vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX, Capital One, XXXX and XXXX all showed up on my credit report as late payments and in collections. None of these accounts were opened by me. Capital One has 2 accounts for {$500.00} and {$1900.00}, XXXX has 2 accounts for {$900.00} and {$800.00}, XXXX has an account for {$500.00} and XXXX has an account for {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
CHASE AUTO BANK HAS BEEN OVERCHARGING ME IN LATE FEES AND HAS A NUMBER OF MISSING PAYMENTS THAT SHOULD HAVE BEEN CREDITED TO MY ACCOUNT BY NOW. CHASE BANK INCORRECT PLACEMENT OF MY PAYMENTS HAS CAUSED ME TO BE REPORTED LATE TO THE CREDIT AGENCY SEVERAL TIMES. CHASE 'S MISPLACEMENT OF PAYMENTS IS NOW IMPACTING MY LIVELIHOOD AND CAUSING ME TO BE MAJOR DEPRESSED. I have contacted chase several times about the double payments that I make in advance to get rid of the late fees and interest on the loan but chase will find any reason to apply for two payments as one payment even though I advise them of my purpose. of two payments are to pay my car payment in advance as I don't get work every month. For the month of XX/XX/XXXX, I made a payment from my corporate expense account and sent chase a copy of the statement chase informed me because it's not a regular account they could not verify the payment. 
please see the attached statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: AXOS FINANCIAL, INC.
State: OH

Complaint narrative:
On XX/XX/2022 my automatic payment of {$450.00} was scheduled, in addition I authorized an additional payment of {$500.00} for a total of {$950.00}. However, when they pulled the payments from my bank account on XX/XX/2022 they pulled two payments of {$450.00} and one payment of {$500.00} for a total of {$1300.00}. 

After contacting the company they have extensively tried to tell me that I set up 2 separate auto payments for the regular installment amount, which is completely untrue. They also insist that it will take 30 days for them to refund the unauthorized payment. It is completely ridiculous that a bank can hold my money, that they took without my authorization, XXXX for a month. They have repeatedly told me that it is the only thing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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:
According to 15 usc 1666b ( a ) It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose. 

Also I was not notified 21 days before the due date.

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 2022-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Service
State: AL

Complaint narrative:
Received a phone call from a representative who stated they worked for Alliance Collection Services a few months ago. Rep stated I owed {$370.00} for a medical bill. Rep requested my credit card info over the phone to take care of bill. I immediately informed the rep that I have no recollection of what debt she was stating I owed. I requested that they send me the information in writing to properly confirm it because I'm not comfortable giving my information over the phone. To date, the collection agency failed to provide me a written notice of the debt I owed. Feeding forward, I was served ( summoned ) a demand letter from XXXX XXXX XXXX at my place of employment which stated I was being sued by Alliance Consumer in the amount of {$600.00} ( includes attorney and court fees ). 

I called Alliance to gather more information on why I never received my written request to verify the debt. The rep stated that they mailed me a letter. I ask the rep to verify the address they sent it to. The address in which she provided wasn't my mailing address. They were sending the correspondence to the wrong address hence the reason I never was able to take action on the request to pay. I informed the agency that I will pay the {$370.00} in which I now see was owed ( in writing ) however, I want to make a complaint on suing me for debt without providing written notice prior to as I requested months ago. I want my money back for the additional court/attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/2022, I responded to an email offer from Citibank to apply for their XXXX  card and receive XXXX bonus miles after I spent what I think was {$3000.00} in the first three months. I was instantly approved for the card. Today, I called the customer service department to find out what amount of purchases I needed to make in what time frame to get the XXXX mile bonus. The woman who was helping me said there was no bonus offer on my account. I was then cutoff, and had to go through the computerized system again to get to another customer service agent. I believe I was speaking with the same person, and asked to speak to a manager. She said she would take notes, and then I was cutoff again. 

I am very clear that I responded to a marketing email specifically sent to me in my name offering the bonus if I was approved for the card. I am extremely dissatisfied that I have been told I am not getting that after spending several XXXX dollars on their card. I feel totally deceived and ripped off. I am also very unhappy that the person on the front line can hang up on customers who are trying to resolve a problem.

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 2022-09-20 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: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
Problem with XXXX and ford motor credit. This dept is going to be XXXX XXXX XXXX, ford reopened my account without any given knowledge or reason. XXXX is treating this as a new debt, by stating the fact that i had one missed one payment this month. This action not only had lowered my credit score. But a loan credit card i have, called XXXX, cut me off from using it. The card is paid well and on time, XXXX  is another complaint. The Statius of this credit card changed when ford motor reopen the old loan, and then first missed payment reported. Can you please do something to correct this situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have made several attempts to receive copies of documentation alleged to have been verified by TRANSUNION. As a consumer, my right to privacy has been grossly violated by TRANSUNION. It is the duty of the TRANSUNION to report accurately and I strongly challenge the validity of the information TRANSUNION is displaying on my report. 15 USC 1681 ( a ) ( 4 ) places the responsibility on TRANSUNION to respect my rights to privacy. Not only that, it is the responsibility of TRANSUNION to report fairly 15 USC 1681 ( a ) ( 1 ). Written instructions have not been supplied to justify the reporting and continued reporting of these accounts as required by law. 

Additionally TRANSUNION stated they investigated my consumer report. According to 15 USC 1681a ( e ) an investigation should NOT include information received from a creditor but from information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom ( s ) he is acquainted or who may have knowledge concerning any such items of information. TRANSUNION failed in their duties to properly investigate as defined by the code. 

TRANSUNION is to be held civilly liable for any actual damages sustained for willful non compliance as we as pure negligence according to 15 USC 1681n and 15 1681o. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/ XXXX ( all of them ) XXXX XXXX XXXX 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 2022-09-20 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: DISCOVER BANK
State: CA

Complaint narrative:
I recently reviewed my credit report, this account was opened without my authorization. Please send send a copy of the original application and a copy of identification used this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX, a federally protected consumer and natural person. I am aware of ALL rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX. XXXX, XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per 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 2022-09-20 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX, a federally protected consumer and natural person. I am aware of ALL rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX. XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per 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 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My application was not approved with the following reason : " We were unable to approve your application because we couldn't verify some of the information on your application. '' When I reached out to the credit card company ( which itself was overly burdensome ) they would not let me know what information needed verification and they wouldn't give me any other reason for the rejection.

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I had called in to CitizensBank to close my account due to no close branches near me. Whats the Customer service agent told me having a 2 account checking account and a savings account I should transfer all my money from my savings account to my checking account and then closing both account out. My account is closed but I never received my remaining balance in the account. I called numerous time every two weeks to check on the status each time through to someone new on the phone I have been told to just wait two more weeks waiting after 3 months is my max and I dont know what to do. Each time I tried to contact CitizensBank I have been told the same thing we apologize but your checking is coming please wait 2 more weeks. Also each time I called they confirm my address and as of today Im still receiving statements so Im sure they know my correct address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Financial Systems, Inc.
State: MS

Complaint narrative:
Good afternoon, I submitted a letter via the mail to the credit bureaus in regard to a medical debt in the amount of XXXX, Account number XXXX. The debt was paid directly to the creditor, however, Southern Financial XXXX is refusing to remove this debt. This is harming my credit ; I have my receipts and the letter from Southern Financial 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 explanation
Consumer complaint received 2022-09-20 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I recently reviewed my credit report, this account was opened without my authorization. Please send send a copy of the original application and a copy of identification used this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On Saturday, XX/XX/XXXX, XXXX XXXX XXXX XXXX, my in-law, attempted to deposit three ( 3 ) paycheck stubs to a Citizens Bank ATM XXXX The ATM accepted two ( 2 ) of the three ( 3 ) checks. Subsequently, XXXX XXXX XXXX XXXX, his son, XXXX XXXX XXXX, and I telephoned the Citizens Bank phone number on the back of his checking accounts debit card. The polite and courteous staff advised us that : we would need to wait three ( 3 ) business days to witness the posting of the transactions as the deposited checks were in pending mode. 
At that time report the matter again. 
no supervisors were available to override the Citizens Banks databases unduly restrictive policy of waiting for transactions to post before taking action. 

I corresponded via email to the Citizens Banks CEO and Board Chair, XXXX XXXX XXXX to alert him to the inconvenience. I requested an immediate response for Monday, XX/XX/XXXX, the first workday since the ATM transaction failure. My electronic letter was to avoid our considerable inconvenience to : wait for Wednesday XX/XX/XXXX at an hour available to reassemble XXXX XXXX XXXX XXXX, his son and myself dial and protract time for a telephone agent to present themselves on the line request a translator for XXXX XXXX XXXX XXXX authenticate the account with XXXX XXXX XXXX XXXX proceed with the complaint to : request adjustment to the third ( 3rd ) check fee to deposit as over XXXX dollars not three ( 3 ) cents as the receipt shows. 
Ensure that Citizens Bank fixed the local ATM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Debt is over 7 years old and was recently sold to a 3rd party company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: FL

Complaint narrative:
well I have inquiries on my credit report that do not belong to me, there are 11 inquiries, I have false names and addresses that do not belong to me as well as collections, I have called and disputed online, but it is very difficult because they do not know my right to dispute even my real name, telling me that the process went wrong and that it is 30 days, on the other hand that affects me having so much fraudulent information in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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 XXXX XXXX  Account # 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 2022-09-20 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, XXXX XXXX XXXX  Account # 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 2022-09-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently reviewed my credit report, this account was opened without my authorization. Please send send a copy of the original application and a copy of identification used this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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 XXXX XXXX  Account # 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 2022-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX XXXX  to Freedom Mortgage Corporation. During the process I sent extra 3 extra payments of {$440.00} to insure the new mortgage servicing company received timely payments. I didn't realize that drafts had already been put in place. When I realized the drafts were taking place, I made telephone calls and sent certified letters asking the additional payments be refunded. One payment was refunded but the other two payments have not been forthcoming despite promises that repayment would be made. 
XXXX, XXXX XXXX, Texas exempts XXXX veterans from county property taxes. After my last discussion on XX/XX/2022 with Freedom Mortgage, XXXX XXXX XXXX, I emailed a copy of the latest XXXX XXXX XXXX XXXX statement showing my exempt status and again requested a refund of the two overpayments. No response has been forthcoming despite Freedom Mortgage having my phone number, address, and email address. 
I request CFPB contact Freedom and any appropriate law enforcement agency and demand Freedom refund my payments. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation