vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
On XX/XX/2022 I received a credit statement of purchases I did not make or authorize, I contacted Indigo Credit card and notified them of fraud charges, I had paid {$40.00} so accurate account balance is now - & XXXX XXXX dollars they removed the XXXX dollars and closed card and issued me new one of which i will receive in 7-10 days, today XX/XX/2022 i saw they reported debt to credit bureas, XXXX XXXX XXXX XXXX XXXX XXXX, as open and XXXX balance incorrect my credit score also took a hit of XXXX points collectively on all 3 major reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: TX

Complaint narrative:
All 3 reporting bureaus are reporting inaccurate ERRONOUS incomplete incorrect information. I filled a colloquium in XXXX. XXXX with cfpb 1 date open incorrect 2 amount of loans incorrect 3 terms of loan in correct ( as in number of months ) 4. Reported payments made. No payments have ever been made 5 1st date deliquenxy 6 last date active incorrect 7 pay history incorrect 8 account status incorrect 9 they're reporting 22 loans I only HAD 9 loans 10 is been over 60 days they still haven't verified the info on my report to the cfpb plz remove due to fcra violations and negating to report info accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All 3 reporting bureaus are reporting inaccurate ERRONOUS incomplete incorrect information. I filled a colloquium in XXXX. XXXX with cfpb 1 date open incorrect 2 amount of loans incorrect 3 terms of loan in correct ( as in number of months ) 4. Reported payments made. No payments have ever been made 5 1st date deliquenxy 6 last date active incorrect 7 pay history incorrect 8 account status incorrect 9 they're reporting 22 loans I only HAD 9 loans 10 is been over 60 days they still haven't verified the info on my report to the cfpb plz remove due to fcra violations and negating to report info accurately

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 2022-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
i have called and complained to and on capital one already about this issue and they are saying they can't and won't help me i want my lost wages back or i will sue them. it's not my employer 's fault. they paid me into my capital one account which i closed due to being a victim of identity them my money wanted into my account which I was being watched yes, I failed to report it to capital one prior to closing in it because I didn't know how to. a stranger was watching my online access to XXXX for a XXXX  before i went on a removed them twice i even had old numbers and emails removed by capital one personal that didn't belong to me. XXXX  on the capital one credit card side and checking account side. my ssn is exposed on the dark web and so is my name and dob i can never take that back. i worked hard for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I fist received text messages from Citizens Bank in XX/XX/XXXX congratulating me on my new account. 

I have never had any accounts or business whatsoever with Citizens Bank, so this account must have been opened via fraud. 

I then received communication in the mail from Citizens Bank N.A. on approximately XX/XX/XXXX that I had an overdrawn checking account and owed {$49.00} of overdraft fees. 

I contacted Citizens Bank, they documented my complaint and advised me to report the case to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
on or about XX/XX/XXXX there were funds taking out of my checking account and that I spoke to nave federal as to why I made a agreement that the honored for XX/XX/XXXX in which I was read privacy notice .But every time my payment is due the never could honor the agreement .Going forward so on the XXXX of XXXX monies was put back on a XXXX every XXXX someone excess my account .monies was put back into my account only to take out for XXXX payment toward my go rewards credit card on XX/XX/XXXX again some XXXX took out XXXX. XXXX toward my credit card account in which it wasn't due until XX/XX/XXXX another payment was taking out in the amount of XXXX or XXXX My payment is for XXXX every month and also I made a payment eternal transfer from saving to checking and XXXX XX/XX/XXXX another payment was taking out and my in XXXX it was over XXXX dollars between my savings and checking on XXXX XXXX I was headed to XXXX XXXX and looked at my account to make sure I had moneys for my part and saw that it was XXXX I left in my savings and that someone from navy federal had access my account and took payment for XX/XX/XXXX that was not authorized none where as from XX/XX/XXXX I am not happy at this point because this has been a ongoing problem and hardship for me. at points and times there maybe deposit that family makes eternally they show up as some of the things that goes on with navy Federal to cover up other deposit entering into my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I informed Navy Federal Credit Union of my husbands unauthorized use of my credit for line of credit approval. 

My name is not on the checking account. 
I dont have and never had access to line of credit, but listed as a co borrower. 
I requested yo have my name removed due to unauthorized use of my XXXX, which Navy Federal Credit union refusal to remove off my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
Specialized Collection System, INC. violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. On XX/XX/2022, XX/XX/2022, and XX/XX/2022 ; i received a call from Specialized Collection System , Inc. trying to communicate with me in an attempt to collect a debt. In which, the phone calls i received violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: DISCOVER BANK
State: LA

Complaint narrative:
Discover Card new in 2022 all bills paid out. In XXXX insurance on my primary home and rental came due had requested both companies for change due to XXXX premium increases. Time got short was asked to use credit card approx. amount around {$5000.00} for both was approved by Discover They would send email over limit. I called my bank was making XXXX payment to Discover which they required only {$800.00} but instead I paid out full amount. Then received email from XXXX for IRS info I call Discover about if this was a problem ok filled out IRS form Seems I didnt finish filling out so I called back a lady explained what happened the form was hard to read but we got it done. NEVER did either those whom I spoke with at Discover or XXXX inform me that my card would be discontinued. This was found out when I tried to use the card at a gas station. So I called Discover to find out what went wrong spoke to another personnel who was not very helpful so I requested the Supervisor XXXX XXXX she said that XXXX in my email that my account would be close til they finish with my investigation from the IRS. I have the email from XXXX and there is no where that it states my account would be closed and unable to use til further notice. This is not the first time a Credit Company has shut me down without any reason XXXX XXXX close my account when I had to evacuate from hurricane Ida. I'm on the Interstate with my sister whom has XXXX and XXXX and a XXXX ft travel trailer once I again has funds to get us home. I Did Not Have a problem with making payments or paying any of my bills to either of these companies and to do this kind business is unthinkable I'm XXXX yrs and care for a XXXX  sister i cant even begin to express the shock and disbelief to have this unquestionable events to occur. This needs to stop they should be reprimanded. XXXX needs to be made responsible for their actions also. Let it be clear I requested to be tape in my conversations with Discover and I sent letters to XXXX and XXXX XXXX. I have now recent filed for a new credit card with my bank and have been approved. I will like to hear of a response and or any action that any occur as a result of this complaint. Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. 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 2022-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
The business failed to refund a credit balance for overpayment due to a glitch in its auto payment function for more than 30 days. As a result, I incurred {$54.00} in overdraft fees from my primary banking institution. I called the business multiple times, first on XX/XX/2022 to request a refund. After being told that a draft was being sent to me that day, one was supposedly sent on XX/XX/2022 ( seven days later ). After 30 days and multiple calls, I was told that a draft was never sent and the business would issue a credit to my account. During this timeframe, I incurred fees as a result of not receiving my refund timely.

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 2022-05-28 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: Exeter Finance, LLC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Exeter XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights 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 1668b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. 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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. 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 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On Friday, XX/XX/XXXX, Bank of America processed several of my bill-pay checks which were dated to be processed on Monday, XX/XX/XXXX. Bank of America processed the payments 3 days earlier than they were supposed to be processed and prior to my paycheck hitting my account to cover the bill-pay checks. In doing so, Bank of America caused me to incur overdraft fees of {$390.00}, which they deducted from my Bank of America credit card as part of overdraft protection. I called Bank of America and informed them that they cashed my bill pay checks, which were dated for XX/XX/XXXX, three days early. I informed them that I wanted the overdraft protection amount refunded back to my credit card and any overdraft charges reversed since they did not honor the date of the bill pay checks but instead cashed the checks 3 days early. Bank of America stated they wouldn't be able to honor my request. They had no explanation for why XXXX XXXX checks dated XX/XX/XXXX would be presented for payment on XX/XX/XXXX. I've used XXXX XXXX for many years and this is not how it is supposed to work.

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. 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 explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
This Account was paid in Full by my Insurance .My Lawyer has a letter from the XXXX XXXX XXXX XXXX  account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: TX

Complaint narrative:
A lot of errors appear on my credit report and I have reached out to the companies for the violations of the FCRA and they refuse to investigate and remove inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1692g - Validation of debt XXXX XXXX XXXX Account Number : XXXX this account does not belong to me 2. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX I have zero knowledge about this account this does not belong to me please delete from my credit report 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX 4. 15 U.S. Code 1692h Multiple debt XXXX XXXX  Account Number : XXXX please delete multiple debts This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank You Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I do Not owe any medical collections and I have not been contacted by this agency and needs to be my credit report needs to be fixed ASAP

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 2022-05-28 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I've submitted multiple complaints on why I believe it is unfair for my credit to be reporting late payments during a hard time. I dealt with XXXX last year into the beginning of this year and it caused me a lot of issues including lose of work and falling behind on payments. I've recovered since then and i have gotten back on track with certain accounts. With XXXX XXXX everything is current and the account is closed. These negative items or impacting my ability to obtain a credit score to buy a new home and I think its unreasonable for my family.

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