vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I accrued late payments on my credit report due to the Covid-19 pandemic, after returning to work, all monies due were caught up. I have continued to make payments timely. I am looking to remove late payments remarks as it was a result of job/hours decreased due to pandemic. 

The company is Vystar Credit Union for XXXX XXXX XXXX. XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Auto Loan Late payments were 30 days late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IA

Complaint narrative:
I wrongly received a bill from XXXX when I joined my family members Friends and Family plan. We were told once I paid my current bill things would be caught up and me being put on the plan could move forward. That's what we did. The next month I was sent a bill from XXXX. We contacted XXXX things were straightened out and resolved. I do not owe XXXX anything. I have now received calls from a company called CBE group the last 3 Sundays. I had received a letter from them and wrote back to them twice now telling them the situation has been resolved and for them to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax refuses to investigate nor verify authenticity of the XXXX XXXX account on my report. There are many missing details that are legally required to have provided on the report. The account status and available balances and credits are incorrectly reported. There are several missing on time payments of over {$500.00} that are not being reported. Have listed details in the attachments yet Equifax continues to commit credit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was in the hospital with XXXX for nearly 4 months they didnt know if I was going to make it or not. I have a Kohls charge card that I just got before I went into the hospital. I couldnt pay my bill while in the hospital so I had my mom call them and tell them that I was in the hospital and I was unable to pay until I got out. When I got out I went to pay my Kohls bill so that I could use it again and my credit limit was XXXX my balance was XXXX and they wanted {$450.00} to open my card up again I got it down to {$160.00} to pay them to get it caught up and ask them if my card would be in good standings and if I could start using it again and I was told yes because they put me on a Covid plan I then tried to use my card and it was declined I called back and talk to a supervisor and they told me they closed my account after I made {$160.00} payment I asked if they would re-open my account since I had become current and I was on a Covid plan and I was in the hospital prior to that and they refused I would like my account re-opened because it is current and compensation yes I would like compensation somehow

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
MY ADDITIONAL PRINICPAL PAYMENT REVERSED AND APPLIED TOWARDS INTEREST??? 

I ALREADY HAVE AUTO PAY ON AND THE MONTHLY PAYMENT DUE FOR XXXX WAS ALREADY MADE ON THE XXXX OF XXXX OF THE XXXX CALENDAR. 

I WILL SUE YOU IF YOU DONT APPLY THE ENTIRETY OF MY ADDITIONAL PRINCIPAL PAYMENT TOWARDS THE PRINCIPAL OF MY LOAN AND IF THIS HAPPENS AGAIN. 

THERE IS NO PENALTY FOR ADDITIONAL PRINCIPAL PAYMENTS AS WRITTEN IN MY ORIGINAL LOAN. 

THIS IS MY ONE AND ONLY NOTICE BEFORE LEGAL ACTION. YOU HAVE ONE BUSINESS DAY TO RESOLVE THIS MATTER. 

OTHERWISE I WILL CHARGE YOU AT AN INTEREST RATE OF 125 % PER DAY ON THE MONEY NOT APPLIED TO MY PRINCIPAL IF IT IS NOT RESOLVED. 

I AM ABSOLUTELY ON MY LAST NERVE HERE. RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion displays innacurrate employer information on report. I do not work for 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 non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC
State: NY

Complaint narrative:
This is addendum to complaint # XXXX. 
The name of the firm : ASGRecoveries.com. 
I received a voicemail from from XXXX ( XXXX ) XXXX asking me to call them to resolve a past due debt was in collections. ( All of my bills are current and my credit is in good condition. Additionally, Ive no past due bills. ) I called the telephone number and got a message saying that I needed to resolve the problem with the law firm. 
I also received a text that is also attached below.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S. Code 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681 section 604 A section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX and XXXX, 2022, a series of unauthorized transactions were processed against my Bank of America checking account from XXXX and XXXX. The unauthorized charges totaled approximately {$1700.00}, which Bank of America will not reimburse even after I provided all available information and disputed the charges before they were even processed. There were additional disputed, unauthorized charges from other companies but those companies are reimbursing me. However, Bank of America has been unresponsive to my claims disputing the charges. 

On XX/XX/XXXX, I went to Bank of America, spoke with a representative, and opened a claim requesting that Bank of America not process the " processing '' transactions. They did anyway. Over the ensuing days, I provided as much information as possible, including my work schedule, a note from my boss, and my clock-in slips to prove that I was working when the unauthorized transactions took place. Bank of America has been unresponsive and has provided no update on my claim for weeks. 

Bank of America never advised that I file a police report, but I did anyway approximately ten days after the incident. I provided Bank of America with the police report. Still, I have heard nothing about the status of my claim from Bank of America which is apparently " investigating. '' I am a working mother of two. I have been a customer at Bank of America for more than 30 years. {$1700.00} is a lot of money, and I'd appreciate any assistance the CFPB can provide in helping to resolve this matter. I'm not sure what else to do and feel that I have exhausted all available options, especially given Bank of America 's unresponsiveness. Thank you.

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 2022-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and I noticed that I still have some inaacurate information up there I have already tried to fix this issue but they will not correct the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: IN

Complaint narrative:
I hired a firm to install a door in my home. The salesman offered financing through XXXXGREENSKY. I was not sure I wanted the financing. I was told I could apply for it and change my mind within a short period. Three days I believe. I applied but changed my mind the next day. The salesman acknowledged I could pay the cost through my personal credit card instead. Later I was suprised to see XXXXGREENSKY appear on my credit report with a balance outstanding. I asked to have the item removed from my credit report, and XXXXGREENSKY refused. Incidentally, the firm failed to install my door, so I do not owe anything to anyone for this project

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I received the Indigo card services By Genisis FS Card Services XXXX Approximately 3 months ago. I have sustained a leg injury and have been out of work for several months now. I have gotten some calls from the organization after explaining to them the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: OH

Complaint narrative:
An unknown person opened a checking account on-line using my information. The account was opened at Bank of America. I live over 60 miles away from their nearest branch. I have never had an account with them. The unknown person hacked into my savings at XXXX XXXX  and transferred {$2800.00} on XX/XX/2022. I called Bank of America to report this. After being transferred 4 times I finally spoke to an agent who said the account would be shut down. I closed my savings account and opened a new one after XXXX XXXX  returned my money due to this being fraud. I thought this was taken care of until I received another statement from Bank of America showing me in the negative {$280.00}. I called them again just to be informed that it was automatically re-opened because a few cents was deposited into that fraudulent checking account. After the deposit when in the unknown person did a transfer out of this fraudulent account putting it once again in the negative. That account should of been flagged and permanently closed. Which is what my bank informed me. So someone did not due their due diligence and my credit is now suffering because of this. I need this account that I did not open, authorize and reported fraudulent, 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 non-monetary relief
Consumer complaint received 2022-04-03 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/22, I paid XXXX {$480.00} on the internet with my Capital One card for a shipping service on a crate of silicone calking tubes from XXXX, CA to Georgia. I received the XXXX of XXXX and the shipment was picked up and delivered. This should be the end of contract between XXXX and me. But on XX/XX/22, after delivery, XXXX, charged me {$200.00} for unknown reasons. 
Such charge was not discussed with me via telephone calls nor by email, and certainly was not authorized by me. 
I contested with Capital One credit card, and they set up a case number : XXXX. Capital One applied {$200.00} credit to me on XX/XX/22. Merchant replied to Capital One with many pages of internal documents that made no sense to me. Not a single page of the documents given to Capital One showed my authorization for this second charge. 
Capital One reversed the credit and charged me back the {$200.00} on XX/XX/22, then closed the case. 

This is a blatant violation of the basic principal for credit card use. A merchant who is given the consumer 's card number for a purchase, can not charge the second time or the third time or the fourth time... .. without authorization. 

Capital One has missed its duty to protect the consumers. A very important function for us to use a credit card for purchases. It is a terrible credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and I noticed that I still have some inaacurate information up there I have already tried to fix this issue but they will not correct the 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 2022-04-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( Original creditor 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 

15 U.S.C.1681 section 602A.. States I have the right to privacy.

15 U.S. C. 1681 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 explanation
Consumer complaint received 2022-04-03 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I had items stolen form me and filed a police report as well as a FTC report letting everyone know that I was a victim of ID theft. I tried getting the information off my reports but XXXX and XXXX refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: IL

Complaint narrative:
I had items stolen form me and filed a police report as well as a FTC report letting everyone know that I was a victim of ID theft. I tried getting the information off my reports but Equifax and XXXX refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
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 2022-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
I tried logging on to my XXXX XXXX account for the first time. It was weird Because it said I had an account made with my email. I reset the email got on and its saying I took some sort of loan with a company called Credence resource manage for almost five thousand dollars. It also said I lived In XXXX When I live in XXXX  the loan company is in Texas and I have no idea who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Never had a contract with this company. Debt does not belong to me. Its in violation of the HIPPA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
Had a balance with a XXXX XXXX XXXX 's office, for an oral examination of my right front tooth, on XX/XX/2021. I received a letter sometime in XXXX asking for {$92.00} for my visit. Emailed and called his office many times, trying to pay my balance. On XX/XX/XXXX I finally got in contact with someone from his office and paid my balance of {$92.00}, with my credit card. Someone from a Bay Area Receivables contacted me later that week asking for payment for XXXX XXXX 's office. I told that person I had already paid my bill and I was told money was still owed to the collection agency. Informed them to take the matter up with XXXX XXXX 's because they hired them and accepted my payment. I knew nothing of the collection agency 's agenda till after I had settled my balance and did not appreciate the phone calls to my personal phone. This matter is between XXXX XXXX 's XXXX and Bay Area Receivables. I did not agree to pay for, nor did I receive any services. My account is paid in full to XXXX XXXX. I have a credit card statement to prove it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: IN

Complaint narrative:
There is a collection amount on XXXX XXXX in the amount of {$1400.00} I believe this is identity theft. They sent me a letter as well in my name and adress. When I contacted them by phone the account was in my name but not my social security number. So im not sure if this is going to be remvoved from my credit or if it is going to affect it in anyway. I also have had a freeze on my credit and also have lifelock on my credit because there have been mutiple attempts of identity theft on my credit.

Company response to consumer: Closed with explanation