vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one is attempting to collect on an expired debt via a judgement and threatening to garnish my wages. My rights as a federally protected consumer were violated. On XX/XX/21 I sent Capital One a cease and desist demanding all communication stop immediately unless it was in regards to my remedy. Pursuant to 15 usc 1692 ( c ) ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of com- petent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I never gave consent and no consent is fraud. Also pursuant to 15 usc 1692 ( d ) ( 1 ) A debt collector may not engage in any conduct the natu- ral consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or prop- erty of any person. My reputation has been damaged because of this garnishment and judgement. I am embarrassed. I recently received a letter from XXXX XXXX XXXX XXXX at law threatening to garnish my paycheck over this alleged debt. I was never provided with debt validation or the chance to dispute their allegations. 15 usc 1692 ( b ) ( 2 ) any debt collector which they referred to themselves as can not state that such consumer owes any debt. I also was never given the chance to dispute this alleged debt pursuant to 15 usc 1692 ( g ). Attached you will find all my evidence showing XXXX Capital one and XXXX XXXX XXXX violated my rights as a federally protected consumer. This is also my formal dispute of this alleged debt. Also pursuant to 16 usc 1692 ( e ) ( 3 ) ) The false representation or implication that any indi- vidual is an attorney or that any communication is from an attorney. The top of the letter and envelope says XXXX XXXX XXXX XXXX at XXXX. Then the body of the letter says this is an attempt to collect a debt ( violation ) and we are debt collections ( violation ) false and misleading. Both violate the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Freedom Mortgage Company
State: FL

Complaint narrative:
My old mortgage company reported on my credit that I was 30 days late and XXXX to 90 days late. To my knowledge I can for sure say according to my bank statements that i was late by XXXX or 2 months. 

I was also provide bad information via phone calls from members of the mortgage company when I had paid and than told to other things there for also being coerced into not paying on time. 

I also have a note book that I have written down phone calls that i have had with the company as well that I was told that I authorized money to be placed in my principal when I never gave consent or authorization to do so, I also was told by them that I asked to have payments reversed on numerous months when I never asked for that and I was provided certain dates that aren't even on my bank account. The story 's never a line from them. 

I had asked to always speak to someone higher and each time I asked I was told them couldn't help and when I did so, they would never allow me to send my supporting documentation and when once i finally was able to they said that there information didn't change because they said was they had didn't reflect what i had ( ie. Bank statements ). 

If you need more information please call I can explain more via a phone call because there are things that are easier to explain on the phone than through writing.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Well a new account was opened up XX/XX/XXXX of 2022 up under my name which I never authorized and I had a freeze on my account because of fraud but Equifax seem to allow new accounts to be added on my account with a freeze on it but can never answer how that happened which this account is not mine I never opened this account that was open up XX/XX/XXXX or 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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 — Investigation took more than 30 days
Company: TIDEWATER FINANCE COMPANY, INC.
State: OH

Complaint narrative:
Tidewater Motor Credit has an automated phone response system that doesnt give due dates and says vague statements like upcoming amount due that doesnt match car payment amount. It offers the option to speak with associates who refuses to give you information and only requests payment. XXXX I checked my checking account and noticed I hadnt made a payment and paid immediately. XXXX I was notified by the credit bureau I was reported 30 days late. I contacted Tidewater to ask why it was reported after I paid and asked for a supervisor and was told to call back to leave a voicemail but was routed to another agent. I asked for a supervisor again and was transferred to another agent. I repeatedly told the agent that I did not understand the billing because he offered to take a payment for less than the regular payment amount and asked for explanation and he refused to answer and asked for a payment again. I was setting up the payment he requested and asked him to explain the billing and he implied he needed to set the payment before he explained. I called later in the day XXXX in hopes to get a different agent to get an explanation but I got the same agent who said at the end of the day you have to pay. I dont know how far or how much I am past due because they refuse to tell me. I want the 30 day delinquency removed from my credit report because they do not make this information easily accessible or easy for the consumer to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX, closed my credit card account didnt disclose any information an sold my information to a third party.. I didnt give consent and also I sent a cease ab desist! Per 15 usc 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-11-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX, closed my credit card account didnt disclose any information an sold my information to a third party.. I didnt give consent and also I sent a cease ab desist! Per 15 usc 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-11-07 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputing on the cfpb with Experian. They refused to follow the laws set by FRCA. XXXX XXXX has removed the accounts that has violated my rights. Is this the only credit reporting agency that follow the laws. They stated that my credit report investigation is 100 % accurate. I am not asking for my accounts to be verfied or accurate. I am asking for you to follow the laws. According to the law 15 U.S.C. 1681a- DEFINITIONS, RULES OF CONSTRUCTION The term investigative consumer report means a consumer report or portion thereof in which 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 he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who they talk to and how did they complete the investigation? They have also violated my right numerous of times under 15 U.S.C 1681. 15 U.S.C. 1681 SECTION 602A SECTION 2 states I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1666b states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX, ACCT # XXXX TXXXX XXXX XXXX XXXX, and XXXX  XXXX bankruptcy. Why is EXPERIAN allowed to violate the laws?

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I never gave consent for Barclays Bank to pull my credit report and I noticed a hard inquiry on my XXXX credit report.

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 2022-11-07 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Apple, closed my credit card account didnt disclose any information an sold my information to a third party.. I didnt give consent and also I sent a cease ab desist! Per 15 usc 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
An electronics funds transfer company called XXXX, has charged me {$200.00} after I tried to send {$20.00} to a friend XXXX. 

This company works by letting you put in the amount you wish to send and then hit button which sends the money. However this company does not ask you to 'verify ' or " are you sure '' this is what you want to send. As soon as you hit send the transfer is made and there is no way to see what you sent and no way to reverse or correct the charge once the screen says you sent something else. This is what has happened with my transaction but things get rocky from here. 

XXXX now only works with bank accounts because some banks will authorize a funds transfer without question, whereas a credit card company or other financial institutions will not. In my bank, truist, I only had about {$53.00} in the account, so my question to the bank is, why would you allow for over {$200.00} to be debited? I was told it is the decision of the bank manager or people in a particular branch as to whether or not they will allow such a debt. 

I called both XXXX  and truist within 20 mins of receiving a message that I had sent {$200.00}. XXXX 's response it to say that policy does not allow for mistakes on the part of the sender and once the money is sent there is nothing to be done- this is scam number one. Truist stated that after a week had passed they would begin an investigation to see what if anything could be done. 
I received a letter today, XXXX, from Truist letting me know that my money was gone because having contacted XXXX, they were told that I did indeed make the transfer and despite not having the money to cover this transaction they could help no further. 

A bank should not have the right to choose if they will debt your account without first checking to see if the money is available as they do in almost every other instance. XXXX probably has many complaints from customers that have made mistakes and find out there is no recourse. The bank has to be the responsible ones to deny any such request and protect their customers. If funds are not available and they then debt an account in any amount, the burden of the cost should fall upon the bank. 

I have used XXXX  for the past 2 years and I am very careful when sending money. It seems unlikely that instead of typing {$20.00} that I type {$200.00} instead and I certainly at no time verified that amount. I only hope that this can be resolved and that an easy fix to this kind of problem can be implemented by both the bank and any funds transfer company doing business with the public.

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 2022-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had fraudulent activity on my XXXX  XXXX XXXX checking account that had a variety of auto-pay debits coming from in, including my auto loan with Wells Fargo bank XXXX I updated the banking instructions on XX/XX/2022 for them to debit my new checking account. They can see that the banking instructions were added to the system, but they still debited my old account in XXXX and XXXX. When I noticed they debited the incorrect account in XXXX, I logged in and made a triple payment : XXXX 's payment, XXXX 's payment as well as XXXX 's. At the time, I called Wells Fargo and explained to them what had happened. I was told that no 30 day late would be reported. However, in late XXXX, I did notice a late payment was reported. I contacted Wells Fargo again and was told they would correct it, but it could take up to 30 days. I have been working with them since then and have recently been told that it late will not be removed, despite their prior reassurances. I have since paid the loan off in full and this is negatively impacting my credit through no fault of my own. It appears some technical issue occurred where the new banking instructions were added, but not debited. I have never had a late payment and I was simply trying to get the updated information into their system because I was a victim of fraud.

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 2022-11-07 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

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 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2022 chime which is XXXX XXXX  suddenly closed my account without any prior notice soon after I deposited XXXX at a loves truck stop which I would use often to load my account. After funds were loaded I made an online purchase of XXXX and a few minutes later I received emails containing information that my account had been closed with not a single reason why. I went back and forth for days with both chime and XXXX and neither could give me any kind of reason as to why my account had been closed. Here I am XX/XX/2022 and still haven't received the balance that remained in the account, please help I feel I have been robbed to say the least.I have all the emails and documentation to prove my case thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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:
My rights In accordance with the Fair Credit Reporting act XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number : XXXX XXXX XXXX Account Number XXXX XXXX, has violated 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 2022-11-07 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: NY

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I'm trying to link my PayPal account to my bank account, but there is a technical issue with that and I called more than 3 times CS and have been with them on the phone each time over an hour and they are just giving me hell and going in circles, their agents don't understand English and are very unhelpful and never call back while they disconnected the phone on me twice, they gave me an hard time to reach a Supervisor. 

After filing a complaint with the XXXX, I recieved phone calls form the presidents office, but they too gave me just the run around and they leave messages an sending emails, but there is officialy no way for inbound calls and they don't respond to emails send. 

Last week Friday after wasting again my time on the phone with a rep from their president 's office, the rep promised me that they will get this resolved latest by Monday, but nothing doing. No call no Followup. This Paypal is just a scam I've money with them from over a year and no way to withraw them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I called XXXX, equifax, and XXXX to remove 27 inquiries that were put on my report, by law when you are looking to purchase a vehicle you have a 30 day window to shop without getting hit with a ton of inquiries, instead it shall only be one inquiry for that auto loan. I expressed that there were incorrect and missing information on my report and the agent simply refused to remove these inquiries or remove the incorrect, not updated accounts. The auto loan itself isnt even reporting to XXXX but does show up on my equifax report. 

I was a victim of identity theft in 2019 and I was part of a police investigation in XXXX  XXXX and the police did find the person but Ive been attempting to fix my credit since. 

There is also incorrect, not updated information on a bankruptcy on my report and its showing accounts and balances still owed that were included. I have mailed certified letters multiple times with no response. I have proof of the multiple contact attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: WI

Complaint narrative:
XXXX XXXX sent debt to collections when insurance already paid it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation