vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc.
State: UT

Complaint narrative:
I took my son to the emergency room with XXXX XXXX XX/XX/XXXX. My son is double insured with XXXX and Medicaid. In XXXX of XXXX I did a credit check and seen that this was on my credit so I called NAR thinking this was my fianc bill found out it was for my son. They told me there was nothing I could do since Medicaid did not pay the bill now I have to. I made 2 payment under that statement and was going to pay off when I taxes. However this was sent to XXXX XXXX attorney for a lawsuit. After doing some research and calling Medicaid and the original debt owner I found that the bill was paid by Medicaid within 3 months after this incident. I sent the call recording of XXXX XXXX saying I didnt owe the bill after months of communicating with them finally got a itemized bill showing I did not owe the bill. I also got a estimate of benefits from Medicaid showing that the bill was paid as well. I then called XXXX to verify that they got the information and was told that the original bill owner is still saying I owe the bill. Im not sure what else to do at this point. I do believe this is 1 insurance fraud. 2 unfair debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: NY

Complaint narrative:
This is wrong! These accounts are never been late. I never been late paying my debts. I know my obligations!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: MO

Complaint narrative:
This is NOT A DUPLICATE and I, XXXX XXXX XXXX, am filing this complaint. My Social Security Number is XXXX and you can call me at XXXX I filed a report on XX/XX/22 over 30 days ago. Also sent in a dispute to EXPERIAN by certified mail. The Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. THIS IS GROUNDS FOR REMOVAL OF THESE ACCOUNTS BELOW. They also took more than 30 days to complete the report and violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 

THESE ACCOUNTS BELOW MUST BE DELETE FROM MY CREDIT FILE. 

XXXX XXXX US DEPT ED XXXX U S DEPT OF EDXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX I am uploading a copy of my Credit Report. The red boxes are marked where the failure occurs

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 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I payed in full. Then I received a bill for additional fees which I payed in full. Now I received and interest fee on a XXXX Balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: MO

Complaint narrative:
I had an account back in 2019 with US bank. The second person on the account commuted fraud by writing a bad check. I wasnt aware of this action by the second person on the account with resulted in my account being closed. I never signed a check or commited fraud and I have the evidence to prove that. My account never has any fraud issues.

The second applicant tried to sign 2 fraud checks in the amount of XXXX on XX/XX/2019. I really do not want to be responsible for something I never commited or signed for. I wasnt aware the second applicant deposited these checks

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 2022-08-19 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a letter from CitiFinancial on XX/XX/18 regarding a change in my credit line. They dropped my credit limit from XXXX to XXXX while my balance was currently XXXX they said this was due to reporting on my XXXX credit bureau but I have had and maintained this credit limit for years without missing a payment. This decrease in credit line will damage my credit further as this left me with XXXX available credit while a day prior I had roughly XXXX available and puts me almost to the point of maxing out my card when next interest rate hits. This feels very predatory and a terrible way to treat customers.

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 2022-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: TN

Complaint narrative:
I have been sued and had a levy put on my bank account twice now by Velocity Investment without any notification of lawsuit or buying of debt. Requested multiple times to be provided proof of debt, proof of original creditor, etc and have received nothing. Through research, I can only determine they may be attempting to collect on an old auto debt that is already past statute of limitations and on a vehicle that was returned to them years ago. I have disputed this amount with credit agencies and have received no notification from Velocity Investment at all in any form. Only informed of their existence due to their name being on the levy provided by my bank. Clear violation of multiple consumer protections and invalid lawsuit resulting in the theft of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST
State: VA

Complaint narrative:
On XX/XX/XXXX, I went on-line to pay off my Bank of the West boat loan. I requested a payoff amount and received a balance of {$1800.00} which I paid in full. 
I never received any other information from Bank of the West and believe I did not receive my boat title. 

In XXXX of XXXX I received a notice regarding the boat loan ( # XXXX ) that there was an additional {$110.00} due towards the balance. I called on numerous occasions since that notice and spoke with several representative including the " Executive Relations '' personnel but no one could explain what these charges were for. No one from the Supervisory team nor the Executive Relations Dept. have called me back with any pertinent info. 

On XX/XX/XXXX I received a notice that my " balance ' was charged off - I have confirmed that a negative comment was made to my XXXX report and this has greatly impacted my one stellar credit score. I have disputed this twice with XXXX with no resolve. 

On XX/XX/XXXX I wrote to the CEO of Bank of the West ( XXXX XXXX XXXX ) but have have received no response.

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 2022-08-19 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: NY

Complaint narrative:
This is wrong! These accounts are never been late. I never been late paying my debts. I know my obligations!

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 2022-08-19 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: NY

Complaint narrative:
This is wrong! These accounts are never been late. I never been late paying my debts. I know my obligations!

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 2022-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account is in direct violation of 15 USC 1692g I was not notified of ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed and 3 within 5 days of the initial communication.

The next time I contact you I will be sending an Affidavit notarized with an invoice and exhibits and violations you have broken by placing this consumer report on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: NY

Complaint narrative:
This account is never been mine! I don't know about this account. I never signed any contract with this account. I should not be the one who are liable for this account because this is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has a promotion stating that for new customers that makes 2 deposit of {$500.00} qualified for a {$200.00} bonus, and meet the requirements and I added the coupon when opening the account. But a Chase representative told me I did not qualify but I have been going back and forth and another told you do qualify but we need the coupon and I deleted the coupon when the previous representative told I did not qualified, so their giving me different answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid for an apartment using XXXX but it was a scam. Chase bank will not refund my money because it was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have a very strong established excellent credit status. I applied multiple times for an Apple Credit Card, but the financial institutions denied my application for the following reasons : Unable to Verify my Identity. I believe the financial institutions did not try to verify the proper way or violated the Equal Credit Opportunity Act. All other financial institutions I have relationships with can establish a relationship with me and able to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: NY

Complaint narrative:
This account is never been mine! I don't know about this account. I never signed any contract with this account. I should not be the one who are liable for this account because this is not mine!

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 2022-08-19 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: NY

Complaint narrative:
This account is never been mine! I don't know about this account. I never signed any contract with this account. I should not be the one who are liable for this account because this is not mine!

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 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On Saturday, XX/XX/XXXX, my husband and I purchased two XXXX XXXX  sofas from the XXXX XXXX XXXX in XXXX, XXXX We were encouraged to look into the Pottery Barn credit card offered by Capital One. After applying for the card, my husband was approved. He later added my name to the card. During the application process the store rep told us that there was no interest for 12 months, with no other details. We specifically asked if there were any contingencies for that perk and was told that there was no red tape just no interest for 12 months as long as we paid the balance before the one year anniversary of our purchase. Our original plan was to not pay on the credit card bill until we received some expected funds in XXXX XXXX XXXX We even discussed this in front of the store rep and they did not speak up to say that we would be stuck with late fees or interest fees if we went forward with that plan. We were very surprised when we received a statement in XXXX  for a minimum payment of {$250.00}. This effected us financially and put us in a bind. We continued to make the minimum payments until our financial crisis came to a head in XXXX, and I called Capital One on XX/XX/XXXX. I spoke to a representative and was told that in order to have no interest within the first 12 months, we must pay a certain amount every month. Some months, like XXXX, is over {$300.00}. Not to mention the {$29.00} late fees we are stuck with if we are unable to pay our bill on time. I was told there was nothing we could do. The representative agreed that the retailer failed to properly inform us of the fine print and apologized. But the apology does not resolve this issue for me and my husband.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Skopos Financial, LLC
State: FL

Complaint narrative:
On XXXX XXXX, I disputed this alleged debt with Skopos Finance and they never responded to my dispute in reference to the alleged debt. I have been disputing this account for months and never received a response. {$22000.00}. XXXX paid this car off in full.

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 2022-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Never was this account mine! This account is unfamiliar to me. This account has never been used to sign a contract. This account is not mine ; therefore, I should not be responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX I was misled and coerced to sign a contract thinking it was to receive an auto loan for a car. I was ignorant to the laws that protect me as a consumer and I tried to correct the error and as a result my rights were violated even more. 

Exeter after receiving my securities, signature, unlawful down payment, additional payments on top of an extension of credit, and after a cease and desist letter was sent still charged off my account and repossessed my car. 

I received a welcome letter after signing the negotiable Instrument releasing my securities and was misled by Exeter to believing they were lending me money when in fact they purchased my note and monetized it. XXXX requesting to see the securitization audit and XXXX XXXX report for this transaction. 

I was charged a finance charge which is unlawful. The finance charge should have been credited to me and should have covered the purchase pursuant to 15 USC 1605. The finance charge does not include a charge type payable as cash so why was I required to put down {$3000.00} in order to receive the loan?

There was no transparency of the credit application process pursuant to 12 CFR 360.6 ( XXXX ) I was an applicant pursuant to 12 CFR 1002.2 ( f ) and was approved for the extension of credit. XXXX Exeter tried to collect on this extension of credit they are in violation of the RICO act. Specifically sections 664 ( relating to embezzlement from pension and welfare funds ), sections 891and 894 ( relating to extortionate credit transactions ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ), section 1341 ( relating to mail fraud ), section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ), ( relating to forgery or false use of passport ), 1951 relating to interference with commerce, robbery, or extortion ), section 1952 ( relating to racketeering ), section 1956 ( relating to the laundering of monetary instruments ), section 1957 ( relating to engaging in monetary transactions in property derived from specified unlawful activity ), section 1958 ( relating to use sections 2312 and 2313 ( relating to interstate transportation of stolen motor vehicles ), sections 2314 and 2315 ( relating to interstate transportation of stolen property ) Please see attached documents below, the affidavit, bill of particulars, rights of recision, and the negative remark they are communicating on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This account never belonged to me! I am unaware of this account. I have never executed a contract using this account. This account is not mine, so I should not be responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXXXXXX XXXX my car insurance company issued a check for {$18000.00} because it was totaled XXXX XXXX regional acceptance has been asking me to make a payment for XXXX  which is only {$430.00} and I keep trying to contact their gap insurance people who do not call back about the gap insurance they forced me to get to get their loan and now they're telling me I'm responsible for the rest of the car payments I have to go to work Monday and I'm not going to be able to buy a car because of this shenanigans and I keep calling me and calling me like even if I did all the rest of the money how would I owe {$400.00} after XXXX of it was paid 4 days before the payment

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