vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
The company in question is : XXXX XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX My husband and I have been customers of XXXX since XXXX. We have had four separate accounts- two on our primary residence and two on a 2nd home. We sold the 2nd home the end of XX/XX/XXXX. Of the two XXXX accounts on that property, one was for the main house and the second for a guest unit. In early XX/XX/XXXX I contacted XXXX to inform them of a pending sale and to close both accounts as of XX/XX/XXXX, a month after the escrow was to close. In the meantime ( just in case escrow did not close ), I paid the {$840.00} due for XXXX XXXX XXXX XXXX for the alarm system in the main house ( see attached statement and proof of payment including the bank statement ). 

Escrow did close the end of XXXX and XXXX closed the two accounts as of XXXX XXXX. We were to receive a refund for the unused portion of {$840.00} which to this day we have not received. I contacted XXXX about this multiple times. Each time I was told that the accounts were closed. On XX/XX/XXXX, I received a statement in the amount of {$910.00} for the closed main house account ( see attached ). I called and spoke with XXXX at XXXX. He confirmed that the account was closed on XX/XX/XXXX and that we did not owe anything to XXXX. He gave me the confirmation number XXXX. 

On XX/XX/XXXX, I received a notice from Source Receivables Management ( debt collector ) for {$79.00} ( see attached ). I called Source Receivables and asked why this was sent and I was told to call XXXX. 

On XX/XX/XXXX I called XXXX and was told by XXXX XXXX XXXX that I did not owe anything and that I would get my refund within 7-10 days. He also said that I would receive a letter from XXXX. He sent me an email which is attached. I have not received an official letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Collecting agency keeps calling and harassing and using the filing with you language

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I am requesting these inquiries be removed from my XXXX Credit Report XXXX XXXX XXXX - XX/XX/XXXX The ran my credit, and I told them not to run it. I called and made a complaint. They stated they were going to remove it, but no one has called me back. I would like this removed. 

XXXX - XX/XX/XXXX They ran my credit, and it showed up as a inquiry. I did not agree to this, and would like this removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize this. A inquiry was made, and I would like it removed. 

XXXX - XX/XX/XXXX and XX/XX/XXXX This company did a inquiry within a two week period. I did not approve this. I would like both of these removed. This being done twice is a mistake on their part. 

XXXX - XX/XX/XXXX I have no idea what this is, and requesting this inquiry to be removed. 

XXXX - XX/XX/XXXX Again, XXXX is running my credit. I would like this inquiry to be removed from my credit 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 2023-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to seek your assistance in resolving a critical issue I am currently facing with TD Bank. On XX/XX/2020, my TD Bank account, which contained over {$18000.00}, was suddenly frozen without prior warning or explanation. This significant amount included approximately {$7000.00}, which had been in my account previously, and {$11000.00} from a XXXX ( XXXX XXXX XXXX ) XXXX, for which I had signed a promissory note. 

The reason for my account being frozen, as explained to me by TD Bank, is that they allege to have made a mistake by depositing {$50000.00} as part of the XXXX Loan, which is what I agreed upon in the promissory note. Unfortunately, TD Bank has not provided any conclusive evidence of this alleged error, and my attempts to communicate with the bank have been met with silence, as they have not returned any of my calls or provided a clear explanation for the account freeze. 

The sudden freezing of my account has caused severe financial distress and hardship, as I am unable to access my own funds and carry out essential financial transactions, including paying bills, rent, and daily expenses. Moreover, We had to close the doors to a business that benefitted and made a huge impact on the community, and I am concerned about the adverse impact that this situation has on my credit history and financial well-being. 

I kindly request your intervention and assistance in resolving this matter promptly. I believe that an objective review of the circumstances surrounding the XXXX Loan disbursement, the promissory note, and the actions taken by TD Bank will help shed light on whether any mistake was made and whether the account freeze is justified. I am fully committed to cooperating with any investigation or review required to reach a fair and equitable resolution. 

I am grateful for your time and attention to this matter. Your support would be invaluable in helping me regain access to my funds and understanding the situation better. I kindly request that you investigate this issue and take any necessary actions to expedite its resolution. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I was contacting this woman for a number of days about a house rental listing to which she said she needed fees for such as are listed in the Venmo transfers clearly, first it was an application fee which was paid than she said she needed a fee for paperwork her attorney would fill out and than the last of the documents they were drafting up for me to sign, I have never received to documents and I have refused to pay her more. This entire transfer of messages she said I would be refunded for everything if I didnt like the house XXXX not only did I not receive to paperwork as to all the fees I paid for such, I also decided not to go with the house and never had any binding contract other than the fact such is what I was paying for. So I go scammed for not getting my money refunded as promised multiple times across texts which I have, as well as not even receiving the documents I paid for before I decided to ask for a refund, I got scammed multiple times by this persons through fake application fees, a fake cover letter and payments. To the total of XXXX dollars between XX/XX/XXXX and XXXX Ive contacted my bank and Venmo to which no such luck in reobtaining my scammed money and no repercussions on the fraud of the person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The inaccurate personal information below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX. 

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 : States a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The inaccurate personal information below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. 

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 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Collection Agency, Inc.
State: NY

Complaint narrative:
I NEVER GAVE THIS PERSON MY SOCIAL SECURITY NUMBER AND NEVER SEEN OR HAVE EVER MET THIS PERSON THIS HAS BEEN ON MY CREDIT REPORT FOR 4 YEARS NOW. I did back XXXX at XXXX XXXX XXXX back in XXXX and have never seen this doctor he or she, I know nothing about this person as they were not the doctor with whom I did my back XXXX with, and my back XXXX was from a no-fault car accident. 

I did credit check and found out that I have a report on my credit that should not be on my credit from XXXX XXXX XXXX, Original creditor : XXXX XXXXXXXX XXXX XXXX. {$2500.00} Balance updated XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I do not know this person or agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
this account was paid in full in the department store in XXXX. The payment was misapplied and later credit ed back about 30 day later .The late payments are incorrect. XXXX  was paid directly I never heard of Comenity Bank. The store is out of bossiness and the bank has failed to respond to my correspondence. they have violated FCRA LAWS THEY NEVER INFORMED ME THAT THEY WERE PLACING ANY NEGATIVE ACTIVITIES ON MY CREDIT REPORT.THE ARE REPORT ON ACCOUNT THAT PAID COMPLETELY OFF WITHOUT LATE PAYMENTS. I HAVE DISPUTED AND THE VIOLATED FDCPA LAWS BY NOT ADDRESSING MY CONCERNS AND DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

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 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
XXXX XXXX {$1500.00} was stolen out my account. i sent in police report and everything I they told me to send I tried 13 times and still denied from chime bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting 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:
Let me explain my circumstances. 
I have a low 700s Fico credit score on all 3 bureaus, it never goes above XXXX on all bureaus. 
All my accounts are current and have never been late. I have a perfect revolving payment history, and a perfect installment mortgage loan. 
XXXX Inquires on XXXX, XXXX XXXX on XXXX, XXXX inquires on Transunion. My credit age goes back to XXXX, with a 4 % overall credit utilization. 
This all can be verified through the platform http : //www.experian.com. With all that being my credit score should be in the 800s. Minimally high 700s. 
XXXX XXXX XXXX  which uses a vantage score has me in the 800s. XXXX XXXX however is not the source mortgage companies ; auto dealerships and bank lenders use. They all use the trusted, more accurate fico system. 
My credit score never rises above 700s, and I just recently found out why when applying for a business line of credit and an auto loan and to my surprise was declined for both by primary lenders. I was forced to take a 16 % subprime auto loan, which is insane with my credit profile and score. 
in the http : //www.experian.com and XXXX platforms there is a section in http : //www.experian.com called " key factors ''. in the key factors and " additional scores '' section the langue used in both sections in bold red pertaining to my credit profile is below and the exact language used in the decline. Somehow this erroneous information is incorrect, somehow in my credit profile, and preventing me from getting and type of funding. This is also the reason why my credit score will not go above XXXX on none of the bureaus.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Let me explain my circumstances. 
I have a low 700s Fico credit score on all 3 bureaus, it never goes above XXXX on all bureaus. 
All my accounts are current and have never been late. I have a perfect revolving payment history, and a perfect installment mortgage loan.

Zero Inquires on XXXX, 1 Inquiry on Equifax, 2 inquires on XXXX. My credit age goes back to XXXX, with a 4 % overall credit utilization. 
This all can be verified through the platform XXXX XXXX XXXX With all that being my credit score should be in the 800s. Minimally high 700s.

XXXX XXXX XXXX which uses a vantage score has me in the 800s. XXXX XXXX however is not the source mortgage companies ; auto dealerships and bank lenders use. They all use the trusted, more accurate fico system. 
My credit score never rises above 700s, and I just recently found out why when applying for a business line of credit and an auto loan and to my surprise was declined for both by primary lenders. I was forced to take a 16 % subprime auto loan, which is insane with my credit profile and score. 
in the XXXX XXXX XXXX and XXXX platforms there is a section in XXXX XXXX XXXX called " key factors ''. in the key factors and " additional scores '' section the langue used in both sections in bold red pertaining to my credit profile is below and the exact language used in the decline. Somehow this erroneous information is incorrect, somehow in my credit profile, and preventing me from getting and type of funding. This is also the reason why my credit score will not go above XXXX on none of the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Im filing a complaint against capital one bank for for mishandling my walmart rewards account using deceptive practices such as withholding disputes charges that i file from my account as well as unauthorized charges I reported to my account this happened XX/XX/2023 when I called capital one to ask why they had not given me a credit for dispute charges I had reported in which they told me they are putting a hold on my dispute credits until my case would be resolved and when I asked why they did not give me a explanation this is something they have never done and i found to be unfair business practices fast forward XX/XX/XXXX I reported my card lost and unauthorized charges and now they are withholding those charges as well with no explanation given I am a person who suffers from mental illness with XXXX XXXX XXXX and I am not feeling up to par with the overwhelmingness of capital one constantly sending me paperwork to fill out for disputes that don't need no additional information for I've given full information and dates and charges every time Over the phone all charges will be listed below in which I did not receive and capital one is withholding from me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fig Tech Inc.
State: OH

Complaint narrative:
During the course of this loan, communications from the company were being supplied via two different emails causing important notifications to be sent into my junk/spam folder and missed. 

The dates of my repayments were modified and set without my review or approval. 

In my attempt to pay a day before my payment was due, it would not allow me to as it was already processing. Another time it said I was passed due. Making it difficult to actually make payments. 

But the real and what I consider the biggest issue, is that when I was unable to make my payment because their system wouldnt allow me to ( and it would have been paid a day early ) ; it was after that they issued an email stating WE LEGALLY CAN NOT PULL THIS PAYMENT FROM THE ACCOUNT ON FILE. ( We can pull future payments. ) needing my authorization to withdraw the funds! An authorization I NEVER gave!! However, 2 days after that email they took the money out. When it was brought to their attention I was told they considered it a future payment, unfortunately it was not a future payment, it was their attempt to recover the previous payment I was unable to make due to their system. 

They violated their contract with me and have now destroyed my credit covering up their illegalities!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681c Section 604 ( a ) ( 2 ) States that a consumer reporting agency can not furnish a account without written consent of the consumer. ( Me )!

15 U.S.C 1681s-2 Section ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is innacurate. 

Transunion ; XXXX XXXX XXXX. {$390.00} XXXX XXXX. {$0.00} XXXX XXXX XXXXXXXX. {$370.00} XXXX XXXX. XXXX. {$130.00} XXXX XXXX. XXXX. {$260.00} XXXX XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX. XXXX. {$260.00} XXXX XXXX XXXX. {$130.00} XXXX XXXX XXXX. XXXX. {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX XXXX XXXX XXXX. {$0.00} ALL THREE CREDIT REPORTING AGENCIES REFUSED TO SEND ME A FREE COPY OF MY CREDIT REPORT UNLESS I AGREED TO THERE TERMS OF SERVICE AND PAID FOR THERE PREMIUM SERVICE ONLINE ON XX/XX/2023 I HAVE NOT GIVEN ANY WRITTEN CONCENT NOR VERBAL CONCENT FOR ANY AGENCY TO REPORT ON ANY OF THESE NEGATIVE ITEMS. THERE ARE ALSO NEGATIVE ITEMS WITHIN THE LIST PROVIDED HERE THAT I HAVE NO KNOWLEDGE OF. 
I AM ASKING THAT ALL THE ITEMS BE REMOVED IMMEDIATELY. THEY HAVE PRETTY MUCH RUINED MY LIFE. COMPLETELY RUINED MY LIFE! THANK YOU!

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
this account was paid in full in the department store in XXXX. The payment was misapplied and later credit ed back about 30 day later .The late payments are incorrect. XXXX  was paid directly I never heard of XXXX XXXX. The store is out of bossiness and the bank has failed to respond to my correspondence. they have violated FCRA LAWS THEY NEVER INFORMED ME THAT THEY WERE PLACING ANY NEGATIVE ACTIVITIES ON MY CREDIT REPORT.THE ARE REPORT ON ACCOUNT THAT PAID COMPLETELY OFF WITHOUT LATE PAYMENTS. I HAVE DISPUTED AND THE VIOLATED FDCPA LAWS BY NOT ADDRESSING MY CONCERNS AND DISPUTE

Company response to consumer: Closed with explanation