vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I had an account alert on XXXX XXXX for an account in collections, the first time I ever heard of this account. Upon investigation, the account was originally opened on XXXX in XXXX of XXXX, utilizing XXXX XXXX, however, I never opened an account with them. The account was in collections since XX/XX/XXXX for the amount of {$3200.00}. I contacted the collection agency that was listed on my credit report which is Spring Oaks Capital LLC, XXXX XXXX XXXX, XXXX, VA XXXX. The person who opened the account had my birthdate, social security number and full name, so they were able to open the account under my name. However, the contact information XXXX XXXX provided me belonging to the criminal, including a cell phone number and the address XXXX XXXX XXXX XXXX XXXX NY XXXX ( where the items purchased were delivered to ) is not mine, nor have I ever resided there or utilized the phone number or email address they had on file. So I submitted a dispute with them, providing documentation from the FTC, a police complaint number, and a copy of the fraudulent account on my credit report. The dispute unfortunately has been returned and states the company finds the information to be accurate, but I don't see how when this information does not belong to me. I have since contacted them to find out a detailed report of how this account was investigated, however, they now state they sold the account back to the original creditors, XXXX XXXX, but representatives at XXXX deny that and send me back to Spring Oaks. So I can no longer contact anyone regarding this fraudulent activity that is negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Throughout the term of my loan Wells Fargo has been charging additional interest and fees. My loan was paid off via my Insurance company XX/XX/22. Wells Fargo still proceeded to add interest and fees to this account. They also marked my credit report with negative marks even after the Loan was paid off. Throughout the term of this loan I have always questioned the interest rate and the fees. Please see the attached documents, I most recently had to pay Wells Fargo {$5700.00} in interest so that they will stop reporting this account to credit agencies.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I CLOSED my XXXX XXXX  credit card ending in XXXX but agents and their supervisors illegally claimed that Closure Status XXXX not be reported to credit reporting agencies for up to 60 days despite the fact that Metro 2 Compliance would require an immediate reporting of my account as Closed at consumers request to every CRA. The FCRA and Metro 2 require PROMPT and immediate mid cycle reporting of Closed accounts when the button is pushed to close an account. My credit reports remain open in willful violation of the FCRA and furnisher has stated that it has no intention to promptly report my account as closed. I seek {$1000.00} in statutory damages for each day the willful violation remain until permanently corrected. Permanent deletion of my account is demanded as my account is NOT METRO 2 Compliant. At a minimum, my account must be PERMANENTLY reported as DISPUTED as this Complaint challenges balances due to statutory damages for willful FCRA violations. Additional FCRA willful violations will occur if my accounts are not marked as disputed permanently.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi Card and faulty charges that are not my charges and they keep adding them to my monthly charges when I have repeatedly responded to rebuttal letters from companies off the internet that I never ordered these products online. My email XXXX has been infiltrated with spam from companies saying I won a prize that will be delivered when I pay delivery charges after I answer their questionnaire. I spam these messages out and the email service - XXXX automatically  remembers them and places them in spam. My spam folder is inundated with up to XXXX spam messages everyday. I clear my spam folder twice a day. Now, Citi Card is going to report this to the credit bureaus against my credit because I refuse to pay faulty charges. This has been happening for better than XXXX XXXX. If I can get a site where I can download my last response to them and it will show the products that they are claiming I ordered, but did not, it will show you the company which is using my card and claiming I am making these purchases when I would not even know what these products are used for - may understand what they are used for but do not have the knowledge how to use them.

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 2023-01-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have several accounts on all three of my credit reports from XXXX XXXX XXXX XXXX XXXX that all show my accounts are managed by a debt management company and that agreement has been done and the accounts paid for 6 months or more and no matter if I dispute it or not and include the letter saying the management is over they will not be removed.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have several accounts on all three of my credit reports from XXXX XXXX XXXX XXXX XXXX that all show my accounts are managed by a debt management company and that agreement has been done and the accounts paid for 6 months or more and no matter if I dispute it or not and include the letter saying the management is over they will not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I recently paid the minimum due payment on a XXXX XXXX credit card ( not just a store card but instead it can be used for any purpose ) and I made this payment before the deadline. I have had this credit card for many years and I have paid at least the minimum amount due by the deadline almost XXXX  % of the time over the years. On the rare occasion when a payment was late I contacted the company and soon made my overdue payment and any late fee that was charged. For this most recent payment my balance was just {$2.00} over my limit. Once I made my payment on time my balance was once again below the limit allowed, but in spite of this I just received an email from the company that they are charging me a late fee of over {$300.00} and my minimum payment due has also gone up by over {$300.00}! I called customer service and just got the run-around from the woman I was talking to in which she explained why I was being charged this outrageous amount. After I send you this form I am typing a letter and mailing it to the post office box for disputes about 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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX issued a refund on XX/XX/XXXX for a returned item on XX/XX/XXXX back to PayPal in amount of {$180.00}. Paypal isnt acknowledging refund issued out back to return. Ive uploaded emails and confirmation from XXXX showing proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I was involved in a job scam from XXXX. They sent me money in check form to deposit to my account. There were XXXX different checks that needed to be deposited so that I could provide money to vendors for equipment and materials. The first check was for {$2400.00}. There was only a 48 hour hold on the check and then the funds were released. The 2nd check was for {$2500.00} and those funds were also held only for a brief time and then released for usage. The institution, TD Bank did not validate the funds of those checks before releasing them to my account for usage. They released them with only a short hold so that these fraudulent checks were available. Had I not had access during the period of the scam that I was involved in, convincing me I was getting paid for this great work from home position, I would never have been able to send the funds to the random " vendors '' I was instructed to. TD Bank did not do their due diligence in verifying any of the information prior to release. I have had checks in the past held for many more days that were in fact legit and had to be verified ( anywhere from 5-7 days minimum )! I tried to go into the branch when I realized what had happened on XX/XX/23 and although I was scammed, they told me it was fault and I would be held responsible for the funds I already released to these various vendors. This bank should never have released those funds to me and instead should have only charged a return check fee ( which they have now done but also included the high amounts I now have to pay back to the institution ). TD Bank needs to be held accountable for there lack of being able to identify a fake check. I was a victim of fraud and am now thousands of dollars negative in my account which could have been avoided if they had never released the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
A scammer hacked into my credit card. They posted several small charges, claiming that they were {$16.00} for " XXXX XXXX. '' I cancelled the card 2 days ago. The scammers somehow knew that I had cancelled the card, so I immediately received a text yesterday telling me that they were from XXXX XXXX to help with the problem. I got on the phone with them, and gave them several pieces of information before realizing that it was a scam, and I hung up. The name they used was " XXXX XXXX, '' and since then, today I got some emails from them saying that they just needed some more information for my credit card information. I did not open the emails. The name XXXX was in the subject line again. I permanently deleted both email accounts today.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I filed a dispute about a reporting with XXXX XXXX of which listed one account as being almost maxed out and another account as below the credit limit that I had recently brought down in the beginning of XXXX - of which both accounts were wrongly calculated in my credit utilization because I only have one account with XXXX XXXX  of which was a secured credit card that I canceled in early XXXX and am expecting a refund from the difference of the security deposit on the account and the balance. I did inform XXXX of this dispute of which they promised to fix. Today on XX/XX/XXXX - I checked my credit report on XXXX XXXX  and discovered that Equifax had deducted XXXX points from my credit score as it listed a change of higher utilization of my XXXX Account -of which they reported two accounts based on XXXX and XXXX of XXXX - of which had not been disputed. Only the double reporting of my account and current balance had been disputed. I had been bracing for a possible loss of credit score points due to paying off the account and closing along with the credit limit being lowered on total credit utilization but not the continuance of reporting errors and the resulting loss of XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sent a debt collection of {$700.00} that was dated back XXXX from a capital one and it was charged off XXXX. Im reporting this account as fraud because my brother has used my name in several attempts to receive credit cards for financial gain in my name. For I have no knowledge of this account and I'm also attaching a official document from his parole officer that he has been using my name with a FBI number that's listed on the document .and I have also re-enter a fraud alert with capitol one with this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I contacted my loan provider ( Aidvantage ) on XX/XX/XXXX about my refund for payments made during the relief period in the amount of {$5300.00}. On this day, the processed my refund request and it has since been approved ( with the {$5300.00} now reflecting on my account balance ). I was supposed to receive a check within XXXX weeks but it's been over that time frame so I contacted the XXXX Treasury office today ( XX/XX/XXXX ) - they told me they have issued a check via direct deposit for {$0.00} and have no record of owing me the {$5300.00}. Can we please see what's going on with my refund and provide me with a new XXXX since the original time frame has already passed? 

Let me know what other information is needed from me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I have contacted Affirm and XXXX 3 times requesting proof of an account that has been listed on my credit report. Under the New Rule REGULATION F which took effect XX/XX/2021. 
Affirm and XXXX has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. 
AFFIRM INC Account # : -- XXXX -- High Balance : -- {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear CFPB, Many years ago I received unemployment benefits from the California Employment Development Department ( CA EDD ). These were made available via a Bank of America EDD XXXX XXXX XXXX with the account to this day accessible via this website : XXXX XXXX XXXX  I have not received CA EDD benefits for the better part of a decade and left California more than 5 years ago. My CA EDD online access has been automatically deleted and the Bank of America EDD Prepaid Debit card expired more than 4 years ago. I can not even change any details of the account anymore, such as keeping my address current to prevent any mailings from getting into the wrong hands. 

Yet the account continues to hang around and sends me monthly statements online. I have called Bank of America numerous times to try and get this account closed but they always just refer me to the CA EDD. The CA EDD is difficult to get a hold of but they just refer me right back to Bank of America. It appears I'm not the only one in this situation, as there are countless similar reports online. One might speculate Bank of America gets paid taxpayer dollars to maintain these ghost accounts. 

I'd like this account and my associated personal information to finally be deleted. Anything else creates an opportunity for fraudsters and places an undue burden on me as consumer to try to ensure the account remains safe. 

Please help! 

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 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: UT

Complaint narrative:
Received notification of a negative mark on my credit report. Disputed with credit bureau as well as agency. After looking into this more, the collection agency purchased an old debt that was past the statute of limitations and had already been taken off my credit report. They filed this as a new debt which is a violation of the Fair Debt Collection Practices Act. Want this off my report immediately and the company should be fined.

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 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
After I returned From a trip on XX/XX/2022, I was reviewing my credit card charges and notice service charges by XXXX XXXX for bag fees. I called the Chase Credit Company and filed a dispute on the {$79.00} bag fee. 

I filed the dispute with Chase regarding being charge twice by XXXX XXXX for bag fees in the amount of {$96.00} ( prepaid online XX/XX/2022 online ) and {$79.00} charged at the airport XX/XX/2022 for the same luggage. XXXX stated in their response that I paid {$79.00} for a carry-on bag fee without addressing the fact that I paid {$50.00} for the carry-on bag fee for a personal bag at the airport on XX/XX/2022. Chase agreed with XXXX XXXX about the {$79.00} carry-on bag fee and denied my dispute without verifying with me whether or not this information was true. Because as I stated above, that I paid {$50.00} for the carry-on bag fee at the airport and XXXX claimed to have charge me {$79.00} for a carry-on bag fee, therefore XXXX charged me twice for a carry-on bag fee on XX/XX/2022.

Company response to consumer: Closed with monetary relief