vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One, 360 XXXX  account. I have had security concerns for about a year regarding why the online security settings could be changed without me changing them because this is an individual account. Recently I made XXXX Capital One, credit card payments. What occurred was a total of XXXX payments were debited from my checking account. I made a {$200.00} credit card payment to my son 's credit card. There was also a {$250.00} payment applied to my son 's credit card that was withdrawn from my checking account causing a negative balance. I contacted Capital One, requesting the {$250.00} payment be applied back to my checking account. I was informed that a dispute would have to be created, but the funds would be applied back to my account. I received an notice from Capital One, regarding their investigation that they claim I authorized the {$250.00} to be applied to my son 's credit card and I also authorized a electronic payment for {$250.00} to a XXXX XXXX XXXX, routing number XXXX, XXXX account # ending in XXXX, showing XXXX XXXX # XXXX, XXXX XXXX # XXXX, dated XX/XX/2022. I did not authorize any external payment of any kind and I do not nor does my son have any banking relationship with XXXX XXXX Bank. It shows proof of electronic payment - case ID : XXXX. I also received another notice informing me that on XX/XX/2022 a transaction for {$6.00} was declined due to my checking account has a negative balance. I did not attempt to make any purchase from my Capital One, checking account on XX/XX/2022 for {$6.00}. I knew their was a problem with my checking account that I was attempting to resolve the issue and did not use the account under any circumstances. I would never consider having funds debited from my account knowing it's in the negative {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request a dispute of hard inquiries on my credit report with Experian and was told by management team members that I could not dispute the inquiries and that they would have to remain on my files for XXXX years. I said these companies I have not requested services from. The team member said let me tell you how it works, at which point I ask to speak to her XXXX. who also said XXXX you have these inquiries from shopping at XXXX and purchased a vehicle in XXXX of XXXX the dispute was not filed, I reviewed my history with XXXX only to learn my purchase was only with their company because they have their own financing within the company. and my vehicle was purchased on a different date than what's on my credit report. I feel as a consumer I should have the right to file a complaint regardless of the outcome. and I don't think these people are lawyers.

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 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Checking fifth third bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Telfono : XXXX XXXX VS_______________ Fifth third bank XXXX chain XXXX XXXX XXXX GA XXXX # cuenta XXXX Collection Departaments fifth third bank ge into my account without authorization and get money At the moment in my behalf I contact them XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Fifth third bank summit a bank transfer without my unthorization. I contact them and their allegations is that own them money from my car loan which is just current pay. The withdrawal the amount XXXX. I request money back. 
Thanks for you prompt answer To your success. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a complaint and tried to dispute it through credit karma, but nothing happened. I have an collection on my account that was supposed to come off but never did. I paid it already, and the addresses on my report are outdated.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a complaint and tried to dispute it through XXXX XXXX, but nothing happened. I have an collection on my account that was supposed to come off but never did. I paid it already, and the addresses on my report are outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
On XX/XX/2021 ambulance service responded to a call from XXXX, I had a case of low blood sugar but I did call them because it happens often in a checkout line. .Ambulance service wanted to medically kidnap me. i declined there service and had to talk to someone and sign off so they would not be liable. Days later I gat a bill in the mail XXXX I LET THEM KNOW I DID NOT CALL THEM AND DECLINED SERVICE. THEY SAID THEY HAVE TO CHARGE ME FOR THE SERVICES THAT I DECLINED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received my escrow analysis dated XX/XX/XXXX. There was an overage of {$3600.00}. It clearly stated that I had until XX/XX/XXXX to request the refund. 

I called XXXXXXXX XXXX on XX/XX/XXXX to inquire how/to whom I should send the request. I spoke with XXXX. He instructed me to email a letter, signed by my husband, with the account number in question to " XXXX ''. I emailed the letter on XX/XX/XXXX. 

I followed up on XX/XX/XXXX via phone and spoke with XXXX. He instructed me to resend the email to the same email address. I resent it. 

On XX/XX/XXXX I followed up via phone and spoke with XXXX. He instructed me that no notes were taken on the last two calls. XXXX said that he was a " supervisor '' and that he would get it straightened out and a check sent. 

on XX/XX/XXXX I followed up by phone and spoke with XXXX. She sent me a confirmation email that they had indeed received my email with refund request letter. She said that she would call me back with an update. 

on XX/XX/XXXX I followed up via phone and spoke with XXXX. She read the notes, put me on hold several times, and then proceeded to tell me that " they needed the refund request letter by XX/XX/XXXX '' and that I would have to wait for the next escrow analysis because I had missed the deadline. I instructed her that the letter clearly states " XX/XX/XXXX '' is the deadline and that I sent it in on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and received a confirmation email of XX/XX/XXXX. I did not miss the deadline. XXXX insisted that someone would call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: LA

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 Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 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 of 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. 

XXXX and Transunion is not following the ( FAIR CREDIT REPORTING ACT ) they do not want to remove these inaccurate accounts. The attachments Im submitting to you are from XXXX following the ( Fair CREDIT REPORTING ACT ) showing you that they Delete the inaccurate Accunts.

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 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I obtained a copy of my credit report in XXXX of 2022, I noticed inaccuracies and sent out disputes to said companies, it has now been 3 months and the debt has not been validated according to the FCRA, debt that is not verified or validated after 30 days is to removed from credit reports immediately. This company also calls me regularly for a debt that is not mine and it is at the point of harassment which I do not take lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), and XXXX XXXX ( Acct # XXXX ) have violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 section 604 A Section 2 also states that 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 explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates is in violation of 15 USC 1692c ( c ). I sent them out a letter stating that I want them to CEASE AND DESIST all communications with me through all mediums. I called three times and it was confirmed by three employees of PRA stating, that they put that letter in the system XX/XX/2022. So they are well aware of my cease and desist letter. I spoke to a young man name XXXX, identification # XXXX ON XX/XX/2022 at XXXX am. I asked him if he was on a recorded call and he said yes. I asked him why do portfolio recovery continue to contact me knowingly that they are violating the FDCPA. He didn't have an answer for me. I let him know that I have enough evidence to file a civil suit or further against them. I will be moving forward with that. The evidence that I uploaded shows the date that they sent me that letter which it states XX/XX/2022. They knew they were not supposed to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also state 's a consumer Reporting agency can not furnish account with out 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 2022-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Afterpay US Services, LLC
State: TN

Complaint narrative:
This company took a payment from a card I had removed as a payment method for this account. I removed the card due to only using this card for rent. They put it back on my account themselves and proceeded to remove rent money from this card after I REMOVED IT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have a personal credit card in Chase Bank. I have used promotional APR for balance transfer, so I have lost my grace period for purchases. 
The due date is XXXX of the month. 
On XX/XX/XXXX I have paid XXXX dollars of minimum due for the previous statement. 
On XX/XX/XXXX I have made XXXX purchases with total amount of XXXX. And after XXXX XXXX on XX/XX/XXXX, I have made a payment of XXXX dollars. But this payment was applied to balance transfer amount ( which has promo APR 0 % ), not to purchase ( which has APR 23.99 % ). Chase Bank employee told me that I had to wait until statement and only then and after minimum due payment I can pay the purchase amount. 
I believe it's not fair. After the bank starts charging interest, client should be able to cover his purchases with additional payments without waiting for the end of billing cycle. The current practice of Chase Bank is taking advantage and violates the rule of excess payment application on the highest APR balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MO

Complaint narrative:
On XX/XX/2022 EdFinancial posted a notice to my account with the heading " your account is past due! '' and the enclosed message claiming, " Our records indicate that your last scheduled payment has not been received, and your account is now 11 or more days past due. We urge you to make a payment and resolve this past due status quickly. '' Furthermore, they try to promote their XXXX system by claiming, " Additionally, while your account is in an active repayment status and enrolled in XXXX you will receive an interest rate reduction of 0.25 %, '' which is misleading on multiple levels, being that accounts are NOT in active repayment status, as the student loan pause is currently ongoing and in effect, and the interest rate has been set at 0 % for the duration of the pause ( ongoing for 2 years now ). Their site is riddled with conflicting and confusing information. They also still reflect on their payment tab that I will have a payment due on XX/XX/2022, even though the student loan pause is extended through the end of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
After being on a COVID relief plan for 18 months, I was presented by USBank with the option of extending payment deferments. I opted to continue for an additional month at which time I inquired about resuming payments. I was informed that I would then need to submit a loan modification application, which I thought was part of the normal procedures associated with COVID relief. After numerous phone calls, I was informed that the application was under review with an underwriter and a decision was pending. After a total of 2 months, I was given a letter stating that my only option was to pursue a short sale. It was not my intention or desire to lose my home after being on the COVID relief plan. It was never made clear that by extending beyond the 18 month deferment, that I would now be under Loss Mitigation, and would not be eligible for the protections provided by the Relief Plan. The only option provided other than the Short Sale was to make a Reinstatement Payment of approximately {$100000.00}.

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 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
I received a medical bill for {$650.00} from creditor XXXX XXXX XXXX XXXX In which I paid in full XX/XX/XXXX. Several months had passed, the check cleared my bank account. In XX/XX/XXXX, I noticed my credit score significantly decreased due to a collection account with Kansas Counselors collection company. I contacted them. They stated they had received my copy of the check and had sent it to XXXX XXXX XXXX XXXX and it took over a month for a response that the debt was still outstanding. I then disputed the false report with XXXX as well as XXXX credit bureaus and both claims were denied. XXXX XXXX XXXX XXXX still claims the debt is outstanding and will not remove it from my credit report. I have submitted a copy of the front and back of the check over 4 different times to them, the collection agency, as well as the credit bureau. The money was taken from my account. I can not get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit Bureaus stated that the information was verified and was accurate upon the completion of their investigation. How can this be true if the open dates are incorrect, the dates last active are inaccurate, the dates last reported are inaccurate and the balances are inaccurate. All of this incorrect information reporting on my credit is grounds for the accounts to be removed from my credit report. My rights have been violated under 15 U.S.C. 1681 section 602 A. States I have a 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 instruction. 15 U.S.C. 1681 section 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 information is incorrect. 15 U.S.C. 1681 ( a ) ( 5 ) states : no consumer reporting agency may make any consumer reporting containing any of the following items of information other adverse item of crimes which antedates the report by more than seven years.

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 2022-04-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 Accounts : XXXX & XXXX {$530.00} XXXX XXXX XXXX {$530.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$20000.00} XXXX XXXX- {$9100.00} XXXX XXXX XXXX XXXX- {$14000.00} XXXX XXXX XXXX C- {$2100.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation