vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This company has harassed myself, my family, employers and inexcusably my XXXX daughter by threatening her recently that if I don't pay the debt, she will lose everything. I don't agree with the debt amount, and I attempted to settle in XXXX of XXXX for what was the original credit amount of {$850.00}. I explained to them the card was used fraudulently they had zero interest in working with me and wanted full amount of some inflated number. Since that date they have called me numerous times from numerous of numbers and consecutively. They have impaired my ability to get employment and have exasperated my mental and physical health. I filed an answer to their fraudulent claims earlier this year and requested details on how the balance was able to exceed my initial credit limit of {$850.00}, which was never provided. They ignored it and the harassment has continued. I have been on XXXX since XX/XX/XXXX with XXXX and XXXX XXXX in addition to an array of additional symptoms. They refuse to be reasonable, and again the harassment has continued. For example, on XX/XX/XXXX, they called me from a Michigan number 5 consecutive times within a minute. On XX/XX/XXXX, they called 6 times within XXXX minutes. Finally, they had me served today, XX/XX/XXXXXXXX XXXX XXXX, with the latest of their inflated amount and yet no information on how it got to that balance. What makes matters worse is they did it in a way as if they were delivering a XXXX 's XXXX gift to me, which all I have been through these past XXXX years health wise would have been uplifting. As mentioned, I am dealing with XXXX and XXXX and this latest antic crossed the line in my opinion. I understand they are a business, and a difficult one in that, but that does not excuse them to be unprofessional, manipulative and dishonest. The debt is supposedly to me, but they want to manipulate and harass my daughter, family and references of mine that somehow have procured and then mislead me on a very important day for me. Of course, I am not expecting them to know my health status but to deliver it on XXXX XXXX which they know I have a daughter as they have already harassed her multiple times! Luckily, I happen to have family at my residence when they served me today as I went into a dark place emotionally for a brief period but having family and this avenue to make a complaint helps as it is somewhat therapeutic. Thank you for taking the time to listen and hopefully this can help prevent another individual or family from having to experience their manipulative tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Branch Messenger, Inc.
State: AZ

Complaint narrative:
The amount of {$3400.00} was deposited by the State of AZ XXXX  to my XXXX XXXX  These funds were partially spent from this deposit out my account, which left a final account balance of {$1200.00}. 
XXXX XXXX  closed my account down, then for some reason sent the amount of {$1200.00} to the State of AZ XXXX. This Missing check from 2 years ago that was never received, I am still having issue thats been going on for months with the AZ DEPARTMENT of XXXX and XXXXXXXX XXXX about a check that was mailed from XXXX XXXX from my account being closed. They have no information on the a last check that was sent. I need more information on this check as it was never received back into my account. Never mailed to me. As the check did get mailed to AZ XXXX I have been having problems for 2 years about a check that was issued to them to me due to my bank account being shut down. How can I get this check mailed to ME? The AZ XXXX and XXXX has been giving me the run around for two years now going on three.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone used my personal information to commit fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I need to remove all addresses and jobs off my credit report. Those are not my address or jobs. My name is XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My job is XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 States I have the right to privacy

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I need to remove all addresses and jobs off my credit report. Those are not my address or jobs. My name is XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My job is XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 States I have the right to privacy

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I need to remove all addresses and jobs off my credit report. Those are not my address or jobs. My name is XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My job is XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 States I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
I contacted them to cancel my service as they never worked on my problem but they are not picking my calls and answering my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
I refinanced my mortgage with RP Funding in XX/XX/2021. I did get a letter in XXXX stated that my loan has been sold and RP Funding would be my servicer. I have paid my mortgage on time but I have never received any statements and I have sent XXXX letters asking for paperwork showing receipt of my mortgage payment. The worst part, my mortgage is not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: SC

Complaint narrative:
They are the scammers who took my card information and get in to my computer without my permission. I did not receive any information from them and they are not picking up my calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I was in an accident with my vehicle my insurance company deemed it a total loss. I paid my car note to Wells Fargo auto loan for XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX the insurance company received the full amount for the car to be paid off. I also received money from Wells Fargo auto loan for overpayment after they received the checked from my insurance company. Yesterday I woke up to many alerts stating that I didnt fulfill my auto account and Im 60 days past due. Im in the process of moving this has dropped my credit score tremendously. This was an error on their end.

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 2022-06-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
As of today XX/XX/2022 I checked my consumer credit report and see that XXXX XXXX XXXX reported to my consumer credit report on XXXX XXXX without my consent.I, XXXX XXXX, as a consumer I have a right to privacy if you are disclosing ( XXXX ) Nonpublic Personal Information to nonaffiliated third parties, and that disclosure does not fall within any exception required by the Fair Credit Reporting Act.The Gramm-Leach-Bliley Act 's notice and opt out provisions are in addition to the obligations imposed by the Fair Credit Reporting Act ( FCRA ) .If the FCRA currently requires that you make clear and conspicuous disclosures to your consumers regarding your sharing of certain information ( such as consumer report and application information ) with your affiliates, you must continue to do so.The GLB Act requires these disclosures to be made as part of any privacy policy you give to your consumers.The Federal Trade Commission ( FTC XXXX , the federal banking agencies, other federal regulatory authorities, and state insurance authorities enforce the GLB Act.Each agency has issued substantially similar rules implementing GLB 's privacy provisions.The FTC has jurisdiction over any financial institution or other person not regulated by other government agencies.The FTC XXXX bring enforcement actions for violations of the privacy rule.The FTC can bring actions to enforce the privacy rule in federal district court, where it may seek the full scope of injunctive and ancillary equitable relief.The FTC Act also has authority to examine privacy policies and practices for deception and unfairness.

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 2022-06-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Co Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX have all 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Upstate Premier Mortgage, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I was told I was not able to close on a house. I spoke with this loan bank and underwriter numerous times and questioned the garuntee of the deal if paid off items on my credit report thus these specific items were taken care of an the conversation is in emails an text message between I am the lender can provide when requested I then reached out to the same group of lenders and underwriter about truth in lending upholding my end of the deal and they upholding there end of the deal as they would not admit but its factual my XXXX has denied me the opportunity. The realtor then conference call us all an asked why professional individuals will practice discrimination the day of closing moreover ; the lender an underwriter became speechless and we decided to file a complaint I will like to submit all text messages and emails to show an prove the XXXX I experienced by the morage company an the underwriter and the bank, in XXXX New York there is a XXXX gap on the housing market reported by one of the news agencies and the federal government census data also proves the XXXX in the lending/housing market for XXXX Americans In addition I was told by the party involved not to obtain a higher pay career as we needed to close the deal before doing so thus I can provide the offer letters from these employers and my termination letters This XXXX has also affected my childrens living conditions an custody case I can not attach all the emails of the correspondence but am able to forward them to a secure email address to to further this complaint along

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: IL

Complaint narrative:
Company refused to validate the debt with documents bearing my signature. I am unsure how they received my private medical information and have reason to believe my HIPAA rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
We were charged an unauthorized charge through PayPal. Transaction # XXXX, amount {$34.00}, XXXX XX/XX/XXXX. This charge came through a company in the XXXX, called XXXX Unable to communicate with them. There is a lot of activity with this consolidation company for unauthorized charges on the internet. In XXXX we paid a one time charge to XXXX for this amount. We never signed up for reoccurring payments. PayPal refuses to refund our money. There is some type of scam with these companies using XXXX to put reoccurring charges on our accounts. When I tried to communicate with XXXX, they just have an auto message service, no way to dispute the charge. I can find no authorization from XXXX that this was even charged. PayPal is not protecting their clients. Because they see an authorized charge from a year ago, they assume this new charge is Authorized. Please go after them, we are not the only people being duped by these automatic charges. We never signed up for reoccurring payments. If this is indicated, it is a scam by either XXXX or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid my balance fully in XXXX of XXXX but the credit card now notifies me that I owe over {$200.00} and they keep adding late fee to this account. as I have informed them many times that I owe them nothing.

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 2022-06-21 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:
So I have been in dispute with Transunion XXXX and XXXX about these erroneous accounts they have allowed to report on my credit report with out my knowledge and permission. so after months being ignored I did my own research and I found that the according to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX of TX Account # XXXX XXXX XXXXl XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Family XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX : XXXX of texas XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX secs XX/XX/XXXX an # XXXX XX/XX/XXXX now the following are the laws that were violated as stated in the Fair Credit Reporting Act. 

XXXX5 U.S.C 1681 section 602 A : I as the consumer have a right to privacy 15 U.S.C 1681 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions to do so. ( I did not give written instruction to do so ) 15 U.S.C 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the the following items of information : Any other Adverse item of information, other than records of convictions 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 2022-06-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Co Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX have all 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Co Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX  XXXX Account XXXX XXXX have all 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I attempted to get gas through the XXXX app using my cash app card. XXXX put a hold of {$120.00} to attempt to pay for the gas. My current balance was only {$35.00}. Once it recognized I did not have the amount for the hold only {$5.00} was returned to me. I emailed was to inform them of the error and contacted cash app via the support chat in the application. I explained on more than one occasion that my {$30.00} was not returned. I received a confirmation email from wawa stating that the funds had been released. I was unsuccessful using the chat so I tried calling cash app support hotline. The first advisor stated they placed my dispute under review and I should hear something in 10 days. I waited 10 business days and I received no call back. So I called back tried to provide the case number the advisor was very abrasive rudely told me the transaction was canceled and when I was trying to explain my money had not been returned they hung up on me. I had to compose myself and proceeded to call again. The new agent started a new case for me with a new case number. This issue was initiated XX/XX/XXXX and Ive yet to have any assistance in getting my money returned. I also put in a dispute with regards to my account being compromised on XX/XX/XXXX and the amount of {$150.00} hasnt been resolved either. Im very hurt seeing as this is a platform I thought could be trusted but when it comes to trying to aid a customer in getting unauthorized funds returned there seems to be no sense of urgency or compassion for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: MA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX xxxxxxxxxxxx XXXX CLOSED Account Status 24 % Credit Utilization XXXX XXXX Payments XXXX XXXX Age of Account XXXX XXXX  XXXX XXXX XXXX Account Status 127 % Credit Utilization XXXX Late XXXX XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account

Company response to consumer: Closed with explanation