vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case FAIR COLLECTION AND OUTSOURCING is attempting to collect as XXXX XXXX XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer 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 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been dealing with BB & T ( Now Truist ) for many months regarding a forbearance and deferment. After being harassed with frequent calls regarding the status of our loan and receiving miss information I filed a complaint against them regarding their handling of our forbearance and deferment paperwork. 

Currently, I have been trying to cancel our escrow account as I have lost complete trust in Truist 's ability to manage any mortgage or escrow account. Truist has repeatedly shown that they can not handle an account with efficacy and professionalism. I have to wait on hold for hours at times being passed back and forth between departments that each give me different information and are unable to answer simple questions regarding my loan and/or escrow. 

Today ( XX/XX/XXXX ) I spent 2 hours on the phone with Truist just to simply find out the status of my escrow account. Several weeks ago I submitted a request to cancel my escrow account, I explained that I would be paying the taxes and insurance myself. I was told that the request would take up to 10 days to process and that we'd receive a letter in the mail with information regarding the cancelation. As I have not received anything from Truist to date, I called them today in order to figure out the status of our escrow and what our new payment would be without the escrow ( before filling out a check and mailing the mortgage payment ). I have spoken with three department 's only to have the third department ( Lost Mitigation want to redirect me back to the previous department ). 

I have no confidence in Truist to be honest, efficient, and/or competent ( with my account or my time ).

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 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
my capital one card were used with out me knowing in the amount of XXXX $ on one card and XXXX $ one on the other card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: TN

Complaint narrative:
In accordance to the Fair Credit Reporting Act, The XXXX Bank account has violated my rights. they are reporting a balance of {$250.00} on all 3 of my credit reports. As the account was closed/charged off over a year ago, I should not have a balance reporting on 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 non-monetary relief
Consumer complaint received 2022-05-31 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: OH

Complaint narrative:
Upon checking my Equifax credit report I noticed some inquiries on my credit report that are fraudulent according to the ( FCRA ) these items are unauthorized and unverifiable and must be removed from my credit report. 

XXXX XXXX Bank. XX/XX/2022 Capital XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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 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 XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter 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 2022-05-31 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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ; XXXXXXXX XXXX # 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 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 2022-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
They called me multiple times a week and during work hours, I have asked them to not call during work hours and they still continue to. 

They called me at XXXX XX/XX/22 I asked them to send written conformation of the debt they said they have sent them. 
I have not received them. 
They said something about sueing but the call was spotty so it was breaking up. 
The caller then got very defensive with me when I asked them to send another written conformation. She continued to say that they have and I asked them to send it again and then I was hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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 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 XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
There was an eviction put on my credit account in XXXX, at the time I did not own an apartment. I was not aware of any debt until pulling my credit report. I tried resolving the issue on many equations by mail. In XXXX I was able to get the account removed from my credit, only to enter the year of XXXX with the same debt being put back on to my report from a collection agency who bought them out. Ive tried to dispute this account on many attempt.Ive spoke to all credit bureau, and this collection agency regarding identity theft. I have not received anything via mail as I requested. With this being on my credit it is making it very hard for me to find a home for myself and my child. It has put me into XXXX, and they are not showing any compassion of trying to get the issue resolved. Instead they are harming my credit by constant updating it every month, which goes against FCRA ( Fair Credit Reporting ACT )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: WY

Complaint narrative:
I have had an account at Gemini for many years, maybe six or seven. 

I tried to access my account this morning, and some glitch in Gemini 's algorithm " closed '' my account, leaving me with no access to MY money ( which I needed to pay bills NOW. ) I have had to borrow money to pay my bills. 

I then got a request to send Gemini images of three documents AND a selfie, all in one photograph, if I wanted access to MY money. 

This is of course impossible. Am I to hold one document in each of my three hands, and the camera with my foot? It is both a physically impossible request, and insane and onerous and deeply insulting and degrading. They demand that I LITERALLY almost jump through hoops- well, juggle, and take a photo with my foot - to get access to MY money in an account I've had for over half a decade. 

I would like access restored to my account, or ALL of my funds returned IMMEDIATELY, and of course nothing in law or regulation allows them to demand I take and absurd and insane - and impossible - selfie. 

I would of course like my money back immediately, and this clown organisation, Gemini, shut down due to violations of fiduciary duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: AL

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter 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 2022-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account with capital one in XXXX, my payments were made on time for a complete year. I fell short in income from being in college, and also becoming XXXX in XXXX. I spoke to a representative regarding what took place in my life. I made every payment I could when I had funds to do so. My account still fell behind 120 days. I never received a call, email, or letter regarding collections, even after speaking to someone about a payment arrangement for {$500.00}. In XXXX I was able to start back working, and made capital one my first priority to pay off anything owed to them. The account was paid in full and closed. I have tried reaching out to this agency numerous of times asking for forgiveness, and all late payments to be removed. It is causing myself and my child to not go forward with finding a new home and car, do to every one denying me over a one time late payment, that was taken care of. Despite that this company has my name spelled wrong and also input my social security number wrong, I have still tried to work through this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX I made my car payment of {$410.00} on the XXXX website. 
This date is before the 30 days late point. The payment was accepted and everything looked fine. A week or so later I was contacted by the bank saying no payment was made. 
After much research and talking to several bank employees it was deciphered that the bank account number used in the transaction was wrong. 
The bank blamed me for the error and said TOO BAD. 
The number in the transactions was XXXX. THIS NUMBER HAS NO SEQUENCES THE SAME AS MY ACTUAL BANK ACCOUNT NUMBERS. 
Fifth Third Bank website malfunctioned and created wrong information for my on-line transaction and they do not want to correct their error on my credit report showing a 30 day late payment. 
I have had this account for over 4 years with no 30 day late payments!! 
Money was in my bank account for this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: OH

Complaint narrative:
Upon checking my Equifax credit report I noticed some fraudulent inquiries and according to the ( FCRA ) these inquiries are an authorized and verifiable and must be removed from my credit report XXXX/XXXX  XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX- XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have been contact by phone several occasions XXXX at XXXX XXXX  XXXX, XXXX at XXXX XXXX  XXXX. I called back at XXXX XXXX  on XXXX. I tried to call back with my spouse on the on XXXX at XXXX XXXX  XXXX  the call immediately answered with no dial. I hung up the phone they called back twice at XXXX and XXXX XXXX  XXXX. They called back at XXXX XXXX  XXXX again and also at XXXX XXXX  XXXX. I received a voicemail from them on XXXX. They have also emailed me documentation of the debt collection. They have claimed that I have been sent documents in the mail. The individual on the phone knew my full SSN and a previous address I resided at and also my current address. They said that the financial institution tried to contact me but I have not yet received that information from the banking institution which is Wells Fargo. On the XXXX phone call when I called back to try and dispute this and move forward they offer to take 25 % off the owed amount to settle the debt. I told the agent over the phone that I did not feel comfortable giving my card info over the phone and I wanted to consult with my spouse first. The agent became very insistent on getting me to pay right there on the phone they even said they would stay off the line. The agent then threatened to send this to the XXXX and have it go to my credit report. They said that this case needed to be off their desk and they have already informed me and could proceed now to send this to a judge to issue a judgment and report to my credit bureau. They said that they were providing mediation. Both agents I spoke to on the phone the name of the first agent was XXXX the second one did not share his name. They both had an accent from XXXX. They also emailed me a document with the amount owed. I still have that email and I tried to verify the address that they provided which is a non-operating US office space and the phone line does not dial is specifically calls and the person picks up. I have both numbers that the agency tried to contact me. I have tried to print the email sent to me and it will not let me print it stating that it has been deleted so I took screenshots of 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 2022-05-31 00:00:00
Product: Credit card or prepaid 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: CO

Complaint narrative:
Capital One is not helping me with my dispute. They continue dropping my claim stating that they don't have sufficient documentation to start the claim. I have provided every single document that they asked me for to prove that I'm entitled to a full refund. They don't want to take the initiative to help me. I tried to resolve my problems several times with the merchant ( XXXX ). They have very poor customer service and they don't want to deal with me. This is why I've opted to go through my credit card company and submit a dispute through them instead. I have all the documentation that I could forward to you in order to validate my claim per your request. 

Thank you

Company response to consumer: Closed with explanation