vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
First federal credit control is trying to collect a debt from womens personal physician when there should not be a balance as services were not rendered. I refused services and did not sign a hippa concent for womans personal to send or sell my medical information to first federal credit. I want this to be deleted as I am disputing the amount as they can not prove any services were rendered nor is there any contract for services nor any hippa disclosure. They are reporting a closed account as open to XXXX, Which is inaccurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I called and asked that the debt be removed off my credit report but was told that it has to stay on my credit report for 7 to 10 years. This call was place in XXXX of 2022. It is being reported on credit report as being open in the amount of {$500.00} balance. The account has been paid off for over 5 years. I need this to be removed from my credit report because I do know owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
A payment was sent to Comenity Bank for the full amount of the monthly balance due on XX/XX/2022, but they did not apply it to my account. I had it disputed with XXXX bank ( See attached letter and outcome ). I made the full payment after they returned it to my bank account. Since then, they have charged me interest for XXXX months ( the second month on a ZERO balance ). I have disputed it with them beginning XX/XX/2022, been on the phone and writing in the message center- which is the ONLY way they accept written and documentation, but I have yet to get this straightened out after 2+ months of hours and hours, and days and days - speaking with multiple representatives of this company. They are fully aware that after they did a system update in XX/XX/2022, they have had multiple, and serious problems with their system - which still continues as of this writing and have not responded positively to me, or offered any recompense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive submitted multiple disputed to XXXX, Equifax and XXXX to remove several items from my consumer report and they are refusing to abide by my federal protected rights. Ive called XXXX multiple times they said they could not remove the security freeze they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed -Sent dispute letters XXXX XXXX and still have errors on my report 15 USC 1666b late payments from open ended credit plans cant be reported -Dispute was to remove the late payment which wasn't late but still have not fixed it 15 USC 1681 ( B ) must have written permission to furnish on my behalf -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages -Have n't been able to purchase a house due to error on my consumer report 15 USC 1681 ( a ) ( 4 ) right to privacy -Did not give consent to repost items to consumer report 15 USC 1681 ( b ) must follow reasonable procedures -Sent out unfreeze letter to XXXX  multiple times and still wont unfreeze my account 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported -Items was reported that i used my social to obtain 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive submitted multiple disputed to XXXX, XXXX and Experian to remove several items from my consumer report and they are refusing to abide by my federal protected rights. Ive called XXXX multiple times they said they could not remove the security freeze they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed -Sent dispute letters XXXX XXXX and still have errors on my report 15 USC 1666b late payments from open ended credit plans cant be reported -Dispute was to remove the late payment which wasn't late but still have not fixed it 15 USC 1681 ( B ) must have written permission to furnish on my behalf -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages -Have n't been able to purchase a house due to error on my consumer report 15 USC 1681 ( a ) ( 4 ) right to privacy -Did not give consent to repost items to consumer report 15 USC 1681 ( b ) must follow reasonable procedures -Sent out unfreeze letter to XXXX multiple times and still wont unfreeze my account 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported -Items was reported that i used my social to obtain 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation

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 2022-10-05 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: FL

Complaint narrative:
I have disputed this error now a few times and XXXX is not addressing my dispute. This is inaccurate and false XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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:
XXXX XXXX XXXX XXXX is trying to collect a debt from womens personal physician when there should not be a balance as services were not rendered. I refused services and did not sign a hippa concent for womans personal to send or sell my medical information to XXXX XXXX XXXX I want this to be deleted as I am disputing the amount as they can not prove any services were rendered nor is there any contract for services nor any hippa disclosure. They are reporting a closed account as open to Transunion, Which is inaccurate information

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 2022-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a missed call on my cell phone. I called back and a gentleman answered. I told him I had a missed call. He asked me if my name was - I said it was 35 years ago. He said Im with Citibank. We sent you a letter XX/XX/XXXX and you ignored it and you have a court date XX/XX/XXXX. I said I have no idea what you are talking about.. he got really nasty and said I CANT HELP YOUR XXXX. i hung up. I truly have no idea what he is talking about.

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 2022-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Since moving into my home, I have had issues with XXXX the management company of my HOA. The account number they gave me was invalid thus making it difficult for me to pay online. They did not send statements and so was it incredibly difficult to confirm the payments until the quarterly statement arrived right before payment was due. I then started sending the payment through my credit union 's bill pay to ensure timely payment. In early 2021 I received a noticed that I owed a {$70.00} payment. I informed the XXXX that I would research with my bank since my statement showed that the payment went out. With COVID still in effect it was not business as usual at the credit union so it took a couple of weeks to get the report. Soon after I sent the payment details, I received a letter from the attorney for the HOA. The amount had grown to {$480.00}, I sent them the details from the bank and the amount grew then to {$860.00}. I then overpaid my HOA fees and was running a credit but that did not matter to the attorneys. Even with all that the amount then grew to {$3200.00}. This is when I decided to get an attorney because they were threatening a lien against my home. 

Unfortunately, the nightmare was just beginning for me. The attorney noticed that the lien was not properly executed and that the HOA attorneys had violated a Florida law and the Fair Debt Collection Act. XXXX XXXX  never contacted me to see if the debt was valid. They instead paid the {$3200.00} and added it to my escrow which in turned messed up the negotiation that my attorney was working on. I only learned about this because one of the attorneys in the HOA law office felt sorry for what had been done to me and contacted my attorneyXXXX XXXX XXXX never called and never provided a letter, phone call, or an email on the matter. We had to file a Fair Debt Collection lawsuit and I advised them providing the case number. They called and said that they would put the account on pause while I worked out the matter. Sadly, they continued to call me five times a day and loaded the account with late fees. They also reported me late even though I continued to make payments every month. I've written twice to their corporate office and sent several emails. It is always the same the form letter stating that customer service will look into it followed by a letter two weeks later stating we looked into it and the HOA lawyers gave us ten days to render payment to them. I believe ten days is enough time to contact your customer by letter, email, mail or phone. They have been bullies, they answer is always WE ARE BIG and you are not.

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My personal information was breached through the internet and has affected unemployment claim, and utility services ( phone, XXXX and cable ). I have been unable to retrieve a copy of my credit report. My mail is not being received and has been reported as well.

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 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( 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 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 2022-10-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( 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 2022-10-05 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:
In accordance with the Fair Credit Reporting act CXXXX XXXX # XXXX ( XXXX 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 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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My personal information was breached through the internet and has affected unemployment claim, and utility services ( phone, XXXX and cable ). I have been unable to retrieve a copy of my credit report. My mail is not being received and has been reported as well.

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 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One failed to validate a debt and sent me threatening letters I am rescinding my credit due to unfair business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/21 IRS sent a THIRD ECONOMIC IMPACT PAYMENT XXXX XXXX XXXX direct deposit {$2800.00} to J P MORGAN BANK ( XXXX ) XXXX Routing number XXXX Account number XXXX But, this is not our account. 
We notified IRS. IRS sent us a letter with a J P MORGAN BANK phone number, and told us to solve ourselves. 
We called J P MORGAN BANK, and they refuse to trace, also they told us called back to IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I and the other residents that lived in the XXXX XXXX XXXX homes in XXXX, Texas received a phone call on XX/XX/XXXX from " XXXX XXXX '' with " Rent Recovery Solutions '' stating that I had to call her back immediately as it was very important. I dismissed this as any other spam call. 

My roommate contacted me about an hour later stating they had received the same call. My roommate had conversed with " XXXX XXXX '' trying to find out what she meant. She said that we owed the XXXX XXXX XXXX a payment of {$480.00} and that the apartment homes sent us to the collections agency. She stated that if we do not provide proof of payment, then all of our credit scores will be affected. 

The amount she stated was the exact amount that my roommates and I had paid in full to XXXX XXXX XXXX on XX/XX/XXXX. I contacted " XXXX XXXX back and had a similar discussion that my roommate had. I stated that I had picture and email documentation that this has been paid. I then asked if I could email the proof and she said that I would have to mail any documentation to " XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ''. I then disconnected the call to contact XXXX XXXX. 

I spoke with the representative at The XXXX XXXX XXXX about the balance. She looked up our information and she stated that they include notes on their documents that also have dates included. She stated that we have completed the payment of {$480.00} via Money Order and was scanned in on XX/XX/XXXX. I asked if they had accidentally sent us to collections and she said that they did not do that. I asked what collections agency they use and she said XXXX XXXX. This threw up red flags immediately, as this is not the debt collection agency that contacted my roommates and I. We then proceeded to contact XXXX XXXX and spoke with one of their representatives. This rep. confirmed that XXXX XXXX has no record of any debt for my roommates and I in their system and that they DO NOT work with Rent Recovery Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I opened the account and I wasn't told about their overdraft fee nor was I told that they will go into my account and transfer money out of one of my accounts without my prior authorization and place it into another account to recover any other fees. This is fraud and this is theft. Navy federal made my account negative because the transaction was posted to my account Last week and then Navy federal posted the money back to my account for availability so I did not know the transaction wasn't completely making me in the negative balance. But this just occurred on XXXX XXXX, and the next day on XX/XX/2022 they Fraudulently transferred my money out of my account. Send me an email with a response as well as an ACH deposit to my account for the Consumer violations within 5 days of receipt of this letter. The mailing address is XXXX XXXX XXXX XXXX Mississippi XXXX. My Location of Information is the above mailing. I have XXXX XXXX XXXX XXXX MaXXXX because that is my area of location where I work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
About mid-September my husband, and I began receiving DAILY robocalls from Monterey Financial Services ( XXXX ). We have no account with Monterey, nor any outstanding debts. The robocall stated that by listening to it, we were admitting to having an account with Monterey ; and when we call, we should make sure no one could hear us before giving them private information. There was no other information given about this alleged debt, and we weren't addressed by name. I looked them up online, could not find any further information except for a phone number ( XXXX ). I called this number, but needed to have an account number in order to be connected to someone. We do not have an account. I then checked the XXXX XXXX XXXX  and got their address. ( Monterey Financial Services, LLC, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). I have made no further attempts to contact them. 
As I stated above, we have no account with them. We have not heard of them or from them before and have received no other communication from them with any specifics. 
All the calls have been made to our landline home phone and continue daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX responded quickly removing the account information that was inaccurate. XXXX, and Equifax has not removed the information and its has been passed 4 days since they had my ftc report, personal statement, proof of identity and the identification of the accounts that are inaacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: WA

Complaint narrative:
XXXX XXXX contacted me without disclosing their intention of the call, left no voicemail. I called back and communicated with a representative about the alleged debt and stated that I do not owe the debt. The agent asked for information about the nature of my relationship with alleged debt original holder, the agent did not provide notification or inform me of my rights, that is required by law. I requested documentation and verification of the alleged debt, the agent did not provide any information about the debt other than the amount and original holder when I requested specific factual details about the alleged debt. Several days later I received a notification about my credit report having a new collections account from the collections agency XXXX XXXX.

Company response to consumer: Closed with explanation