vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JP RECOVERY SERVICES, INC.
State: DC

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX Washington XXXX sent me to a debt collection service over an alleged debt from XXXX. I was not notified of this debt previously. The website attached provides an email address to direct billing questions to, and it does not work. XXXX I was not given an opportunity to pay the invoice sent by XXXX to me, after I was sent to collections, despite the invoice being the first time I was made aware of an alleged {$30.00} debt. I was not provided proof of the debt, not provided proof that I did not pay nor was I offered an explanation of why XXXX YEARS had passed prior to attempting to collect a debt. The bill date of this alleged debt was XX/XX/XXXX as per the attached statement. How can I be billed for something AFTER I was sent to collections. 


XXXX had previously invoiced me for another bill a year after the fact, and communicated to me repeatedly that it was past due ( despite the delay being caused by their error, and I paid the bill. XXXX repeatedly behaves in a predatory manner where the patients are responsible for the billing and process failures of the hospital. This is unjust. 

I attempted to communicate with them numerous times, often getting a voicemail. The most recent time that I was able to communicate with them was on the week of XX/XX/XXXX. The only communication I received from them was that I had to pay the debt to the debt collector, with no explanation of the above.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: NY

Complaint narrative:
On XXXX XXXXXXXX XXXX I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. 
Please delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regards to this matter. 
Your cooperation is greatly appreciated.

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 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TX

Complaint narrative:
I recently had 2 companies XXXX XXXX  XXXX XXXX & Discover ) send me a letter and a call to my mobile stating that my application was denied. I already have a closed account with XXXX XXXX XXXX  and never had one with Discover. I was not in the process of getting new cards or accounts with either 2 companies. I checked my credit report company and there were no inquiries on these 2 or any other companies that I am aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Account:XXXX XXXXXXXX XXXX XXXX XXXX XXXX AccountXXXX XXXX XXXX XXXX XXXX Account:XXXX XXXX XXXX XXXX XXXX Account : XXXX & XXXX XXXX XXXX Account : XXXX Division of child support Account : USBK court XXXX XXXX XXXX Docket # XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, ny, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
At the end of a XXXX lease with Honda Financial XXXX XXXX XXXX XXXX XXXX for XXXX ), I purchased vehicle on XX/XX/XXXX and transferred the Title properly. Issue with XXXX XXXX is the handling of their internal Title Transfer and charging of Personal Property Tax after purchase. 
+ Local Personal Property for the remaining XXXX of XXXX was charged by local entity to me under new XXXX # and I paid it. 
+ Local Personal Property Tax for XXXX was billed under new Title # to me and I paid it. 
+ XXXX XXXX billed me for XXXX Personal Property Tax under old Title # + After educating Honda Finance Company of their mistake ( Providing Title document proof ) and assisting them in Tax Refund for both XXXX and XXXX ( XXXX ) of Personal Taxes re-paid to them by local Tax Entity, Finance Company insisted that I owed the Personal Property Tax to them because of a clause in their Lease Agreement of my responsibility to pay any Personal Property Tax up to XXXX after Lease end. 
+ This is an obvious waiver of responsibility for their inefficiencies in handling Title Transfers and proactively avoiding paying + Please note that they acknowledge that they owe me the reimbursed Taxes for XXXX ; however, they proceed to classify my account as Past Due and turned it over to a collection agency. 
+ If I paid the Personal Property Tax as their standard requirement of their Lease, I would have over paid by {$540.00} for XXXX with a substantially larger amount for XXXX, since they do not have any internal mechanism to guard against double charges for Personal Property Tax, leaving it on the consumer to be proactive to start a refund process. 
+ My assessment is that they are not interested in implementing any internal mechanism to guard against double charging of Personal Property Tax, even with my insight and encouragement. Instead they leave it up to the Consumer to be proactive. 
+ My financial assessment is that there are Tens/Hundreds of Millions of dollars in overpayment by Consumers that have not been processed by Honda Finance because it is a nuance to their operations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
As of today, at this time, the initial delinquency date is missing and the account type is wrong on the entry reported by XXXX XXXX XXXX, an XXXX, Georgia based collection company. 

Let me repeat, on my equifax report, it is missing the initial delinquency date and the account type is wrong. 

This complaint addresses those two inaccuracies on my equifax credit reports as of today. 

Furthermore, I am providing to you a copy of the creditors chart of accounts that prove to you that the one and only first delinquency date is XX/XX/XXXX ( XX/XX/XXXX ). 

This data can be verified simply by looking at the attached documents and On page 4, if you can actually make heads or tails of this Clearly manipulated ledger, look at the right Dark Red box and it clearly and simply shows and proves thar the initial delinquency date is in fact XX/XX/XXXX. XXXX. 


But, keep in mind, XXXX XXXX XXXX, the bogus creditor, would like for to believe that the initial delinquency date of the XXXX XXXX XXXX  is XX/XX/XXXX ; ladies and gentlemen, 13 months later than the true default date, XXXX XXXX has knowingly, willfully, and maliciously reported that the initial default date is XX/XX/XXXX, even though it proves with their own ledger signed and emailed you me from XXXX XXXX XXXX. 

There are many reasons for them to break the law and inaccurately report data as they did to me for 7 years and counting. 

And it can be supported by their actions even when I brought it to their attention going back years, they Have rejected every dispute that I have filed for their mistake, And refused to correct same at anytime And now 7 years later, they removed the date of first delinquency date recently further leaving my Credit file even more incomplete with missing data required to be reported by them. 

See, this is a pattern of behavior that is illegally on the state and federal level, and the moment years and months ago when I tried to cordially converse with them and they hung up the phone on me several times. 

There is a Georgia Attorney General Complaint that we are filing soon after this and seeking attorneys for a potential class action law again XXXX XXXX XXXX so we will talk to high later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Since XX/XX/2022, Capital One has prohibited me from using the money in my checking account. 

I contacted them several times and have also verified my information with their representatives, yet they still will not allow me to use the money in my checking account. 

On XX/XX/2022, I made a payment to my credit card using the funds in my checking account. Capital One reversed the payment leaving me unable to make my credit card payment. 

I have not had access to my money for 3 weeks now and am appalled that Capital One would treat a long term customer this way. I am seeking a prompt resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: FL

Complaint narrative:
CFPB + Equifax + XXXX + XXXX, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Statements from you and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - copy of my address - copy of the complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: FL

Complaint narrative:
CFPB + XXXX + XXXX + TransUnion, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Statements from you and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - copy of my address - copy of the complaint

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB + XXXX + Experian + XXXX, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Statements from you and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - copy of my address - copy of the complaint

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 2022-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-22 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: 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 XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: NM

Complaint narrative:
Today on XX/XX/2022 I deposited btc into my binance.us account. I sold my btc tokens and used the usd to purchase the bnb token. When I attempted to withdraw my bnb tokens to my wallet. I was unable to withdraw. The message that appeared when I tried to initiate a transfer was " You temporarily can not withdraw your recently deposited funds and assets bought with these funds. For ACH deposits Please wait 10 days And for debit card purchases please wait 10 days ''. My deposit was neither an ACH deposit or a debit card deposit. 

Binance.us account info : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation