vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I received a call on XX/XX/XXXX from Radius Global solutions from XXXX for an account for XXXX XXXX XXXX in the amount of {$960.00}. For 4 lines of service phone numbers XXXX, XXXX, XXXX, XXXX. After speaking with the rep I advised I had no knowledge of this account. The account was open from XX/XX/XXXX to XX/XX/XXXX. I have never used any of these phone numbers the only phone numbers I have ever had were provided. I also never lived at the address they are presenting, I have had family members and an ex that lived at that location, but I was in my XXXX living on my schools campus. After speaking with the fraud dept I completed a FTC complaint and advised them that this dept is over XXXX years old and there has never been any prior notification or default judgement entered so in that case in the state of NJ they are only allowed by law to pursue or collect on a dept within 6 years. We are past that point so I request that this dept be dissolved and stop the demand for payment on an outside of limitation account and also fraud account.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
On XX/XX/XXXX I opened an account with XXXX  ( security company ). I was told that the equipment would be financed through a third party company Fortiva Credit with 0 % interest. Everything was fine and going along with what I agreed to which was {$26.00} monthly payment that was auto drafted out of my account monthly. On XX/XX/XXXX, I received an email that said " congratulations you've earned an account upgrade. '' I did not think anything of it, I figured they just moved me to a different account type. On XX/XX/XXXX, I received the card in the mail along with the disclosures and to my surprise this account now charges 29.99 %. This is not something I agreed to or I signed up for. I was switched to this account without my knowledge. The amount that was transferred over to this account is {$690.00}. I agree this is a balance I owe, but I am not an agreement with paying interest on the money. I want to be switched back to my retail account and finish paying my monthly balance. 

My contact information : XXXX XXXX -- XXXX -- XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
During yearly credit check on XX/XX/2023 I noticed a collection account that was just added to the report from Resurgent Capital Service LP, XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXX after contacting the company they asked my name and social and after a few minutes into conversation the representative said they are part of federal agency and I need to make arrangement to pay the {$1300.00} or they would send it to the local sheriff department. I told them that account is not my account and send them 3 picture government issued ID and sent it to above mentioned address with signature required registered mail, after they received my ID they responded with a letter to my home that shows they have corrected the address on their file to my current address that I gave them on the phone, I contacted them again and they refuse to acknowledge to have received my registered mail but my receipt back from post office shows a person name " XXXX XXXX '' have signed on behalf of the Resurgent Capital, and they should have everything to help them correct this. I also contacted Secretary Of State and got their Registered Agent name and address and have not filed suit yet, I'm trying to get this resolved befor I take to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have reached out to Regions many times since XX/XX/XXXX to request that my debit account be set up to decline any and all purchases or charges that would overdraft my account. The most recent of times was XX/XX/XXXX. This is because, as a student paying all of my own bills working as a server, I would like to ensure that funds are not unavailable and to know where my finances stand at the end of each day without having to wake up and see I've been charged an overdraft fee for some obscure charge, or something charged days ago. I reached out to them because I deposited some money on XX/XX/XXXX and was subsequently charged two {$36.00} overdraft fees. I reached out to their customer support to understand these charges and was not given a clear explanation on why these were charged when I did indeed have the funds in my account. But due to their gross negligence to my request that my debit account not approve any transactions that I do not have the funds for, I have been charged hundreds of dollars in the last week alone in overdraft fees. I am fed up with their abusive policies and refusal to set up my account to decline purchases. I do not want overdraft protection, I want them to decline completely. Seeing as it is my money, this should not be as hard as a request as it has been. I have been treated unfairly when I have asked for explicit assistance in managing my money. If they are the company I use to manage my money, how I choose for it to leave my account is my right. These last few months trying to have it set up in a way that I won't be paying extra has cost me hundreds if not thousands of dollars. I understand their policy, and have not officially disputed any fees they have charged, but have only requested that they change how my account approves charges, and each time I am met with the refusal to do so.

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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/2023, chase bank removed all the funds from my checking account and closed my account. I tried numerous times to talk to them but they won't do anything. They said that the writer of the check ( my employer ) did not have a matching phone number associated with the company or something along those lines. I had my employer on the line and we verified everything with them, even showing some extremely private documents of the employer, but because the phone number did not match the phone number in their database ( which is wrong in their database ) no amount of talking would get the bankers at chase to reconsider. Also, the funds had been cleared from my employers account no problem, the check was funded etc. They just haven't returned the money in the check to myself or my employer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Back around 5 years ago I had a XXXX XXXX account, it was around {$800.00}. I made all the payments on time then the company I was working FOr lost their business because of COVID-19. I decided to go back to college because it was hard with XXXX  children and no babysitter. Now in XX/XX/2023 I received a request for a wage garnishment, I filed and showed up. The judge let me know that it was approved because I didn't go to first hearing. I NEVER received anything regarding a hearing I NEVER signed for any certified mail. I was never notified. The company is called midland credit management. It was sold off XXXX  to their company. They also are wanted me to pay over {$3000.00} for a account I thought was only for around {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Velocity Portfolio Group
State: NC

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX XXXX # XXXX, has violented my rights.15 USC 1681 Section 602 State I have the right to privacy. 15 USC 681 section 2. It also state a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer plan as late purpose.

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 2023-04-04 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: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX XXXX # XXXX, has violented my rights.15 USC 1681 Section 602 State I have the right to privacy. 15 USC 681 section 2. It also state a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-04-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Got a notification of a new account being on my credit report that I did not open. All the report says is Source XXXX Alert Date XX/XX/2023 Balance Amount {$0.00} Open Date XX/XX/2023 Name COMENITYBK/XXXX  XXXX  XXXX XXXX Address XXXX XXXX XXXX City XXXX XXXX Zip XXXX already reported to XXXX but they said I needed to make a report here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank has called me repeatedly ( at least 15 - 20 times over the last several months as recently as today and last Saturday ) regarding a Victoria Secret account that appears to be unpaid by a " XXXX '' XXXX. I'm unsure how to spell XXXX 's first name. I do not know or have any association with XXXX and have no idea how Comenity Bank obtained my phone number. Moreover, I do not have any accounts with Comenity Bank nor do I shop at Victoria Secret. 

Comenity 's messages are always urgent, they call throughout the day, on weekends, etc. and use blocked caller IDs. I do not answer as it isn't clear to me that this isn't a form of phishing or other fraud attempt, particularly given I have no association with any of the parties involved. I find Comenity 's debt collection efforts to be abusive, misdirected and unnecessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
Velocity, CKS Prime stated while attempting to collect a debt, that it is not legal for them to remove a collection item from my credit report for 7 years, as it is proven differently on this very site. I request CKS Prime/Velocity, to provide me with all the assignment paperwork showing they held legal rights to any funds from me, and they failed to do that, and the case was closed. I still request in writing, good will deletion, or 30 days from the previous request for documentation that was not provided before the case was closed. I really don't want both myself, and CKS Prime to waste our resources over a couple of accounts already marked closed, but if that is the route CKS Prime/Velocity wishes to take, they may hear from me often.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX  HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2023-04-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-04-04 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: NC

Complaint narrative:
Experian has yet to properly investigate and provide proof that these accounts are correct and valid as mine. They have not provided any contract signed by me stating my ownership of these accounts. I request that they are removed immediately and I will not stop until they are removed. 
XXXX  XXXX Chargeoff XXXX balance XXXX XXXX Chargeoff XXXX balance XXXX- Chargeoff {$370.00} balance. I have never done business with this company. 
XXXX XXXX XXXX- {$350.00} balance. I have never done busienss with this company XXXX Chargeoff- current balance {$2100.00}. balance has changed so many times. Which one is it? Verify or remove this from my report XXXX XXXX {$2600.00} balance. Never had an account with XXXX. Please remove this XXXXXXXX XXXX XXXXXXXX. {$300.00} collection. I have never done business with XXXX. Please provide a contract signed by me or remove this from my report.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a Capital One Venture card set up with the Auto Pay feature to pay the statement balance in full every month. 

In XX/XX/2023, the payment was not drafted from my checking account on the due date, XX/XX/XXXX, so I called Capital One the following day on XX/XX/XXXX to inquire why it had not been drafted and was told that they could not tell because I was set up in Auto Pay to have the full statement balance drafted from my account. I paid the full balance over the phone on XX/XX/XXXX and the representative acknowledged that there was no reason he could see why it had not been drafted as it should have been. He agreed to refund the {$25.00} late fee that had been charged to my account. 

At the time, I did not realize that on XX/XX/XXXX I was charged {$21.00} in interest for the prior month 's daily accrued balance. On XX/XX/XXXX, the balance was drafted in full, as it had been in every month prior to XXXX. I was again charged {$10.00} on XX/XX/XXXX even though the balance was again paid in full. 

This morning I called to inquire about the XXXX interest charge and the representative again said he did not understand why I would have been charged interest as the account had been set up for many months to be auto drafted and paid in full every month but that he did not have the ability to waive the interest so I asked to speak to a supervisor. 

The supervisor then told me that he saw where the account had been cancelled to have the payment drafted but could not tell who did it. There is however, NO RECORD of the auto payment being " reactivated '' - it was never cancelled in the first place, at least be me. If there is a record of my auto payment feature being cancelled, it would stand to reason that there would also be a record of the Auto Payment being reactivated after the XXXX statement but I have verified that there is no such transaction record on my account. 

I am at a loss why I am being charged interest for two months worth of charges for what is effectively a one day late payment due to a system error at Capital One. At no point prior to speaking to this supervisor has anyone previously ever indicated that the Auto Payment was cancelled and I certainly did not cancel it. I paid the entire balance over the phone on XX/XX/XXXX and I pay the balance every month in full. 

I have been charged for accrued interest for two months through no fault of my own. Capital One, while acknowledging that no of this makes any sense, is unwilling to refund me for the interest they have charged to my account. Please look into this and help. Thank you

Company response to consumer: Closed with monetary relief