vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On or about XX/XX/2022, I began receiving communications from Credence Resource Management regarding collections for ambulance services rendered by XXXX the previous year. The amount sought was around XXXX USD. I immediately contacted my then-health insurance provider, XXXX XXXX XXXX who informed me that per their agreement with XXXX, XXXX owed no additional monies and instructed me not to pay. 

I began receiving frequent calls from various phone numbers after this. In XX/XX/2022, I called one of these numbers back and found they belonged to Credence Resource Management, a debt collection agency. I informed them of the erroneous status of this collection and was asked to email a customer hotline images from the XXXX XXXX app showing that I owed no money. 

I sent this email photo proof on XX/XX/2022, and instructed the company to close the erroneous charge. Instead, the company replied that I needed to send them an image of my health insurance card, front and back, so Credence could call my insurance company and see if they would pay the balance. I informed them that the balance and my personal information is none of their concern as I provided written proof that I owed no balance and reiterated my request to have the illegal and erroneous collection halted and further informed Credence I would be filing a complaint with the CFPB as well as the California State Attorney General. I then called XXXX XXXX to inform them that the erroneous debt they had instructed me not to pay had been sent to collections and that the collection agency had refused to acknowledge the illegal and erroneous collection attempt. XXXX XXXX then contacted XXXX and informed me again not to pay. I then replied to Credence, sharing with them once again the proof from the insurance company that I owe nothing and should pay nothing. Credence responded that XXXX is seeking a full balance from me, and refused to acknowledge the proof I provided. I then informed credence I would be filing a complaint with the CFPB and Attorney Generals office and expected their compliance moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 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: DISCOVER BANK
State: MD

Complaint narrative:
I have another case open. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 I'm now facing another situation caused because of this pending case on the issue of a balance transfer being pulled twice from the XXXX  credit card by Discover and being charged for 2 balance transfer fees. Now because they pulled this twice, my account with XXXX had a negative balance, which was fine however, when I originally did the balance transfer it said that the most I could transfer was {$8100.00} for a 18 month 0 % interest. But discover did the balance transfer twice and now they are charging me interest and due payments on the second balance transfer and the balance transfer fees. These are completely unacceptable practices. If I'm have a pending case regarding something that effects interest, balance transfers, and fees than my whole account should be put on hold. I had high hopes for Discover as a new credit card for me, my family, and our business but my hope is diminishing very quickly! Completely shocked at the actions of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved.

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 2022-09-27 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/2022 I opened a checking account with US Bank. I deposited {$4000.00} when I opened the account. I never had a bounced deposit, bounced check or overdraft. 

Approximately mid XX/XX/2022 I was locked out of the online access. That begin a period of repeated calling the customer service phone line, local branches and multiple in person visits to find out why I could not access my account of over {$4000.00} funds still remaining. By early XXXX, I was told my account had been " flagged for fraud '' because I had deposited a monthly check in another state, that my account had been closed and I should receive a check for the balance within a week. That never happened. 

The most disturbing part of this is that US Bank has never once contacted me - no email, no letters or phone calls. I was not allowed to contact the " fraud department ' either - only 'customer fraud XXXX department XXXX who continually said they had no information on my account status. I have been endlessly calling only to be given misleading or flat out incorrect information. I was told repeatedly a balance check had been mailed out in XXXX. I never received the check so they said they would put a 'trace ' on it. This was a lie, no check had ever been mailed out which was finally confirmed this week by a local branch employee. 

How is it legal that a bank can lock your account and not be required to notify the account holder as to why or how to remedy the situation? Are they not required to notify account holders of fraud claims or other problems with the account? Is there so little oversight of banking practices they can freeze funds indefinitely without any due process?

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 2022-09-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Personal Update Letter originally sent XXXX22 was received by CRA XX/XX/XXXX22 Tracking # XXXX Identifications and other supporting documents were attached again on XX/XX/XXXX22 another letter was sent in response to partial dispute resolution on XX/XX/XXXX Report # XXXX. that letter was received on XX/XX/XXXX22 which included a reply letter in hand written blue ink with instructions, notarized and certified copy of common law copyright notice, notarized fee schedule, affidavit of truth, divorce decree, updated identification with current address, copy of updated SSC, and copies on copyrights to name XXXX XXXX and XXXX XXXX, and a copy of faxed and mailed form XXXX to IRS

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 2022-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX here, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
According to the credit reporting act these creditors have violated my rights under 15ufc1681 section 602 states that I have the right of privacy 15ufc1681A section 2 also states a consumer can not furnish an account with out my written instructions under 15ufc1666b the creditors may not treat payment on a credit card account under an open consumer credit plan as late for any purpose

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 2022-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: MS

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2022, I received a text message on my mobile devise from an unknown source. I opened the message and there was encrypted information. However, no changes were seen in my cell phone or any of my accounts.. 

On XX/XX/2022, a total of {$1000.00} dollars was charged to checking accounts with TD Bank account ending in XXXX via a credit card ending in XXXX. 

On XX/XX/2022, a total of {$3000.00} dollars was charged to checking account with TD Bank account ending in XXXX via a credit card ending in XXXX. 

On XX/XX/2022, a total of {$4500.00} dollars was charged to checking account with TD Bank account ending in XXXX via a credit card ending in XXXX. 

On XX/XX/2022, a total of {$4200.00} dollars was charged to checking account with TD Bank account ending in XXXX via credit card ending in XXXX. 

All the transactions were paid to XXXX XXXX XXXX XXXX. These transactions were all international transactions and I was charged a total of {$380.00} dollars in fees. 

On XX/XX/2022, a total of {$4000.00} dollars was charged to checking account with TD Bank account ending in XXXX via credit card ending in XXXX. 

The transaction was charged to XXXX XXXX XXXX XXXX via the credit card.. TD also charged an international fee of {$120.00}. 

I filed several claims with TD Bank and the TD Bank denied all the claims. The funds were not reversed and my account remained in a negative standing for over 60 days. TD bank sent the information to a debt collector and closed my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed a XXXX accounts on my report I do not recognize

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 2022-09-27 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: NJ

Complaint narrative:
I noticed a XXXX accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I was approved for an Avant Credit Card on XX/XX/XXXX. I received an e-mail XX/XX/XXXX that my was card has been activated. Also on XX/XX/XXXX the card that was activated, {$620.00} was charged on the card. I called Avant on XX/XX/XXXX @ XXXX spoke with XXXX ( Avant Customer Service Department XXXX, informed her that I never received the card and I did not activate the card ; I also informed her that I did not make the purchase of {$620.00}. She transferred me to the Fraud department, I spoke with XXXX and made her aware of the information above. She canceled that card and issued a new one. She advised me that Avant is the only one that can credit the amount back to my card. On XX/XX/XXXX @ XXXX I called back to Avant Customer Service spoke with XXXX until XXXX, she stated she will make sure the matter is resolved an escalated to a Manager and Supervisor have them to call me back, she told me the purchase on XX/XX/XXXX, was made at XXXX 's XXXXXXXX XXXX XXXX XXXX, I looked up this store number on the internet and found this store is located in XXXX Maryland XXXX I have called Avant Customer Services Department daily with no resolution, I kept being bounce back and fourth to fraud department that keeps bouncing me back to Avant Customer Service. On XX/XX/XXXX I received my new card. On XX/XX/XXXX I called Avant spoke with XXXX to see why my new card has been locked. Per XXXX my card was locked due to frequent activity and need a copy of my drive license. I sent a copy of my drivers license to Avant on XX/XX/XXXX @ XXXX. On XX/XX/XXXX, XXXX I received an e-mail from Avant indicating they received my license information. I continue to call Avant Customer Service XXXX to follow up on my fraud claim, still was bounced around no return calls from Manager and or Supervisor, which I requested during every call. Finally on XX/XX/XXXX, I was informed that my Fraud Claim Specialist is XXXX and she would be handling my case. I called XXXX everyday and left voicemail message with no return phone call. On XX/XX/XXXX @ XXXX, I received an e-mail from XXXX XXXX she is handling my case, she request a police report. I contacted the XXXX XXXX XXXX department spoke with an officer, made him aware of what went on with my credit card on XX/XX/XXXX. He stated they do not investigate fraud activity on credit card or bank accounts. It's the responsibility of the credit card company or bank to do their own investigation ; the only thing he could give me would be a call number. I sent XXXX a response on XX/XX/XXXX @ XXXX. As of today the fraudulent activity on my card has not been resolved or investigated by Avant with the XXXXXXXX XXXX XXXX. I can prove that I was at work during the time of the charges on the initial credit card, I made Avant aware of this information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.

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 2022-09-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Noticed a few unfamiliar accounts on my 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 non-monetary relief
Consumer complaint received 2022-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
According to the credit reporting act these creditors have violated my rights under 15ufc1681 section 602 states that I have the right of privacy 15ufc1681A section 2 also states a consumer can not furnish an account with out my written instructions under 15ufc1666b the creditors may not treat payment on a credit card account under an open consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
According to the credit reporting act these creditors have violated my rights under 15ufc1681 section 602 states that I have the right of privacy 15ufc1681A section 2 also states a consumer can not furnish an account with out my written instructions under 15ufc1666b the creditors may not treat payment on a credit card account under an open consumer credit plan as late for any purpose

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