vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 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: WI

Complaint narrative:
ORIGINAL COMPLAINT XXXX I REQUESTED YOU STOP ADDING REMARKS AND REMOVE ANY UNNECESSARY REMARKS AND YOU HAVE READDED THE SAME REMARKS TO MY XXXX CARD!!!!!!!!!!!!!!!! I AM APPLYING FOR A LOAN SOON AND I NEED MY CREDIT REPORT CLEAN! XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. I am asking the dispute comment to be removed from the following items : XXXX BANK XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. Truly, 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 non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Key 2 Recovery, Inc.
State: TX

Complaint narrative:
XXXX XXXX with Key to recovery has been calling my employer since XX/XX/2022. I have called and left him a message to cease contacting my work on XX/XX/XXXX and today XX/XX/2022 to send me correspondence through mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Know that the following inquiry was not authorized. I have not reached out to to this company nor inquired about anything. There must be something wrong with TransUnion 's investigation which they should eventually correct. Please see the inquiry that isb unfamiliar to me. 
XXXX XXXX Date of inquiry XX/XX/2021

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 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX of XXXX, I XXXX  my hand at work. I went to the XXXX  at my local hospital. I was treated in the XXXX  and had follow up visits set up with the XXXX XXXX department at the hospital. I had and went to four follow-up visits in the XXXX XXXX department. 
I did receive a bill from the hospital for the initial XXXX visit. When I called the hospital about it, they told me they had not yet received the XXXX 's " XXXX XXXX XXXXnformation from my employer. I took the bill to work and received the XXXX 's XXXX XXXX information which I then gave to the hospital. I later received a second bill from the hospital, I called them again and explained that it was a XXXX 's XXXX XXXX. The Hospital apologized and said they would take care of it. The hospital has not contacted me again about that bill. 
States Collection Service is trying to fraudulently collect {$200.00} towards that XXXX visit. I have received numerous phone calls where they have left voicemails, they have sent text messages to my phone, they have written me. They are threatening to steal my tax refund. 
I did reply to them last year ( XX/XX/XXXX ) when they first contacted me. I explained that this was a XXXX 's XXXX claim. And that I had already given the XXXX 's XXXX claim information to the hospital and the the hospital bill was paid in full. I included with my response, their original request, the after visit paperwork from the hospital showing it was a XXXX 's XXXX  Claim, a copy of the accident report turned in to my employer, a copy of the XXXX 's XXXX Claim information I supplied to the hospital, and a printout from the hospital website showing that insurance had covered 100 % of the bill and my balance was ZERO. I told them to never contact me again, including by phone, text message, email, or in writing. 
State Collection Services has again written me trying to fraudulently collect {$200.00} towards a fully paid XXXX visit. They are threating to steal my tax refund if I do not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have attempted to contact Experian several times regarding the removal of old personal information, only for my request to be ignored. The information is still on my credit file. I have contacted the company by certified mail 1st, and when they didn't fulfill my request, I attempted to have my request fulfilled over the phone. My requests have NOT been fulfilled.

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 2022-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
I financed a washer from XXXX XXXX in XXXX, XXXX  in XXXX XXXX. I have been paying monthly on time and called to request a pay off balance since I have paid appr. {$460.00} of the {$760.00} I financed, and they stated the pay off balance would be {$690.00}. The interest rate is XXXX XXXX, which is beyond the XXXX installment loan interest cap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I wrote capital one to get my account restored and a copy of 1099-C was filled for {$100000.00} to open up an investigation for final accounting with XXXX XXXX XXXX XXXX XXXX XXXX 

My writing were ignored I feel my Payment was discriminated against seeing my creator does not allow us to pay in dishonor and died for my sins. 

Pursuant to 18 U.S. Code 242 - Deprivation of rights under color of law my religious rights were violated. My creator gives me abundance. I was discriminated against under XXXX of law titles. 

My account was closed and my character was defamed by capital one bank this falls under United States Code : Fraud and False Statements, 18 U.S.C. 1001-1026 ( 1952 ). 

This matter needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Netspend Corporation
State: MI

Complaint narrative:
I received a brinks money prepaid card in the mail today ( XX/XX/2022 ) that I did not request. I thought maybe when my tax person filed my taxes, he offered it for me at that time, since I've only been living at my apt for a month and was actually using a family members address for mail. I did not apply online for anything or put my address online or do a change of address even. However this came to my home address ( not the address I'm using for mail ) and so I thought since it MIGHT be my taxes, I'd activate it. I downloaded the mobile app, and started the process. As I was doing this, it asked for further confirmation of my identity. I snapped my ID and submitted it. A couple mins later I received a message stating I couldn't be verified. Then it logged me out. When I went to sign back in, it said my account was locked. I called the number on the back of the card, and a foreigner answered. He then told me to email my ID, social security card, and proof of address over to him to activate the account. ( XXXX ) and gave me a number but did not tell me what it was for ( XXXX ). I explained to him this really does seem like a scam, and asked if he could give me any information regarding if there was a balance on this card for me to even bother activating it, bc I had not ordered it and I do not have any brinks prepaid cards at all. He got very defensive and told me " this is not a scam ''. I'm really leery about this and I even XXXX  if there's a brinks prepaid card scam going on but there was no clear answers. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: OH

Complaint narrative:
The first time I heard about this issue I received a call from a female stating I owe money for an apartment in XXXX, Ohio. I informed the caller I never tried to rent an apartment in XXXX, Ohio. The caller said my son was renting the apartment and I informed the caller that had nothing to do with me, my son is a grown man and is responsible for himself. I also informed the caller I had no knowledge of this business transaction, I didn't talk with anyone or sign any documents. the caller was very rude and said I will pay or my credit will be damaged. Therefore she placed a collection on my credit report which is unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I received COVID-19 loan forbearance from XX/XX/XXXX- XX/XX/XXXX. Per the U.S. Department of Housing and Urban Development 's COVID-19 Recovery Loss Mitigation Options Mortgagee Letter XXXX, mortgagees must waive all Late Charges, fees, and penalties, if any, as long as the Borrower is on a COVID-19 Forbearance Plan. 

In XX/XX/XXXX, I was charged a late fee of {$50.00} that to my knowledge hasn't been reversed, and additionally, I was reported 30 days late to the credit reporting agencies. It also appears for some reason there was no reporting for XX/XX/XXXX, which should have been reported as current. 

Please report as Current for XXXX and XX/XX/XXXX, and credit my account {$50.00} for the late fee that was charged in XXXX. This is affecting my credit score and ability to get better interest rates.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian, and XXXX are reporting inaccurate information on my credit reports. There are addresses and aliases that do not belong to me. I have tried fixing this problem but have yet to hear anything back. This is negatively affecting me. I have already submitted documentation claiming that I believe that I was a victim of fraud. They are reporting different names and addresses on each report. I am exercising my right under the Fair Credit Reporting Act 611. The following addresses and aliases are reporting incorrectly and must be removed immediately. Please reference the letters that are attached to see the inaccurate information. These letters were sent over 30 days ago. I am seeking litigation if not 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 2022-03-01 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to the CFPB ( XXXX ) against Ally in regards to Ally reporting an account past the seven year statute of limitations. Ally responded on XX/XX/XXXX. It had an attachment that contained several pieces of paperwork. In that paperwork it included a payment history of the account. The payment history displayed the first date of delinquency occurred in XX/XX/XXXX. XXXX 's law dictionary defines delinquency as " a debt that is overdue in payment ''. ( XXXX 's law dictionary, n., XXXX, XXXX XXXX. ) XXXX from XXXX XXXX XXXX stated that the first date of delinquency is on XXXX XXXX. She also states that the information will remain on my credit report. This is a direct violation of federal law and Ally is willfully violating federal law. Ally is aware of the first date of delinquency because Ally provided the paperwork with the first date of delinquency. I have attached the letter Ally representative wrote and the payment history that was included.

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 2022-03-01 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I purchased shuttle services with XXXX for transportation from the XXXX airport to the hotel. XXXX sent a link to complete payment. The cost agreed upon was {$71.00} USD, or {$1300.00} MXP  at the time of currency exchange rate. The confirmation invoice confirmed the charge of {$71.00} USD. However, when I checked my card statement, the charge was incorrect. It was in the wrong currency. Instead of being charged {$1300.00} MXD, I was charged {$1300.00} USD. Please see the scanned documentation below, which shows our invoice and the incorrect charge on my bank account. 



This screenshot of my XXXX statement indicates the charge of {$1300.00} USD. The wrong currency. It should have been {$1300.00} MXP or {$71.00} USD. 



When I went to submit the first dispute ( CHASE claim ID : XXXX on XX/XX/XXXX ), I subtracted the initial cost of {$71.00} and disputed for the remaining balance of {$1200.00}. For the first dispute I was unable to provide evidence, and I believed that Chase would be able to resolve this straightforward issue without further delay. 

For the second dispute ( CHASE claim ID : XXXX on XX/XX/XXXX ) I provided several pages of evidence in the form of invoices to prove that I was charged in the wrong currency and that XXXX owes me {$1200.00}. The second dispute was also unsuccessful. In a generic form letter, Chase incorrectly denied this claim, stating that the charge was valid after further inquiry. XXXX still wrongfully has my hard-earned money that does not belong to them. I paid my outstanding balance, which included the XXXX charge, to avoid incurring additional interest charges on my account. 

The third attempt to get the bank to help me get the refund back of {$1200.00} ( CHASE claim ID : XXXX on XX/XX/XXXX ). I was advised by a customer service agent to write a letter explaining the situation. I asked them to please review the attachments and contact me if this explanation is still unclear. I have been a loyal Chase customer for over a decade, and I have never had such a difficult experience getting help. I got a notification on XX/XX/XXXX saying that my dispute had been closed. I never got my refund back. 

I have contacted XXXX for updates since XXXX. They now claim to want to refund the full {$1300.00} USD for all the inconvenience. When I try to contact them for a direct refund they do not respond to my calls or emails. 

I would be grateful for any assistance in recovering the money that was taken fraudulently. 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I HAVE NEW AND UPDATED INFORMATION ABOUT LVNV FUNDING LLC. LVNV IS NOT LETTING ME EXERCISE MY FEDERALLY PROTECTED RIGHTS UNDER THE FDCPA. 
I HAVE REACHED OUT TO LVNV AND THEY KEEP RESPONDING TO CFPB SAYING A LITIGATION IS PENDING OR PRIOR ON THIS CONCERN WHICH IS INACCURATE NO LAWSUIT IS IN PLACE AS OF FEBURARY XXXX. I SPOKE WITH XXXX XXXX ON XX/XX/XXXX THAT WORKS WITH THE ATTORNEY XXXX XXXX THAT TOLD ME THE SUMMONS THAT WAS FILED XXXX XXXX IT WASNT SUCCESSFULLY SERVED AND HAS EXPIRED AND SHE TRIED TO GET ME TO PAY IN FULL OR SAID I COULD SET UP A PAYMENT ARRANGEMENT WHICH IS STILL ATTEMPT TO COLLECT ON A DISPUTED DEBT PURSUANT TO 15 USC1692G ( B ) ALL COLLECTIONS SHALL CEASE DURING DISPUTE. XXXX ALSO STATED MY LETTERS ARE ON FILE AND THEY HAVENT DECIDED IF THEY WILL RESPOND TO THE VALIDATION OD DEBT WHICH IS OVER A MONTH PASS THE DUE DATE. THE CIVIL CLERK AT XXXX DISTRICT ALSO TOLD ME THE SUMMONS WAS NEVER SERVED. LVNV IS WILLFULLY AND NEGILENT NONCOMPLIANCE WITH FEDERAL LAW. I WAS NEVER SERVED NOR HAVE I RECEIVED ANY NOTICE SHOWING SOMEONE TRIED TO SERVE ME. I SENT LVNV A VALIDATION LETTER THAT WAS RECIEVED XX/XX/XXXX BY XXXX XXXX, DUE TO XXXX EMAILS I RECEIVED ON BEHALF OF LVNV USING OBSCENE AND PROPANE LANGUAGE AND THRETHENING ME TO TAKE LEGAL ACTION THAT CANT BE TOOKING. I HAVE SENT MULTIPLE LETTERS AND THEY FAILED TO RESPOND AND CHOSE TO USE THIS STALL TACTIC. PURSUANT TO 15 USC 1692i ( b ) NOTHING IN THIS SUBCHAPTER SHALL BE CONSTRUED TO AUTHORIZE THE BRINGING OF LEGAL ACTION BY DEBT COLLECTOR. NOR DID I SIGN A CONTRACT TO AGREE TO A SUE.

LVNV HAS NOT HAD MY PRIOR CONSENT TO CONTACT ME PURSUANT TO 15 USC 1692c ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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:
In accordance with the Fair Reporting Act Online Information System Account # ending in XXXXXXXX XXXX XXXX XXXX XXXX # ending in XXXX, and XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U S.C 1681 Section 602A states that I have a right to privacy. 

15 U S.C 1681 Section 604A also states that a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Folks that are set up with automatic payments with Capital One is still being charged late fees on their accounts I've spoken with three family members and my wife and I also. We went back through our statements till XXXX and found it every month they hit us for {$40.00} and {$28.00} on an additional card through Capital One these are accounts that are set up for automatic payments. Automatic payments are supposed to prevent late fees I wonder how long they've been getting away with it called them they would only reimburse last month 's charge. They would not reimburse the other ones that we brought to their attention on our statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: MS

Complaint narrative:
I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation