vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: FL

Complaint narrative:
Frost-Arnett , a debt collector, continues an attempt to collect a non-existent debt in the amount of {$92.00}. This amount was paid promptly at the office of the provider, on the very same day of service, XX/XX/2023. Weeks later, I received a lengthy phone call from someone representing the provider, XXXX XXXX, seeking the amount in question. I told them that invoice had been paid and advised them to check their records for the payment, which was made directly with the service provider. There was an obvious failure by them to perform any due diligence in this respect and are now harassing me by issuing collection letters which require my time be spent on contesting something that could have easily been dismissed. 
I have receipts from the provider for the amount being requested. It appears they would rather spend their time trying to collect twice rather than checking their own records! I find this type of business practice both predatory and intolerable, requiring some sort of legal remedy to put a stop to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

XXXXXXXX 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. 

This inaccuracy is stopping me from wanting to get a new home for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed this account that is not mine several times. XXXX keeps stating they verified through XXXX which is incorrect I have my report from XXXX and this is not on there I even have letter from XXXX XXXX  stating they sent correspondence to XXXX to remove said item

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 2023-07-24 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: CA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX 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 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: FL

Complaint narrative:
This company puts a collection account on my credit report and I try to contact them and they dont want to provided me with any documents that its my account. 

Company name Zions Debt Holdings LLC

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I traded in my car XX/XX/XXXX XXXX XXXX XXXX was paid XXXX owed. To this day transunion, XXXX and XXXX  still show I owe that loan is closed..when i log in it says closed paid off so why is this not reflected on my credit reports a month later!

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 2023-07-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BID SOLUTIONS LLC
State: WA

Complaint narrative:
Back in XX/XX/2022 I reached out after receiving a mail brochure to help get assistance with my mortgage due to extenuating changes in my financial situation preventing me from being able to pay my mortgage. The company had me sign documents one very specifically stating there will be no further charges past a set {$6200.00}. After several delays on their part causing this to drag one way into 6 months the total payments sent to them in excess of over {$12000.00}. I ended up having to resolve the issue directly with XXXX XXXX XXXX XXXX because the company was unresponsive to them and submitted paper work with no contact information. Throughout this entire process they ignored my emails and voicemails. If I finally got someone on the phone I asked to speak to management and was flat out denied or they would say someone would call me right back and it never happened. In addition to everything their false promises of reducing my mortgage actually put me in a position where I now have a lean against my home and my mortgage payment has gone UP by {$57.00}. I fully believe I should get back every cent I paid this horrible company as they did not honor a single commitment that was made, if this is not a possibility this company needs to be held accountable to pay back the additional {$6200.00} that was paid to them as their representative told me I have to keep submitting payments until the issue is closed out. The office of the comptroller of the Currency requested I file a complaint with you. My case number with them is available should you require it. Thank you so much ahead of time for anything you can do to help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I wanted to close my Business checking account with Bank of America. Once again they are giving me hard time and not doing so. Bank of America is too big and too inefficient. Bank of America hardly employee good people - cheap and mediocre people working here. 
Called them on XX/XX/2023 to close the account. Chatted also. 
Apart from this raised CFPB complaint where some XXXX Bank of America employee sent me a secure email but when I asked to close the account she shamelessly asked me to call Bank of america customer service to send me in circles. 

I want this account to be closed. Called multiple times. Can't waste time to go to branch. this desperate Bank of america should not be doing scams of opening the accounts as mentioned here : XXXX XXXX XXXXXXXX

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this inquiries from my credit 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 non-monetary relief
Consumer complaint received 2023-07-24 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am refilling this complaint is for WELLS FARGO. I sent them letters several times XXXX ; XXXX ; XXXX regarding the inaccuracies in my report due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX my account was with no funds, and my monthly {$2500.00} gym membership was deducted and Bank of the west charge me {$3500.00} overdraft fee that was not authorized. Because when I open this account the XXXX ask me what I would like to do if was no funds. And I opt to don't charge me overdraft and simple decline the transaction. They didn't right and don't honor it. I already tried to solve with the bank but nobody answer me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: U.S. BANCORP
State: CA

Complaint narrative:
XXXX They said there helping but there not and I'm getting XXXX by them and I'm not going to allow it. I'm ready to sue them for there fraud actions now.. This is XXXX XXXXXXXX XXXX scams all over again .. ( XXXX ) XXXX new cell #

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 2023-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Calling repeatedly and frequently, not waiting XXXX minutes between call attempts. 
Calling frequently from multiple numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Why is there interest on my new IDR program that was set up during the XXXX before payments started? This should be a reset without interest payments, yet an accrued interest of {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
SLS is WITHHOLDING insurance funds for repair to my home due to a SEWAGE backup which caused XXXX XXXX XXXX XXXX due to their delays and his exposure to sewage ( for which I will be suing after this is done ). we BORROWED money to complete the repairs that the insurance company had actually paid for in XXXX. 

Instead of putting in wall to wall carpet which bred the XXXX that caused my XXXX XXXX - we ( at greater EXPENSE ) put in wood flooring to alleviate any future germs/illness. Their unprofessional and UNKNOWLEDGEABLE inspector indicated that the FULLY finished work was not done because " carpet was installed '' ... XXXX.He also asked me if we were going to " paint a pipe access panel '' ( which he referred to as a closet ) that was NEVER painted before and has a board that covers the access - since it is a XXXX ACCESS PANEL. They have caused me loss of income for these inspections as I have to take off work when they are done, health issues for my child, undue stress, out of pocket expenses and needless delays. They continually respond with nonsense answers and have not been taking into consideration the FULLY DOCUMENTED timelines, notes and issues ( all of which I CAN DOCUMENT )

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I contacted XXXX on XX/XX/2023 after receiving an email saying that there was a problem with one of the documents I uploaded to verify my identity. On that call I asked the agent why didnt my mortgage statement suffice that I not only owned my home but lived there and she decided to get unprofessional and I asked to speak to a supervisor. However while the call was being transferred I was hung up on. I called again on XX/XX/2023 about being sent another document upload link to upload a copy of another bill. On that call I once again dealt with someone unprofessional who began to over-talk me. She did tell me that on my call that I made on XX/XX/2023, I stated the application was fraudulent. I said I never said anything about the application being fraudulent only that I didnt want to keep sending in all of my information because I dont know if any of them do fraud and will steal my information. I then asked to be transferred to supervisor and thats when I spoke with XXXX. She like all the other agents tried to over talk me and the proceeds to tell me that I did say the application was fraudulent. I said well then the call needs to be listened to and she responded theres nothing we can do and then refused to give me her employee ID when I said I was filing a complaint. Ill NEVER SHOP AT TARGET again because all of this felt like retaliation because I told the rep on XX/XX/2023 to talk to my respectfully and when she chose not to I asked to speak to a supervisor in which she hung up on me instead. Im also getting a lawyer involved since Target  XXXX likes to use retaliation tactics to dismiss potential customers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that not proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Ive had issues with fees being reversed by Barclays XXXX Mastercard. They dont keep track of previous calls and dont do calls backs. Interests fees that were supposed to be waived were not applied and balance kept rolling over with late fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
My ex-wife still has the {$6000.00} diamond ring that I bought her on my ZALES credit care/Comenity Bank XXXX She says she doesn't have it anymore, but I can prove otherwise from recent photos of her wearing it. I've asked her several times to sell so I can pay back ZALES or Comenity Bank, however she refuses to do so. I have received calls and letters from Comenity Bank about paying back this debt. This is just a fraction of the {$200000.00} debt that my ex-wife put me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Virtual Assets, LLC
State: NY

Complaint narrative:
I am writing to file an official complaint against the website www.cryptodispenser.com for engaging in fraudulent activities and failing to provide any form of customer support. It has come to my attention that this website has scammed not only myself but also numerous other individuals out of their hard-earned money. Despite multiple attempts to contact their support staff, I have received no response via phone or email. 

On [ XXXX ], I deposited {$30.00} at a XXXX location , as instructed by www.cryptodispenser.com. I have attached a copy of the receipt as proof of my transaction. However, upon attempting to withdraw or send the funds, every transaction has resulted in a " failed '' status. This clearly indicates that www.cryptodispenser.com is operating dishonestly and intentionally deceiving its users. 

The lack of any available support staff is deeply concerning. The provided phone number never answers calls, and emails sent to their designated email address have gone unanswered. This complete absence of customer service demonstrates a blatant disregard for the concerns and issues faced by their users. 

I would like to emphasize that www.cryptodispenser.com is undoubtedly a fake and fraudulent platform. Their actions have caused financial loss and emotional distress to myself and countless others who have fallen victim to their scam. It is imperative that immediate action be taken against this website to prevent further harm to unsuspecting individuals. 

I kindly request that the you thoroughly investigates this matter and takes appropriate measures against www.cryptodispenser.com. It is crucial that they are held accountable for their fraudulent activities and compelled to refund the money they have unlawfully obtained from innocent individuals. 

Thank you for your attention to this matter. I trust that you will take swift action to address this issue and protect consumers from falling victim to www.cryptodispenser.com 's scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX XXXX ACCOUNT # XXXX Balance 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 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: CT

Complaint narrative:
Chime closed my XXXX XXXX account when I had reached out to ask why they had reported a balance on my credit card of {$3000.00} to the credit bureaus. 

No answer was received. I have called and emailed over 30 times. All of my responses were automated. Chime supervisors hang up the phone everytime I ask what happened. 

They said I requested to close my account, which I repeatedly stated that I did not. 

They will not allow me to access my XXXX XXXX account, took my money and said they are only refunding {$30.00}. 

My credit card could only be used if I had funded it, so why are they now saying they took my money to cover a balance?

Company response to consumer: Closed with explanation