vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: DISCOVER BANK
State: FL

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # 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 2022-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One issued a credit card under my SS # on XX/XX/15. I would have been XXXX-years old at the time. I did not apply for this card and was not even old enough to legally have a credit card. Capital One did not perform their due diligence when approving this card. Capital One then sold the debt to XXXX XXXX XXXX. I have contacted them on 2 occasions to file a dispute and advised them of my birthday and the situation. All they keep doing is responding by providing me with the account information from Capital One as the seller. This is not a valid debt. This all started due to the negligence of Capital One. They will not help since the sold the debt and XXXX XXXX XXXX is ignoring the fact that I was XXXX-years old when the card was taken out. They even confirmed with me that the date of birth on the account was not mine. This needs to be resolved and has been going on for months. All they have to do is match up my social with my birthday and they can see that I can not possibly be legally liable for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 US Department of EDU # XXXX US Department of EDU # XXXX DPT EDXXXX # XXXX EDFIN/XXXX # 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 non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: DC

Complaint narrative:
This compliant is on Netspend deliberate failure to apply advertise interes rate ( refer to Addition 2, 3.02 %, 4.91 %, .49 %, Addition 3, 12.37 %, Addition 4, 5.00 % to .72 %, Addition 5, 5.02 %, 4.91 %, .49 % ) apply applicable amounts on interes, concealment and false advertisement. Netspend advertise even as of XX/XX/XXXX that is Savings Account Interes rate is 4.91 % with and APY 5.00 % on balance under {$1000.00}, and .49 %, APY .50 % on balance exceeding {$1000.00}. That APY would range from 5.00 % to 0.72 % ( refer to Addition 4 ) depending on the balance on Saving Account, In addition Claimant account receved 12.37 % Annually on balance {$1000.00} and above, Refer to Addition 3. Even after applying Netspend fluctuating rate into calculation .502 %, XX/XX/XXXX to .302 % XX/XX/XXXX Netspend amounts applied {$2.00} to {$9.00} is not only not suitable payments it is far below applicable amount base on compound yielding formula. Formula on calculating daily/monthly/quarterly interes is simply divide the daily/monthly/quarterly interes rate by 12 months. The total number of periods is calculated by multiplying the number of APY by 12 months since the interes is compounding monthly. Another Netspend contradiction is yield computation is on 2 % ( {$1500.00} ) purchase Claimant got reimburse {$31.00} ( XXXX ), at another purchase 10 % ( {$27.00} ) Claimant got reimburse {$2.00}, ( BOA ) and on another got reimburse {$15.00} ( XXXX ) on {$1400.00} purchases calculated at .01 % ( {$1300.00} ) and .02 ( {$110.00} ) So on deposit balance {$5100.00} that is 3.26 times more than {$1500.00} and 3.5 time more than {$1400.00} how can {$5100.00} balance in three months attract only {$17.00} ( even at adding recent courtesy offer XX/XX/XXXX {$50.00}, sum {$67.00} ) Addition 1, and {$1500.00} and {$1400.00} within a month attract {$31.00} and {$15.00}. Complainant is asking {>= $1,000,000} from Netspend based on not adequate notice, not due concealment, value to time, not applying applicable formula, fiduciary breach and trend found to not suitable interes payments ranging from {$2.00} to {$9.00}, XX/XX/XXXX to XXXX, XXXX. That even after Netspend XXXX XXXX, affirm 12.37 % annual credits, XXXX processed {$990.00} on the annual credit, XXXX send the notice on 12.37 % annual credit and XXXX affirm calculation on applicable formula tabulation these later NETSPEND employees including XXXX that recently offer courtesy {$50.00} and argued afterwards, XXXX and XXXX XXXX argument to the contrary on what was already agreed and advertise comes out deliberate and complete violation to FCC Truth to Advertisement Clause.

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 2022-06-16 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: Express Recovery Services, Inc.
State: FL

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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:
Account Name : Fair Collections And Out Account Number : XXXX In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-06-16 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: CA

Complaint narrative:
I have recently been a victim of identity theft and have been trying to fight it since. Someone, I don't know who, stole my personal information and used it to open a line of credit with a credit grantor. I don't know how this thief got ahold of my personal information but I have not given my information out to anybody nor have I authorized anybody to open it for me. The account opened by the thief is called " XXXX '' The day it was opened was XX/XX/2020 and the Balance is {$0.00}. I have tried to get this account blocked and deleted off my personal credit report as advised by the credit grantor due to my situation and I've has no luck. I am neglected even though I studied my rights and have provided all the valid documents as stated by the Fair Credit Reporting Act.

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 2022-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZenResolve, LLC
State: CA

Complaint narrative:
I have received notices that I owe money to a company called XXXX which hired a company called ZenResolve to collect {$1600.00}. They don't have my birthdate but somehow they have my social security. I am unfamiliar with this company. They don't have any contracts or statements to accurately reflect that any monies were taken. Again, I don't recognize this company and they reference a bank account with XXXX XXXX that I don't have. In fact, I don't have a XXXX XXXX account. 

I am trying to get this debt discharged and make sure it doesnt affect my credit.

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 2022-06-16 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: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act 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 2022-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit Payments have not yet updated, although payments were made. Made payments to two of my Capital One cards, received confirmation of payment from one of my XXXX XXXX accounts, some of my Capital One Bank Cards, and one of my XXXX XXXX XXXX XXXX XXXX, but it didn't update the credit when payment made as was with XXXX XXXX XXXX accounts made in similar time frame. All payments made at similar time, and in a similar way before any deadline, and want to ensure properly credited on day payment made. What is the issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX PM - I received an email stating : " We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. Here 's what you need to do : Call us immediately at XXXX ( TDD XXXX ) to discuss your account. Our 100 % XXXX-based customer service team is available 24 hours a day, 7 days a week. '' XXXX XXXX AM - I call XXXX in regard to losing access to my online account, after holding for 15 minutes. 

XXXX XXXX AM - I call XXXX in regard to losing access to my online account, and after being on hold for 1 hour and 21 minutes, I hang up, as the wait time was much longer than expected, and I plan on calling back at a later time. 

XXXX XXXX PM - I call XXXX in regard to losing access to my online account, but my phone glitches. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call the alternative number listed in the email, XXXX, being put on hold for 3 hours and 13 minutes, then I am hung up on. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call the alternative number listed in the email, XXXX, being put on hold for 30 minutes, speak to a representative, and am told that the line is only for credit card issues, and that I should call XXXX. 

XXXX XXXX PM- I call XXXX, expressing the urgency of not having access to my primary bank account for three days now, am denied a request to speak to a supervisor, and am told my only option is to call the number I've been attempting to call the past three days, but have received no response from. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I hold for 27 minutes, and decide to call again at a later time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
On XX/XX/2022 called the attorney office Johnson Mark LLC from Utah, collecting for XXXX XXXX XXXXXXXX XXXX XXXX , that had my collection account to negotiate the debt, after negotiations we agreed to the amount {$2500.00} and the took from my account a higher amount without my authorization, {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
15usc1681 section 602a and 15usc1681 section 604a. I would like NCB Management Services deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Account Name XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act 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 2022-06-16 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: TX

Complaint narrative:
I have sent this company several disputes to this company over the last year and they have not the any work on my credit file, they only come back with computer generated answers instead of investigating the information that I have ask to be asked to investigate. Also Transunion is stating I am using a third party to dispute my credit which is not true. I have taken to time to look over my credit report and mail off letters and Transunion is refusing to investigate my disputes. I last mailed in a disputed on XX/XX/2022 and get a letter dated XX/XX/2022, saying I didn't send proper documentation. I sent proof of identity many times I keep getting the same response complete that was very fast and I see they DID NOT INVESTIGATE any items I disputed I am working hard to insure the accuracy of my credit report and they refused to do their job. And the third party company XXXX that Transunion purchase information from, has informed me that they do not have any information in their system regarding a bankruptcy. I have attached the dispute and proof of delivery they recieve my dispute the letter that I received today XX/XX/2022.

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 2022-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of fraudulent wire transfer on XX/XX/2022. The funds were transferred from BofA ( personal account ) to a fraudulent XXXX XXXX  account. The following day ( XX/XX/2022 ), the fraudulent activity was realized and appropriate actions were taken to retrieve the funds from BofA. A fraud claim was submitted with BofA and BofA contacted XXXX XXXX  to recall the wire transfer shortly after. Since then, the update in regards to the case has been minimal at best. BofA Analyst that handled my claim has yet to contact me when request was made multiple times. I, then, requested a call from a BofA supervisor to contact me, and that has yet to happen either. I have contact XXXX XXXX  multiple times and they can not give me any information as well. I feel my case has been stagnant and minimal effort is being placed to retrieve my funds. When I call the BofA Fraud department, I am always told that a request has been made to XXXX XXXX  to retrieve the funds but no other update can be provided. This is very frustrating as my life is, in essence, put on hold until this can be resolved. I feel the customer service provided from BofA is poor, at best. Your assistance in motivating BofA to resolve this matter would be much appreciated.

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 2022-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found 30 day late payments reported for XXXX, XXXX and XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach 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 explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.

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 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.

Company response to consumer: Closed with explanation