vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I discovered my savings and checking account with Capital One were frozen and I could not withdraw any funds from them on XX/XX/XXXX. The bank sent no notice about freezing my accounts either. I called the bank to find out why and fix the problem. After hours on the phone I was told to call back. On XX/XX/XXXX i called the bank again and spent hours again on the phone with them to finally be told after verifying my identity that until their investigation is done I am denied access to my accounts. I told them I needed the funds in the accounts for today for my business or I will lose profits and risk losing accounts I have for the business. They still told me I could not access my accounts. They also refused to provide information of why my accounts were frozen or a time line for when they will finish their investigation. This is now costing me revenue and hurting my business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 has violated my rights. Or a list of inquiries : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 has violated my rights. Or a list of inquiries : 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.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN is writing false misleading information about my charged off account or paid off closed accounts.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-17 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
On XX/XX/2023 ( XXXX ) XXXX XXXX XXXX filed for XXXX  XXXX Bankruptcy. I was a paying customer for aligners, retainers and a life time guarantee on a satisfactory smile. I have been contacting the company and so I can buy new retainers my old current ones are very old now and the company XXXX always advised me to change them every XXXX  months for a new pair I can not do that now. 
I have paid off the amount of money owed XXXX  times now and they still charge my credit card stating that I owe them money. I paid it off in fear of my credit score decreasing, but I should not have to pay them since they can not provide me with service or product. I am not asking for a refund I just want them to stop charging me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-17 00:00:00
Product: Credit reporting 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:
This consumer reporting agency has unauthorized my consent for any type of inquiry on my person and has refused to provide me with any adequate proof in regards to the account being accurate and belonging to my person. The open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. A consumer reporting agency can not furnish an account without my written instruction. 

Equifax Companies : XXXX XXXX XXXX XX/XX/XXXX Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
was sold a cell service and the internet by an XXXX employee on the phone..I was told if I ordered both together I could get a discount ... The employee told me if not satisfied in 30 days I could cancel and receive any money paid back and also said because of my wife and I were senior citizens we could receive a $ 10 monthly discount. 
I ordered the service at end of XXXX, XXXX and XXXX 's cell service was horrible, they could not connect our XXXX XXXX to their network and shut off our phones, they made me drive to a XXXX store to get a code to connect the phones but the store would not help. They could not send us the code because OUR PHONES DID NOT WORK! My wife and I are XXXX yrs old and don't like to drive... We went back to XXXX to fix our XXXX and connect service back to them ... XXXX raised my internet cost because they said we broke the contract for two services and we have to get a higher rate for the one service. 
I cancelled the internet after fighting with them and an employee called my wife an OLD XXXX! 
They sent our account in XX/XX/XXXX to Sequium Asset Solution, LLC who hit our credit report with a COLLECTION of {$300.00}, ruined my credit and my home insurance company in Florida raised our rates because of my credit score dropping. 
I called XXXX several days ago and they took off {$60.00} because they caught an overcharge to our account but left the {$240.00} because we cancelled one service before the 30 days. I asked them to send the 100 % customer service agreement which states we can cancel and get out money back in 30 days ( no response ) ..They will not listen to the reason why we cancelled the XXXX XXXX XXXX.. IS BECAUSE IT DIDN'T WORK .....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I have requested documentation on this account since XX/XX/year> and I have not received it to this day. The information on this account is incorrect.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

These accounts have violated my rights ; Validate Account XXXX XXXXT XXXX XXXX Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX 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 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.

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I would like for SPS to stop the XX/XX/XXXX XXXX sale date. SPS told me that the XXXX is working with XXXX to resolve the lawsuit. My house is tied up and litigation. I has a third party XXXX to speak with the foreclose XXXX about this matter through litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

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. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
For almost 3 years, Shellpoint mortgage has been trying to foreclose on my home without cause. They do not post payments to my account, raise the cost of the monthly payment without notice and then they cash my checks and again, do not post the payment. I received a notice that I have until XX/XX/XXXX to pay what is due, they claim that I have not paid since XX/XX/2023, however I have cashed checks from my XXXX  XXXX account stating that they have cashed them on time every month. They have just refused to apply this to my account. This is the 3rd or 4th time that they raise our rate and then refuse to notify me about it & then claim that it is past due while they have no problem taking my money. I have just submitted a check in the amount of {$300.00} which is the monthly difference between my old cost of {$1600.00} and the new cost of {$1700.00}. I will be finding a lawyer immediately to stop this once and for all. I am a XXXX, just trying to hold onto my home in a poor economy and they just want to steal from our family and cause headache after headache. Enough is enough from this company! XXXX payment has been mailed as well for the full amount and the unknown shortage was sent as well. Tracking for that payment is XXXX XXXX XXXX XXXX XXXX XXXX with USPS XXXX to their overnight facility and is attached in the documents, along with the cashed checks from Shellpoint from my XXXX XXXX Account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
XXXX filed XXXX  XXXX in XX/XX/2023 and stopped offering XXXX services to all clients including my daughter. We had already paid the bill in full and were not able to receive necessary services. They took the money and did not provide the full service. 

They transferred their billing to a company called healthcare, finance, direct or HFD, LLC. This company is aggressively billing. Me and XXXX XXXX  has tried to stop them XXXX. They are now threatening me over email with my credit. They added another random amount of XXXX to their billing. 
They are behaving like criminals. I had called them, and they refused to speak with me and laughed at me and hung up. 

We can not pay a bill connected to a service that we can no longer use. I should not have to pay over the amount agreed for services not rendered in full. 

When XXXX stopped them the first time, they changed their name from Healthcare Finamce Direct to HFD. 

I am asking for protection for my credit. I am asking to stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
When I updated my BOA account in XXXX of XXXX I put a secondary email address in for alerts because I no longer had access to the primary. On XX/XX/XXXX I made a charge that made my balance {$15.00} after using up a credit from a past overpayment due to the autopay processing even thought there was a XXXX balance. I forgot that autopay had been turned off because it kept processing for some reason so the payment of {$15.00} to bring my balance back to zero was not made. VERY unfortunately the secondary email that is setup for alerts NEVER got any emails saying a payment was due and is STILL not getting and alert emails. I am not disputing that I missed a payment, I am asking BOA to do a onetime update to erase the past due balance from XXXX of XXXX because I never got my alert email to the email that I have setup for alerts. This payment would not have been missed if I had gotten my alert. I have a car loan and XXXX credit cards with BOA and I have NEVER missed a payment and I certainly would NOT miss a {$15.00} payment if I had gotten this alert. BOA should do XXXX things here. They should fix my single past due mark and then fix their alert system to that any email that is entered for alerts actually gets the alerts. That is all I am asking. My XXXXredit score dropped over 100 points because I missed the payment because their alert system is not working properly. I have called XXXX or XXXX times and gone around in circles with them on this and I think they need to do the right thing here. You can see in the images below that I have the alerts set to go to XXXX different emails and then in the next pic you can see they are STILL only sending the alerts to the primary email even though I have BOTH emails checked. I would NEVER have missed this payment if their alert system was/is working correctly.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: NM

Complaint narrative:
I called the lender and requested that they remove the late payment due to Covid-19 from my credit report. My state had at the time shelter in place, at the time of the missed payments. I was quarantining yourself due to XXXX symptoms. It was incurred due to the coronavirus outbreak and I was able to make the past payments and had the account back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This is in reference to complaint XXXX. I asked someone to call me from American Express. I received a call from American Express on XX/XX/XXXX. I could not talk at the time, because I was at work. I received a voice message from a AE representative advising that they are from American Express and to call the phone number that is located on the back of my AE credit card. I called the number on the back of my AE credit card when I was on my lunch break and the person I talked to could not help me or answer any of my questions. I told him that I work Monday through Friday from XXXX XXXX. to XXXX XXXX. He said that someone would call me back to setup a time. I received a phone call today ( XX/XX/XXXX ) and I could not talk at the time they called, because I was at work. They closed the complaint since I did not answer. I NEED SOMEONE FROM XXXX BENEFITS DEPARTMENT TO CALL ME TO SETUP A TIME TO TALK.

Company response to consumer: Closed with explanation