vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Called Bank many times. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many more times and have been hung up on many times. I spoke to a XXXX, XXXX, XXXX, XXXX, XXXX. to no avail. I was incorrectly charged an amount of {$150.00} due on XX/XX/XXXX and sent them correct amount of XXXX which they received on XX/XX/XXXX and that check was cashed. I checked on my statments on line and the XXXX statement was missing and my payment of {$100.00} was not shown as made, yet my XXXX XXXX XXXXXXXX statement showed that the payment made to Commenity cleared. I have been charged XXXX late fees of {$30.00}, XXXX of {$40.00} and a return check fee of {$30.00}. I have excellent credit and have never been in this situation before. Today, XX/XX/XXXX, I tried to sent a secure message which is shown on Comenity 's site and after completing the message and attaching the attachments a message said that the attachments would not attach but I could send the message without the attachements. It could not be sent. I did send a letter via snail mail on XX/XX/XXXX as per their request showing the information they requested and when I called on XX/XX/XXXX, they said they did not receive my correspondence. They do not have email or fax only regular mail. I have paid them everything I owe including my last payment of {$96.00}. the only thing outstanding are the fees and interest totaling {$100.00} which is due XX/XX/XXXX. Please advise what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
This sham company is robo calling me from my original reaching out to this near bankrupt company over XXXX years ago! No, I am not interested in a mortgage or your products! Immediately, cease and desist all phone, email and US mailings. My number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
A LUXURY CARD Master Card was mailed to my home unsolicited by me.

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 2022-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
wrong date of birth, and wrong addresses, and also wrong phone number, and all bureas are saying my consumer report is accurate and verified which is wrong correct information on all three reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA. XXXX work : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
wrong date of birth, and wrong addresses, and also wrong phone number, and all bureas are saying my consumer report is accurate and verified which is wrong correct information on all three reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA. XXXX work : XXXX XXXX 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 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: IN

Complaint narrative:
OMG... I have been with NETSPEND for XXXX yrs. 1st off that's why I haven't Changed banks. Well Our home was being foreclosed on, My Husband XXXX XXXX XXXX XXXX Received a letter on a federal housing authoritXXXX Heading ( HUD ) to be exact. In our desperation to save our home we hired the " Federal Housing Attourney " that they said they were. Well Gave them XXXX $ in XXXX XXXX XXXX $ in XXXX we had court date XXXX called to ask if our Attorney would be there ( premier legal services ) & was told they aren't Attourney s. So I fired them & told NetSpend they are fraudulent & misrepresenting themselves... Also said Do Not let them take anymore $ well XX/XX/22 they took another XXXX $!? I DISPUTED all charges and got my 1st response Not FRAUD? HOW?

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 2022-05-21 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  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have violated my rights . 

-15 U.S.C 1681 section 602 A. States that I have a right to privacy.

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

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 2022-05-21 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 Report act XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights.

-15 U.S.C 1681 section 602 A. States that I have a right to privacy.

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

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 2022-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX was XXXX it was removed from my XXXX XXXX and XXXX  credit reports and Ive sent supporting documents showing the removal of this account from my credit report and it was still not removed from my report hurting my score each day that this collection is on my credit report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax credit bureau will not delete veridian auto loan off my credit report, XXXX and XXXX both have. The debt is paid, its XXXX XXXX XXXX and yet equifax still has it on my report. I have sent several letters to them and they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. 

The company sent me a " Notice of Right to Cure '' that only stated the alleged amount they claim that I owe. 

I then sent a second letter via certified mail to the company requesting that the company cease harassment, and the reporting of unverified, invalidated inaccuracies. 

The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. Most recently, the company also reported to the credit bureaus that my account has been closed at my request, which is completely false. 

The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
I reported that my card was charged for something while I was at work. The charge was XXXX miles away from my location at that time. I provided my schedule, screen shots of the location. Chime still refuses to reimburse my XXXX. I have spoken with my local police department who is advising that they have taken multiple reports these past XXXX weeks of chime customers who disputes are being denied and thinks that chime may be covering up a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service Company, INC
State: CO

Complaint narrative:
I have disputed a collection that is being reported by Credit services. This collector unlawfully increased the amount of a medical debt with punitive fees and interest charges. Credit Service responded with a response ( which I have included the entire response in the attachments ) that " Your accounts are showing a current balance due of {$3700.00}, which includes an accrual of interest. '' I have also included the documents they provided which show an original amount of {$2600.00}. Which I was charged the It is unlawful to add over {$1100.00} in interest and fees to a MEDICAL bill to which they still have not provided me any proof that I legally owe them this money. The original documents from the original provider does not include any interest or fees, nor does it state that I am responsible to pay Credit Service, nor did they provide me with a signed HIPAA release form. Which now they have violated over XXXX FCRALaws, FDCPA and HIPAA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
My friend sent me money by mistake and reported the transaction immediately and requested a refund. Cash App will not refund his money because my account was overdrawn. They have XXXX places that show misleading information. Please see my attachments. All were screened shot from within their application. I have reported and requested the refund several times via all of their required methods. It is extremely misleading and I believe intentional for them to state they dont accept money not intended for me but then state in their fine print that they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX my husband and I purchased an inventory new construction home from XXXX XXXX XXXX XXXX We received a letter in the mail from US Bank XX/XX/XXXX stating new mortgage terms although we never applied for a mortgage. They said they purchased the mortgage from a company called XXXX mortgage services but we never applied for a mortgage with XXXX either. As new first time homebuyers we were not aware that we were getting scammed. We have been paying US Bank $ XXXX from XXXX. Throughout this time we have been asking them how can we pull the escrow out of our home but they said we have to pay 80 % of the total cost first. When we called to ask for a verification of invoice and debt they refused to send anything and said that it will get reported to our credit if we do not pay. We also notice when we checked at the county record that our deed and title were submitted electronically to the county court office and that address that was linked to us did not even exist and they still insisted that we must pay them.

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 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/2022 I applied online to Ally Bank for a checking account. 

I believe I was discriminated against by Aly Bank because I am an XXXX American XXXX 

I was denied the opportunity to open a checking account because of erroneous information in the Early Warning reporting system. 

I know banks have discretion because I was able to open a checking account at XXXX XXXX XXXX Bank on XX/XX/2022. XXXX XXXX XXXX Bank also received a notice from XXXX XXXX regarding my previous banking history. However, XXXX XXXX XXXXXXXX XXXX based their decision to open the checking account on my previous banking relationship. They offered me a second chance checking account that actually exceeds my needs. Perhaps XXXX XXXX should consider other product offerings including but not limited to second chance checking.

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 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC
State: TN

Complaint narrative:
I have been a victim of identity theft on XX/XX/2022 I received a letter in the mail from XXXX XXXX concerning an account I did not open with them. This letter says that I'm being held accountable for an account I did not open. This letter basically states that an email address that was used to open the account was mine. This is not accurate. During the investigation period, no contact with me was made and any attempts made by me to call XXXX have ended with them hanging up on me. When I filed a police report and an FTC identity theft affidavit and sent the complaint, XXXX sold this account to a collection agency immediately. I received notification this account was sold to CKS Financial who is now trying to collect a debt from me I do not owe. in violation of the FCRA. as well as the fair and accurate credit transactions act. I have filed a complaint with the office of the comptroller regarding XXXXXXXX XXXX  as well. I'm at the mercy of the CFPB to step in and enforce the laws intended to protect consumers from identity theft I have exhausted all available options I'm able to do myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: NJ

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

15 USC 1681 Section 602 states i have right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Name : XXXX XXXX XXXX : XX/XX/1989 Last XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
TransWorld Systems, debt collection agency, reported an erroneous debt to credit companies without ANY validation that debt belonged to me. Since debt was incurred in a state where I have never lived, it is impossible that this debt is mine. I found the faulty reporting when my XXXX  score took a serious dive. This has damaged my credit report significantly. I've had to postpone making some financial changes until my XXXX  score is restored to it's previous Excellent level. TransWorld has never had previous contact with me until I called them to correct their error. They were simply unwilling to do their own investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT XXXX ARE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/2022 my debit card was stolen by a stranger. This was something I was made aware of by a fraud alert that came they via text message from Capitol One 360. I replied " no '' to the charge. Called the bank hours later after noticing several charges that I had not made. The CSR told me that I would need to call back once charges were processed. He told me some may fall off because they were flagged but we had to wait and see. This is normal for Capital One bank. The day the charges posted I contacted Capital one and reported the fraud charges. They credited my account pending the investigation. On XX/XX/XXXX I received the denial. Stating my card was used after the reporting. Which is untrue. They would not tell me what charges were made on my card. They said no appeal will be allowed. No need to try and reopen the claim. They sent me the investigation but it didn't show which charge they claim was made using my card with my pin number. All these charges were not pin number charges. They were credit. I use my card as a debit card the majority of the time. My card was locked once I responded to the text. The first CSR also showed other square charges that were attempted but denied due to them being fraudulent. I just want my money back. 
XXXX 's {$52.00} XXXX {$99.00} XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: NJ

Complaint narrative:
In accordance with the fair credit Reporting Act, the following companies below has violated my rights. 
XXXX. XXXX XXXX  Account # : XXXX XXXX. CAPITAL ONE Account # : XXXX XXXX. XXXX Account # : XXXX 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates
State: SC

Complaint narrative:
Received multiple calls from company stating I had an outstanding balance after card on file no longer processed payments monthly. Initially I rceieved no letter informing me the company had taken over my medical debt or given me an option to dispute within first 5 days. After sending a letter of validation they failed to respond back within the 30 day time period. I have both letters and reciepts showing time stamps of the 30 day response window.

Company response to consumer: Closed with explanation