vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Arena Investors, LP
State: PA

Complaint narrative:
SRA ( Strategic Resources Alternatives ) has violated my federal consumer protected rights! I have attached documents for further explanation of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Re : Bank and XXXX XXXX in Me-To-Me Scams. 
On XX/XX/2022 I received a security text from Wells Fargo XXXX ( XXXX ), informing me that there had been unauthorized card and 'XXXX  XXXX transactions. I checked my bank account and found unauthorized credit card transactions, so I responded " YES '' to the text. I then received a call from " XXXX XXXX, Agent ID : XXXX '' who informed me that my debit card had been compromised, and in addition, {$2000.00} had been sent via XXXX to a XXXX XXXX XXXX. He put a pause on my debit card, and had me 'reverse ' the XXXX transactions by sending money to my own zelle account linked to my phone number. I received confirmations of this via XXXX XXXX texts. 

However, I quickly became suspicious when his story became inconsistent and immediately called another Wells Fargo number listed on the website and spoke with an agent to verify what had happened. I read the phone numbers that had texted me and called me directly to the agent ; she informed me these were legitimate Wells Fargo phone numbers, and that XXXXspecial ' agents like XXXX XXXX had their own way of resolving things, and it should be fine. 

When no money had appeared in my account by XX/XX/XXXX, I called Wells Fargo again. They told there was no such thing as 'reverse ' transactions and had been sent outbound to XXXX XXXX Furthermore, they told me that legitimate Wells Fargo phone numbers were regularly spoofed, and that anyone could call from them. I filed a formal complaint with the bank to try to get the {$2000.00} XXXX transaction reversed and a short time later, this request was denied. On XX/XX/XXXX, I escalated this to a Wells Fargo consumer advocate, who filed a report with the executive office. I received confirmation of this filing. On the XXXX, the Executive Office responded, informing me that all XXXX transactions were irreversible, including those that were fraudulent and criminal, and it was my fault for failing to verify the recipient, despite the fact a bank employee had verified to me that this transaction was legitimate. 

Next, I attempted to file an official report with XXXX : XXXX required a 12 digit transaction ID to report a fraudulent transaction and their website informed me that " I could acquire this number from my bank ''. I ended up speaking with multiple escalating levels of representative, only for them to tell me that there are no such things as 12 digit transaction IDs. In conclusion, Wells Fargo enabled scammers to steal {$2000.00} from me, and made reporting all-but impossible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Td bank use a auto dialer to contact me multiple times a day about my closed account and my secured credit card as per ftc, fcc also As per section 47 CFR 64.1200 ( A ) ( 1 ) THE USE OF AUTO DIALER MAY ONLY CONTACT A PERSON HOME PHONE AND NOT A CELLULAR PHONE DEVICE TD bank did not have my written or oral promission to contact me by this way they have call me several times a day all different times a day I do have my cellphone records and if my request is not granted I'll be force to file a complaint against td bank by court with the help of a attorney I would like to only be contact by email by the response of td bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: OH

Complaint narrative:
Hello I am submitting this complaint about the consumer reporting agency EXPERIAN. On XX/XX/2022, I sent a letter certified mail ( third attempt ) to EXPERIAN to validate or delete inaccurate accounts being reported on my consumer report. EXPERIAN responded with a false claim the accounts have been validated. EXPERIAN has yet to show proof or any contractual agreement to support the claim of the account being validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: WI

Complaint narrative:
Hi, I have no awareness of these inquires on my credit reports & These accounts are fraud & even past the 7 yr limit. 
Inquires. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency ( N/A ) {$9200.00} ( this act is fraud, inaccurate & passed the statue limitations 7yrs from the 1st delinquency. This fraud acct. been o my reports for 19 yrs 3months! I never received student loans, SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF IT SHOULD E REMOVED DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX {$6800.00} ( this act is fraud, inaccurate info. & passed the statue limitations 7yrs from the 1st delinquency. ) More fraud accounts from Dept of education : XXXX XXXX, XXXX XXXX, xxxxxx XXXX, XXXX XXXX SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF, IT SHOULD E REMOVED US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( 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 2022-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: UT

Complaint narrative:
XX/XX/XXXX Crypto.com says use an authenticator to get my money, then rejects the authenticator codes. 
Crypto.com makes it impossible to get my money returned. They never answer my inquiries. 
I believe crypto.com purposely makes it impossible to get your money. This is a way they can keep your money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C.1681 section 602A.. States I have the right to privacy.

15 U.S. C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rights. 

15 U.S.C.1681 section 602A.. States I have the right to privacy.

15 U.S. C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
As XXXX XXXX veteran who has raised XXXX kids successfully and got a letter from President Obama and XXXX XXXX XXXX Obama through US Congresswoman XXXX XXXX, I have lived super honorably to support my young kids. To purchase something, credit utilization is very critical. Only thing most Americans cares is closing statement date, Navy federal credit union used to comply with me and my request, whenever I made a full payment to make credit utilization low ( zero ) on closing statement date, Navy federal updated and reflected on the same day to new statement ( closing statement date ). 

But, unfortunately, Navy federal credit union worker who is in charge of closing date statement has played with me and abused me for over weeks, Attached files indicated that I paid XXXX dollars in the credit card ending XXXX ( cash reward ) on XX/XX/XXXX to make credit utilization as XXXX before original closing date XX/XX/2022 but Navy federal credit union worker ****** ***** intentionally did not reflect on the new statement, the worker who is in charge of closing statement sent a message that they changed closing statement date to XX/XX/2022 without my consent and without considering my strong opposition. ( my opposition evidence is included in the attachment file of this case ). 
So I have waited to make a credit utilization XXXX until XX/XX/XXXX new closing statement date, based on the information they provided about closing statement date XX/XX/XXXX, I made a payment early morning XXXX dollars on XX/XX/2022. But in the middle of night, around XXXX pm on XX/XX/2022 ( which is not closing statement date ) Navy federal credit union worker posted closing date statement on XX/XX/2022 at XXXX. It broke the promise with me who is client and who has waited over weeks for a long time and work hard to make a payment for low credit utilization to purchase something very important for my kids in the near future.. 
Navy federal XXXX their client XXXX XXXX for over a month.. 
Navy federal credit union knows that how much important credit score and utilization for XXXX life and family. 

My supporters who are more than millions of XXXX, XXXX, XXXX Americans, all veterans who has served Americas freedom and I request Consumer financial protection bureau to instruct Navy federal credit union President/CEO to response to this urgent case ASAP. 


Best regards, Executed/Signed by The XXXX XXXX on XX/XX/2022 XXXX XXXX submitted XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) -XXXX bin number XXXX XXXX ( XXXX XXXX XXXX XXXX ) -XXXX Bin number : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I am an American citizen and I am very angry and disappointed at Sallie Mae. Covid19 have destroyed our life, our family lost all of our life savings and our family home. I decided to go back to college, I applied for a loan from Sallie Mae, at first I was denied because my credit was not up to date due to wife and I loosing our Job due to Covid19. Sallie Mae had requested a co-signer. The first co-signer, her credit was not excellent and Sallie Mae denied the loan. So I added another co-signer according to her credit report she has excellent credit and She is in possession of multiple real estate properties. To my surprise Sallie Mae intentionally willfully maliciously denied my loan. I have learned from my investigation, my sister who is a FBI agent and I don't mind providing you the badge number advised me that from her perspective as an agent, that Sallie Mae are profiling my application. She described it as if Sallie Mae has a policy of selective applicant denial. Based on confidential applicant nation of origin, there was confidential information has been placed in my social security file about my adoption name change. I was not born with name XXXX XXXX but my name was changed to match my adopted parents. I am advised by the FBI that the justice department civil rights division should look into Sallie Mae 's discrimination against me. I'm asking whoever agency responsible to get involved and prosecute Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi my name is XXXX XXXX I was a victim of identity theft and I reported problem to 3 Major Bureaus and creditors and upon doing my own investigation and contacting some creditors myself I found out that fraudulent account were open either with previous addresses either phone number and e-mail that fraudsters use were not mine and companies reporting to major bureaus came back with investigation results that investigation was done and information was correct but they were not.I attached proof such as rental agreement for the years where I lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: OH

Complaint narrative:
Hello I am submitting this complaint about the consumer reporting agency TRANSUNION. On XX/XX/2022, I sent a letter certified mail ( third attempt ) to TRANSUNION to validate or delete inaccurate accounts being reported on my consumer report. TRANSUNION responded with a false claim the accounts have been validated. TRANSUNION has yet to show proof or any contractual agreement to support the claim of the account being validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
innovate recovery removed debt from my credit report in XX/XX/XXXX and placed it back on again in XX/XX/XXXX. That is incorrect and I want it placed off my credit report ASAP. Once a debt is removed it should not be allowed to be placed back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: HW Holding, Inc
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX notified 60+ plus days prior to move out. ( Balances prior to move out paid in full. 

Attempted to reach Original Creditor XXXX XXXX via phone and email and have not received a response. 

Debt Validation letter sent XXXX XXXX ( Certified ) - no response. 

Erroneous Credit Reporting Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called Bank of America using the telephone number listed on the back of my credit card ( XXXX ) XXXX. The automated system was very difficult and intentionally disconnected on me several times. I was unable to get to a customer service representative. I asked the IVR ( interactive voice response system ) on innumerable occasions to transfer me to an agent. The automated system indicated for me to call back later then disconnected. This has happened to me every time I call. Pressing prompt XXXX, pound or star does not work, are considered invalid prompts. Speaking out loud and asking for a customer service representative is also considered an invalid request. This is unfair and deceptive practices. This is prohibiting me from checking my balance and making payments to my account. What do senior citizens with rotary telephones do? Or those that are XXXX and do not have a smart phone device? Bank of America is inappropriate and egregious. In addition, I asked the Bank of America agent a question, and she did not answer my question. Her name was XXXX located in Arkansas. The phone call was around XXXXXXXX XXXX XXXX Her identification number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
KLS debt collection agency has attempted several times to collect a {$180.00} debt from me that does not belong to me. I have called them to let them know that this debt is not mine. The guy tried to bully me and then threaten me with a damaged credit report. I proceeded to tell him that they have the wrong person that this debt does not belong to me but he persisted. Not only did he try to get me to pay it even after i informed him that it does not belong to me, they are reporting it on my credit report twice! I also noticed that they changed the dates and re-aged the account. They have violated my rights! I called the credit bureaus and they did not remove it from my report. Please help me in getting this removed. They are bulling people out of money with illegal practices and thinking they can get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX I was a victim of identity theft and I reported problem to 3 Major Bureaus and creditors and upon doing my own investigation and contacting some creditors myself I found out that fraudulent account were open either with previous addresses either phone number and e-mail that fraudsters use were not mine and companies reporting to major bureaus came back with investigation results that investigation was done and information was correct but they were not.I attached proof such as rental agreement for the years where I lived.

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