vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
ON XX/XX/2022 AT XXXX I SPOKE WITH A BULL CITY SOLUTIONS REPRESENTATIVE NAMED " XXXX XXXX '' I EXPLAINED THAT XXXX XXXX POSTED DUPLCATED ACCOUNTS ON MY CONUMER REPORT THAT REFLECTS NEGATIVELY ON MY CONSUMER REPORT. AS A RESULT, I HAVE DISPUTED THE ITEMS CONSIDERING THE 9 YEARS THE ACCOUNTS WERE LISTED ON MY CONSUMER REPORT WITHOUT MY KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: PA

Complaint narrative:
I was overlooking my credit score and noticed that someone was using my information to open up fraudulent accounts. This was not me and i never gave any permission or authorization to use my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: PA

Complaint narrative:
I was overlooking my credit score and noticed that someone was using my information to open up fraudulent accounts. This was not me and i never gave any permission or authorization to use my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I didn't receive any statements for this company and when I asked what the amount was of the late fee, the person said {$42.00}. I spent {$21.00} in the store and the amount was {$82.00}. I've been sick and the person speaking would not give me a courtesy fee break. I asked her on XX/XX/22 to let me pay online. She did not hear me and in that and in a second phone random pushy call was barking like a XXXX at XXXX. I'm never buying your underwear again so have fun with your extra {$20.00} that I should not even owe considering I've been sick. We are in a pandemic, no? I could have been a long-term customer since I have good credit and my average card I keep for about seven to eight years. I've been with one card 20 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
the account wasn't already charge off the sold it to another company and increase the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
To whom it may concern, Greetings my name is XXXX XXXX and my husband and I bought our XXXX home about XXXX years ago. We have been having problems with flagstar because we have been having a escrow shortage every year and the payments have been the same for the time us being here. I protest my taxes every year and show a homestead exemption that will give me a discount on my taxes every year! Numbers are still incorrect on my escrow analysis and I also had tax collectors call me that they have not been paid yet when flagstar Bank claim they have paid out and they also do work with a third party to send form of payment it is my 2 years im going through this! Please help me correct my numbers on my mortgage account they do not seem to want to corporate and I do not want to loose my home I am up to date have not missed a payment! There is some weird activity that I don't understand and need a professional to help me. I am trying to work with a broker to refinance but I need my escrow analysis to be correct especially if I have not had my homestead applied to our account. I think they are over charging me and the numbers are getting worse and worse... 
Thankyou 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 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
The XXXX and XXXX credit cards charge the amounts of the last statement balance minus any credit that occurs after closing the statement, when auto payment is made. Capital One bank also did the same during the XXXX years. However, after 2017, Capital One collects the entire amount of the last balance ignoring the credits after closing the closing statement. Let us say that my wife buys {$50.00} merchandise from XXXX and charge it to Capital One Card before the closing date. That is included in the statement. Fine. But, she does not like the dress worth $ 35+tax and returns two days later, that occurs after the closing date. XXXX gives the credit and returns the cash back to the credit card. So, Capital One gets the money. However, when the auto payment comes some 23 days later, the bank collects this money also. The credit will appear only in the next month 's bill. That is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
SLS Mortgage put our Mortgage onto Forbearance with out us asking, they took the liberty of changing my terms without permission. I contacted them several times got nowhere. Our account was on EFT XX/XX/2020 payment was taken then towards the end of XXXX I noticed that no payment was taken.I called them to find out whats going on and they told me to email them a note explaining what happened and it would be fixed, it wasnt.after several calls I filed a complaint with the AGs office and got nowhere again.The rep asked me when I CALLED her if I had made the XX/XX/2020 payment I didnt know what she was talking about so she told me about a letter sent from SLS that on XX/XX/2020 I was to resume payments as if nothing happened. I NEVER GOT THAT LETTER, so i asked her to forward it to me Now this is the end of XXXX at that time SLS wouldnt honor their letter sent .This is so frustrating as this is my family home my children ( who we still have to support ) are the 4th generation to grow up here.This house has HUGE sentimental meaning to me.I am a XXXX survivor and 6 weeks of XXXX XXXXXXXX and 2 weeks of XXXX, destroyed my insides, I unfortunately suffer with severe XXXX issues, I am now dealing with a spot on my XXXX, and Large XXXX Stones I am in bed 95 % of the day everyday as i am riddled with pain I have severe XXXX and XXXX XXXXXXXX in both hands I cant use them at all, I need to have surgery on both hands but with Covid around Im on the backburner! I unfortunately collect Medial XXXX I can not deal with this SLS committing FRAUD! PLEASE 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 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Incorrect accounts and inquiries were attributed to my file that i have No knowledge of nor benefited in any way

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 2022-01-17 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: CITIBANK, N.A.
State: TX

Complaint narrative:
CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for CITI CARDS to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).

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 2022-01-17 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for GOLDMAN SACHS BANK to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
1- On XXXX XXXX I sent a payment from my checking account to pay my XXXX bill for {$1000.00}. 
2- I made the mistake of sending this payment to the wrong account. XXXX Use to have AMERICAN EXPRESS few years back but now they use XXXXXXXX XXXX. 
3- I made the mistake of using this old AMERICAN EXPRESS account to sent the {$1000.00} payment. That account number is XXXX XXXX XXXX and conformation # XXXX This number is the confirmation number from my checking account on XXXX XXXX  XXXX XXXX-I called AMERICAN EXPRESS and their short answer is that because they dont handle XXXX accounts anymore that I should call XXXX XXXX to deal with this issue. At one point in my first called they said that they received the money but was in process, then few day later they said that since is a XXXX account they cant access the account and therefore cant do nothing about. 
5- When I call XXXX XXXX they cant find anything since the account number that I give them a reference is an AMERICAN EXPRESS account number and of course they cant find anything and told me that AMERICAN EXPRESS should refund that money. 
6- My bank XXXX  XXXX XXXX generated an e-check to pay the mistake that I made and AMERICAN EXPRESS XXXX according to my my bank, cashed that check. 
7- I did a complaint to my bank and they got the same answer as I did. 
8- Last week on XX/XX/XXXX I went to my back in person y talk to an account manager, they called AMERICAN EXPRESS and he was told that the money was sent to XXXX XXXX XXXX but its been a week and the {$1000.00} had not been posted to my account. 
9- I XXXX  XXXX XXXX AND STILL HAVE TWO ACCOUNTS WITH AMERICAN EXPRESS. 
10- Please if you need more information feel free to contact me XXXX XXXX XXXX XXXX XXXX at my email XXXX PLEASE HELP ME

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX. XXXX, 2022 Good day Sir or Maam hope all is well, The reason for this Is because Ive been having issues with TransUnion they keep reporting back on my credit report a Account that has been Removed by XXXX, due to me Stating that I never knew anything about that account. I spoken to the collection agency and they told me that they werent the ones that report on my credit. I need TransUnion to remove it. Because its fraud I dont recall having a XXXX account.

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 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had a negative PayPal balance due to timing of transactions. I never received notice of the fact it was going to collections. I go to login to PayPal to manage PayPal accounts and was locked out. I called and was notified that my debt was sent to collections. It was not a credit account and my checking account was attached to PayPal. The amount was {$5.00}. I authorized payment and am still locked out for the next 5 days. When I brought up the Fair Debt Collection Act I was ignored. I got no 30 day notice, no letter. I have payments through PayPal due that I can not pay now. The fact that I was locked out of my account prevented me from being able to pay it even if I had known about it. Tactics are questionable and they're in clear violation of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I opened a chime bank account on XX/XX/XXXX and had my checks direct deposited to this account the date of my first direct deposit was XX/XX/XXXX. On XX/XX/XXXX I noticed some charges on my account from XXXX XXXX rental that I did not authorize to be made upon looking the first transaction made on my account was on XX/XX/XXXX at that time I called chime and told them that I did not make the transactions and at the time there was 3 transactions that so between XX/XX/XXXX till XX/XX/XXXX There was a total of 3 transactions that I informed chime about and told them that theses charges are unauthorized and I didn't approve any charges by this company so they filed a dispute on my behalf due to this and explained to me what needed to be done to get my money back and I thought that was the end of it. How ever it was not a few days passed as I'm waiting on the dispute to be completed and the funds to be placed back on my account only to be told the investigation discovered no error so I'm checking my app and I see that my account witch should have had a balance of around {$10.00} was actually- {$49.00} and I made no transactions so I'm looking and I see that the same scooter rental company processed several more transaction on my account even after I called on XX/XX/XXXX to report the unauthorized charges there was an additional 15 charges since XXXX that was processed by the same company I reported with chime so I opened a new dispute for all the transactions again only for chime to tell me there's no error they found with these charges I have been on the phone with chime for hrs and hrs at a time trying to fix this and they have done nothing at all to fix this problem I have had to still pay over draft fees each time my check is deposited to them even thought my account should have never been overdrawn in the fist place But because chime never stopped the transactions after I called in on XX/XX/XXXX I'm still being charged I finally was informed that I need a new card witch should have been done when I called in on the XXXX but for whatever reason was not done but my account is again at a - {$40.00} bal and I'm not paying it I have canceled direct deposit due to this issue I have called and called and called chime to figure out how they could fix this issues and to get my money back but they have refused to provide any solution to my problem and they will not replace the money that was not supposed to be withdrawn from my account I have threatened legal action I have asked for supervisors I have done everything I can to work with chime on my account to get this issue resolved and they have done nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I called Transunion back in XXXX of 2021 and spoke to a rep about unauthorized hard inquiries and they asked me to submit an identity theft report which I did. The Transunion rep also told me attach the identity theft report to a dispute letter, a copy of my ID, a copy of my Social Security Card, a copy of a Current Utility Bill, and to mail these items to their facility at XXXX XXXX XXXX, XXXX, PA XXXX. I did this in XX/XX/XXXX, and XX/XX/XXXX. Transunion has disregarded my disputes, I have not received anything about my disputes in the mail. The other credit reporting agencies removed these fraudulent items because they were fraudulent. EVERYTHING WAS SENT VIA CERTIFIED MAIL.

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 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I already items already deleted off my credit report camelback under a different creditor I would like this removed this is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I found a lien against my house when I did a property search on XXXX last night. I have no knowledge of this lien and had no knowledge of this debt either. The lien was filed in 2018 in the amount of almost XXXX. When I was younger I was very irresponsible with my credit, i didn't pay my bills or credit cards, along with medical bills, they all went unpaid. If this lien has incurred from those debts, I'd assume this is illegal since I've had no notice of this debt in over a decade. No phone calls or letters, no knowledge of a court date. According to ORS XXXX the lien was supposed to be perfected which includes a statement of demand, which I never received. 
I believe ray Klein inc is guilty of violating ORS XXXX of false swearing because the court records for this lien mention the owner of the debt being notified or having knowledge and under the comments the only thing it says is " personal. '' What does that even mean? Someone from ray Klein inc claims they personally notified me of the debt or court notice? I can only guess what any of it means since I wasn't notified nor was I there to defend myself. 
Also in oregon the statue of limitations for debt is SIX YEARS. again I have no knowledge of this debt but I would love to see proof of this debt being as recent as six years ago because I highly doubt that. If this debt is a medical bill which ray Klein inc is known for collecting debt for ( providnece ) then ray Klein inc is guilty of violating ORS XXXX Q- attempts to collect any debt that the collector knows, or after exercising reasonable diligence would know, arises from medical expenses that qualify for reimbursement under the oregon health plan or under XXXX. I have been insured through XXXX for the last six years and it is not possible for me to have any medical debt that has not been paid. 
Another violation.. ORS XXXX files legal action to collect or files a legal action to collect a debt if the debt collector knows, or after exercising reasonable diligence would know that the statue of limitations bars the collection I could go on and on for all the violations this company is guilty of since there are so many laws to protect consumers for this very reason, for businesses like ray Klein inc . I plan to sue this company and hopefully they will be known for the fraud, falsifying, lying dirty rats they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation