vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
On or about XX/XX/22 we received a bill for {$1200.00} the total amount due from Capital One for a XXXX XXXX XXXX. We paid of the entire balance which was received by them on XX/XX/22. Now we received a charge for {$19.00} for interest due on a XXXX dollar balance. I now see how see how these big companies pray on the senior citizens.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights.

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

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an 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 for 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 2023-01-16 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: FL

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. 

Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX XXXX account number : XXXX Account name : XXXX. XXXX, XXXX - account number : XXXX Account name : XXXX XXXX  XXXX account number : XXXX Account name : XXXX XXXX XXXX - account number : XXXX Account name : DEPT OF ED/XXXX  - account number : XXXX Account name : XXXX  - account number : XXXX These accounts have violated my rights.

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

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an 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 for 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 explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC
State: CO

Complaint narrative:
XX/XX/XXXX Received letter from MiraMed Revenue Group : enclosed XX/XX/XXXX I sent a certified letter containing a photocopy of the original check, a photocopy of the bill with the duplicate check attached, a page from my XXXX XXXX XXXX checking account monthly report ending XX/XX/XXXX showing the check was cashed on XX/XX/XXXX, and a page from my XXXX XXXX XXXX checking account monthly report ending XX/XX/XXXX showing the check matched the check photocopy I included. 

Included : XX/XX/XXXX showing the check was written so they could fix the mistake. 

Included : XXXX XXXX report showing XXXX XXXX XXXX XXXX submitted claim for my XX/XX/XXXX XXXX XXXX. 

XX/XX/XXXX email requesting name of original creditor since it was filed with them with the name of XXXX XXXX XXXX, account XXXX. I have never heard from that company nor received any communications of any sort from them. 

XX/XX/XXXX Dated XX/XX/XXXX answering my XX/XX/XXXX original creditor request. Also giving me a deadline of 6 days to pay them which is impossible and I don't owe it. 

XX/XX/XXXX Dated XX/XX/XXXX acknowledging XX/XX/XXXX email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: ID

Complaint narrative:
I have uploaded and sent, fax, information under law about the fair act with the credit bureaus and the information is incorrect of accounts and inquiries that are not mines. And they haven't removed nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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 2023-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I made my XX/XX/XXXX mortgage payment for {$6400.00} on XX/XX/XXXX which was a XXXX  and the payment posted on XX/XX/XXXX and TD has reported me 30 days late to all credit bureaus. I was in the middle of applying for a loan for some education expenses for my son and now I am unable to do so. I did make the cash payment on XX/XX/XXXX at the branch where the phone representative indicated that I would have been 29 days past due and would like to see if TD can correct this in my reports. I have included a copy of the branch payment receipt for my mortgage. It states my payment was made at XXXX XXXX  on XX/XX/XXXX however I assure you that I physically made that payment on XXXX XXXX  on XX/XX/XXXX. The person at TD that took my payment said there would be a record in the system that I did physically pay it on XX/XX/XXXX. I will make sure going forward that I make my payment earlier in the month to not cut is so close with the 30 days payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had a auto loan with Wells Fargo, one month XXXX sent them a auto payment it was returned the next day. XXXX says it was Wells Fargo who sent it back Wells Fargo says it is my bank. I just want it off my credit i XXXX said they would take it off, but Wells Fargo is reporting it. Wells Fargo will work with me at all they have just been hanging up on me.

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 2023-01-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
On XX/XX/22 I requested a refund from MOHELA on all payments made during the COVID payment pause. The total amount owed was originally {$1500.00}. After weeks of conflicting customer service information and misleading timelines I filed a CFPB complaint ( case number XXXX ). In XXXX a refund for {$260.00} was received ( and added to my balance ) however customer service representatives were unable to explain why I had not received my full refund. MOHELAs CFPB response did not address this difference despite it being outlined in my original request. Attached is a record of payments made during XXXX to XXXX, my original servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: U.S. Auto Credit Corporation
State: MD

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Maryland XXXX. 



Subject : CHARGE-OFF DISPUTE Account : US Auto Credit To Whom It May Concern, Going over my credit reports ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. See. Account Above Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ).

1. Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. Please provide a copy of the written agreement ( bearing my signature ) that created the requirement to pay and stipulates your terms for a delinquent account ; 2. Provide a copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with the alleged debt ; 3. State the maximum delinquency and when it was charged-off ; 4. Provide according to your records when this alleged debt became due and when it became delinquent. Please provide the five personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security Number ( not truncated ) ; 5. Identify the date of the last payment made on this account and the amount of that payment ; 6. Provide how you made a determination that this alleged debt is within the statute of limitations applicable to it. Provide when you think the statute of limitations expires for this debt, and how you determined that ; 7. Describe in detail your firm 's charge-off procedures as they apply under the Sarbanes-Oxley Act of 2002 ( Pub.L. 107-204, 116 Stat. 74 ) ; 8. Provide an itemization showing the dates and amounts added to each billing statements ) ( an additional interest, fees, or charges ). In addition, explain how the added interest, fees, or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law ; 9. Provide an itemization showing the dates and amount of each reduction or payment that was accrued in your firm 's charge-off procedure ; 10. Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed ; 11. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC
State: VA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 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: DISCOVER BANK
State: MD

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX  XXXX. 



Subject : CHARGE-OFF DISPUTE Account : Discover bank To Whom It May Concern, Going over my credit reports ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. See. Account Above Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ).

1. Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. Please provide a copy of the written agreement ( bearing my signature ) that created the requirement to pay and stipulates your terms for a delinquent account ; 2. Provide a copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with the alleged debt ; 3. State the maximum delinquency and when it was charged-off ; 4. Provide according to your records when this alleged debt became due and when it became delinquent. Please provide the five personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security Number ( not truncated ) ; 5. Identify the date of the last payment made on this account and the amount of that payment ; 6. Provide how you made a determination that this alleged debt is within the statute of limitations applicable to it. Provide when you think the statute of limitations expires for this debt, and how you determined that ; 7. Describe in detail your firm 's charge-off procedures as they apply under the XXXX XXXX of XXXX ( Pub.L. 107-204, 116 Stat. 74 ) ; 8. Provide an itemization showing the dates and amounts added to each billing statements ) ( an additional interest, fees, or charges ). In addition, explain how the added interest, fees, or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law ; 9. Provide an itemization showing the dates and amount of each reduction or payment that was accrued in your firm 's charge-off procedure ; 10. Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed ; 11. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 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: SC

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: SCA Collections, Inc.
State: GA

Complaint narrative:
Notice to Intent to SCA Collections, While viewing my consumer report, I notice you furnished a collection account to my consumer report. However, during the process of you obtaining or purchasing this account from XXXX XXXX XXXX the original creditor, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process, I was an uninformed consumer and FDCPA, FCRA AND HIPPA laws were violated. That fact the privacy has been violated and this account being furnished is affecting my livelihood and reputation.

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 2023-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I got a loan through XXXX which the loan is through Global Lending Services they h keep reporting on my credit report late payments which I sent a letter to them explaining that late payments on a consumer report is illegal and fraudulent and they need to delete it off my credit report from all credit bureaus all they sent me is bills and what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase have had my account froze for XXXX weeks now ever since I deposited a cashiers check in my business account. The XXXX check cleared and was paid on the XXXX but their teller me they need to speak to the maker to make sure its a good check. The maker of the check also has chase, meaning they should be able to contact this person with no problem. So basically my account have been restricted for XXXX weeks and their telling me if they dont talk to the maker my account will automatically shut down in XXXX to XXXX business days. The check was paid out on XX/XX/XXXX so why am I suffering because they cant contact the maker?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
upon pulling my credit i noticed i had a credit card from capital one bank # XXXX XXXXhat was opened fraudulently in my name XXXX only noticed cause i attempted to apply for credit card with your company and it said i had XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I was shopping online XXXX. Had a TV in my cart, applied at Affirm. Was approved, decided not to purchased and did not purchased the TV. Affirm has billed me and after multiple calls and letters, they still refuse to refunded my money. I've been making payments since XXXX. XXXX has tried several times to let Affirm know there is no purchase record of a TV but they have ignored their requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX i noticed my phone and wallet had went missing and XXXX next couple days as i contacted all my cards and everything i lovged in and seen a charge for the amount of {$1000.00} dollars from a merchant called XXXX XXXX  i did not make this charge i reported it to the authorities as well thr company cash app and they said the dispute was denied but this is wrong!! My pin number and everything were on the corner of the back in XXXX  because i would forget please belp me with this situafion i can not afford to lose that much money and i dont know if i need to get a lawyer or not.

Company response to consumer: Closed with explanation