vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: YSA ARM LLC DBA Oxygen XL
State: NY

Complaint narrative:
Dear Madam/Sir, My name is XXXX XXXX XXXX 
Im contacting you in regard of a business that closed during Covid.

The name of the business was : IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Around XX/XX/XXXX We made and agreement with a credit card Processing Merchant doing business as : XXXX XXXX XXXX  as per their fax page header ( see attached ) but invoicing us under the name XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX As you can see from the agreement they faxed to us dates XXXX/XXXX/XXXX at XXXX They agreed to give us a rate of 4 % flat for all our monthly processing. Unfortunately after a review of the charges we later found out that they were charging us in most case between 6 % and 8 % instead. We asked for a refund, but they denied it. Hence we asked repeatedly to close the account ( See attached docs ). They finally confirmed account was closed as of XX/XX/XXXX. 
After some time we were contacted from a collection agency : OXYGEN RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Tel : XXXX Fax : XXXX Email : XXXX We tried to explain that we owed nothing but they didnt care and put a Deroga Mark on my credit. At that point I contacted the Office of the NYS attorney General ( sea attached ). 
Finally Merchant Service agreed not to hold us responsible for anything that Oxygen claimed we owed and thanks to the AG office signed a document confirming that.

Many years have passed and Oxygen still calls me threatening to put me on collection again and ruin my credit if I dont pay {$1800.00}!

I really hope you can help me. I did an internet search and soon fond out that Merchant Service and Oxygen are not new to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act my rights have been federally violated by 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 explanation
Consumer complaint received 2023-02-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have included is in response to the ( 2 ) emails I received after I filled my credit dispute via certified mail. It appears that Experian is attempting to ignore my concern with the erroneous information I believe is being reported on my credit file associated with my social security number and other personal information. 
Let this letter serve as my cover letter of my consumer complaint in regards to the following issues I disputed on 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 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 XXXX XXXX XXXX XXXX Please provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please see Enclosed Identity Theft and Fraud Report/Police 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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was given this account when I purchased XXXX XXXX XXXX in XX/XX/2022. The payment was set for {$120.00} for XXXX XXXX at a low interest rate. I set up an autopay from my bank. In XX/XX/2022 the payment was increased to {$140.00} without prior notification. Since I don't use the account for anything else I never thought the payment would increase. When I did discover the problem, I called customer service to find out why it happened. The excuse was the payment was too low to complete the balance in time not to incur accumulating interest. I said that was not my fault. I had to wait for the decision on the refund. I was issued {$40.00} instead of the {$120.00}. There should be a monetary penalty for them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: NJ

Complaint narrative:
un approved credit inquiry and fraudulent credit cards issued. 
XXXX XXXX XXXX had to cancel XXXX fraudulently opened credit cards in my name. 
need to request instant freeze for all reporting agencies, XXXX, trans union, 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 2023-02-07 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: NJ

Complaint narrative:
un approved credit inquiry and fraudulent credit cards issued. 
XXXX XXXXXXXX XXXX had to cancel XXXX fraudulently opened credit cards in my name. 
need to request instant freeze for all reporting agencies, eXXXX XXXXXXXX XXXX, equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1666B AND UNDER THE FCRA THEY CAN'T REPORT LATE PAYMENTS, SO WHY IS THIS STILL REPORTING? THIS IS VERY FRUSTATING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried obtaining a credit card from the bank Ive been with for years but I got denied. I was told I was unable to receive a credit card because I dont have credit history. Thats the whole point as to why I wanted a credit card. To build my credit. Its ridiculous my own bank Ive been with for years wouldnt allow me to obtain a credit card

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 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I have contacted SANTANDER XXXX several times to get my credit reporting corrected. This was a loan for a vehicle that my ex wife kept possession of, and also took responsibility of the loan. Per marital settlement. She had stopped paying on the loan without my knowledge and all of my info was removed from the account address, phone numbers, and email address was all removed from the loan without my knowledge, and no way of knowing this. I have escalated all the way up SANTANDER XXXX and they said they would not do anything to assist. I was told they did not care about the documentation or anything. This has been going on since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am a XXXX merchant. I allow customers to use XXXX XXXX Installments ( which is run by Affirm ) so they can break up payments. On Monday, XX/XX/2023, I received a payout email confirming that my payment for the recent order was being sent to my bank account. The customer that placed this order used XXXX XXXX Installments. I should have received the payout the next day but I never got it. I confirmed with my bank that there were no payment attempts made by XXXX. I have tried to resolve this several times with XXXX support team. I also made complaints to Affirm since they are the ones that are responsible for this payout. I still never received my money and I have no answers on when I will. Several other XXXX merchants that I have spoken with Ive had the same issue with XXXX XXXX Installments around the same time as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: NY

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair INQUIRIES that are hurting my general reputation as a consumer. I demand these bureaus to delete said inquiries, and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these inquiries without written signature. attached are the fraudulent inquiries made by the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1666B AND UNDER THE FCRA THEY CAN'T REPORT LATE PAYMENTS, SO WHY IS THIS STILL REPORTING? THIS IS VERY FRUSTATING

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1666B AND UNDER THE FCRA THEY CAN'T REPORT LATE PAYMENTS, SO WHY IS THIS STILL REPORTING? THIS IS VERY FRUSTATING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1666B AND UNDER THE FCRA THEY CAN'T REPORT LATE PAYMENTS, SO WHY IS THIS STILL REPORTING? THIS IS VERY FRUSTATING

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 2023-02-07 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: IL

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer 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 2023-02-07 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: MD

Complaint narrative:
Before paying my bill on my Capital One app I saw a transaction that I did not recognize. I called and disputed the amount immediately. While on the phone with representative I was asked for the card number and that's when I realized the card wasn't in my possession. The representative told me not to worry that they would cancel the card so no new charges would occur. I was given a credit until an investigation was done. After about a week I received a letter in the mail stating that information Capital One discovered lead them to believe that myself or another account user benefited from the transaction. I called them immediately to dispute their findings. I asked what their findings were and they pretty much told me, I did this and I have to pay for it. They said someone bought XXXX tickets to a XXXX XXXX ( whatever that is ) and the tickets were sent to my email. I had not received any tickets and furthermore because of religious reasons, I didn't celebrate XXXX. I asked could a more in-depth investigation be done and I was pretty much told they couldn't help me. They also had no information on this company besides a support email address. I told them that it was not fair to me as a customer and the ball had definitely been dropped. They sent me a letter stating that Capital One has a {$0.00} fraud liability promise and that they would protect and resolve my account but that didn't happen. I have been left responsible for charges I didn't make and it's outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: DISCOVER BANK
State: MI

Complaint narrative:
Good day! I am writing concerning my experience with Discover that is both a grateful thank-you and a pressing request concerning a trade-line in my credit files that I would like to have revised. I received my Discover Card in early 2021 and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, since then my life took an unfortunate turn. I lost my uncle, aunt, and brother to the horrid XXXX  virus. This led me to fall into debt, and having to sell nearly everything of value that I owned. I was left in a very unfavorable position financially. Not only do I take care of my mom and younger brother, but I have had to make many sacrifices over the last two years in attempts to create a better financial situation ; I was forced to forfeit my school tuition because it was no longer within my abilities to afford. Concessions had to be made and regretfully, this led to late payments on my Discover secured credit card. The loss of income was a brutal wake-up call for me, and I now am attempting to make steady efforts step by step to hopefully avoid bankruptcy. I have gained two sources of income, as well as financial management skills to assure that I will never be late on a payment again. I am hoping to soon begin the process of purchasing my first vehicle, and it has come to my attention that the late notations from Discover may prevent me from taking full advantage of the best rate available. I am requesting that you grant me a second chance at a positive credit rating by allowing me to be relieved of all late notices under financial hardship ; and hopefully we can work out a payment plan to finish the remainder of the balance on the account. I sincerely hope that there is redemption at Discover, as I hope to remain a card member, I plead for such consideration. If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. I thank you for the time you have spent reading this correspondence. Very hopefully yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
XX/XX/XXXX - left a subpoena with my mother ( attached ) This subpoena was served to my mother and was addressed to my maiden name, which I have not used this name since I was married in XXXX. 

There was not attempt to see if this person named on this subpoena was me. 

It was served not in an envelope, not notarized, just a stained photocopy stapled together. 
The Case number is not a complete case number and there is no amount even stated on the paperwork. ( see attached ). 
I called XXXX XXXX XXXX  office in XXXX co, there is no record of any open cases against myself under my name. 

This is the second collection agency that has appeared in the last few months. 

This is not my debt nor my name. I have never received any correspondence from XXXX XXXX XXXX that I owe them anything. I do not have any collections on any of the 3 credit bureaus. I follow and watch them closely since my identity was stolen in XXXX. I filed a police report at that time proving my identity was stolen.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: DE

Complaint narrative:
I recently filed a complaint in XX/XX/2022 COMPLAINT ID XXXX in which the company replied and the CFPB closed the complaint. However the company is being vindictive purposely suppling false information on my report, defaming my character, and making it impossible to me to extend credit, or move my family out of an apartment into a house. They put and name they are aware that does not belong to me, accounts that are delinquent that does not belong to me and added and address as my address that does not belong to me and put my actual address as and old address. They also deleted all my current and positive accounts replacing them with charged off accounts that does not belong to me.

Company response to consumer: Closed with explanation