vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 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: OH

Complaint narrative:
Please do not mark this issue as a duplicate. There have been updates to my report so this complaint is based on the updates, so it is an entirely new complaint. 

It looks like we are making progress because now XXXX at least corrected how they were marking my account as delinquent for the time period before receiving the invoice! They also finally applied a payment to my account. The problem is that there are still negative remarks that do not apply. Please see attached documentation and do not simply take XXXX 's testimony as fact- they have a documented history of making false remarks on consumer credit reports.

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 2023-03-08 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: OH

Complaint narrative:
Please do not mark this issue as a duplicate. There have been updates to my report so this complaint is based on the updates, so it is an entirely new complaint. 

It looks like we are making progress because now XXXX at least corrected how they were marking my account as delinquent for the time period before receiving the invoice! They also finally applied a payment to my account. The problem is that there are still negative remarks that do not apply. Please see attached documentation and do not simply take XXXX 's testimony as fact- they have a documented history of making false remarks on consumer credit reports.

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 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
Receive debt collection letters stating they are collection XXXX XXXX XXXX XXXX XXXX XXXX violations, when I log into my XXXX account it shows I have NO toll violations on record and did not have any in the past. ( clean account ) So there are official letters from " state road and toll '' I have tossed out in the past knowing they were scams and then now they are eleveting it to more official debt collection companies that claimed I didn't pay. I have written to the company and mailed back their paper bill and said I know it is a scam and that I do not owe any tolls, but the letters come from various companies. ( sold the debt to collectors ). I will scan and attach the latest one. I often wonder how many people think their teen drivers or spouse violated the toll violations and paid these people without thinking! I have decided to report this so others will stop and think and not fall for this. Numerous complaints online. People are being frauded thinking they have a debt owed which is false. See 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 2023-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a long time XXXX XXXX Money Market Account holder. Rather than increase the yield on this account as capital one has done in the past ( current APY 0.8 % ), they rolled out a " new '' account performance 360 ( currently offering 3.40 % APY ), and did not adequately inform me of the differences and/or automatically upgrade my account to the new preferred rate. Either Capital One intentionally deceived a long term customer or was incompetent in there communications to the customers. A 2.6 % percent spread on ~ {$250000.00} is real money and their only recourse was to tell me to open the new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: NJ

Complaint narrative:
TransUnion is showing an account on my consumer report that is a result of alleged identity theft. I did not benefit from the transactions. I have sent TransUnion written correspondence which included my proof of identity, an identity report, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. Also, I have sent a copy from the small claims court in NJ that the account does not belong to me.

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 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
My original loan was taken over by New Rez in XXXX and since then my interests has been some years going up others going down. I have a fixed rate mortgage until XXXX so to my knowledge the amount going to interest should reduce each year and the amount going to principal should increase. I shall list my issues I contacted New Rez by phone, email and mail back in XXXX and now I am doing the same in XXXX. I will make a graph showing what I think are discrepancies. 

Interest charged XXXX XXXX {$1800.00} New Rez XXXX Total {$7500.00} XXXX New Rez XXXX {$440.00} more than XXXX XXXX New Rez XXXX {$1300.00} less than XXXX XXXX New Rez XXXX {$1000.00} more than XXXX I do not understand why my interest would increase one year decrease the next. I obtained this information from the tax form New Rez sends out each year. I thank you in advance for your help.

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 2023-03-08 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: MA

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-03-08 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: MA

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I am writing to dispute the accuracy of an account on my credit report that is being reported by TransUnion. The account in question is { XXXX, } which is being reported as collection. I believe this account is inaccurate and request that TransUnion investigate the account to ensure that it is being reported correctly. I also request that TransUnion provide me with validation of the account in question, including but not limited to : * The name and address of the original creditor * The original account number * The date the account was opened and closed, if applicable * The total amount owed on the account * The dates and amounts of all payments made on the account If TransUnion is unable to provide validation of the account, or if the account is found to be inaccurate, I request that TransUnion remove the account from my credit report. * Enclosed with this letter, please find a copy of my credit report highlighting the account in question. 
* Thank you for your attention to this matter. * Sincerely, * 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 2023-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fradkin & Weber PA
State: MD

Complaint narrative:
Fradkin and Weber is attempting to serve a Writ of Garnishment of Wages to my Employer for a debt that was incurred in XXXX  and I never received notice. I contacted their firm and spoke to XXXX XXXX to advise him I was never served with documentation of the debt. He then advised the process server served my neighbor in the building beside me who I don't know with the summons and complaint. Also, the address on XXXX  Case Search is a address where I never resided. A judgment was wrongfully entered entered against me on XXXX because service was not property effectuated. He also advised the balance {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-03-08 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: NY

Complaint narrative:
I've been sending out disputes since XX/XX/2023 and they won't open none of my disputes. Sent one for XX/XX/2023 and XX/XX/2023 and no investigation is started yet.

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 2023-03-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom it may concern, I am filing this complaint in reference to unauthorized withdrawals from my checking account. On XXXX XXXX I was charged by XXXX for three separate amounts.The first charged was at XXXX XXXX for the amount of {$44.00}, the second charge was at XXXX XXXX  for {$100.00} and the third was at XXXX XXXX  for {$74.00}. All of these charges are made in the state of California. I live in New York and can provide additional proof that I was not in California. The total amount of unauthorized withdrawals is {$210.00}. I immediately contacted my bank and canceled my debit card that was used for these transactions. I spoke to a representative and he was of no help. He said that they had to " investigate '' and will get back to me. A few days later the bank did reimburse me for the total amount. However, just this week they took the money back. I did contact XXXX to also dispute the charges. 

Unfortunately, this is not the first time there has been an issue with my bank, My husband and I are in the process of switching over to another bank. Our account has now been overdrawn. It is completely unacceptable and unfair. I can provide additional information if needed. 

Thank you!

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 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I sent my roommate rent on Venmo for {$1400.00}. Unfortunately, I was scammed trying to sell a bedframe and later that day I requested to have the {$1400.00} sent back to me until I had the funds since my account went to the negatives. My roommate sent XXXX payments back to me, on XX/XX/XXXX for {$250.00}, and on XX/XX/XXXX for {$1200.00} totaling the {$1400.00}. 

On XX/XX/XXXX, I sent my roommate back {$1000.00} to cover rent and I ended up paying the other {$400.00} in cash to him. 

Venmo is saying I owe them {$1400.00} since they covered the {$1400.00} sent to my roommate on the XXXX when my account did not have the funds. However, my roommate did not keep the money he sent the {$1400.00} back. On the XXXX when I sent the {$1000.00} venmo acknowledged I had the funds and it was debited from my account. Therefore, if the {$1000.00} that I paid for rent was taken from my account, why would I suddenly owe an additional {$1400.00} for rent again and not just {$400.00} if anything? Since the {$1000.00} Should have and would have been applied to the original {$1400.00} I sent. 

I understand the funds were sent from venmo when I did not have the sufficient funds. However, the money was sent back to my account and they debited it before I had it. I pay {$1400.00} for rent, they debited {$1000.00} for that month for my rent and acknowledged it went through. I can not afford to pay the equivalent of 2 months rent because Venmo thinks I owe them {$1400.00}. 

Therefore, to summarize : {$1400.00} was sent to my roommate, and that same day that same {$1400.00} was sent back meaning my roommate that day received {$0.00}. Venmo claims they sent my roommate the {$1400.00} and that I must pay them back because he has it. 5 days later, {$1000.00} was sent back to my roommate to cover rent, why not take that {$1000.00} as part of the debt they claim I have? By venmo asking for a payment of {$1400.00} that would literally be stealing my money as {$1000.00} was already sent back and covered. However, I do not owe them anything BECAUSE MY ROOMATE SENT IT BACK THAT SAME DAY MEANING HE NEVER HAD THEIR {$1400.00} THEY CLAIM TO HAVE. 

Please help I am desperate at this point as I can not afford to pay a debt that I DO NOT OWE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: MN

Complaint narrative:
Medcredit it called a week ago for a debt for XXXX XXXX XXXX. I have never heard of XXXX XXXX XXXX so I XXXX several version. Nothing in my state or area. Mostly in XXXX and nothing familiar to me. I called the number and told them I did not know XXXX XXXX XXXX. She said thank you and hung up. Odd I thought. 
Received another call - Came in with no caller ID, no number. Left similar automated message. I called back. Gave them my name and phone number. They started to ask for personal data. Address, date of birth... I said I was not comfortable supplying personal data and please let me know the location of XXXX XXXX XXXX because I have received nothing from them, no them or received anything from MediCredit. She refused to share any of that data without my personal data. I explained I do not know you, no caller ID and you could be anyone. Now I am calling them back with XXXX details from the phone they called. Seems that is all they should need. She refused to give me any further information. I again explained, I want to clear this matter up. She refused my request without giving them personal data. She refused to give me the business address, just a billinb address. I am stuck here with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under anon end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase system is not in sync items are on the online banking but not the mobile banking application doesn't show the items.You can't determine if the items were paid and in results the merchant charges fees base on misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX computer system inaccurately reported a " XXXX XXXX XXXX '' for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it to be corrected as he agrees it was NEVER late! XXXX  XXXX has uploaded the corrected information TWICE asking Experian to correct the error of XXXX XXXX XXXX. This process started XXXX XXXX XXXX ... ... ... ... XXXX Tuesday, XX/XX/23 I receive email ; from Experian saying my dispute has been updated, only to see that they ( Experian ) only updated the outstanding loan balance and did not correct the XXXX XXXX late. I've called weekly only to be told to wait XXXX XXXX ... .here we are, XXXX XXXX later, still not corrected. I filed a " SECOND DISPUTE '' inorder to correct the first dispute and to call Experian only to get the runaround. My lender is more than willing to talk to anyone to get this corrected, XXXX a very large line of credit with an XXXX lender and if they see this inaccuracy, I XXXX be out of a lender and out of business, HELP!!! Call me, email me, I need help to get this done. I asked to speak with an Experian supervisor, after XXXX minutes I was transferred, then call disconnected, accomplishing nothing!!!! I'd love to sue them, if I was an attorney. Thank you for your time. 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 explanation
Consumer complaint received 2023-03-08 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: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On Sat. XX/XX/2023, I charged my PNC debit card {$41.00} at the business XXXX XXXX in XXXX, PA. This charge was correctly applied to my PNC checking account on Mon. XX/XX/2023. On XXXX XX/XX/2023, an additional fraudulent charge from the business of {$40.00} appeared in my PNC checking account. After contacting PNC Bank four times total on XX/XX/2023 and XX/XX/2023, they repeatedly refused to allow me to dispute this fraudulent charge and threatened to terminate my checking account. PNC is also charging me overdraft fees on this fraudulent charge to which I did not consent. If the fraudulent charge was not applied to my account, I would not have been overdrafted, and this PNC error is creating significant financial distress.

Company response to consumer: Closed with explanation