vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MT

Complaint narrative:
To start : The company Credence Resource Management LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX, contacted me about my grandfather 's " medical bill. '' I told them that I was his POA and that he has passed away and because of his passing I do not have the authority to pay them until I am appointed personal representative. I informed them that their client is welcome to provide the information that they have so that way I can place them on the list of Creditors for XXXX XXXX ( XXXX XX/XX/XXXX ). I also at this time requested all details from Credence Resource Management LLC. No information has been provided. They have failed to send the 5-day letter that would contain information about the bill and in their emails, they also are missing their " mini-Miranda '' warning ( informing me of who they are and so on ). 

I have emailed them again on XX/XX/XXXX @ XXXX mountain time requesting again any information that they have. on Saturday XX/XX/XXXX they responded that they have received my message and that it would be logged. It is now the XXXX and no information has been provided by them. I have also noted that they have reported my grandfather 's debt to my credit report, and it needs to be removed. I have attempted in goodfaith to resolve the matter with them and have received no information from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed on my credit report there is unauthorized inquiries on my credit report that I did not authorize. the company name is XXXX XXXX XXXX. this was added to my report this is fraud I never authorized this company to pull my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Zales Commenity was suppose to give 12 months interest free. Instead gave 6 months interest and charged XXXX dollar fee. When holding for Supervisor after 45 minutes they hung up. Called back and Second Lady didnt want to deal with it and hung up on me. Third person finally got me to supervisor who said there was no report of call. I asked if she had previous calls same day where they hung up while I was holding and disconnected calls. She said no. So I advised your folks are not logging all notes. She stated nothing I can do for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
No medical release to collect on this debt either No information given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 2 months and no information given. No medical release to collect on this debt either. The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Trans union is currently showing 21 inquiries on my credit report, that was never authorized. According to the law and congress, 15 US Code 1681a & e Congress gives me the full right to privacy. A consumer may not have his or her consumer report accessed without proper acknowledgement or permission. I have no letters, or no phone calls that I ever recievd asking or letting me know that my report was and will be pulled. 

I have reached out to trans union, and XXXX amd XXXX with the laws and congressional findings giving me this right as well as the law that protects me against this kind of agress and unlawful consumer dealings. This kind of consumer reporting behavior shows discrimination as well as unlawful

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 2023-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Sent a XXXX through their system, and held the funds for 15 months. After many attempts I was unbale to get the funds. 15 months later Wells Fargo sent a check. They took the money and held it for 15 months.

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 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Collectors International, Inc.
State: FL

Complaint narrative:
On XXXX My business Partner notified me that his brother received a phone call from a DCI representative. He forwarded me the message and I called them immediately. In the message they said to contact them immediately or there would basically be legal consequence. As I called them back, they stated the same. They said we owed {$2000.00} dollars to a XXXX XXXX XXXX XXXX or XXXX XXXX. I have never done business with this entity ( s ), and we do not owe any monies to anyone. We are a debt free company. I have requested the data sent to me in e-mail and have not yet received such data. The website seems legitimate, but I believe they are trying to fraud people out of fear with impending legal action. Can someone take a look into this. The man was ridiculously unprofessional and very threatening. Threatened to call the state on my licenses if I didn't comply. Is this company even registered? 

https : //www.dciclaims.com/ Debt Collectors International , Inc . 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone XXXX Fax XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMEX adds interest fees for 2 to 3 billing periods despite all the FULL monthly TOTAL being paid in full. 

For several recurring months, I have been charged in excess of {$1200.00} for interest charges despite each month having paid and exceeded my FULL monthly balance. Their claim is that the 1 day delay in them processing the payment has caused not only the {$40.00} late charge fee, but also accrued interest. 

In looking at the monthly statement each month, my previous balance is less than my payments and credits amount, but just a it was with XXXX XXXX in XXXX when they created fake accounts to augment their service fees and internal metrics, AMEX added the 'pay over time ' product to my account WITHOUT my consent. 

Because of this new feature in my account that was added back in XX/XX/XXXX, it allowed Amex to begin charging interest fees on my monthly balances. And according to them, as they were explaining this to me, is because interest fees continue to be charged for up to 3 billing cycles, despite each month 's balance being paid in FULL. 

I imagine this pay-over-time feature and its relationship to how interest fees continue for 3 billing cycles may not be something that people are familiar with, so I'm hoping that by posting this here, and in the consumer protection website, that more people become aware of this practice which seems solely designed to extract service fees. 

Sincerely, XXXX, Amex Member since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX now calling the business XXXX has once again taken points from my credit report as well as negative remarks regarding student loans. 

Student loans have been on pause since the pandemic as many affected financially especially the lower earners. This is the 3rd time I have to keep filing complaints regarding my credit report. 

Why is my credit report lawfully allowed to have negative comments on a debt I should have been able to file bankruptcy on in XXXX? The pause is in affect at this time XXXX? 

In addition XXXX has added {$510.00} in unpaid interest for XXXX! 

Struggled to make {$33000.00} dollars last year as well as roof over my head and food on the table. I can not afford any payments! 

The loan service companies can not lawfully ding credit reports, but yet continue to do so. 

Can i please get some legal help with these issues to end them?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I bank with USAA and also have my home and auto insurance with them. Using their app I mistakenly paid 4 months worth of car insurance payments in two separate transactions that their system allowed me to double pay. The first payment of {$870.00} drafted on XX/XX/XXXX and then the mistaken second payment for the same amount drafted on XX/XX/XXXX. I spent 4 hours on XX/XX/XXXX talking to customer service reps in both banking and insurance and nobody would refund the money. They all claimed that 710 days must pass for the payment to clear ( when the banking reps could clearly see both payments had already cleared ). I contacted USAA again today XX/XX/XXXX and am still being told a refund can not be issued until 7-10 days, but when asked repeatedly when that was I was never given a date. Meanwhile my checking account has had XXXX activity and the bank is happy to collect and cause with my creditors additional fees! 

USAA insurance billing system should have alerted me as a customer that a duplicate payment was being scheduled rather than allowing that payment to be made and holding my money hostage for more than 2 weeks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: ID

Complaint narrative:
I was email phished for a job as a Regional Branch Purchasing Manager in XXXX XXXX XXXX - US Branch. Through a series of interactions they convinced me to purchase XXXX Laptops from my local XXXX XXXX and ship them to a person and location in Florida. They assured me they would pay for the charges and provided me an account number to enter into my credit card payment. It looked like it was paying then a week or two later the payment reversed and their email and phone number no longer worked. I have the receipts both paper and email. I also have all the email correspondence. XXXX XXXX on XXXXXXXX for {$16000.00}. XXXX XXXX on XX/XX/19 for {$13000.00}. XXXX XXXX on XX/XX/19 for {$1300.00}. XXXX XXXX on XX/XX/19 for {$15.00}. USPS on XX/XX/19 for {$240.00}. USPS on XX/XX/19 for {$260.00}. USPS on XX/XX/19 for {$310.00}. During this time Capital One never questioned these charges and never spoke with me about the payments reversing. Up until this time I sporadically used the card and had a manageable balance. These charges in the month of May were over 3x what I had previously charged on the card for the entire time I had it. When I spoke to their fraud department they said since it was me who made the purchases they were not liable. I think they were and they failed to protect me and never questioned these unusually large purchaes or why the payments I made on their website were reversing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
XX/XX/23 - Account opened online and {$65000.00} transferred to the account. POA paperwork will be needed for this account and an ( incorrect ) mailing address was provided for that purpose. POA paperwork sent via the USPS. 

XX/XX/23 - The next day, online access to the account is " temporarily locked '' - i.e., no access to the {$65000.00} in the account. 

XX/XX/23 - Called customer service to unlock account. They respond that it will not be possible until POA paperwork is received. I am asked to wait longer. 

XX/XX/23 - Account remains locked. Again, I call customer service and am told to continue waiting. The account can not be unlocked until the POA paperwork is received. 

XX/XX/23 - Account remains locked. Again, I call customer service and am told to continue waiting. 

XX/XX/23 - Account remains locked ( now a full 3 weeks since the POA paperwork was submitted ). " XXXX '' in customer service now tells me that the address I was given to submit the POA paperwork was incorrect. She's " sorry '' and " it can take weeks for the paperwork to find its way to the correct location ''. I request and am given the correct mailing address for the POA paperwork. 

XX/XX/23 - Account remains locked and no funds are accessible. POA paperwork is resubmitted to the correct address ( XXXX XXXX XXXX XXXX, PA XXXX ). Mail is sent certified this time. 

XX/XX/23 - POA paperwork is received and signed for by a representative of Goldman Sachs at XXXX XXXX 

XX/XX/23 - Account remains locked and no funds are accessible. Again, customer service is called. The initial representative is no help as she recounts the correct mailing address, etc. I ask to speak to a supervisor. 

I speak to " XXXX ''. She tells me ( after a lengthy hold ) that Goldman Sachs does not have the POA paperwork yet- this despite my going over the contradictory information, tracking number of the mail, date delivered. At first I am told that it can take 2-3 business days for them to process the paperwork ; however, when I point out that it has now been 3 days that the paperwork has been in their hands, I am again told that this can take " weeks ''. 

I ask to speak to her supervisor and am told there is NO ONE over her who will talk to me on the phone. 

I ask to submit an escalation and receive a return call from someone who can help me get the account unlocked. She agrees to submit the escalation request, but she reminds me that it will only be a supervisor " like her '' who calls me back and they " won't be able to help me either ''. 

I ask XXXX to put it in the notes that I intend to file a complaint with CFPB as these " locked '' funds will be needed to pay bills next week and if that does not occur, penalties and/or other harm will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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:
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. 
Account name : Account # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 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: TX

Complaint narrative:
See Attached, ( if attachment is Error or failed to download document ) Read, The Identified Transactions are Not information related to Any transaction by me as the consumer. They are violating my rights as the consumer and I request them to remove these fraudulent reports from my report, and to Block and Delete. 

These accounts are using my Social Security Number ( SSN # ), without my written permission or instructions to do so. Also, I have no Binding Contract with them, I have no account with them. No transactions have ever been made as the consumer with these companies, and they are using my Social Security Number for Gain and ProfiXXXX. 

Identity Theft Report FTC Report Number XXXX These accounts are fraudulently opened. 
-CXXXX XXXX  XXXX, ( Management ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX I don't owe any of these accounts or companies and I did not give my Social Security Number to any of these companies to share. Thats a violation of multiple accounts and I should be compensated for Damaging my credit and Data Breach. Nothing on my consumer reports on the 3 Bureaus, XXXX, Equifax, XXXX. Nothing match on Open Dates and Times, the balance does not match, and the name on 2 accounts are in the name of someone's else or similar, ( Department of Education ). And I would like that to be removed and deleted for incorrectly reporting, I do not own that account, but it keeps reporting, closing the account, open the account and then transferring the account. I don't know what's going to happen next. but everything needs to be removed that are not reporting accurately. 

I ask via certified mail to remove all incorrect information and send me an updated copy of my consumer report, I yet have seen it in my mailbox. that's been 3 months ago. 

the last recent certified mail was XX/XX/XXXX to XXXX, Equifax, and XXXX. I have not received an updated copy of my consumer report to gauge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX  report inaccurate balance. XXXX XXXX  credit card is a XXXX 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 2023-02-24 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: NJ

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX  report inaccurate balance. XXXX XXXX  credit card is a XXXX 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 non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX  report inaccurate balance. XXXX XXXX  credit card is a XXXX balance

Company response to consumer: Closed with explanation