vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been with Capital One Bank a long time, and I have always appreciated the good value and service I have received from Capital One Bank. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would like to remain an active consumer of Capital One Bank and will be happy to do so as soon as we get this matter cleared up. Will you kindly send me? 
confirmation that this erroneous late payment has been corrected, updated to paid as agreed and deleted from my credit report. 
If you believe it's correct, I demand : The date whomever validated it was correct. 
The method used to validate this Billing error. 
The name of the person who received the permission to Validate this error. 
The documents used to determine this error. 

I would appreciate it if this matter were handled in a timely manner. 

XXXX XXXX XXXX ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: IL

Complaint narrative:
Yes I noticed its an account on my credit that is fraud I recently got my social security stole in the mail. The amount is {$2000.00} dollars saying from durvea on my credit report please its causing me stress and anxiety I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
( 1 ) : My XX/XX/XXXX Mortgage Statement from Citizens Bank shows an Escrow Balance of {$3100.00}. This was carried over from the XX/XX/XXXX Statement. By the end of the year, all Escrow Funds should have been paid out and the balance at or near XXXX. 

( 2 ) : In late XX/XX/XXXX, I received a letter from the XXXX XXXX Tax Authority that my XXXX County Tax was not paid. Upon checking further, I found that the XXXX XXXX Property Tax and the XXXX XXXX School Tax had not been paid for the entire year as well. Citizens Bank, through a third pasrty, XXXX XXXX, Provided incorrect property identification information, incorrect tax amounts to each tax entity, and these paymentys were returned to Citizens and Citizens re-entered them to the Escrow Caaount as TAX REFUNDS and did not follow-up any further. 

( XXXX ) : In late XX/XX/XXXX, I wrote ( 3 ) three personal checks, one to each of the tax entities from my personal check account in the amount totalling {$6700.00}. These fees included late payment charges due to Citizens failure to abide by the terms of the Mortgage Agreement, Section # XXXX. 

( 4 ) : As of this date, and after repeated calls to Citizens Bank Customer Service Department, they have finally agreed to refund the excess fund they are holding after asking me what they should do with the money? 

( 5 ) : I have requested that Citizens waive collecting these Escrow Funds from my Mortgage Statement. Over the past year and including the first four ( 4 ) months of XXXX, they have eloquently demonstrated their inability to control my frunds. I have been denied my request for a waiver, Based on the investor of your loan, ( never named ), property taxes, applicable special assessments and property insurance premiums are required to be collected as part of your regularly scheduled payment and held in an escrow account until theyre due. This is the quote from therir denial letter. 
However, Section 3 of the Instrument Agreement prepared by : Citizens Bank , N.A. states partiallyLender may waive Borrowers obligation to pay the Fundsfor any and all Escrow Items at any time. Any such waiver may only be in writing. This information is on page 6 of 20, Uniform Instrument Modified For Department of Veterans Affairs MERS 1/01 ( Rev. 2/16 ) As of this complaint, Citizens Bank has withdrawn funds from the Excrow Account, did not list or identify where or why these funds were withdrawn and continue to deny any of my requests for a waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am never late in these accounts

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 2023-05-22 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: NJ

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 account : # XXXX has violated my rights. Under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

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 2023-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
PSLF form was submitted on XX/XX/XXXX. In XX/XX/XXXX I called to determine the status. I was told that it was denied due to there not being a signature for XXXX XXXX XXXX. I stated that I was told before submitting my form there is no one who signs such forms for XXXX XXXX and that all former and current employees have to use the work number to verify employment. That information was included with my form on XX/XX/XXXX. The supervisor I spoke to in XXXX confirmed that the information was indeed included and resubmitted the form. I was told to give it 90 days. On XXXX XXXX I was told that everything had been processed and my loan forgiveness was just days away from completion. I was told everything would be finalized by XX/XX/XXXX. 

On or around XX/XX/XXXX, I called again and was told that the transfer process from XXXX had not yet begun. Now today, XX/XX/XXXX, I being told that the employment for XXXX XXXX XXXX was denied because of a lack of a signature. Again that was supposedly resolved in XX/XX/XXXX. 

Its extremely frustrating to get a different response every time I call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
They took control of an account where my wages were stored while my wages are EXEMPT from garnishment. When I pointed this out they said that they knew they were not allowed to touch my wages and so thats why they took my bank account where I have around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: FL

Complaint narrative:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.

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 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

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 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: PA

Complaint narrative:
In XX/XX/XXXX I had a negative XXXX account balance of {$2700.00} due to someone hackung my account. Since then they have been calling me to pay the debt about eight times a year. I'm unaware of when XXXX sold the debt, but on XX/XX/XXXX I was sent a letter by Jefferson Capital Systems stating that I owed a debt {$2700.00} to them when I was never in a contract with them. Also within the letter there was use of obscene and profane langauge in the letter that they did not have the power to " sue '' me. The use of this language left me emotioonally distraught and I know that underneath Fair Debt Collecton Practices Act 15 USC 1692d ( 2 ) protects me from this. On XX/XX/XXXX I sent a debt dispute letter with request for a proof of claim, a counter claim with self executing contract, and an affidavit of truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX SS XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS 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 2023-05-22 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXXXXXX XXXX SS XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX BANK SS XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS 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 2023-05-22 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: VA

Complaint narrative:
XXXX {$3700.00} Date:XXXX account closed i contacted XXXX- closed paid in full still showing in my credit Date:XXXX  XXXX XXXX- {$740.00} Date : XX/XX/XXXX no action taken i contacted XXXX XXXX- {$2000.00} Date : XX/XX/XXXX No action taken i contacted XXXX XXXX XXXX- {$2600.00} Date:XXXX XXXX XXXX XXXX- {$740.00} i contacted XXXX No action taken XXXX XXXX XXXX- {$5900.00} Date:XXXX  No action taken i contacted XXXX XXXX XXXX {$120.00} Date  XXXX XX/XX/XXXX no action taken i contacted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: DISCOVER BANK
State: CO

Complaint narrative:
I discovered that this account on my credit report was incorrect when I reviewed them. It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and updated : DISCOVER XXXX XXXX XXXX : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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:
I am writing to address an ongoing issue with TransUnion, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have made multiple attempts to correct a problem regarding certain inaccuracies on my credit report, but TransUnion has consistently failed to provide the necessary information despite my valid proof. This continuous failure to comply with the FCRA 's rules of procedure has compelled me to bring this matter to your attention, and I kindly request your immediate action to resolve this issue. 
As a consumer, I have the right under the FCRA to request and receive certain information from consumer reporting agencies, such as TransUnion. This includes the right to obtain copies of my credit reports and the ability to investigate and dispute any inaccurate or incomplete information contained within them. The FCRA further stipulates that consumer reporting agencies must respond to these requests within a reasonable timeframe and provide a method of procedure for resolving adverse actions. 
Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX XXXX Account XXXX : XXXX Delete this account. 
there is some inaccurate information reporting. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Netspend Corporation
State: CA

Complaint narrative:
XX/XX/XXXX I called NetSpend to update my account and they didi logged in my account they let me withdraw XXXX $ then they closed my account told me to send documents I did 7 times they still closed my account and won't give me my remaining balance

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 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was scammed by a breeder who asked me to pay by XXXX and did a bait and switch with her contract I never signed. 

My attorney wrote a demand letter and Ive submitted two claims to Wells Fargo their executive team has declined. Ive asked in both instances for Wells Fargo to allow me to submit documentation and they failed to do so siding with the breeder.

Im holding Wells Fargo complicit to the breeders crimes and filing a complaint. I want my money back as I dont want to have to escalate this to an attorney!

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I reached out to Transunion about the reentry of a collection account in XX/XX/XXXX. I was advised that a Supervisor would reach out to me by a representative name XXXX. I never received this call.i reached out again on XX/XX/XXXX and spoke with XXXX for XXXX hr, she verified that the collectiin account from XXXX XXXX XXXX was updated and re-entered on my credit report. This was disputed back in XXXX and had been off my Credit Report until XX/XX/XXXX. I advised Transunion that per FCRA law I was suppose to be notified of the reinsertion within 5 days per FCRA law FCRA 611 15 U.S.C 1681 section 5Bii. Due to this violation, the tradeline muat be removed. XXXX advised that while the tradeline was reinserted it was by the credit company and no Transunion. I advised XXXX that per the law the credit reporting bureau was suppose to send me a notice prior to reinserting it on my 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 2023-05-22 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: NJ

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 account : # XXXX has violated my rights. Under 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 2023-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Credit Acceptance has charged me over {$15000.00} in interest for a used XXXX  XXXX XXXX. i am already {$12000.00} in negative equity with the car itself.

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