vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: AK

Complaint narrative:
The company misled me into adding XXXX XXXX XXXX, which is an insurance product that I did not know about and did not want.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 2022-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
No contract with Portfolio Recovery Associates and I do not acknowledge neither have I consented to anything with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My private property at XXXX XXXX XXXX was locks where changed without my permission, my private personal property where destroyed and stolen. I hold no contract with well fargo as there claims are fictions as a Promissory Note can not be sold or assumed as a Promissory Note in accordance to the 1882 Bills Of Exchange Act, which considered a Promissory Note to be the same as cash, This Debt has been paid in full to XXXX XXXX XXXX XXXX on XX/XX/2020, the debt of Exchange has been signed sealed and delivered, in private to XXXX XXXX XXXX XXXX so what Wells Fargo is doing is fraud against my Estate. It'd also not fair that the cfpb and nysag sits backs and does 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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2022, I mailed a certified letter advising Synchrony Bank/XXXX XXXXXXXX XXXX of the dispute I had with XXXX XXXX XXXX in the amount of $ XXXX $ XXXX {$61.00}. I sent copies of the emails that XXXX XXXX sent me stating the discounts that they applied to my account, but never applied these same discounts to my credit card. 

I informed the bank that they needed to cancel the original credit card and issue me a new credit card and not to accept any more charges from XXXX XXXX to my account. As of today, they still have not resolved this dispute and credited my current credit card. 

On XX/XX/2022, I noticed on my XXXX statement that XXXX XXXX had charged on my new credit card {$48.00} on XX/XX/2022, and {$48.00} on XX/XX/2022 ; neither of which had been authorized by me. Immediately, I filed a new dispute requesting a full refund in the amount of {$12.00}, {$48.00} from XXXX, {$48.00} for XXXX, and {$48.00} for XX/XX/2022 = {$150.00}. This company has done nothing but steal from me and Synchrony Bank is enabling them to continue this theft. 

On XX/XX/2022, I phoned Synchrony Bank customer service and was told by their representative that I should not have closed the original credit card and opened a new one because it confused the system. I told him that was a bunch of * % #! And to close this new recent account and send me a new card and do not allow ANY MORE CHARGES TO MY CREDIT CARD AT ALL!!! The reason I asked for a new card was to keep XXXX XXXX from accessing my account and making charges without my authorization. And this bank totally ignored my request and allow them to charge twice on my 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 monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One did not provide adequate notice to me. For that reason, I made an uninformed decision. There was no evidence of indebtedness, the only evidence of a debt would be an agreement. Due to my uninformed decision, that agreement is null and void. XXXX and XXXX should not be reporting this account as a charge off, nor any late fees. XXXX knows better and is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: TX

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX and I am submitting this complaint without error or influence from any third-party agency. please see my attached documentation as it contains my requests.

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 2022-09-30 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: FL

Complaint narrative:
I have written to the credit bureau a few times asking them to do a theral review of my credit report they did. but i did a research and found improper even after they did the theral review of the account numbers XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with fair credit reporting act XXXX the account numbers listed above have violated my rights.15.u.sc1681 section 602a section2 : it also states a consumer reporting agency can not furnish a acct without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
No payments ever was late. XXXX still reported my account as late pay to Credit bureaus. 3 times I submitted documents to Credit Bureaus for correction, and 3 times XXXX reported late pay as accurate. I need your help. My copies of cashiers checks and XXXX 's statement showing exact dates they received my payments collaborate the facts below. ( all supported by attached copies of cashiers checks sent to XXXX and XXXX statement ) * XX/XX/XXXX- XXXX approved forbearance from XX/XX/XXXX to XX/XX/XXXX. 
XXXX payment after forbearance was sent on XX/XX/XXXX ( received by XXXX XX/XX/XXXX ) XX/XX/XXXX - XXXX  Requested documents to qualify mortgage for modification XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX  XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX  XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX  XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX  XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) After multiple request for modifications were denied XXXX asked for the full forbearance amount or short sell or deed in leu ( loose the house or pay full forbearance ) {$50000.00}, to cover forbearance and re-state the mortgage, was sent on XX/XX/XXXX ( posted by XXXX 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 non-monetary relief
Consumer complaint received 2022-09-30 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 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.

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 2022-09-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: TX

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX and I am submitting this complaint without error or influence from any third-party agency. please see my attached documentation as it contains my requests.

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 2022-09-30 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:
Hello, my name is XXXX XXXX XXXX XXXX and I am submitting this complaint without error or influence from any third-party agency. please see my attached documentation as it contains my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a call from The financial meditation services spoke to XXXXwo people on XX/XX/XXXX. The call came in from a private number, but left a voicemail stating if I didnt contact the number and reference the case number that I would be taken court and have my wages garnished for a loan thats over 7 years old. First it was stated I owed {$300.00}, then I was transfers to some guy XXXX XXXX who said I owe {$1000.00}. XXXX XXXX then turned around saying I owed {$3300.00} for a payday loan. First they said I owed one company than turned around stating I owed 3 companies. I asked for a letter in the mail with this information and I was told they already sent a letter in XXXX. They stated they will not be sending any letter. XXXX XXXX got very irate with me, because I didnt understand what he was saying. He yelled at me etc. They stated they were in Arizona but the number was in VA. I was told if I didnt pay XXXX by XX/XX/XXXX that I would be getting a letter for court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Since the debt from AAragon first appeared in XXXX I have attempted several times to resolve and based on lack of Validation in XXXX by AArogan debt was removed. Now suddenly debt has reappeared on my XXXX report with the same balance from XXXX. As of XX/XX/XXXX. The debt does NOT belong to me and the company has been u able to validate. The company also provided no notification prior to placing a collection on my credit report this month. They did not give me the opportunity again to demand validation prior to applying to 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 explanation
Consumer complaint received 2022-09-30 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: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 ; states that I have the right to privacy. In 15 USC 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account account without my written instructions. And under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unfortunately, Ive been living XXXX for a while. I come back home to XXXX XXXX and I see all these Capital One bills no cards., There was a lot going on in the world so I felt I could handle it. I had good credit no credit cards on my name or bills on the house to to be exact one in XXXX XXXX in the US amazing credit in XXXX XXXX XXXX 100 % though lol and raised., I tried sending the money with a little extra money so that they dont with my credit Capital One they sent the money back to my XXXX XXXX  XXXX and they close the card! I called them to pay it. They gave me attitude and made me feel like Im a thief. It made me feel like it was fraud, which is so untrue because the one capital one card that I did have in my wallet was not paying on payday was paying a week before or month before the payday And the two surprising Capital One cards that people were charging on. I was paying those off I just cant get another capital one when I called them. They said its not even in their system. Ive waited years since a child to fix what I ruined and now they destroyed it again if they would like the money for anything they want to do is fine with me, but theyre not my charges Ive never owned a blue capital one Corporate card and if I did have a capital one corporate card, it would have more than XXXX bucks on it and why are they charging me XXXX and why did I tried to pay it and they did not accept and why are they destroying my credit? Ill leave that up to you guys, but XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. Those are not my charges never seen those cards. Im living in XXXX during the coronavirus while my parents passed away so I believe its a little fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
There are many issues involved in this case so ill start from the beginning. 
I spoke to a gentleman who accidentally deemed my account compromised by mistake and cut off all access of me using my money. I changed my number recently so the bank froze my access to pay pills or access money through XXXX  and digital wallets and all banks are closed until XXXX  and its XXXX.i dont have a card or the bank will not unlock my account or bypass whatever they have to, to give me access. I can still access my account online and via the app but i can only look at it. My wife, children and I need money to buy groceries and food and gas and its an emergency because we do not have any of those right now. We just moved back to the XXXX from XXXX and we dont have people who can help us. I was told i have to wait 5 days until they can unlock my account in which they made the error to cause this problem and im suffering from this. The emergency is that my family has to starve for 5 days until wellsfargo can fix their own error for me to be able to access my own money and feed my children is ridiculous and this is horrible this is causing great distress for my family and I and wish that someone could help resolve this issue please or contact someone who can help us. I called wellsfargo many times and no one knows how to fix the issue I have been treated poorly by representatives of wellsfargo included being hung up on. I was told to do many different things and nothing worked and its very stressful for me. Every call i was transferred 2 to 3 times ive spoken to the highest available employees, I spoken with tech support, and Ive even physically went in to the bank and they all turned me away and told me to wait 5 days as if this is not an emergency. Im very displeased and suffering from this treatment and the representatives of this bank have displayed insensitive and apathetic customer service and are again causing me and my family a great deal of distress.

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 2022-09-30 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: GA

Complaint narrative:
I recently went over my credit report, and I noticed that there are payments that are being reported as late on two accounts XXXX and XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

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 2022-09-30 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: GA

Complaint narrative:
I recently went over my credit report, and I noticed that there are payments that are being reported as late on two accounts XXXX and XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under XXXX5 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: LEXISNEXIS
State: GA

Complaint narrative:
I recently went over my credit report, and I noticed that there are payments that are being reported as late on two accounts XXXX and XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX did not provide adequate notice to me. For that reason, I made an uninformed decision. There was no evidence of indebtedness, the only evidence of a debt would be an agreement. Due to my uninformed decision, that agreement is null and void. Equifax and XXXX should not be reporting this account as a charge off, nor any late fees. XXXX knows better and is not.

Company response to consumer: Closed with explanation