vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
A bank account statement was received by an associate of mine at an address I have not lived at in over XXXX years. This account was for a checking account with Bank of America. 

I have confirmed with Bank of America that the account exists, and contains my information. This account is not one I have created, and I have not been able to actually speak to an individual at Bank of America regarding it. The Fraud department is unreachable via phone, and no emails have been replied to. 

I am concerned that this account was opened using my social security number, and will have a negative impact on my financial health.

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 2022-08-30 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: GA

Complaint narrative:
THIS ACCOUNT IS BEING REPORTED AS A CHARGE OFF WITH A BALANCE OF {$7300.00}. THIS IS A CLEAR VIOLATION OF MY RIGHTS UNDER THE FCRA AND FCRPA. BALANCE IS ALSO BEING REPORTED AS INCORRECT AND NOT IN AGREEMENT WITH THE OTHER TWO MAJOR CREDIT BUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I am writing this letter due to the actions that XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NC

Complaint narrative:
I am writing this letter due to the actions that Credit Control , LLC has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Credit Control , LLC, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
On XX/XX/XXXX, I contacted Venmo about an unsatisfactory e-mail I received from them. It was trying to alert me to my account having been accessed from an unknown device. That is not what really happened. I accessed my account using a device that I had used many times previously -- it should not have been unknown. I questioned the value of such an alert since obviously something was wrong on their end. At least three different customer service agents at Venmo misinterpreted my inquiry, thinking I was raising a security alert. I was not -- there was never any doubt that I was the one that accessed the account on my usual device. 

Now Venmo has frozen my account so that I can not even close it. To close it, they want me to send a picture of my government-issued ID and a picture of me holding the ID. This is because of their so-called security concerns. I do not trust them with this information nor do I think I should have to jump through hoops to fix a problem that they created through their own incompetence. 

I did finally talk to a Venmo agent on XX/XX/XXXX who read the issue documentation from the start and she apologized profusely for the errors in how it was handled. However, because the matter had already been forwarded to a specialized team, she could not intervene. 

Venmo may want to refer to the following case numbers -- XXXX, XXXX, XXXX and XXXX ( the last one being the original case number ). 

Unfortunately, it is not practical for me to provide copies of correspondence. All of my complaints are done online on their website and they are not in a form that I can retrieve like an e-mail. Their replies are by e-mail but are useless -- they never address any of the issues I have brought up. I am attaching a copy of the chat transcript where the one agent recognized how badly Venmo had screwed things up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays XXXX XXXX XXXX card - card was opened by someone other than myself. Purchases were made. Called numerous times to dispute. On hold for over an hour. Charges were considered fraudulent. Asked to have account closed as it was not open by me. Never received in writing that the account was closed which I asked for numerous times. Recently, just got a letter saying I enrolled in paperless billing. This account was supposed to be closed as of XXXX ( do not have exact date that I called. Also called in XXXX twice and account was never closed.

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 2022-08-30 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: GA

Complaint narrative:
THIS ACCOUNT IS BEING REPORTED AS A CHARGE OFF WITH A BALANCE. THIS IS INCORRECT REPORTING AND A VIOLATION OF MY RIGHTS UNDER THE FCRA AND FCRPA. {$3300.00} IS MUCH HIGHER THAN MY ACTUAL BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
THEY HAVE REPORTED I OWE FOR A DEBT THAT ISNT MINE ALSO KEEP CHANGING DATES ON THE REPORT MAKING IT LOOK NEWER I REACHED OUT ASKED THEM TO TAKE IT OFF MY CREDIT REPORT AND OR SEND ME PROOF THEY HAVE FAILED TO DO SO I NEED HELP IN GETTING THIS OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am writing this letter due to the actions that XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that is done so in a manner that is fair and equitable. Experian has failed to do this. In XXXX and XXXX of 2022, I mailed letters to this agency asking for validation of several accounts on my credit report and I was ignored. These accounts must be removed immediately as they have damaged my character and are hindering my ability to provide for my family.

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 2022-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife opened an account with Citibank ( XXXX XXXX account ending in XXXX ) for a special promo and they offered an additional XXXX if she brought in a new client to here and {$100.00} to the incoming new client. She had to file a grievance with Citibank to receive the {$200.00}, XXXX XXXX the Citigold specialist said that when her {$200.00} was paid mine would automatically be paid, to this date that has never happened. I have reached out to XXXX XXXX with no response whatsoever.

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 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NC

Complaint narrative:
I am writing this letter due to the actions that Credit Control , LLC has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 
I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 
It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of XXXX XXXX. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX  XXXX aka XXXX XXXX  XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX aka XXXX XXXX XXXXXXXX. 
They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Credit Control , LLC, and that they have purchased from the original creditor. 
For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my 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 2022-08-30 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I continue to dispute my credit report, but XXXX continue to send back information verified. If I can't find results my next step will contact FTC and Attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
Please note, this is a resubmission as the company failed to address the primary point of my complaint in its initial response. There is nothing in my loan agreement that would indicate my first XXXX scheduled semi-monthly payments would be applied to interest only. The initial payment schedule I received when the loan was funded reflected payment allocation to both principal and interest beginning with the first payment. There is absolutely no accounting method that would show that I would need to pay over {$10000.00} in interest before my payments were allocated to principal as well as interest. This time, I would like to ask that both the company and the CFPB read the complaint and the provided documentation before a response is provided and my complaint is closed. 

On XX/XX/XXXX my loan with Net Credit was funded in the amount of {$5600.00}. My loan was initially issued on a bi-weekly repayment schedule. After my loan was issued, I advised that I was paid semi-monthly and asked if my loan could be re-amortized to a semi-monthly repayment schedule. Net Credit agreed and I have been paying my loan based on the semi-monthly schedule since that time. No where in my loan agreement or in any communication with Net Credit was I made aware that my loan payments would not start paying on the principle balance until XX/XX/XXXX. That is over two full years of payments at {$220.00} twice a month that goes to nothing but interest. I recently went into my online account to look at my balance as I wanted to see if I could pay the loan off. To my surprise, as of today, XX/XX/XXXX, my loan balance {$5400.00} meaning of the over {$7000.00} I have paid so far only {$190.00} has been applied to principal. I also will be submitting an attachment to show that my initial amortization schedule based on the bi-weekly repayment terms fully amortized the loan with principal and interest from each payment however when they re-amortized my loan to the semi-monthly schedule the payment allocation changed to what I described earlier. This, in my view, is not only unfair in that I need to wait until XXXX of XXXX before I start paying principle from my scheduled payments but also deceptive in that this amortization schedule change was not explained to me and was not part of my original loan terms that I agreed to. You could make a case for abusive as well considering I am essentially stuck in this loan until Net Credit has received all of the interest due to be collected over the full term of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that is done so in a manner that is fair and equitable. Equifax has failed to do this. In XXXX and XXXX of XXXX I mailed letters to this asking for validation of several accounts on my credit report and I was ignored. These accounts must be removed immediately as they have damaged my character and are hindering my ability to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing this letter due to the actions that XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 
I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 
It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX, XXXX aka XXXX XXXX, XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX aka XXXX XXXX XXXX. 
They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 
For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation