vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello I have now been dealing with this going on 8 years when someone stole my idenity. And I have spoken with many representatives regarding this debt. As this account is now hitting its 8th year mark and still being reported on my credit report. This account is not mines as I been stating the whole time I have never lived at this address nor do I have any knowledge of this account. Im asking for immediate removal as this has caused me alot of financial hardships. Im requesting immediate removal or I will find a consumer law in the next 30 days regarding this matter. As I have not been able to get a place. Also on each bureau they are reporting different last 4 of socials, different open and closed dates im just frustrated with this as I will attach a copy when requested. It multiple accounts that have been listed as I will provide attachment.

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 2024-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
They have only sent bills for DOS XXXXXX/XX/XXXX and XX/XX/2019 and a fraudulent Consent for Treatment from XXXX XXXX XXXX with an old signature of mine for both dates of service. The form from XX/XX/2019 has information that I am supposed too fill out written in by someone else and the form from XX/XX/2019 has information filled in by the computer that you can barely see. These forms were not included with the bills that they sent me the first time I request the proof that they had and these forms are not found in the chart notes for these dates of service. So I have no idea where they got these forms from, which is a violation of my HIPAA rights on behalf of XXXX XXXX XXXX. But I most definitely did not give Rash Curtis and Associates authorization to get them and I did not give XXXX XXXX XXXX authorization to release them. Also, I do believe under the No Surprise Medical Bill Act they can not bill my for emergency room services, if I did not give up my rights too getting billed for these services. Also, during these emergency room visits I was signed up for emergency Medi-Cal services , but on the XXXX DOS they have my middle name spelled wrong, and I don't know if they actually attempted too bill Medi-Cal for these services .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is imperative that this account is not included on my credit report, as it is not mine and appears to be fraudulent.

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 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am writing to express my extreme frustration and disappointment with Square, my account got deactivate On XX/XX/2022, I became aware that my funds totaling {$250000.00} will be held by Square for a period of 90 days, right now its over 18 months and my funds is yet to be released. 

As a XXXX XXXX, I have always relied on Square for its services, and this prolonged withholding of funds has caused significant financial hardship for me. Despite numerous attempts to reach out to the customer support team and follow the required procedures, I have received no satisfactory response or timeline for the release of my funds. 

This situation has not only impacted my ability to conduct business effectively but has also eroded my trust in Square as a reliable payment processor. I expect better accountability and transparency from a company of Square 's stature.

I want this issue to be investigated promptly and my funds released without further delay.

I look forward to your prompt attention to this matter and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: DE

Complaint narrative:
XX/XX/XXXX taxes done reopened my credit karma account XX/XX/XXXX taxes initiated into my credit karma account XX/XX/XXXX they close my account before my money hits my account XX/XX/XXXX got a email to call explain why my account frozen XX/XX/XXXX called no explanation why just wait for a email

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 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: CA

Complaint narrative:
complaint against Capital ONE Bank regarding reoccurring late fee charges on my statement please see attached Doc Direct consequence of these Fee have my Capital One Bank account balance exceeded the credit limit, leading to additional fees and penalties. 
The late fees imposed by Capital One Bank due to the inflated bill amount have further exacerbated the financial burden and has caused undue financial strain and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
The Jefferson Capital Systems added a collection to my credit report, reporting fraudulent collection that I opened an account in XXXX and they are tried to collect debt that I have not even opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
SEQUIUM ASSET SOLUTIONS, Did not provide me with written communication about this debt. Refused to send me a debt verification letter. Can not prove this debt belongs to me. Statute of limitations in California is 4 years. And the statute of limitation has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
I received calls from Phoenix Financial Services several times in one week. 
I fully authenticated my information and they informed me of a medical debt. 
I did not dispute the debt and told them I want to wait to discuss this until I receive a letter in the mail. They told me it was mailed on XX/XX/2024. I told them to not call me, I will call them back when I receive the letter. 
The most recent call I had was from XXXX, his EXT is " XXXX '' and he opened up right away offering 50 % off using threatening language that I needed to pay now to take advantage of this offer and that it might not be available if I wait. 
I told him I still hadn't received paperwork and I was waiting. I told him to stop calling me and that they were harassing me. He did not acknowledge it but instead said he " had no control over the dialer. '' The caller was very pressuring, rude, and did not listen to me about not calling. He tried putting words into my mouth that I was " disputing '' the debt but that it not true. I told him I acknowledge it but I wanted to receive the letter first and not have them call me anymore until I call them back myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
It is imperative that this account is not included on my credit report, as it is not mine and appears to be fraudulent. I urge you to take the necessary steps to address these inaccuracies promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: AL

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.

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 2024-02-23 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: Experian Information Solutions Inc.
State: AL

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.

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 2024-02-23 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: NV

Complaint narrative:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up this fraudulent account in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete this account IMMEDIATELY! 

This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of this account listed IMMEDIATELY!

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 2024-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Loan modification letter of XXXX stated deferred principal of XXXX. Letter from Wells Fargo dated XXXX stated deferred interest of {$60000.00}. Now wells wants to charge that as additional fee I have to pay for foreclosure. Wells knew I had over {$500000.00} equity in house and refused to give me 30 days for a private sale and keep my equity. Continuance denied on XXXX. Foreclosed on XXXX. I sent wells a copy of appraisal done by XXXX XXXX stating replacement value of house was {$1.00} XXXX. Only owed Wells {$550000.00} so wells knew they would never lose money letting me do a private sale to retain my equity. After foreclosure, wells charging attorney fees and deferred interest of $ XXXX. Home sold in foreclosure for $ XXXX, owed wells $ XXXX should equal excess equity to me of $ XXXX. Wells attorney mentioned net payout to me around $ XXXX, for a total loss in equity to me of {$1.00} XXXX minus mortgage owed of {$550.00}, equals an equity loss to me of {$770000.00}. So wells XXXX  me out of my equity by refusing to let me have foreclosure continuance and retain maximum equity, then XXXX  me again by adding fictitious charge of deferred interest of {$60000.00} to foreclosure expenses. Thanks for your help. I have wells documents to show you 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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX  ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SSN : XXXX Sincerely 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 2024-02-23 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: GA

Complaint narrative:
PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY CREDIT -CREDIT SERVICES-XXXX  -XXXX  XXXX -THE XXXX XXXX INQUIRIES -IMPORT PLUS- XXXX XXXX AND XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a customer of XXXXXXXX XXXX XXXXXXXX ( now XXXX ) since XXXX. Have never been late in payment ; have continued to pay annual fees of {$95.00} ; never exceeded my limit. 
XXXX XXXX informed me that my credit limit has decreased to {$1000.00} due to total amount of credit open. This action has severe negative impact on my credit score which has always been between XXXX. 
I called the company on XX/XX/XXXX and was told this is the company policy. I asked to escalate the issue. As of this date, despite multiple calls, I have not received a call back. 
I am quite sure this is part of the company 's new approach of profiling consumers and don't see any basis for the company 's action because of the following reasons : 1 ) nearly perfect credit score ; 2 ) all credit cards are paid in full each month- with the exception of one where I am taking advantage of free interest ; 3 ) annual income is in the range of {$700000.00} to {$1.00} XXXX ; 4 ) liquid assets are above $ XXXX ; 5 ) have no adverse action or information on my credit. 
At this time, I am asked to pay a {$95.00} annual fee for a credit limit of {$1000.00} which represents nearly 10 % of my credit limit. I have not received any justification for this other than referencing company policy. I have now been on hold for 40 minutes as I complete this claim.

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 2024-02-23 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties.

15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure.

Therefore I am opting out and not authorizing it to be used on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied online for a promotional offer. They approved me. I spent money on the card to start getting my award. They then said I had it 3 years ago I need to wait 4 years. I said you approved me. I spent the money and now you say this. They did not disclose this before approving me. They could have rejected me or let me know ahead of time. That information was not clear in the advertisement. I sent them photos. I called and explained the situation several times. After being denied by letter on XX/XX/XXXX I spoke to a manager, XXXX who gave me a small XXXX compensation in miles and {$100.00} statement credit. He said he will re submit the information. I called back again XX/XX/XXXX the man XXXX said they were still waiting for a response. I called back on XXXX XXXX and the girl said to check on my next statement. I have not received any further information or credits or bonus miles. I called today XX/XX/XXXX. The man, XXXX said it was rejected, but I never got a second letter or response. He said this information is usually hidden in the fine print and he can not to anything more to help.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the company Jefferson Capital Systems has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX This company has committed fraud stating my MIDDLE name and has account older than 8 years since XXXX went under in XXXX. They stated I opened the account XX/XX/XXXX which is false since the original company went out of business over XXXX years ago. 

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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