vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: NY

Complaint narrative:
To whom it may concern, I trust that you are doing well. I appreciate your intervention in my previous concernswith complaint ID # : XXXX submitted on XXXX I madeefforts contacting the XXXX  companyto give me an itemized bill that explains what bill I owe and the staff who received the call told me that the matter is with the collection agency and can not have a discussion with me. From my credit reports, it is visible that I pay all my debts in a timely manner. Am not refusing to pay any debts I owe but I need to know what I owe since my services were prepaid and when I changed my service provider, XXXX  was contacted before starting a contract with the new provider and how I have any pending bills with them needs an explanation. On XX/XX/, I received a collection letter from a different collection company by the name ; Frontline Asset Strategies , LLC. I contacted them by phone and talked to a staff member who was very arrogant stating that I have to pay the bill and gave an example of XXXX XXXX that you can get a bill even after closing the account and had to tell her that XXXX XXXX XXXX  are post paid while phone services are prepaid. I kindly request your office to protect me from these harassmentplease. 
Thank you and I'm looking forward to your intervention. 
XXXX 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: 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I deposited a US Treasury check on XX/XX/XXXX and it has not been posted to my account even though it is required to be next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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: IL

Complaint narrative:
I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the acc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
On XX/XX/2023 Southwest Credit system flagged my credit report as a collection and it has decreased my credit score by XXXX points. I have never received anything by mail or phone call owing any type of debt to Southwest Credit System. I asked that they please verify this debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My AAA Comenity card and my XXXX card are charging my XXXX XXXX XXXXXXXX card interest charges of approximately {$40.00} & {$30.00} every month because I pay the minimum payment every month. But yet I pay interest on those accounts every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an alert from a credit report monitoring service. I contacted the company and they notified me that an inquiry had been made on my credit report. Further review determined that a business credit card was opened up with Capital One Bank for an address in Michigan. I did not open a business credit card account in Michigan. I contacted Capital One and had account closed due to fraud and they have submitted case to their fraud department. Making this report to complete process.

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 additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a vehicle from US Auto Sales with an extended warranty. I had to take the car to XXXX XXXX for repairs. I was given a claim number from the warranty company. After a diagnostic was performed on the car, the mechanic called me letting me know my warranty was null and void. I called the warranty company and they informed me that US Auto Sales was not paying their contracts and they severed ties with them due to non payment. When I called US Auto Sales no one could give me a clear answer about what was going on. I had to pay {$1800.00} out of pocket due US Auto Sales incompetence. Now they have been bought out without restructuring the loan and I just dont know what to do at this point. I believe Im a victim of fraud.

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: 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: TN

Complaint narrative:
I have disputed inaccurate information on my credit report numerous times with XXXXThis goes all the way back to XX/XX/XXXX. XXXX XXXX XXXX XXXX. ( 2 ) XXXX accounts. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  are all still on my credit report and are reporting inaccurate information. They sent me a letter stating the accounts have been verified and updated. But how? If the information is not matching up. I would like to know how was the information verified and if it was indeed verified. These accounts need to be removed and deleted from my consumer report immediately due to Equifax have violated my rights. A consumer report has to be 100 % accurate across the board. Meaning with a 3 credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I accepted a balance transfer offer from this Fifth Third Bank credit card on XXXX XXXX XXXX Terms of the balance transfer were for a 5 % balance transfer fee, which amounted to {$950.00} on a {$19000.00} balance transfer. The offer was for 0 % interest on the balance transfer through XXXX XXXX XXXX 

My second bill showed a {$15.00} interest charge on the fee portion of the balance transfer, which was deemed a " purchase. '' But this was not a purchase, it was a fee charged by the bank for the balance transfer. When I complained, the fee was waived. My third bill came back with a {$14.00} interest charge, at which point, a representative said the interest charge could not be waived. After escalating, that fee too was waived, but it's clear that Fifth Third intends to keep charging interest on the remaining fee portion for as long as it takes to pay off the balance transfer. 

The balance transfer fee is not a purchase, and should not be subject to the card 's purchase interest rate. No other credit card provider that offers balance transfers attempts this fraudulent practice. As it appears Fifth Third is steadfast in trying to charge interest on the balance transfer fee, I am filing this complaint.

Company response to consumer: Closed with 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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently sent Experian a dispute which i have attached, and have not received any response and it has been over 30 days.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
Bank of America released bank records on transactions in or around XXXX XXXX XXXX to the FBI without a warrant. This allegation was made by XXXX XXXX. As a current Bank of America depositor I am horrified by this invasion of privacy. Please investigate this situation. Financial institutions should be law abiding even if it can not be politic free.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry please remove this inquiry and block this creditor. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry, please remove this inquiry and block this creditor. 

PERSONAL ( ADDRESSES ) : XXXX XXXX XXXX XXXX XXXX XXXX I do not and never have lived this address please delete this from my credit report. 

PERSONAL ( EMPLOYERS ) XXXX XXXX XXXX I have never worked at this company please delete this from my credit report. 

XXXX I have never worked for this company please delete this from 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My Amex optima credit card has been closed by them its not fair when Im a loyal customer they refuse to reopen and closed it without letting me know this account was established to build my credit relationship with them again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
Williams & Fudge has been trying to contact me since XX/XX/2022. I have received repeated calls per day on some days, and they have contacted my relatives, including my father, sister, and stepfather.

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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Accounts name : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXXXXXX {$910.00} XX/XX/XXXX XXXX has violated my right. ( I was XXXX XXXX XXXX XXXX  of the United States of America at the time the account was opened. I am a 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 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I entered into a merchant services agreement on XX/XX/ with XXXX, through an individual named XXXX XXXX who represented himself as part of a company called XXXX XXXX XXXX The agreement stipulated that termination must be completed using a form provided only by XXXX. I sent notice of termination of that agreement to XXXX XXXX on XX/XX/, which was acknowledged by reply email stating that he would send the termination form. The form was never sent. The agreement also stipulated that if it's terminated within 45 days of inception there will be no termination fees. Now that XXXX XXXX has XXXX the termination form past 45 days the termination fees will incur. It should be noted that I interacted with no other individuals beside XXXX XXXX and representatives from his company XXXX XXXX XXXX. I was never given contact information for XXXX or a company, XXXX XXXX XXXX, who has sent me a default notice threatening collection based on fees charged by the agreement that XXXX XXXX should've cancelled on 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 monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX 2023 I closed on loan number XXXX with Statebridge Company LLC that took over the loan ( 1 ) month before I sold the home for this loan. Statebridge Company LLC stated to me they reported to all ( 3 ) credit bureau which is not showing on any of the ( 3 ) credit bureau 's. I need it to show I had the loan with Statebridge Company LLC in the amount of {$67000.00} and that it was paid in full. Attached are the closing statements and a letter from Statebridget that they had my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have a personal secured loan with Navy Federal Credit Union, originated in 2018. Since that point I have been mostly current with the loan, missed a payment or two due to employment or XXXX and had a couple of temporary month or two deferrals during the life of the loan which I was told would extend the loan by that month or two. 
I have a buyer for the RV who has been renting it and has been faithful. I need to get him a purchase price. When I looked at the balance it had not been reduced by much. After 4 + years the loan has only been reduced by approximately XXXX in principal. I have asked the Credit Union multiple times through my online account to please call me to discuss. I had them send an amortization schedule which shows a near two year period of time when payments were being made but nothing was being credited to principal, all was going to interest. I have asked a CPA to look at this and he is confused. Noone has called me, they only have said that 'at the beginning of a loan, payments mostly go to interest, to which I of course agreed BUT please look at the amortization schedule, it makes NO SENSE. An online tool at www.bankrate.come shows if I had made all payments and no deferrals were given would have the balance at approximately XXXX not XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I have already filed 2 complaints with USAA, and I filed one complaint with the FDIC, who referred me to Consumer Finance.gov. The FDIC stated they forwarded my complaint to your department. On XX/XX/XXXX, while my wife was sick with XXXX and Flu-B she transferred {$1100.00} into our USAA account XXXX XXXX, XXXX our XXXX bank account so I could pay our auto insurance bill with USAA. Also on the XXXX she unwittingly answered a spam call and quickly hung up. Later that same day someone named XXXX XXXX recived {$1000.00} out of our USAA account. Neither my wife, nor I know this person, and we did not approve this transaction. On XX/XX/XXXX, when I went to make our insurance payment, I noticed this money missing as well at other transactions which had occurred earlier in the day on XX/XX/XXXX : a transfer of {$1100.00} into our USAA account from we don't know where/ or who ; then four more XXXX transfers out of our account to people we do not know and obviously did not approve, {$200.00} to XXXX XXXX XXXX {$230.00} to XXXX XXXX XXXX {$500.00} to BrynGarrity, and {$570.00} to XXXX XXXX. Again we do not know any of these people, and did not authroize these transactions. When I spoke to a lady in the fraud dept for USAA she told me the transactions were initiated from my wife 's phone and were under an IP address associated with our physical address. She said the memo line stated 'puppies, ' and that this seems like an issue I'd need to take up with my wife, insinuating my wife used our auto insurance mone to purchase puppies. When I told the lady my wife did not spend money on puppies, that we already have dogs and have no desire for more, she became argumentative and insisted my wife is the cause of the missing money. She also stated USAA is not going to take responsibilty for the money their faulty security system allowed to be stolen from my account. Another customer service person I had spoken to previously stated this is a common problem through XXXX and banks can barely stay ahead of the criminals. Why do I have to go through insane security to speak to someone in customer service, but some criminals can easily steal money from my account? Then why is that theft blamed on my family when I, and my wife, are willing to sign an affidavit stating we did not authorize those transactions. Documents from USAA I received refernce claim # XXXX & XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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