vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have numerous charges on my Capital One credit card from XX/XX/XXXX to current. I have contacted them numerous times to report fraud. They continue to send out new credit cards in my name to an address in California and to my address, without my consent. I have asked for my account to be closed and fraud to be investigated. They have advised it will take up to 90 days. In the meantime, someone is still using the Capital One account to charge items under my name. I have over {$940.00} just in XXXX alone for cell phones and school supplies. I am XXXX, I do not need school supplies or cell phone. They continue to charge on my Capital One account. I do not want to be responsible for these charges as I notified them the day I discovered, which was XX/XX/XXXX. To date, there is a total of {$1800.00} charged that I am aware of based on the statement I received int he mail today. I do not understand how someone continues to charge on my account when I have asked numerous times for this to be closed and reported fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
Good evening, On XX/XX/2022 between XXXX and XXXX I received a series of 5 calls from XXXX XXXX that I attempted to answer more than once and also received a voicemail at XXXX asking me to call same number at extension XXXX. I called back and was transferred to XXXX XXXX at Ability Recovery Services who asked me to verify the last 4digits of my SSN without advising me of the purpose of her call. Once I requested the reason for the call she advised me that it was regarding a debt from XXXX or XXXX on behalf of XXXXXXXX XXXX  I advised her that I had no idea who XXXX or XXXX company was and that I needed a report of the charges from the original creditor to verify. 

I can be reached at XXXX XXXX or by email at 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 2022-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
COMPANY IS FABRICATING XXXX : XXXX ) COMPANY IS STALLING ON COMPLAINT # XXXX : CFPB DOES NOT PROVIDE FEEDBACK TO THEIR FALSE STATMENT OF NOT BEING ABLE TO CONTACT CUSTOMER. 
AS THEY HAVE REFUSED CALL ( S ) IN TGHE PAST 2 ) THIS TIME AROUND THEY RECEIVED A CAPTIONING RECORDED MESSAGE THAT THEIR CONTINUE STALEMENT TILL XXXX XXXX, 2022 ENCOMPASSING MULTI AGGRECIOUS & OVER CHARGE/ INFLATED DEMAND NOW FOR ADDITIONAL FEES IS NOT ACCEPTABLE.

3 ) THEY HAVE BEEN ADVISED THAT LEGAL AID OF SOUTHERN NEVADA ASK A LAWYER PROGRAM HAS STATED THAT WELLS FARGO HAS A EXTENSIVE REPUTATION OF ABUSING CONSUMERS THIS DELAY HAS RESULTED IN OUR REQUEST TO PUT A STAY ON ALL FUTURE MTG. PAYMENTS UNTIL THIS MATTER IS RESOLVED WITH A REFUND OF INFLATED ESCROW CLAIMS BY WELLS FARGO.

THEY HAVE RECEIVED THAT MESSAGE FOR A STAY BY A CAPTIONING RECORDED MESSAGE TODAY ( XXXX ) 4 ) PEOPLES MTG. KNEW OF THIS STRUCTURAL DAMAGE TO THE BUILDING BUT PROCEEDED TO FALSIFY DISCLOSURE TO WELLS FARGO.

WELLS FARGO INTER PURCHASED A MTG. DAMAGE PROPERTY THAT DUE TO THE EXTENSIVE DAMAGE THE PROPERTY HAS ZERO VALUE UNTIL THE ENTIRE COMPLEX IS EITHER CONDEMN OR SOLD FOR THE VALUE OF THE LAND WHICH HAS BEEN DETERMINED TO HAVE MASSIVE WATER ISSUES

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 2022-10-27 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: NC

Complaint narrative:
Pursuant to Executive Order 13892, Sec. 8 ( a ) - it is a requirement for agencies to comply with the provisions of the Paperwork Reduction Act, section 3512 of title 44, United States, and section 1320.06 ( a ) of title 5, Code of Federal Regulations, applicable to collection of information ( other than those excepted under section 3518 of title 44, United States ). Equifax violated my Rights as a Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: MI

Complaint narrative:
Inaccurate information and company has paid of accounts by insurance companies and I would like them removed immediately TransUnion 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 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Global Credit Union
State: AK

Complaint narrative:
A major bank in Alaska called Alaska USA federal credit union e mailed all their members a new policy with predatory over draft fees. 

In the e mail it says members will be charged {$25.00} per over draft and will continue to charge an additional {$25.00} per day until its paid off. 

I called the bank and spoke to a manager and confirmed these fees are the new policy and will be enforced no matter the situation even if a members card is stolen or a bank error This is by far the most extreme fees Ive ever seen in my life and it must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I mailed a dispute letter to TransUnion. They mailed me a letter suggesting I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent this letter. Tell them to provide dispute results.

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 2022-10-27 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: OH

Complaint narrative:
XX/XX/2022 I received a message that my dispute was closed by XXXX XXXX XXXX XXXX to my claim first and foremost I have not received any authentication or what step the took for the investigation XXXX. No original validation from the original creditor or XXXX. According to U.S.C 1681 Section 602 ( A ) States I have a right to privacy. 1681 Section 604 ( A ) Section ( 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions.also 1681 ( c ). ( A ) ( 5 ) states, no consumer reporting agency may make any report containing any of the following items of information any adverse items of information other than of convection of crimes which antedates the report by more than XXXX years. Also U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the reason knows or has reasonable cause to believe the information is inaccurate. Notice I have file a XXXX Financing Statement and addendum/ a Security Agreement, Power Attorney with the Secretary of State in ohio- XXXX with a Security Agreement with {>= $1,000,000} total of value collateral in security agreement is XXXX in place I'm preparing a lien on all three credit bureaus for all reporting violations and each violation is XXXX in federal reserve notes or gold or silver coins this is a notice by law you Have XXXX business days to delete all items off my credit report and send me the investigation process and the original contacts from the lenders loan officer of this debt.

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 2022-10-27 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: SC

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 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 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 an account without my handwritten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: AZ

Complaint narrative:
As I looked on my report I noticed that my right to privacy has been violated. By Law XXXX XXXX Part XXXX - FAMILY EDUCATIONAL RIGHTS AND PRIVACY ; Student loans should be kept private from my report. You have violated my consumer rights and I would like a proper investigation. Please send me an ORIGINAL STATEMENT with my signature that gave you authorization to furnish these loans on my consumer report. 
XXXX XXXX XXXX # XXXX. Due to the furnishing of my private information I have been denied good faith in credit for goods and services. This is damaging and Im very disappointed in this credit reporting agency.

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 2022-10-27 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: AZ

Complaint narrative:
As I looked on my report I noticed that my right to privacy has been violated. By Law XXXX XXXX Part XXXX - FAMILY EDUCATIONAL RIGHTS AND PRIVACY ; Student loans should be kept private from my report. You have violated my consumer rights and I would like a proper investigation. Please send me an ORIGINAL STATEMENT with my signature that gave you authorization to furnish these loans on my consumer report. 
XXXX XXXX XXXX # XXXX. Due to the furnishing of my private information I have been denied good faith in credit for goods and services. This is damaging and Im very disappointed in this credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: AZ

Complaint narrative:
As I looked on my report I noticed that my right to privacy has been violated. By Law XXXX XXXX Part XXXX - FAMILY EDUCATIONAL RIGHTS AND PRIVACY ; Student loans should be kept private from my report. You have violated my consumer rights and I would like a proper investigation. Please send me an ORIGINAL STATEMENT with my signature that gave you authorization to furnish these loans on my consumer report. 
XXXX XXXX XXXX # XXXX. Due to the furnishing of my private information I have been denied good faith in credit for goods and services. This is damaging and Im very disappointed in this credit reporting agency.

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 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
Freedom Debt relief negotiated a settlement with a collection agency handling a credit card balance for XXXX XXXX XXXX XXXX that had been sent to XXXX XXXX XXXX XXXX XXXX XXXX. Prior to the first payment of {$380.00} on XX/XX/22 they took a large fee in the amount of {$2400.00} on XX/XX/22. The second payment of {$380.00} was paid on XX/XX/22, The third payment was sent on XX/XX/22 in the amount of {$380.00} but was returned to them unprocessed, however, they took an additional settlement fee of {$170.00} on XX/XX/22. I can not find any credit back to my disbursement account for the returned {$380.00} and they keep taking settlement fees related to the XXXX XXXX XXXXXXXX XXXX even though they are not processing the payments any longer. I sent numerous correspondence to them to find out what happened to the settlement but they do not respond. Finally today XX/XX/22 I called XXXX XXXX XXXX and found the they no longer have the account which apparently has been pulled back to XXXX XXXX by the issuer. I am completely disgusted with their lack of communication and what may be fraud on their part regarding the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27 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: Westlake Services, LLC
State: TX

Complaint narrative:
I submitted a payment by electronic check to the bank I use for my auto loan and they sent an email stating there was an error and the payment could not be processed. I processed another payment by debit card. Soon after, they withdrew my checking account that I initially used. I disputed the transaction with my bank after I tried to let them know it was a payment that wasnt supposed to go through. Both payments were reversed and the company is reporting my account incorrectly. Ive tried to ask for leniency because Im getting my credit back on track.

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 2022-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: IA

Complaint narrative:
I received an email on XX/XX/22 at XXXX XXXX  XXXX from Radius Global Solutions LLC regarding collecting a debt I owe to XXXX XXXX XXXX XXXX  XXXX. It had my address listed, but it looked like it could potentially be spam so I contacted XXXX within XXXX minutes of the email being sent. They confirmed Radius Global Solutions LLC is a debt collection agency they work with and that I owe a debt of {$200.00}, but had paid my co-pay in the amount of {$50.00} bringing the total needed down to {$150.00}. I advised I had zero phone calls or emails from them, to which they replied they only rely on the USPS to send notifications ( do not have any of those either ). They were able to confirm the dates of service, but could not provide me with a breakdown as to why we would owe so much for a visit ( they claim their systems are down ). Due to their systems issues, they also could not take a payment and would need to call me back with both pieces of missing information. 

I waited about a week and a half and called XXXX back on XX/XX/22 again asking if their systems were up, and was told they are not and their is no ETA to fix the systems. I was also informed the amount owed may not be accurate and I can just pay it and they will refund me if it's inaccurate. They still have me on a list to call back when things are working and I have not heard back from XXXX as of this writing. 

I then called Radius Global Solutions, LLC the same day directly and asked if they could provide a breakdown of the balance. They said no, but advised me the {$50.00} stated above was from my " insurance '' which is contradictory to the information provided from XXXX. I informed them I was not paying a debt they can not confirm is accurate and they requested I send them a dispute in writing ( via email ) even though I was following their email guidance and using the call in option. I emailed them on XX/XX/22 and have not heard anything back since. 

I am not disputing my family visiting the clinic at all, but their debt collection practices are completely unprofessional. They can't seem to tell me what the charges are for, don't even attempt to notify me directly they are sending my personal information to a debt collector, and provide contradictory information between both organizations.

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 2022-10-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent my letter off XX/XX/2022 I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking # XXXX According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information Experian stated This account in question was not on my consumer profile. when replying to a consumer complaint filed with the CFPB ( # XXXX ) were not on my consumer report but how is that possible if they did not do a proper investigation as this account is on my public consumer profile and is reporting insufficient derogatory remarks. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate Also this account is reporting without have been verified by the Experian bureau of my personal signature or identification 15 USC section 604 a section 2 : it also states a consumer reporting agency can not furnish my account without written instruction Experian broke the law as to not conducting a thorough investigation and has 15 days to either provide update of my concerns for this information or remove this COLLECTION derogatory change it to positive payment checkmark for the month of XX/XX/2022 for the account was paid to current balance as of XX/XX/2022 and also payment to the account were supposed to be recorded on the months of XXXX, XXXX and XXXX has not been recorded proof of payment is attached for these months Account : 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 explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reported a suspicious account opening involving my personal information to the appropriate XXXX, Equifax, and XXXX personnel on XX/XX/XXXX I begged everyone to delete these accounts since I had no idea how they got there. All three companies gave me advice on how to keep track of things and fill out an FTC form. I submitted my information on XX/XX/XXXX. Even though I had sent my letters more than 30 days ago, the accounts that weren't mine were still mentioned in my paperwork since they had been " verified. '' This is a problem that terrifies and bothers me since it hinders my family and I from purchasing a home. I contacted the three companies again on XX/XX/XXXX to ask how they could confirm that these accounts belong to me. They said there was nothing they could do to help me and that I had to speak directly to the debt collectors. The customer called the wrong bank and left a message ; they don't know who I am or what kind of account they are talking about. Just to be sure not to be mistaken, I searched the internet. My friends recommended me to visit the CFPB website. Me and my family can't wait to find the home we're looking for, so I thought it would work.

Company response to consumer: Closed with explanation