vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I opened a Capital One 360 joint savings account in XXXX XXXX. At the time it maintained one of the highest interest rates available for a savings account. I checked its interest rate today and found it is 0.3 %. Capital One has a Performance Savings account which lists a 3.4 % savings rate on its website. This account appears to differ only in name from my savings account. This feels like a bait and switch. Capital One indicates they no longer offer the type of account I hold. At no point has Capital One ever communicating they were changing the status of my account, or that they were changing their account names to offer more interest elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: VA

Complaint narrative:
XX/XX/XXXX : I had a visit with doctor at XXXX in XXXX, Virginia. XXXX did not file a claim with insurance. Because I temporarily had my mail forwarded, XXXX sent the debt to collections. XXXX made no attempt to contact me. I was unable to access the XXXX 's online portal -- this may have been because XXXX was updating or changing its online portal system. 

XX/XX/XXXX : I first learn about the outstanding debt and immediately pay {$250.00} immediately. Because XXXX never filed a claim with my insurance company, the amount paid exceeded what I owed. XXXX now files a claim with my insurance company. I expect to be refunded my excess payment. I learn that after insurance I should only owe {$100.00}. See attached. XXXX tells me this will take several weeks. 

XX/XX/XXXX : XXXX informs me that the debt is no longer in collections. 

XX/XX/XXXX : XXXX processes insurance, but bills me twice for the same visit. 

XX/XX/XXXX : I receive a letter informing me that this debt is in collections. I still have no been refunded my excess payment. I file a complaint with the CFPB. I am looking into filing complaints with other state and federal agencies too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: DISCOVER BANK
State: TX

Complaint narrative:
These late payments are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Anything a credit card company tries to pull my Transunion credit report, it say that theres a freeze on my account. There isnt a freeze on it and Ive talked to at least 5 Transunion reps that said that theres no freeze and they dont know how to fix it.

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Primary Financial Services L.L.C.
State: MA

Complaint narrative:
I deposited {$3500.00} on XXXX XXXX In XXXX XXXX XXXX to : XXXX XXXX XXXX XXXX. 
Wire # XXXX Account # XXXX The person name is : XXXX XXXX XXXX and phone number XXXX Since then I tried to call him many times he doesn't answer.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Received notice of default after buying home XXXX. Paid {$3400.00} plus 1 monthly payment of {$160.00} XXXX XXXX Interest rate 8.75 % after pre-modification XXXX balloon payment {$20000.00} after paying {$150.00} for 480 months.

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 2023-03-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Notice To Cease And Desist I refuse to pay XXXX XXXX XXXX, XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX  alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A.

If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 
XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Notice To Cease And Desist I refuse to pay XXXX XXXX XXXX, XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A.

If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 
XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX

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 2023-03-04 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:
Notice To Cease And Desist I refuse to pay XXXX XXXX XXXX, XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A. 
If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 
XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX

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 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Credit card company issued three cards to impose more fees vs issuing one card with a higher limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
So I sent a letter off on XX/XX/2023. To remove personal information I don't want on my credit report. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is supposed to share my information with third party people. 
These are clear violations of my federally protected consumer rights, Also 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. 
XXXX XXXX xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX xxxxx XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX  XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX xxxxx 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IN

Complaint narrative:
I became aware of a debt I owed regarding an eviction that had been finalized by a court. I was told by the property management company that the debt had been placed with Hunter Warfield. At this point no record of the debt was reflected on any credit reports. I was told the total amount of the debt was {$10000.00} and set up a payment plan of {$300.00} weekly to resolve the debt. I had paid approximately {$6700.00} towards the debt when I learned that the judgement made through the court was capped at {$8000.00} due to local law and that the amount I was ordered to pay was {$8000.00}. I immediately contacted Hunter Warfield offered to pay the full remainder of {$8000.00} ( {$1300.00} ) immediately provided a copy of the final judgement, signed by a judge. I provided this document on XX/XX/2023. I was informed a review would begin on my account which was required to be decided no later than XX/XX/2023. I contacted Hunter Warfield several times during this period to check the status of the debt. When I contacted Hunter Warfield on XX/XX/2023 I was told that the debt would be removed from all credit reports and all collection attempts would cease no later than XXXX, XXXX. On XX/XX/2023 I acquired copies of all my credit reports and the debt was reported on each, with no acknowledgement of it's dispute status, reported with not only the higher incorrect total but with no evidence of any payments having been made. When I contacted Hunter Warfield regarding this on XX/XX/2023 they acknowledged the debt was outside the 30 day limit for dispute and asked if I was aware of any unlawful action they had taken. Hunter Warfield 's agent, XXXX XXXX # XXXX, repeatedly informed me that he was unable to and would not provide any written information regarding the debt, any payments that had been made or accept any payment to clear the debt. He informed me I was not entitled to any information regarding the debt and acknowledged the company was not legally reporting the debt. He refused to provide any further information. He stated that the debt was " not his '' and that he refused to provide information based on his lack of compensation for any money collected. When I contacted Hunter Warfield a second time another agent suggested that Hunter Warfield was willing to accept the larger, incorrect balance they reported to " clear '' the debt but that Hunter Warfield would not remove the debt, mark it as disputed, report any payments unless I paid the {$10000.00} they had incorrectly reported in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: ERC
State: GA

Complaint narrative:
This is the third Company that has tried to receive payment from me about this false account that is not mines. I've had this removed from my credit file two times from all bureaus. This is definitely against the law for even attempting to collect on a debt one. I am so so tired of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Hello, this debt is over 7 years and the wrong amount is being asked for. Ive been receiving letters from the company stating that a lawyer will sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had unauthorized charges on my debit card. Its an ongoing problem. I do not look at, y online banking often because I know what I spend and you would think I would get notified of these charges. But when I looked at my account on XX/XX/XXXX I saw, y account was drained and there was a ton of unauthorized charges. I spoke with XXXX at Wells Fargo and she helped, XXXX with my claim. She noticed there was an XXXX and XXXX XXXX attached to my account with a phone number I did not recognize and I do not have an XXXX. She deactivated it and suggested I file a police report and get my phone checked for viruses or fraud. My dad got me a new phone and we filed a police report. But today my claim was denied. All my money and tax return is gone and XXXX cant even pay rent now. Wells Fargo did not call and ask me any other questions as they went through the claim. These were all unauthorized and I shouldnt be liable for charges I did not make. I ve banked with them since XXXX and am furious that this has happened and that this was there 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 2023-03-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Rent relief paid the outstanding balance of XXXX on XXXX XXXX and the employee at XXXX XXXX XXXX apartments never submitted the payment, and it has been collecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
TRANSWORLD SYSTEMS INC. attempted to collect a debt from me that was not mine. This resulted in a significant hit to my credit score and an unnecessary effort on my part to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I took a car out with credit acceptance about 8 years ago..I got into an accident the car was deemed a total loss and my gap insurance paid the car off in full amount.Credit acceptance reported the car on my credit report as a voluntary repossession which is incorrect and they also have had a hold of my credit by doing this for the last 8 years.once again the car was paid for by my insurance and credit acceptance still has a hold on my credit I believe this is based on XXXX profiling as I been told by many dealers

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 monetary relief
Consumer complaint received 2023-03-04 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX Balance : {$79.00} XXXX  XXXX Balance : {$170.00} XXXX XXXX Balance : {$91.00} XXXX XXXX Balance : {$51.00} XXXX XXXXXXXX Balance : {$76.00} XXXX XXXXXXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/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 2023-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$79.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$91.00} XXXX XXXX Balance : {$51.00} XXXX XXXXXXXX Balance : {$76.00} XXXX XXXXXXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AV XXXX XXXX XXXX CA XXXX XX/XX/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 2023-03-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$79.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$91.00} XXXX XXXX Balance : {$51.00} XXXX XXXX Balance : {$76.00} XXXX XXXXXXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation