vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
USAA Credit Card. Two unauthorized charges made on XXXX XXXX for {$230.00} and {$500.00}. I notified USAA when my statement came to file Dispute Claim. Card was closed, charges were removed. On XX/XX/2022 the charges were added back to my bill and I filed another Dispute Claim. I have made many many calls to USAA Fraud Department and they refuse to remove the charges. They promise to call back and do not call back. I sent them a registered letter on XX/XX/2022 requesting the charges be removed and a new corrected statement be sent, but have had no formal response from them. The 30 days are now up. 

I have not paid for these charges because they are not mine. 

Clearly printed on the back of their statement is the USAA XXXX Liability Policy stating that I am not liable for Unauthorized Use of my card. They are not honoring this and I have followed their protocol. 

Please contact them to resolve this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a letter from Capital One that states that they are reporting a specific name and address to my credit file in regards to an account on my credit file and XXXX verifies this account as accurate. I have disputed the accuracy of this information numerous times stating that this account does not belong to me and must be removed from my account. It has been removed from my XXXX and XXXX accounts because it does not belong to me upon checking and verifying my personal information with XXXX, the information that Capital One is reporting does not exist on my credit file. How is this account accurate if the information that the creditor is reporting does not belong to me? XXXX is either lying about this account or not conducting thorough investigations. According to Fair Credit Reporting Act 611 ( a ) ( 5 ) ( A ) ( i ) if during a reinvestigation there is information that is deemed to be inaccurate after prior investigations claim that it is inaccurate, this information must be promptly removed. XXXX has continuously verified this account as belonging to me yet the creditor is reporting information to my credit file that does not belong to me and does not exist. This is a clear violation of my federally protected rights as a consumer and this account must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells fargo bank XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX.This company pulled my credit report on XX/XX/2022 wituout my authorization.They told me contact credit bureau XXXX To delete the inquiry.

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 2022-10-06 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: MI

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 USC 1681. 

Account name- XXXX XXXX Account # - XXXX Account name- XXXX XXXX Account # - XXXX Account name- XXXX Account # - XXXX Account name-XXXX Account # - XXXX Account name- XXXX Account # - XXXX Account name- XXXX Account- XXXX Account name- XXXX Account # - XXXX Account name- XXXX Account # - XXXX Account name- XXXX XXXX Account # - XXXX Account name- XXXX XXXXXXXX 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name- XXXX XXXX Account # - XXXX Account name- XXXX XXXX  Account # - XXXX Account name- XXXX  Account # - XXXX  Account name-XXXX  Account # - XXXX Account name- XXXX Account # - XXXX Account name- XXXX  Account- XXXX Account name- XXXX Account # - XXXX Account name- XXXX Account # - XXXX Account name- XXXX XXXX Account # - XXXX Account name- 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/22 two cashiers checks were mailed on my behalf from XXXX XXXX XXXX to Capital One Bank to pay off an outstanding credit card debt. I was provided tracking information from the sender and a tentative deliver of XX/XX/22. I was alerted by XXXX XXXX XXXX XXXX that the delivery was made to the Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/22 at XXXX. The document was picked up by an individual. I called into customer service an hour later verifying receipt of that check and inquiring when payment would post. I was advised it may be the next day but as of yet there is no record of the check. I again called XX/XX/22 and received the same message that the next day ( XX/XX/22 ) the check may post as of now there is no record and to check back again. Being that the matter is sensitive in itself ( cash ) and time is not on my side, I need to see these funds are posted and the debts are cleared, not having a check sitting on an employees desk. Im very concerned

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient did not inform me about how I would need to consolidate through department of education directly for XXXXXXXX XXXX I was under the impression that Navient WAS an official department of education loan holder which would qualify me. They knew I was interested in XXXX and even asked if I worked for nonprofit for full forgiveness ( I havent ) but never offered to tell me how to become eligible for the XXXX. This is not the first time they have left me intentionally uneducated through omission of information. In years prior they didnt tell me about XXXX telling me instead that my only option was forbearance allowing themselves to profit off my ignorance for YEARS. Now they are telling me that the deadline to consolidate was XX/XX/22 through the department of education in order to qualify for XXXX XXXX which has conveniently passed. This is so unfair and wrong. They should be forthcoming about qualifying but thats never been in there self interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: AR

Complaint narrative:
Letters with certified return receipts with sent on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had an account with Wells Fargo for over 5 years. 
I opened several business accounts as well. 

however, The issue we're encountering is that in XXXXXXXX XXXX XXXX Wells Fargo sent me notice that some of the payments I received from our clients were being held. Subsequently, they were going to close the account and I was told to pursue the funds that were pending with the clients. 

There are a total of 20-Clientes pending at XXXX per check. 
The account was closed with over XXXX in the account and the rest was NOT sent to the clients nor did we get the payments either. 

Furthermore, we had XXXX in the personal account, XXXX in another business account, and XXXX in another business account. 

Wells Fargo closed the accounts, charged me fees, and then send me a check for XXXX from the savings account I had with them. 

When I tried to work it out with the bank, they indicated to me that I needed to speak to the branch. The branch at the time was closed due to COVID and the new manager at a different branch was not able to assist me other than sending my documentation to the fraud teams. Nothing has been done.

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 2022-10-06 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: WI

Complaint narrative:
Trans Union allowed a hard inquiry from some XXXX XXXX thing even tho my report is frozen

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 2022-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
I get daily collection calls from CBE Group. They call from different numbers, therefore I am unable to block them. 
I have been documenting the calls for a few days : XXXX. XX/XX/22. XXXXXXXX XXXX. 
XXXX. XX/XX/22. XXXX XXXX 
XXXX. XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NJ

Complaint narrative:
My doctor sent a collection notice for an unpaid bill to Remex : https : //www.remexinc.com/. The collection is for {$250.00} which is correct. When I logged in to Remex site ( https : //www.clientaccessweb.com/Remex/payments/Main/Accounts/ ) to make a payment, I see a balance of {$1200.00} ). When I click on the details I see that they are showing two accounts -- one that belongs to me and one that belongs to a complete stranger : XXXX XXXX. I complained to Remex ( XXXX XXXX ) and they said that they are looking into it but would not provide any details on what went wrong. I am afraid that my data is similarly showing up somewhere else. I think this company has a serious security issue and is exposing client data. Please investigate ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXXXXXX XXXX is furnishing and reporting information on my Experian consumer credit report stating that the account is a charge off. Federal law finds that the informed use of credit results from an awareness of the cost to the consumer. This account MUST be removed due to my uninformed decision when I entered this consumer credit transaction. The only evidence of indebtedness is the agreement but that agreement is NULL and VOID because I made an uninformed decision and did not understand the meaning for it was not clear and conspicuous. Promptly remove this account from my consumer credit report as you are required by Federal law to do so.

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 2022-10-06 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: NC

Complaint narrative:
XXXX XXXX XXXX as a US Department of HHS covered entity improperly shared information with a third party about my medical/dental debt and services to ( XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX  XXXX notice to customers is attached. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and has not been validated nor the original contract provided legally without violating XXXX. My previous disputes with the XXXX ( XXXX, Equifax, and XXXX ) have been ignored to date. 

Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting the continued unlawful reporting of private consumer information. 

The account has not been validated after request and no XXXX release has been provided to me for any of the medical debt and reporting of dental services. The XXXX privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. XXXX XXXX the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of XXXX, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( XXXX ). 

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of title 15, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, XXXX said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: KP ASSET CONSULTING LLC
State: FL

Complaint narrative:
Someone had took out a payday loan with my name and social security number and I was not aware. Months later I kept receiving phone calls daily. About 10 phone calls throughout the day and at night trying to scare me into paying money that I do not owe. KP consulting has threatened me with legal action and having someone show up at my home and workplace to have me sign some sort of legal document. I do not know who they are. They have reached out to my mother in law my sister in law my wife and tried calling my mother who lives in a different state. I want the harrassment to stop.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-06 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: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX placed a missed payment negative history on my account. I do not currently do business with this company and do not have any missed payments. The account was opened in XXXX and was closed in XXXX. All offers iade to resolve the account were refused. They just popped it on my credit report without any reason or basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: IL

Complaint narrative:
I AM IN NEED OF YOUR ASSISTANCE TO COMPEL CORELOGIC/CREDCO TO COMPLY WITH THE FCRA AND THE STATE OF ILLINOIS LAWS ( THE STATE IN WHICH I RESIDE XXXX XXXX. XXXX XXXX. XXXX ). 

THIS WILL ASSURE ME THAT COMPANIES SUCH AS CORELOGIC/CREDCO WHO OPENLY ADMIT THAT THEY ARE RESELLERS OF CONSUMER REPORTS WHO SHARE OR GIVE OUT INFORMATION WITHOUT THE CONSUMERS AUTHORIZATION, BE STOPPED. 

I HAVE RECENTLY SENT A LETTER REQUESTING AN IMMEDIATE FREEZE BE PLACED ON MY CORELOGIC/CREDCO REPORTS. ( SEE EXHIBIT 1 LETTER ORIGINALLY SENT TO CORELOGIC/CREDCO ) ALSO ENCLOSED WITH THE LETTER WAS MY SOCIAL SECURITY NUMBER, COPY OF DRIVERS LICENSE AND A COPY OF RECENT BILL FOR PROOF OF ADDRESS. 

CORELOGICS XXXX RESPONSE WAS ; TO DEFLECT BY ASKING ME TO CONTACT THE THREE MAJOR CREDIT BUREAUS, RATHER THAN COMPLYING WITH THE WELL SETTLED LAWS THAT WERE AFOREMENTIONED, AND PLACING A SECURITY FREEZE ON MY INFORMATION IN WHICH THEY HOLD. 

THEREFORE, I AM ASKING CFPB TO COMPEL CORELOGIC/CREDCO TO IMMEDIATELY FOLLOW THE LAWS AND TO STOP VIOLATING MY RIGHTS, OUTLINED BOTH BY THE FCRA AND THE STATE OF ILLINOIS IN WHICH I RESIDE. 


EXHIBIT 1 LETTER SENT TO CORELOGIC/CREDCO EXHIBIT 2 CORELOGIC/CREDCOS RESPONSE

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 2022-10-06 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: MS

Complaint narrative:
Experian has not in compliance with CFPB because after numerous times of disputing an account on my report the have yet to correct the problem. My XXXX XXXX account is showing 60 days on Experian but XXXX and XXXX both show it as paid as agreed. DATES OPEN do not match, Account details do not match, High credit does not match, Credit limit doesn't not match, Payment status does not match, Last reported does not match, Date of last activity does not match, Date of last payment does not match. Also the comments definitely do not match. XXXX has dispute resolved reported by grantor. XXXX has closed or paid, XXXX balance, account closed by grantor. EXPERIAN has dispute resolved reported by subscriber. How can this be true when 2 other bureaus have it closed and paid as agreed by the grantor. I count 9 violations in total. 9x {$1000.00} = {$9000.00} that should be paid to me as a result of uncorrect information on my credit report. 

15 U.S.C 1681 SECTION 604 A SECTION 2 clearly states a consumer reporting agency can not furnish a account without my written consent.

I clearly didn't give them consent to report this account and nevertheless inaccurately.

15 U.S.C 1681 SECTION 602 A states that I have the right to privacy as well.

This is clearly an invasion of my privacy. It is also hurting me financially.

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 2022-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have attached a copy of a screenshot showing Ally advertising the interest rate being 2.25 % when you can see that it is actually 2.225 %. This is a small part of a big problem at Ally Bank. A 5-minute wait is too long ; never mind the XXXX minutes I wasted waiting on XX/XX/22 to speak to an agent.

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