vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I paid my card balance to Bank of America in full on XXXX a balance of XXXX. This money was deducted from my checking account. On the XXXX of XXXX, Bank of American deducted this exact amount from my checking account again. I contacted them and was told that I would receive a check for that amount as a refund. On the XXXX of XXXX, I was at a XXXX balance because of this conversation. I never received the check. Then, on the XXXX, I was charged {$2700.00} two more times, as well as returned check fee of {$27.00}, and an interest charge of {$39.00}. I discovered this on the XXXX and I called Bank of America, and over the course of several hours spoke to four different people. I was told that they never received any payment from my bank, although it was clearly deducted from my bank account. The money appears to be gone from my checking account, and I somehow owe Bank of America {$5500.00}. I was told that the bank stopped the payment and that I should have the balance in my bank account in five business days, at which point I could pay my balance. I asked for a refund of the fees, since the situation was due to their error, and they refused, but said that Bank of America could discuss refunding the fees on the XXXX after I paid my balance. I asked to close my account, and then proceeded to do so. I then asked for the person 's direct line so that we could discuss refunding the fees on the XXXX, assuming that the $ XXXX was posted to my checking account. After he closed my account, he told me that because my account was closed he could not refund my fees. He did not advise me of this information before I closed the account, and led me to believe that the fees could potentially be refunded at a later date.

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 2020-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
EXPERIAN Credit reporting is listing more than one Hard Inquiry,  which happened on the same day, when I purchased an automobile loan. The other credit bureaus are only showing one inquiry since they happened on the same day.

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 2020-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have applied for a credit increase on two Capital One credit cards out of the four that I have. I was rejected on both because my usage and payment history were considered inconclusive, I have a credit score of over 800 ( FICO ) and I have never missed a payment. Capital One should have the decency in at least granting a small credit line increase based on my loyalty and impeccable credit history with Capital One. What if there is an emergency and I need more credit? Capital One should anticipate human needs and not solely rely on just metrics. The two credit cards have a  {$3000.00} ( XXXX ) and {$3200.00} ( XXXX ) credit limit. I requested a new line of credit with an increase to {$6000.00} ( XXXX ) on one card and {$6500.00} ( XXXX ) on the second card respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
After communication and attempts Saks Credit Card, Capital One, continues to be deceitful in fees and interest on account along with settlement offer to delete account.

Every month for over a year the account has been accessed incorrect late fees! Due to this frustration there has been conversation of settlement but the company reversed course at the last minute only to continue accessing erroneous late charges and interest, which in turn causes balance to continue to increase even after payments of more than minimum are made on account. Saks ( Capital One ) uses unethical and deceptive practices on account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO is reporting to Equifax, and by means of a collection agency XXXX XXXX XXXX XXXX, is attempting to collect an alleged balance of {$310.00}. According to Equifax, the date the alleged debt was incurred was XX/XX/2019, but I have no visit to XXXX XXXX XXXX on that date. Attempts to contact the business, the collection agency, and the credit bureau to respond to my complaint have not been successful. 

1. XXXX  XXXX XXXX is not owed the debt and I have never been presented with an invoice for payment, an itemized receipt for products, services, or care provided, and I have never been provided with a contract -- including the date and my signature -- which authorizes the establishment of a credit account. 

2. XXXX XXXX XXXX  XXXX have illegally " re-aged '' the debt on my credit report to make it appear more recent and with a higher balance. XXXX XXXX XXXX  XXXX have failed to respond to my inquiry that they substantiate the date of the debt with an original invoice from XXXX  XXXX XXXX ; the have failed to represent the correct amount owed and have arbitrarily and capriciously increased the amount owed with no notice and without stating what interest, fees, charges, or other add-ons are being claimed. 

3. Equifax has not responded to my dispute, violates the FCRA in failing to act, and is causing irreparable harm in its negligence to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I call American Express today approximately around XXXX and Spoke to a person name XXXX XXXX I ask him its still on the online website that a payment is due for the XX/XX/XXXX and why hasnt it been suspended until they do a forensic investigation as they had told me a couple of times they would do. The payment that is due includes a large portion of the pay overtime or pay overtime direct interest and fees charges, that Im also disputing which American Express combined the pay overtime and pay overtime direct as one balance making it being charged double, because the pay overtime balances and regular charges was paid off in full on XX/XX/XXXX by my credit union but some how a pay overtime balance of almost {$6000.00} was applied back to my bill on XX/XX/XXXX and all of those fees and interest charges kept accruing on my monthly bill as interest. They are harassing me about making a payment on XXXX XXXX which is tomorrow this is why they are refusing to dispute and refusing for me to put in a dispute concerning these pay overtime direct balances fees and interest charges which of most of the payment is due consist mostly of those disputed fees and interest charges. Therefore they are harassing me to make a payment even texting me a notice that the minimum payment is due. I understand when ever there is a dispute against charges or the bill you not supposed to ask for a payment or report a late payment to the credit bureau, which both situations American Express did.I have no problems making payments as they can see in my History of being a loyal customer for over 24 years, and this is how I get treated so unfairly. I spoke with a person name XXXX on XXXX XXXX around XXXX he assured me that why they did the investigation I will not be responsible for the {$24000.00} or the amount due of {$2400.00} because it includes pay overtime direct balances of fees and interest. And for some reason he ask me to send documents showing that the entire balance was paid off in full which included pay overtime balances to customer care services XXXX  XXXX XXXX XXXX TX XXXX. And ask me put down this claim number XXXX when I mail in the documents and to make sure and be specific with that claim number, In which I have sent documents twice to them and why would customer care services want to to look at the documents again because, they know they made and error in double charges me or maybe it is fraud because I got letters from the fraud operation and before I could respond back to the letters they closed out the dispute before I could respond. I never got calls from them as stated in the letters. Attached are 2 letters from American Express Fraud Operation each time before I can respond they closed out the dispute, matter of fact when I got the letters in mail and called, the dispute was already closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO is reporting to Equifax, and by means of a collection agency XXXX XXXX XXXX XXXX, is attempting to collect an alleged balance of {$200.00}. According to Equifax, the date the alleged debt was incurred was XX/XX/2015, but I have no visit to XXXX XXXX XXXX XXXX on that date, and the credit bureau has not responded to my complaint. 

1. XXXX XXXX  XXXX XXXX is not owed the debt and I have never been presented with an invoice for payment, an itemized receipt for products, services, or care provided, and I have never been provided with a contract -- including the date and my signature -- which authorizes the establishment of a credit account. 

2. XXXX XXXX XXXX XXXX have illegally " re-aged '' the debt on my credit report to make it appear more recent and with a higher balance. XXXX XXXX XXXX XXXX have failed to respond to my inquiry that they substantiate the date of the debt with an original invoice from XXXX XXXX XXXX XXXX ; the have failed to represent the correct amount owed and have arbitrarily and capriciously increased the amount owed with no notice and without stating what interest, fees, charges, or other add-ons are being claimed. 

3. Equifax has not responded to my dispute, violates the FCRA in failing to act, and is causing irreparable harm in its negligence to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical-Commercial Audit Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX of XXXX XXXX, MO is reporting to XXXX, and by means of a collection agency Medical Commercial Audit Inc, is attempting to collect an alleged balance of {$200.00}. According to XXXX, the date the alleged debt was incurred was XX/XX/2015, but I have no visit to XXXX XXXX XXXX XXXX on that date, and the credit bureau has not responded to my complaint. 

1. XXXX XXXX XXXXXXXX XXXX is not owed the debt and I have never been presented with an invoice for payment, an itemized receipt for products, services, or care provided, and I have never been provided with a contract -- including the date and my signature -- which authorizes the establishment of a credit account. 

2. Medical Commercial Audit Inc have illegally " re-aged '' the debt on my credit report to make it appear more recent and with a higher balance. Medical Commercial Audit Inc have failed to respond to my inquiry that they substantiate the date of the debt with an original invoice from XXXX XXXX XXXX XXXX  ; the have failed to represent the correct amount owed and have arbitrarily and capriciously increased the amount owed with no notice and without stating what interest, fees, charges, or other add-ons are being claimed. 

3. XXXX has not responded to my dispute, violates the FCRA in failing to act, and is causing irreparable harm in its negligence to investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KLS Financial Services, Inc
State: AZ

Complaint narrative:
This company contacted me on or about Wednesday XX/XX/2020. A friend answered my phone and an XXXX XXXX who represents KLS Financial Services started discuss the debt owed without identifying who they were speaking with. The representative disclosed the amount owed and where the services took place that resulted in the debt prior to confirming if the person on the line was in fact the debtor or a 3rd party. This representative told my friend first of all about me owing money and second about me going to XXXX for medical services. This is a violation of the FDCPA and privacy laws. In addition there should be no bill owed as this should have been covered by my insurance.

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 2020-09-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I disputed these two addresses ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ) with Experian. I am a victim of identity theft ... thus they refused to correct an error. I've attached documents that XXXX  deleted these two unverified addresses but Experian STLL are reporting these two fraudulent addresses.

They refuse to correct information after being provided proof of inaccuracy.

Violation : Defamation, willful injury. 


LEGAL JURISDICTION : FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C.

No. 95-cv-01743 ).

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 2020-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been disputing incorrect information being reported about my student loans since the beginning of XXXX. XX/XX/XXXX I had gotten an alert about changes on my report. I was appalled by the blatant lies and incorrect remarks I seen by an Experian associate. I immediately filed a dispute, and even with undeniable evidence against them, they refuse to admit their fault and remove this account, They have it listed as a WRITE-OFF when I clearly consolidated my loans and they were paid in full. The account in question is PAID IN FULL and is within 6 months of being 7 years old, and they refuse to remove it and this is a violation of my personal information because ( 1 ) the information in INCORRECT ( 2 ) I have paid this account in full and ( 3 ) I have to fight enough because of Experian exposing my data  in a data breach and I am now a victim of identity theft because of them. This account should be removed!

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 2020-09-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

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 2020-09-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

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 2020-09-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I PAID THIS DEBT IN FULL WHEN I SWITCHED CARRIERS! Every few months XXXX sends it to collections over an error on their part. I do not owe this amount, nor am I going to pay it. Furthermore, this new collection agency they sent after me is illegally harassing me. They have called multiple times between the hours of XXXX - XXXX, they have refused to identify themselves without me giving them personal info which I will not do. Because they refuse to identify themselves, they have also not sent a written validation notice.

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 2020-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: TX

Complaint narrative:
my name is wrong. 
the ten year old XXXX  needs to be removed

Company response to consumer: Closed with explanation