vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: NM

Complaint narrative:
Today on XX/XX/XXXX I called IQ Data international to ask about two collections I have. I wanted information on what each charge was and why each charge was there. My other question was going to be about why every six months IQ Data International would restart the collection since XXXX. I called and was connected to a man named XXXX XXXX who I have spoken to once before back in XXXX of XXXX. When asking about the charges XXXX said that one was for a deposit fee, and the other from the apartment company. When I asked what my lowest monthly option was XXXX said I had to qualify. We went over all income and things of that nature when completed he said I would need to pay a charge between $ XXXX {$690.00} in order to start the lowest payment of {$50.00}. I said well isn't that half of what I owe you he said no you owe {$1600.00} and the $ XXXX {$690.00} is a security of payment. When I said that's crazy that's what the last unit manager told me and he said yes that was me. I then asked to speak to someone else or a supervisor he said he is the only unit manager of the company and that the boss doesn't speak with clients only handles written complaints. Wee then argued about that and the negotiation process I stated I had spoken to a lawyer who said prices can be negotiated XXXX said I was given false information and that if he was giving me false information he could lose his license. XXXX then yelled that he had that me say me piece which he didn't had that he was going to push the documents threw and then hung up. When calling back to file a complaint I was connected again with XXXX XXXX who stated that IQ Data 's HR doesn't handle complaints nor does the companies boss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: NC

Complaint narrative:
I sent a letter off on XX/XX/2022, to remove information that I don't want on my credit report. I have the right to privacy. Also, according to 15 U.S.C 6802, No Financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian XXXX and XXXX failure to respond and are not complying with their own policies in a timely manner.

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 2022-07-12 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 an 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 2022-07-12 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: PA

Complaint narrative:
Date Credit card was open XX/XX/2022 I made my first purchase for {$170.00} XXXX XXXX, XXXX XX/XX/2022 I called to pay the balance off, spoke with a representative, who I ask, what method of payment can I used, representative said bank information only ( PULL THE CALL ) capital one restored amount available back to {$200.00}. 
I made another purchase, this time {$100.00}. 
Received a letter from Capital One stating : XXXX XXXX XXXX payment return on XX/XX/2022 due to invalid account number I have been established for 6 years with my bank never this problem. 
XXXX  manger XXXX XXXX on XXXX XXXX who place an investigation case number XXXX XXXX said someone will contact me with the result. I did not receive a response. 
I call back s/w XXXX ID XXXX XXXX who said that I gave the 2 sets of bank information number very interest call he kept contradicting his opinion on the matter ( pull the call ) I could not understand why my bank information was invalid I call my bank, the XXXX said account show no electronic payment ( I have the letter head from the bank ) I called capital one to receive some clarity and spoke to a Representative who couldnt tell me no more than what I am telling her? ( Pull the call ) account invalid. 
I told the representative that I want to clear the balance I use XXXXXXXX XXXX XXXX information. amount XXXX on XXXX XXXX THAT payment was return XX/XX/2022 no transaction code I spoke to a supervisor XXXX ID # B XXXX on XXXX XXXX ; I asked her if we could do a conference call with XXXX ( pull the call ). She said yes so thats how WE found out that XXXX XXXX only allows electronic payments for Direct Deposit. 
supervisor looks up different location for capital one, XXXX XXXX XXXX made a payment of {$50.00} that day on XXXX XXXX Payment billing cycle is due XX/XX/2022, Capital one close the account XXXX XXXX Capital, one has me as fraud after speaking to numerous representative and supervisor ( no one care ) STEAL, why would I call in trying to make payment on account? 
a representative took the wrong account number down and she caused my account to be closed. 
No one will listen to me and trying to receive assistance from Capital one is impossible. 
Capital one does not care about their customer Me. 
Capital one close my account on XXXX XXXX XX/XX/2022 place my account collection place on my credit report. 
payment not due until XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 2022-07-12 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 XXXXXXXX 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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank approved my account and I qualify for a cash bonus in the amount of {$300.00} for making a {$15000.00} to that approved account. Now, Citibank refuses to honor the terms of the promotion they advertised when I first signed up and are making excuse after excuse to deny it. I have screenshots of the terms, a video recording that I took when applying for the promotion ( as the terms outlined ), chat logs, emails and voicemails- indicating Citibank is using this promotion to lure customers to their platform - and then refuse to honor the terms outlined. This evidence suggest that Citibank is aiming to expand their client base under false pretenses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
Company tried to draft money from my checking account for XXXX. 
Bank caught this and brought to my attention, I denied the charge. XXXX does not take checks. according to form, amount is {$1.00} They have tried to call and have sent several communications asking for my social security number and my pic of my drivers license, which I did not send. 
Send letter back telling them I did know what this charge was for and I don't write checks to XXXX. They have a fraudulent check number. 
I need to have them stop contacting me,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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 XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXXccount # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX 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 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 2022-07-12 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX 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 2022-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
I received a summons to small claims yesterday for two emergency medical bills accrued during the pandemic and that also fell in a grey area when looking at what my Medicaid covers retroactively. I spoke with the debt collectors in XXXX of this year to explain that. After no further contact, I thought Medicaid covered one or both of the accounts. I definitely did not think Id be sued, given I had made recent payments on other accounts and had long standing unpaid accounts that werent attempted to be collected as aggressively. Both the collector and his supervisor made disparaging comments to me about my financial state and laughed while saying he cant wait to see me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my car was broken into at the time i was XXXX  and still am.. my ID birth cirtificate social security debt card were stolen including much more. someone used my info at a bank and withdrew my money. XXXX bank of america has been refusing my claim within 10 hours everyday since XXXX XXXX they are making me feel like a criminal and are cause hardships in my life. im XXXX  hungry and cant work. 
unable to pay for medications. my life is ruined at this point all because bank of america ive sent police reports letters and identity theft paper work. and still an instant denial... please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX and XXXX failure to respond and are not omplying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX around XXXX pm EST, I spoke to XXXX in the XXXX XXXX department XXXX XXXX XXXX who informed me my XXXX XXXX XXXX XXXX account was closed due to a false fraudulent claim put in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that a wire transfer was made on XX/XX/XXXX was " Fraud ''. 

XXXX # XXXX TRN # XXXX XXXX # XXXX of XX/XX/XXXX However, the attached documents prove XXXX XXXX XXXX and willingly wired those funds to XXXX XXXX AND she received 7 months of service as well as over $ XXXX in salary while also working for XXXX XXXX XXXX Sister XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX Fraudulently filed this claim with J.P. Morgan only after her request for refund and program cancellation sent to XXXX XXXX XXXX XXXX on XX/XX/XXXX was DENIED due to the contractual agreement that XXXX was not owed any refunds. She was offered an opportunity to address this civil matter in XXXX XXXX but knew she would lose so she instead LIED to J.P. Morgan and fraudulently had them STEAL money from my account. XXXX also knew she was intentionally lying to J.P. Morgan 's Fraud Department because she wanted a refund she was not owed. 

XXXX XXXX or J.P. Morgan NEVER attempted to complete a thorough investigation of this matter which would have revealed this was a " FALSE CLAIM '' against my business which has signed contracts the person knowingly and legally entered into a business contract for services with my company and received SEVEN months of service as well as was employed THREE months with my company so any claims would need to be addressed in XXXX XXXX 

The bank is not allowed to settle civil disputes NOR is it allowed to STEAL money my business earned from my account and cause my account to be shut down over a FALSE, & Not PROVEN accusation. Furthermore under several sections of the Uniform Commercial Code Law civil matters between businesses are to be handled in civil court and here in GA this could be a civil court matter as the amount in question is under {$15000.00}. 

Furthermore, this act of aggression on the behalf of XXXX XXXX was due to being terminated by my XXXX  as an employee for stealing company time and choosing to leave the XXXX XXXX XXXX However, after 7 months of participation, she has no legal right to LIE to her bank in order to get the money paid for services. 

I have also filed a CFPB complaint against my bank regarding this matter. If this matter can not be amicably resolved my legal counsel and I will pursue this matter in XXXX XXXX and all parties involved including J.P. Morgan will be sued for damages including the business interruption this theft of funds has caused and the emotional pain and suffering this matter has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required.

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication.

Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to
paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX and XXXX failure to respond and are not complyinh with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Hello I got this card with the promise that they will give me XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX they never gave me the XXXX and keep throwing me back and fourth finaly they said it's on XXXX XXXX but it's not i tried very hard to get them to honor their promise XXXX tells me to call American Express and American express tells me to call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: NC

Complaint narrative:
I sent a letter off on XX/XX/2022, to remove information that I don't want on my credit report. I have the right to privacy. Also, according to 15 U.S.C 6802, No Financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2022-07-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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