vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian In reviewing my credit report from Experian, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete.

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 2022-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I, XXXX XXXX, XXXX am filing a Complaint against Capital One Bank NA. In correspondence to my previous complaint ( ID : XXXX ) Capital One Bank NA mentioned theyre unable to find any record of them harassing me, XXXX XXXX via XXXX XXXX however, I do have the proof and evidence of the harassment committed by Capital One Bank NA . In fact, dated on XX/XX/2022 at XXXX, I received another harassment email from the entity ( Capital One Bank Bank NA ). 

Its very clear and evident Capital One Bank NA is extorting me, XXXX XXXX, the consumer, pursuant to 18 U.S. Code 894 - Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

Capital One Bank NA, you can NOT deny your actions it is evident and you must be held accountable for your actions.

Congress makes this clear pursuant to 18 U.S. Code 891 ( 7 ) - Definitions and rules of construction - An extortionate means is any means which involves the use, or an express or implicit threat of use, of violence or other criminal means to cause harm to the person, reputation, or property of any person. Capital One Bank NA you threatened to report my information to Credit Reporting Agencies which is evident and has RUINED MY REPUTATION!!!!!!!!!!

Ive noticed Capital One Bank NA deceptive business practices you elaborate mechanism you broke the law!!!!! You will be fined for each violation ( s ) pursuant to 15 U.S. Code 1692k - Civil liability ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
RE : American Express Dishonest Customer Representatives I had been a card member of American Express since XXXX, and I had been asked to upgrade my membership but I did not want it because a new fee was {$250.00} instead of {$160.00} per year. 
On XX/XX/XXXX, XXXX XXXX from American Express told me that if I upgrade my membership and spend {$1000.00} for the first month, I would get XXXX point ( {$250.00} cash value ), and the fees would be prorated and I would be able to go back to my old membership if I want. 
However, cash value of XXXX point was only {$120.00} and when I tried to go back to my old membership sometime in XXXX, they told me that it was no longer available. Then, I realized that I had been deceived by XXXX XXXX. Then, I decided to cancel the entire membership but whenever I call them, they did not let me close my account, so it took very long to close my account, so I was charged fees for nothing by American Express. 

When I spoke to XXXX XXXX for hours to close my account on XX/XX/XXXX, finally he accepted to close my account and told me that I would get a refund of half of my membership fee ( $ XXXX {$120.00} ) within a month, but I have never received it. However, I have found that my refund was not processed at all when I called American Express on XX/XX/XXXX. I do believe that I was deceived by American Express. 

Could you please have American Express to pay me back my membership fee of {$120.00}? I have no outstanding bill, so I am entitled to get a refund. 

Thank you very much, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Independent Recovery Resources, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Department located at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX send my bill to a wrong address and finally send it to collections. Collection agency is called Independent Recovery Resources located at XXXX XXXX XXXX XXXX. # XXXX, XXXX NY XXXX. I have learned about the debt only after receiving the letter from collections agency on XX/XX/XXXX. I immediately contacted the agency via phone to verify the alleged debt and request more information about it. I was promised to send all the i formation they had regarding my debt. In addition, I mailed a certified letter to I.R.R. Requesting the same information in writting. Furthermore, through many phone calls, I ended up calling the XXXX XXXX department which confirmed that I had debt, as well as confirmed that all the bills were send to a wrong address. I requested the department ti send me a bill to the correct address, and take care of the collections as I have never been given a chance to pay the bill. XXXX, XXXX XXXX responsible for the departments billing told me that I have to pay my bill and then she will call collections and tell them it was an error. I have never received a bill from the XXXX XXXX and on XX/XX/XXXX I have learned that a derogatory mark was added to my credit report damaging it significantly. The same day on the XXXX, I received the letter from I.R.R. With the copies of information I have requested on XX/XX/XXXX. The letter was stamped XX/XX/XXXX. However, the same collection agency reported a collection debt to my credit the following day, on XX/XX/XXXX, never given me a chance to review the documents they send and to properly respond to them. Finally yet importantly, my credit score decreased by XXXX point from exceptional to good at the worst possible time when I was shopping for the mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I am being harassed with phone calls every day, I asked them to mail me a statement but insist on harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Accounts Has violated my rights, XXXX # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A state I have the rights 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 non-monetary relief
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is failing consumers

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 2022-04-17 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: NRA Group, LLC
State: RI

Complaint narrative:
On my credit report, National Recovery says I owe them {$140.00} for a collection that I didn't pay. It was paid 3 years ago..We already discussed the problem many times and that My insurance XXXX XXXX paid for it. It was a XXXX XXXX  on a XXXX We've been back and forth with this many times and I thought it was finally over with until I saw my credit report.. XXXX XXXX has now added XXXX to the bill. ( I sent for a copy ) YOU DON '' T DO XXXX XXXX FOR A XXXX XXXX ON A XXXX! 
If I owed only {$140.00} and was legit I would have paid it. I'm not paying for something I never received and was not performed for a XXXX XXXX on a 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 2022-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Constar Financial Services, LLC
State: OH

Complaint narrative:
XX/XX/21 XXXX XXXX was found guilty in lawsuit which cleared out loan in question due to a repossession. 
Constar is illegally trying to collect on a debt which was apart of a lawsuit Please stop contacting me on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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 XXXX XXXX XXXX account # XXXX, XXXX  # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 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 2022-04-17 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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

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 2022-04-17 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: Velocity Portfolio Group
State: GA

Complaint narrative:
XXXX is failing consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: FL

Complaint narrative:
Dear XXXX In reviewing my credit report from XXXX, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via XXXX automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX Inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 3. XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX XXXX 4. XXXX Inquiry date XX/XX/XXXX 5. XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I have written you in times past about Experian Credit Agency inaccurately reporting information on my credit file. You see and verify the multiple times I've written you regarding this matter. The last complaint submitted is still showing open, at the time of writing this complaint. However, they've already completed their investigation yet again, citing that the information will remain and that the furnisher has verified that info. I have asked multiple times for them to supply me in full detail the furnisher of that information with certified documents, they have refused to do so but continues to resolve their investigation as the information will remain as furnisher verified the info. I have opened yet another dispute regarding that but this time I have included all of the past request as did in times past along with a XXXX from what appears to be the furnisher of that information themselves, XXXX XXXX. XXXX has responded to my dispute about the public record of bankruptcy being on my report, specifically relating to the Experian having it on their report. They also named the actual dispute date as being on or around XX/XX/2022, which is a date in close relation to the XX/XX/2022 date the dispute letter was certified mailed to Experian in regards to the XXXX XXXX XXXX being on my data report inaccurately and must be deleted. Experian has refused to removed the information therefore violating the FCRA laws, which means they have heavy violated me and my data file. Add this XXXX XXXX letter showing XXXX removed the information as it pertains to having furnished the information to Experian the CRA 's have to follow suit but Experian is being stubborn and using computer bots and stall tactics to keep from following the FCRA 's laws. I have asked multiple times for them to provide the certified copies of the furnisher of this information and how their verification process and each time they have denied me the right to that information. I have attached my request and proof of supporting docs to this complaint. Last time I had to call CFPB the rep confirmed what I thought i knew and that is that this platform is not 100 % monitored via a live human being so that is why the cases are opened then closed at the CRA 's discretion after attempting to respond and acting like they are trying to resolve the dispute but really are not.

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 2022-04-17 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: GA

Complaint narrative:
Transunion is failing consumers

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 2022-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX/XXXX/22, a person using the name XXXX XXXX made fraudulent money transfers from my checking account of {$2000.00} and {$2500.00} by setting up instant payments. They also made a {$2500.00} payment using my XXXX. I did not authorize any of these payments. A person called me the same day claiming they were from my bank to ask me about my personal information, but I could not verify they were actually working for the bank. Their phone number is XXXX ( XXXX ) XXXX. I called my bank to open an investigation and dispute these charges, and am awaiting to be refunded the full amount.

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 2022-04-17 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: FL

Complaint narrative:
YOUR COMPLAINT I XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

List of accounts that must be removed according to the law XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have XXXX inquiries on my credit report that need to be removed according to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will file a lawsuit in federal court if my federal rights are violated by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XX/XX/21 Ally financial was found guilty in lawsuit which cleared out loan in question due to a repossession. 
XXXX is illegally trying to collect on a debt which was apart of a lawsuit Please stop contacting me on this matter

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 2022-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
on XX/XX/XXXX I took out a home equity loan to help fund the opening of an XXXX XXXX to help increase our income. This was an interest only loan. All payments were made on time. When XXXX hit the US in XXXX we were forced to close down. Being a small family restaurant, run by my wife, daughters, and grand daughter we could not financially manage to stay current with all our bills. This closure lasted for a year. as a result I contacted Keybank to see if we could get help. They granted us a forbearance which ended in XXXX XXXXI then tried to get some other type of help from them. It took almost XXXX months after many applications, only to be denied. I appealed the denial twice. After the first denial a representative from XXXX told me about XXXX XXXX different options that may be available for us, so I filed a XXXX appeal, only to be denied again. When I called to find out why I was told that my loss of income from the closing of our restaurant should be claimed on our tax return and not acceptable on an income statement. Other than XXXX this business was our only source of income, so that's why it was denied, every time. I now owe more than the original loan was and there advice was to sell my house to pay back the loan. I asked about paying back a lesser amount, as they previously said to satisfy the loan but said I didn't qualify due to lack of sufficient income. Now they say foreclosure is next. The forbearance section of Keybank is next to Impossible to work with. We lost income, our Business, and some kind of peace of mind by no fault of our own, At XXXX XXXX XXXX I really don't want to lose our house on top losing income, a business and both our mothers all in XXXX. Keybank needs to step up and help clients rather than there bottom line.

Company response to consumer: Closed with explanation