vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Let me start by saying I have been a longtime customer of Capital One since they were XXXX XXXX and I was starting my college life. I have never thought about using any other banking institution for my personal or business affairs, until now. 
I have been having a claims dispute with a merchant, The XXXX XXXX, since XX/XX/XXXX. This dispute was due to the merchant charging me twice for 1 massage service at an introductory price of {$56.00}. I paid for the service on XX/XX/XXXX upon scheduling through my XXXX account which is directly connected to my Capital One checking account. On the appointment day, XX/XX/XXXX, I was charged again at point of sale because the young lady said she had no proof in the computer that the service was paid for. After she checked twice, I was confused & gave her my debit card. As soon as I got home I was able to check my bank account to confirm my initial payment. Therefore, I contacted the owner, XXXX, who assured me that she would make the corrections after offering me a credit. I refused the credit and asked for my refund instead. In the meantime, I contacted Capital One to initiate a claim dispute. Claim # XXXX was the number given to me by Capital One. I spoke with a representative in the Claims Dispute Dept, who told me that he saw the 2 separate transactions for the exact same amount of {$56.00}. Of course, I am thinking all of this has been resolved after sending the receipts and emails in to XXXX. 
On XX/XX/XXXX, I received a letter from Capital One stating that my claim has been denied and they are believing the owner of XXXX XXXX XXXX that it was my user error and that is why I was charged twice. How can it be my user error if one charge was via computer on XX/XX/XXXX and the other was on location at point of sale on XX/XX/XXXX??? I have spoken to several representatives in the Claims Dispute Dept. Each person has said something different ( I am sure these calls are recorded ). On XX/XX/XXXX, I spoke to XXXX. On XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX @ XXXX. One of them even implied that the XX/XX/XXXX purchase was for other merchandise, as if I am lying. They are unfairly closing the case and extending the worst customer service ever. I have all the proof of being charged twice. I have even contacted the Capital One corporate office and spoke to their representative, XXXX, to no avail. Please assist and thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: MI

Complaint narrative:
I believe some has been using my information I have no affiliation with XXXX XXXX XXXX XXXX I would like this collection account immediately removed from my profile if someone believes im wrong please provide me with the original documents I gave signed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Last 4 SSN : XXXX The following account was charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX XXXX XXXX Best Regards, 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 2023-03-30 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: CA

Complaint narrative:
There is a XXXX XXXX XXXX credit card ( closed ) showing up on my credit report which is not my account. This account belongs to someone else and it shows be removed from my credit file.

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 2023-03-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Last 4 SSN : XXXX The following account was charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I XXXX XXXX want to dispute this collection on my credit report. I do not owe this company any money. I do not have a contract signed by this company. Just because they buy debts on the secondary market does not mean I owe. I will go to court and tell the judge I dont owe per I dont have a contract signed with collection company. I want collection company to delete the negative account from my credit report per fcra law. If they dont remove Ill have to file a federal law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I sent an Federal Trade Commission identity theft affidavit to Santander Consumer USA in regards to a fraudulent account. The promissory note held by Santander was not signed by me and was not proven to be signed by me. Reporting accounts after receiving proof the account is fraudulent is a violation of 15 USC 1681-c2 ( a ). Santander Consumer USA is also in violation of of 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of anycommunicationeffected by the mails or telegram that indicates that thedebtcollector is in thedebtcollection business or that thecommunicationrelates to the collection of adebt ; by the letter that was sent to me account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XX/XX/2021 XXXXXXXX XXXX  in accordance with the law fair credit reporting act your company has violated my right 15 usc 1681 stated. i have the rigth 15 usc 1681 section 604 A it also stated a consumer reporting agency without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: MA

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.

XXXX  Account # Account number : Account Name : XXXX XXXX XXXX XXXXAccount numberXXXX has violating my rights Account name : XXXX XXXXAccount number:XXXX has violating my rights XXXXAccount number XXXX has violating my rights Account name : XXXX XXXXAccount number : XXXX has violated my right 15 US.6 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 writter 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 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

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 2023-03-30 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: MA

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.

XXXX Account # Account number : Account Name : XXXX XXXX  XXXX XXXXAccount numberXXXX has violating my rights Account name : XXXX XXXXAccount number:XXXX has violating my rights XXXXAccount number XXXX has violating my rights Account name : XXXX XXXXAccount number : XXXX has violated my right 15 US.6 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 writter 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
XXXX has been attempting to collect a debt from me. Over the course of the past 1.5 years, they have used multiple debt collectors, who have all contacted me and all failed to provide me with documentation of my debt. I have been contacted by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and Credence Resource Management , LLC. I have provided written requests to these various debt collectors asking for additional information regarding the debt that XXXX claims that I owe. Credence is the current debt collector that is contacting me ; I have requested additional information from Credence in order to dispute the debt, which Credence has failed to provide ( None of the other debt collectors or XXXX have provided this information either ). Credence has stated that I owe the debt without providing me with appropriate proof in order for me to dispute the claim. The following communications with Credence have occurred : XX/XX/XXXX : I received a letter from Credence in response to a letter I sent to XXXX requesting documentation of my debt ( I assume that my account was moved from XXXX to Credence but am uncertain since I have been contacted by multiple debt collectors regarding the same debt ). Credence provided me with a document for the billing period of XX/XX/XXXX, XXXX XXXX, XXXX. This billing period is six months after I had closed my account with XXXX The document provided does not include any detail on what is being claimed that I owe. For example, the document says there is a previous balance of {$450.00}, which I can not confirm for what. 

XX/XX/XXXX : I sent a letter to Credence requesting that they send me my complete XXXX  billing history from XX/XX/XXXX through XX/XX/XXXX so that I could confirm what XXXX is stating that I owe. These documents are my monthly billing statements that XXXX removed my access to when I closed my account. 

XX/XX/XXXX : Credence sent me a letter without the requested billing history. The letter stated that they received my dispute and verified that the charges are valid. They also sent me a second letter dated that same day for where I could send a payment. 

XX/XX/XXXX : I sent a letter to Credence requesting the same information I had asked for in my XX/XX/XXXX letter. 

XX/XX/XXXX : I received a letter from Credence with the same documentation that they sent in the letter dated XX/XX/XXXX. Again, this documentation does not provide an itemization of the debt that is being claimed that I owe. It states that I have a previous balance of {$450.00}, but I can not verify what that amount is for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/23 I deposited into the Wells Fargo ATM two checks. One was for the amount of {$16.00} and the other for {$260.00}. I inserted them both together and only the {$16.00} was credited to the checking account. I went inside to notify a teller of the mishap, she then gave me a number ( XXXX ) to make a claim for the error. When I returned home I called the said number. I spoke with a XXXX who said that she would put in a research claim and that they would contact me of their findings. I received a letter dated XX/XX/23 saying they're issuing a conditional credit while they research the matter. I saw the {$260.00} my my checking account so I didn't think anymore about it. I received another letter on XX/XX/23 stating that the money would then be taken from my account if I didn't get back with them by XX/XX/23. I had been trying to get a hold of the issuer of the check via phone and email but they weren't responding back to me. When doing my bank statement I noticed the {$260.00} was then deducted from my account. I contacted the claims department on XX/XX/23 and spoke with an XXXX and he didn't have a legitimate answer as to where the check went. How does it just disappear into thin air?

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 2023-03-30 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: GA

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: NV

Complaint narrative:
Cease and Desist wrongdoing conduct, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Notice of Dispute To whom it may concern I am demanding verification of this alleged debt obligation, I have know knowledge of the said accounts. I believe this account is fraudulent. I believe the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in consumer that a person other than the Creditor such consumer is participating in the collection of or in an attempt to collect a debt such consumer owes such creditor, when in fact such person is not so participating. The term Creditor according to 15 1692a ( 4 ) means any person who created the debt I believe my signature on the credit transaction created the debt therefore makes me the original creditor. If XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX believes I am in error I demand verification under penalty of perjury that I am not the original creditor. Lastly XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; andI demand an affidavit signed under penalty of perjury verifying the name and address of the original creditor the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX have a logo affixed to it and that is

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 2023-03-30 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: NV

Complaint narrative:
Cease and Desist wrongdoing conduct, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX Notice of Dispute To whom it may concern I am demanding verification of this alleged debt obligation, I have know knowledge of the said accounts. I believe this account is fraudulent. I believe the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of XXXX5 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in consumer that a person other than the Creditor such consumer is participating in the collection of or in an attempt to collect a debt such consumer owes such creditor, when in fact such person is not so participating. The term Creditor according to 15 1692a ( 4 ) means any person who created the debt I believe my signature on the credit transaction created the debt therefore makes me the original creditor. If XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX believes I am in error I demand verification under penalty of perjury that I am not the original creditor. Lastly XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; andI demand an affidavit signed under penalty of perjury verifying the name and address of the original creditor the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX have a logo affixed to it and that is

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 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I called M & T corporate office on XX/XX/XXXX, & was specifically told by agent my account would not be closed.while dispute is still going on, I went to branch in XXXX to have all appropriate paperwork sent to appropriate dept. 
Eleven days later while trying to use my cc, vendor showed declined, so I called corporate office and told acct is slated to be closed next week & never received my paperwork from XX/XX/XXXX. 
Three hours later I go into XXXX Md branch to pull my own money, come to find out the XXXX XXXX branch closed it @ XXXX, after being told Everything I was told. 
XXXX XXXX told XXXX mgr check was put in mail. COMPLETELY LIED So next day called bank that closed adamantly refused to put mgr on phone, lied originally and told she wasnt even there BUT when corporate office called they spoke to her.

Adamantly refused to send my {$19000.00} out but no way to pay bills or no common courtesy for me to come in ahead of time before they put their grubby hands on my money.

Completely unprofessional and rude. 
Multiply lied to as well on several occasions

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