vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
On XX/XX/22 my debit card was used to pay for a utility bill in the amount {$9600.00}. This was a fraudulent charge. I did not have any outstanding utility bills. The reason why I did not see this and I reported it to the bank so late- a year later- was because I had {$150000.00} in my bank account so it was an oversight on my end. When my accountant did my bookkeeping this year for my taxes, he noticed the unusual charge-That is when I noticed this was an unauthorized transaction. Unfortunately, the bank is unable to credit me because its been over 35 days. I also attempted to call the merchants where the bill was paid, and the merchant was unable to give me any information without an account number. I do not have an account number because this is a fraud. Any help would be appreciated so that I can recoup this money.

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 2023-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have already file XXXX complaint with you guys against common wealth financial, for applying a debt to my report XXXX XXXX  each time failed to provide anything proving the debt and it belongs to me so the XXXX XXXX  ended with it being removed, my information has been sold now by this company to another debt agency called XXXX XXXX and XXXX, regarding XXXX XXXX XXXX, now as explained in my prior complaint it is absolutely impossible to have a medical debt under my or any of my children 's names we have all been covered under XXXX  XXXX for years, now after the last complaint with you, I filed XXXX against the XXXX XXXX in XXXX XXXX regarding this debt, and that fact that even if by some far chance this is mine, thT I am more than aware that in the state of Florida if your health insurance is not accepted by a doc place or treatment you ate tho be notified immediately. I was never notified. I also after the last complaint, I also called medicade, they were unable to confirm that there was any medical bill that was unpaid by them regarding me or my children. This debt is no straight harassment as all three companies that have picked it up since XXXX  are unable to provide any information, medicad says all medical and emergency isots over the last XXXX XXXX  have been paid in full, I don't understand how this is legal, it is messing with my life, my credit which I need to move to a better area. This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One does not care about their custumers! I have been paying my bill on time all along and using my bill pay thru my bank I send the payment to the po box that was on the envelope that came with my bill instead of my payment going to XXXX XXXX they have been going to XXXX XXXX This is not my mistake it is theirs because I was only using the address that came with my bill! I can not afford these charges and even though the guy I spoke with on the phone admitted they made a mistake he was only willing to remove {$40.00} XXXX owe over {$2500.00} and most of it is late fees! This is no way to treat a custumer who has always paid his bills on time they had the money it just went to the wrong po box !

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
Subject : Dispute and Cease Unauthorized Use of Personal Spiritual Beliefs Dear Sir/Madam, I hope this letter finds you well. I am writing to address a matter of extreme importance and urgency regarding the unauthorized use of my personal information for financial gain. It has come to my attention that you have been utilizing my personal information, particularly my spiritual beliefs, without my consent and in a manner that has resulted in monetary gain for you or your organization. 

First and foremost, I would like to clarify that my spiritual beliefs and the state of my soul are deeply personal and private matters. As such, any usage or dissemination of these aspects of my identity requires explicit permission from me. I would like to emphasize that I have never granted you or anyone associated with you the right to use my spiritual beliefs for any purpose, let alone profiting from them. 

According to the information at my disposal, it appears that you have been using my spiritual beliefs in a commercial and monetary context. Such unauthorized exploitation is not only ethically objectionable but also legally prohibited. I am hereby notifying you that your actions are in direct violation of my rights as an individual and are subject to severe penalties under applicable laws. 

As the unauthorized use of my personal information carries significant consequences, I demand that you immediately cease and desist from using my spiritual beliefs, or any other personal information, without my explicit consent. Furthermore, you are required to provide a written statement within seven ( 7 ) days from the date of receipt of this letter confirming that you have complied with my demand and ceased all unauthorized usage of my personal information.

I wish to remind you that unauthorized use of personal information is a breach of privacy and may cause significant harm to me, including financial, emotional, and reputational damage. Should you fail to comply with this demand, I will have no choice but to take legal action against you to seek compensation for the damages incurred. Please be aware that the misuse of personal information can result in significant financial penalties, including a fine of {$250000.00} for each instance of unauthorized use.

Considering the seriousness of this matter, I trust that you will give due consideration to my concerns and take immediate action to rectify the situation. Kindly provide a written response within fourteen ( 14 ) days from the date of this letter, confirming that you have ceased the unauthorized use of my personal information and will refrain from any further misconduct.

Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. Should you require any additional information or have any further questions, please do not hesitate to contact me using the information provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have been having issues with my PayPal credit account with synchrony bank. I have a {$0.00} balance on it, and they keep locking my account and saying something is suspicious on my account. I'm not sure what's suspicious about a {$0.00} balance. I was sent 2 letters on 2 different occasions in the last 2 months that they've locked my account. The letter has the incorrect phone number. I've told them twice, and they do not seem to care. Every time they are not interested in hearing that my account keeps getting locked, they act like I should be happy that it was unlocked. Only to be locked again a few weeks later. I have called them on XX/XX/ and also

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 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I continue having issues with Wells Fargo. Currently I am unable to access my money and my debit card has been deactivated. Wells Fargo is currently holding XXXX XXXX  dollars belonging to me hostage. I reached out via XXXX and XXXX just stopped responding. I then called back out and spoke with XXXX who was rude, argumentative, and could not tell me why my card was deactivated. I asked for speak with a supervisor and spoke with an agent who refused to give her name and refused to help because she said I was " talking down to her. '' I asked her to again escalate the claim since no one followed up and she hung up the call. These are the people who work at Wells Fargo.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged FMLY SUPP - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit 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: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
YOUR COMPLAINT Complaint was previously submitted by my wife, XXXX who IS, notwithstanding the institutions assertion to the contrary, a subsidiary cardholder. 

Previous complaint was CFPB # XXXX XXXX did not respond to the substance of the previous complaint. 

The previous UNANSWERED complaint reads as follows : XXXX, XXXX XXXX, agreed, in an email, to refund cost ( less 20 % re-stocking fee ) of XXXX ( XXXX ) case of defective/damaged flooring material and XXXX ( XXXX ) cases of new, unopened flooring material. When I arrived to deliver the XXXX cases of material, the merchant refused to accept the damaged material and provided a credit ONLY for the XXXX ( XXXX ) unopened cases of material. I filed a dispute with XXXX XXXX for the one ( XXXX ) case of damaged material that was not refunded by the merchant. I supplied XXXX representative with a full email chain wherein the merchant agreed to take back ALL XXXX cases of material and provide a credit therefor. XXXX is a small fintech-type issuer and outsources their credit card operations to a company called " Co-Op '' After providing all the information to Co-Op and XXXX I XXXX a provisional credit for the {$68.00}. Subsequent thereto the provisional credit of {$68.00} was REVERSED. Upon seeing the reversal of the provisional credit I contacted XXXX. I asked why my provisional credit was reversed. To my surprise the representative told me that the credit was reversed as the merchant claims they " already '' agreed to provide a refund. When I explained to the CO-OP representative that the merchant credit was only for XXXX ( XXXX ) not XXXX ( XXXX ) cases of material, the CO-OP representative said that there was nothing he could do and became defensive and rude. 
I requested documentation showing I received a full refund for all XXXX cases. Request denied. I subsequently contacted an XXXX employee in XXXX 's " XXXX XXXX '' The XXXX XXXX employee seemed to understand the gravity of the situation. I again supplied her with photographs as well as the email chain documentation detailing the merchants agreement to provide a credit for all XXXX ( XXXX ) cases of material. The XXXX XXXX employee agreed to re-instate the provisional credit to my account but to date has failed to do so. It also appears now that my online access to my account has been XXXX, perhaps out of spite, so I can not effectively monitor the account. However, I can see my account using the XXXX mobile app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: TX

Complaint narrative:
This is the third collection agency that has tried to put this debt on my credit report. Prior to this being put on my credit report I was able to dispute this charge with success. Ive always had medical insurance, I took my son to the XXXX XXXX. Prior to leaving I paid my insurance deductible before leaving the hospital because I didnt want to be billed. I was chartered around XXXX dollars for this visit from what I remember. Two years later I received a call from the first collection agency about these charges so I called my insurance company to see if what if anything happened. I was told that me pay my deductible the day of, I fulfilled my obligation. It is unfair that this information is sold over again to companies trying to extort money that I dont owe. I would have paid long time ago had I known that I had a legitimate debt. I also call the original hospital that I took my son to and they went out of business so there is no record of charges for services.

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 2023-09-02 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-02 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXXCapital One has a late payment on my credit report ; XX/XX/2021 XXXX XXXX XXXX XXXXXXXX has a late payment on my credit report ; XXXX XXXX has a late payment on my credit report as well. Privacy and Consent- There is no law stating that any transaction need to be reported. 

15 US Code 1666B- billing error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been getting constant Harassment and derogatory credit marks on my credit because of this company. I am a victim of Identity theft and made them aware with the proper paperwork and police report via notified mail. This is willful negligence and a violation of the U.S code 15 section 1681n

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Stepped into Lobby of Bank of the West in XXXX, CA during normal business hours. I wanted to make a CASH deposit only. But the Bank Personnel informed me they couldn't process any CASH transactions because they were Transitioning.

Bank of the West is being taken over by B
MO Harris right now. But I never in my Life heard a Bank say " Sorry we can't accept your CASH ''. 

CASH withdrawals yes, but CASH deposits? The complaint is I was NEVER informed prior to the Merge that the Local Branches wouldn't be able to accept any CASH! I knew online access wouldn't be there but the Local Branches should be able to accept CASH deposits during normal Business hours, don't you think so? This is poor Bank Management.

So this is all of the complaint. But now a few of my online payments are gon na BOUNCE and its not any of my doing since BMO/Bank of the West couldn't accept a basic CASH deposit.

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