting to resolve issues even if they did. 

I paid for an insurance policy through Coinbase for my account. 

I attached documentation and can provide more upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax deleted the wrong Fraud ( XXXX ) account. They deleted a non fraud account instead of the fraudulant one but in their explanation and corresponding message to my original CFPB complaint. They said they know I disputed it the account and took all proper protocol but yet they deleted the wrong account. The account that should of been deleted was ending in " XXXX ''. They deleted a perectly fine active account instead. 

The fraud account is still on there and along with that my account dropped another XXXX XXXX because of that mistake. The original complaint id is below. Please fix as soon as possible please. This has been going on for over 2 months now. 

CFPB Complaint Number XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE & HAS BEEN DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: GA

Complaint narrative:
With the consumer laws 15 USC 1666B states that a creditor may not treat a payment on mortgage loan account under an open end consumer credit plan as late for any purpose. 

Account # 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 2022-07-28 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: GA

Complaint narrative:
With the consumer laws 15 USC 1666B states that a creditor may not treat a payment on mortgage loan account under an open end consumer credit plan as late for any purpose. 

Account # XXXX

Company response to consumer: Closed with explanation