vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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: TN

Complaint narrative:
This is my fourth attempt to let you know that I was a victim of identity theft and that I want to challenge some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block any items in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX TNXXXX XXXX XXXX XXXX XXXX  TN XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX : {$10000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX*Balance : {$4700.00}, XXXX XXXX Balance : {$0.00}

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have been charged with late fee even I pay on due date exactly. The capital told me because its when they received the money they posted to my account in which I dont believe that. Because when I make a payment with my debit card like I always do the money go directly to my account and my available money go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
Account is not reporting valid and accurate information if an account is closed how could it be past due this is negative reporting to the credit bureau and negative affect my scores anD RIGHTS AS A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I received a solicitation to open a checking account which promised a {$600.00} bonus after {$5000.00} was deposited into the account and held there for 90 days. The account was opened on XX/XX/2022 with XXXX XXXX at the branch. 

Approximately 2 months later, the account was closed without me being informed and a check was sent to the wrong address, just as the 90 day account bonus was approaching. I never received the check which was fraudulently cashed once again without me being informed. 

Early in XXXX of XXXX I discovered this and initiated a process with the fraud department. It is impossible to actually speak with the fraud department and I have to call the regular customer support line which can not locate the account as it is closed. At this point I have spent countless hours with customer support, where despite me providing all the account information my claim could not be located. The fraud department only communicates through mail which frequently gets lost on their end. I have had multiple assurances from customer support that the claim will be settled as soon as possible. I have made multiple visits to the branch which was the only way to move the process forward with the fraud department. Ive provided all the required information by the fraud department only having to send certain things 3 times because it was never received even though it was XXXX  directly from the branch. At no point was I contacted by anyone to update me on the progress of the claim. 

As Im approaching an XXXX  months mark of opening this account, Im becoming convinced that the bank has multiple deficiencies in account management/tracking, internal controls, customer communication, and fraud processing. Furthermore, it was never explained to me why my account was closed, leading me to believe that the bank was trying to avoid paying the {$600.00} bonus indicating false advertising. 

Despite multiple failures on their part, the bank is still not willing to work with me to return my hard earned money

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 2023-04-20 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX writing you guys today because there is an inaccurate collection reporting on all 3 credit bureaus the company is XXXX  account number XXXX TransUnion and XXXX both have this account as an open account which is against the law XXXX also is listing this account with past due balance and 120 days which is also a volition I tried to dispute with bureaus they verified the information but clearly this information is not accurate all 3 bureau information does not match and I want this account deleted from my credit report I attached a file so you guys can see that the information does not match on all 3 bureau and that transaction and XXXX are breaking the law by reporting this collection account as open also TransUnion and XXXX have this listed as a collection account with no name or company it just says collection account I would like this account removed asap possible this account reporting inaccurately has caused me a lot of pain and stress

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 2023-04-20 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX im writing you guys today because there is an inaccurate collection reporting on all 3 credit bureaus the company is XXXX  account number XXXX XXXX and Equifax both have this account as an open account which is against the law Equifax also is listing this account with past due balance and 120 days which is also a volition I tried to dispute with bureaus they verified the information but clearly this information is not accurate all 3 bureau information does not match and I want this account deleted from my credit report I attached a file so you guys can see that the information does not match on all 3 bureau and that transaction and Equifax are breaking the law by reporting this collection account as open also XXXX and XXXX have this listed as a collection account with no name or company it just says collection account I would like this account removed asap possible this account reporting inaccurately has caused me a lot of pain and stress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: PA

Complaint narrative:
Fraudulent inquiries appearing on credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: DE

Complaint narrative:
15USC1681q ( 3 ), attached information to verify this Fraud and identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am very upset as this has gone in since XXXX and as a very good client for over 32 years Amex should not be putting me all of this headache and stress. 
I gave a Dentist {$20000.00} as he asked to be paid up front .It was a big mistake. 
He gave me an estimated treatment plan showing work to be done totaling {$68000.00} on 1st page but we had agreed on {$42000.00} and he circled that on page 2. 
He said he would give me a detailed correct bill all adding up to the {$42000.00}. 
He never did! 
XX/XX/XXXX I discontinued in writing as I realized he was not a good dentist and unprofessional as the very first and only procedure was a tooth extraction in the front of my mouth and it fell out after 2 days .He cancelled 2 appts to fix it in the next 10 days so I could not work or go out with no tooth in front.. 
After I I cancelled the dentist made up fake and fraudulent charges to try to keep most of my deposit!!! 
I only had XXXX {$250.00} XXXX XXXX  {$1800.00} ( based on his own quote ) and 1 XXXX XXXX {$770.00} total work {$2800.00}. 
He should not even get paid for the temp tooth that fell out but I am paying it. 
That is the only amount he is owed for actual work done. 
Then I had to pay for 2 dentists to see me and write reports that cost me an additional {$1500.00} so I could show Amex my evidence and proof. 
I should not have had to do that and Amex should have believed me considering our history! 
I spoke with Amex as its finally being investigated and on my credit card today there still a balance if {$5100.00}. Amex had credited me the rest but they are still investigating the amount of {$6700.00}. 

The amount that I am still owed after what I owe for work done is {$2200.00}. 
{$5100.00} still on my CC- {$2800.00}. work done to be paid to Dentist Bal. {$2200.00} still owed to me. 
If you have any questions about this you are welcome to have a supervisor call me at XXXX. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2023 and I recently contacted XXXX XXXX XXXX XXXX XXXX after receiving a letter in the mail stating that I owed them a balance. I contacted my insurance to verify. My insurance company stated that there were no claims attached to me or my dependents names. You stated that I owed {$1.00}, XXXX and {$1.00}, XXXX. 

I called and requested more information to verify that the claim was accurate, and the debt is mine. As I was speaking to the agent, I asked a particular question, and he ended the call immediately. I called back and then there was no answer. The number I called was XXXX, ( XXXX XXXX, XXXX  XXXX ). 

I have no remembrance of the original creditor. So, to investigate this debt, I will need more information such as : The date of service Itemized receipt stating what service was performed Billing Receipt Healthcare Provider The type of insurance that was used this way I could contact my insurance company to match the codes and cost of service I work at the largest hospital in my state. I would not go to an unknown hospital for treatment. I have insurance to use for treatment. There is no record of payment or charges for the original creditor by my insurance for the dates. 

As a consumer, I have the right to demand proof of ownership and verification of the services rendered. Do I need to provide the US Code? I am entitled to this information in order to ensure that I am not being overcharged and that the services being billed to me were actually performed. 

Thank you for your time and enjoy life.

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is 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. Please delete the accounts : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$7200.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$25000.00}

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 2023-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
XX/XX/2023 and I recently contacted Debt Recovery Solutions , LLC after receiving a letter in the mail stating that I owed them a balance. I contacted my insurance to verify. My insurance company stated that there were no claims attached to me or my dependents names. You stated that I owed {$1.00}, XXXX and {$1.00}, XXXX. 

I called and requested more information to verify that the claim was accurate, and the debt is mine. As I was speaking to the agent, I asked a particular question, and he ended the call immediately. I called back and then there was no answer. The number I called was XXXX, ( XXXX XXXX, XXXX  XXXX ). 

I have no remembrance of the original creditor. So, to investigate this debt, I will need more information such as : The date of service Itemized receipt stating what service was performed Billing Receipt Healthcare Provider The type of insurance that was used this way I could contact my insurance company to match the codes and cost of service I work at the largest hospital in my state. I would not go to an unknown hospital for treatment. I have insurance to use for treatment. There is no record of payment or charges for the original creditor by my insurance for the dates. 

As a consumer, I have the right to demand proof of ownership and verification of the services rendered. Do I need to provide the US Code? I am entitled to this information in order to ensure that I am not being overcharged and that the services being billed to me were actually performed. 

Thank you for your time and enjoy life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2023 and I recently contacted XXXX XXXX XXXX XXXX XXXX after receiving a letter in the mail stating that I owed them a balance. I contacted my insurance to verify. My insurance company stated that there were no claims attached to me or my dependents names. You stated that I owed {$1.00}, XXXX and {$1.00}, XXXX. 

I called and requested more information to verify that the claim was accurate, and the debt is mine. As I was speaking to the agent, I asked a particular question, and he ended the call immediately. I called back and then there was no answer. The number I called was XXXX, ( XXXX XXXX, XXXX  XXXX ). 

I have no remembrance of the original creditor. So, to investigate this debt, I will need more information such as : The date of service Itemized receipt stating what service was performed Billing Receipt Healthcare Provider The type of insurance that was used this way I could contact my insurance company to match the codes and cost of service I work at the largest hospital in my state. I would not go to an unknown hospital for treatment. I have insurance to use for treatment. There is no record of payment or charges for the original creditor by my insurance for the dates. 

As a consumer, I have the right to demand proof of ownership and verification of the services rendered. Do I need to provide the US Code? I am entitled to this information in order to ensure that I am not being overcharged and that the services being billed to me were actually performed. 

Thank you for your time and enjoy life.

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 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CCS COLLECTION company is trying to illegally collect a debt. I have asked them to provide the original contract with my name ( XXXX XXXX XXXX XXXX signed in agreement to the illegal, alleged debt that they illegally purchased from XXXX XXXX XXXX XXXX in total violation of my Consumer Rights to privacy, Permissible Purpose and XXXX compliance. A recent review of my Consumer report shows that CCS COLLECTION COMPANY OF XXXX XXXX XXXX XXXX, MA XXXX is reporting illegally on my consumer report for a collection of debt that i have no idea exist with this company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NC

Complaint narrative:
My name is XXXX XXXX and I recently opened a checking account online on XX/XX/2023 at U.S. Bank.

Since the day I have opened my account, U.S. Bank has disabled my online access. Even after trying continuous attempts to with Digital online banking support, the problem is not getting resolved. I have had multiple sessions done like co-browsing, numerous customer service calls but no resolution as of yet.

Prior to opening checking account with U.S. Bank, I also had a U.S. Bank XXXX XXXX Credit card to which I had online access to. 

After the issue happened, I have now lost access to my Credit card account as well because U.S. Bank linked my checking account to the same USER ID which was linked to credit card account.

Digital banking support is neither able to enable my current USER ID nor able to create a new USER ID to enable my online access. Their IT infrastructure and compliance and fraud prevention system is in very dilapidated condition wherein even their employees are also not able to resolve the issue. 

XXXX XXXX from digital banking support who is working on this issue is least concerned and an employee of U.S. Bank who keep throwing the work off the fence to some back-end support team and come with one or the other excuses or several set of questions without any roadmap for resolution or any promising remediation pathway towards the resolution. Apparently, it feels that it is not just U.S. Bank infrastructure but even the employees of U.S. Bank are not welcoming and also incompetent.

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 2023-04-20 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: MA

Complaint narrative:
This request is for TransUnion to remove inaccurate information from my report account XXXX from XXXX XXXX  should not be on my report TransUnion is the only agency reports these accounts on my credit report the information in inaccurate and I want it removed from my report asap I will upload supporting documents to show TransUnion is the only agency that is reporting this mis information

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I already setup an auto payment for my Bank of America credit card and it has been correctly paying my statement balance. However, the bank stopped and removed automatic pay method without notifying me. That causes a late payment fee and interest charged in XXXX 2023.

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 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: KY

Complaint narrative:
XX/XX/2023 at XXXX {$500.00} decline to XXXX XXXX XXXX XXXX. XXXX decline XXXX XXXX XXXX XXXX again {$500.00}. Again XXXX XXXX XXXX XXXX {$200.00} Again XXXX am {$300.00} XXXX XXXX Again XXXX XXXX {$300.00} XXXX XXXX XXXX. My card then is paused and unpaused XXXX  times between XXXX XXXX until XXXX XXXX At XXXX another XXXX XXXX For {$100.00} XXXX XXXX transfer. At XXXX {$20.00} XXXX XXXX XXXX XXXX At XXXX {$20.00} XXXX XXXX XXXX Then at XXXX XXXX decline daily spending limit. At XXXX decline. At XXXX XXXX XXXX {$500.00} XXXX At XXXX XXXX a money order purchase at USPS for {$1000.00} was purchased. At XXXX {$500.00} ATM XXXX Again at XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$250.00}. ATM decline XXXX and XXXX XXXX. Card is paused and unpaused again XXXX XXXX XXXX XXXX  decline at ATM. At XXXX paused and unpaused again at XXXX XXXX. At XXXX another ATM attempt card upaused again at XXXX. At XXXX XXXX XXXX transfer {$250.00} XXXX. XXXX {$250.00} XXXX XXXX at XXXX {$300.00} XXXX XXXX XXXXXXXX. At XXXX {$100.00} XXXX XXXX XXXX at XXXX card paused again pin gets changed at XXXX XXXX Again. I'm seeing the pattern of Such fraudulent activity that it is overwhelming. The bank should have never let this happen to me.

Company response to consumer: Closed with explanation