vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This company continues to call me on a daily basis. At least once daily and often twice a day. I have sent notice that it is not my debt and they say they have verified.

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 2022-11-17 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: SC

Complaint narrative:
Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a 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 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any 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 explanation
Consumer complaint received 2022-11-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have dispute two accounts with Equifax. every time this accounts come back verified. 
account. 

1 # XXXX XXXX XXXX XXXX 1.the date of first, requested who did Equifax Please tell me how you VERIFIED the account referenced above?

2.Who did you talk to at the original credit grantor?

3.Did you write them?

4.Was a XXXX  form used or was this through electronic automatic dispute verification?

5.Did you contact them at the same address/phone number listed on my report?

6.Tell me exactly how you verified them and include the full name of the person you spoke with.

7. Also, what is the date of the commencement of delinquency?

8. The original creditor is required to give that to you. So when is that?

9. And when will this trade-line be past the reporting timeframe? 

I contacted the XXXX XXXX XXXX XXXX  myself to ask if they had spoken to anyone at Equifax they informed me no. 

also after disputing this account they updated inaccurate information instead of removing the account and its entirety. 


ACCOUNT # XXXX XXXX XXXX  XXXX XXXX THIS ACCOUNT HAS BEEN RE-AGED XXXX. DATE OF FIRST DELIQUENTCY IS INACCURATE XXXX. ACCOUNT HISTORY IS MISSING INFORMATION XXXX. MONTH RECEIVED INACCURATE XXXX. TYPE OF ACCOUNT SHOWS OPEN ( NO COLLECTION ACCOUNT SHOULD HAVE A STATUS OF OPEN ) XXXX. THIER SHOULDN'T BE AN AMOUNT PAST DUE, I DID NOT TAKE OUT OR RECEIVE A LOAN WITH XXXX XXXX XXXX. 



PLEASE SEE ATTACH AS ITEMS ARE HIGHLIGHTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 I received my temporary XXXX payment on my Bank of America EDD debit card not 10 minutes after the money posted I had XXXX dollars transferred to an unknown bank acct. I called them immediately and filed a claim less than a week they denied it I filed a reconsideration that was denied even after I did what I was advised to do ie : filed a police report, sent in a letter letting them know I never authorized a one time transfer to this other unknown acct, that if I had it would have gone into my personal acct ending in XXXX that if I had it would have went into my personal acct. And a copy of my personal bank acct. I am now as of XX/XX/2022 on my 3rd reconsideration with no help insight from Bank of America claims department. I have requested the documentation they used to deny my claim they sent a transaction report that's it I have no Bank of America near me where I live. All the info I get is that this money went into acct number ending in XXXX I am not associated with this acct.

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 2022-11-17 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: FL

Complaint narrative:
So I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. 
According to the fair credit reporting act XXXX XXXX XXXX. I have the right to privacy. 
Also, according to XXXX XXXX XXXX. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

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 2022-11-17 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: FL

Complaint narrative:
So I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. 
According to the fair credit reporting act XXXX XXXX XXXX. I have the right to privacy. 
Also, according to XXXX XXXX XXXX. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 2022-11-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
There is an account with Capital one that i did not open and i can not get ahold of anyone at capital one to help me. No one will answer the phone or will answer my questions. I have atatched my police report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I sent a XXXX transfer using the wrong phone number. 

The phone number is not in operation. 

Bank of America 's mobile app filled in the contact info for me when I started entering the phone number. I mistook it for filling in the information for a registered XXXX user. 

I have followed their procedure to ask for the money back, but they have denied it twice with no information as to why except they " followed my instructions. '' On the phone they'll say it's up to an unnamed " third party '' bank whether to refund me or not. In truth, it being a non working number, it was probably sent into XXXX and they haven't refunded me because they can't spend XXXX XXXX having a live human consider that. 

All info for the complain was taken by them via phone.

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 2022-11-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Dear Credit Management, you violated XXXX XXXX XXXX, consumer, rights to privacy in addition to violated the Fair Debt Collection Practices Act. See attachments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
This company called me and asked if I was the person they were searching for. I told them I was. I then asked the collector to please stop calling, send a verification of debt, validation letter, original contract with my name on it and signed, and the verification that they have the right to collect from me. The lady asked for my birthday and again I asked to have those items and for her not to call anymore or the company. I did not answer about my birthday. She got irate and said she refused to send anything g bevause I did not answer her question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed complaint XXXX on or around XXXX XX/XX/2022 indicating that the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) had supplied Equifax with XXXX information for a credit card account and a line of credit ( revolving student loan ). It is now XXXX XX/XX/2022. Clearly, Equifax did not read documentation and used eOSCAR to conduct automatic update of information from the data furnisher with whom I am disputing payment history. Equifax has been made aware that the data furnisher violated Regulation Z and Regulation F, the XXXX, the FDCPA, the FCRA, and the XXXX. Equifax received a copy of the complaint I sent to the office of my state 's attorney general and the US Attorney 's Office for my district, which cites the specific state and federal law violations. Yet, having received those complaints and the copious documentation supplied, some of which includes documents from the data furniser acknowledging a system failure that caused months of no delivery of electronic statements OR paper statements, Equifax has persisted in the invalid/incomplete information claiming the data furnisher " verified '' the accuracy of the information. I Included documents with complaint XXXX ( screenshots ) showing the data furnisher 's system indicating not only XXXX ( XXXX ) access to paper statements and electronics statements, but the records showing I had XXXX ( XXXX ) accounts for the periods in he data furnisher supplied Equifax with information regarding late payment history and charge-off. Equifax is persisting data that indicates I failed to pay on an account through charge-off, when Equifax has the documentation from the data furnisher indicating the furnisher DID NOT bill me, allegedly fixed the problem, only for the probelm to return, causing the accounts to subsequently be charged-off. Based on a preponderance of the evidence supplied to Equifax in complaint XXXX, Equifax knows XXXX or SHOULD know, ( should have reasonable suspicion to believe based upon documentation supplied ) that the information supplied by the data-furnisher is incorrect. Yet, Equifax persists the invalid and/or unverifiable information. With just the statement here I have cause to sue Equifax. Instead, am requesting this matter to be resolved using this CFPB process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: SC

Complaint narrative:
Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a 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 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any 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 2022-11-17 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: SC

Complaint narrative:
Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a 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 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
AUGUSTA COLLECTION AGENCY NEVER VALIDATED THE DEBT ( PER MY WRITTEN REQUEST ) BUT THEY ARE STILL REPORTING IT TO XXXX. THIS IS A COMPLETE VIOLATION OF THE FAIR CREDIT REPORTING ACT!!!!! WHICH CAN ALLOW ME TO SEEK DAMAGES FROM THE COLLECTION AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Caine and Weiner reported a debt in the amount of {$250.00} on XX/XX/XXXX. No letter was ever sent to me regarding their ownership of the debt or who the original debtor was and my rights to dispute the letter. I called multiple times to retain information or dispute this account but they always lie and say they dont have any notes that I called or spoke with anyone. 

On XX/XX/XXXX when calling them in attempts to retain more information and possibly settle the debt, I was informed by a manager that it is illegal for them to remove a negative mark off any credit unless the amount is paid in full. This is a direct violation of the Fair Credit Report Act which does not state that it is illegal for credit agencies to delete a debt unless paid in full. If there is an error the collection agency must work to fix that error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
I received notice that Blitt and Gaines , P.C . filed suit in the XXXX XXXX XXXX XXXX XXXX XXXX Court Division in Missouri. Case # XXXX. They were suing for {$1700.00} on XXXX XXXX XXXX XXXX XXXXXXXX for an alleged credit account debt on an account that was opened in XXXX in North Carolina. Blitt and Gaines stated in their filing that the last payment was made on XX/XX/XXXX. The suit was filed on XX/XX/XXXX. This would be approximately 3 years and 3 months since the last payment was made on this account. North Carolina Statute of Limitations on credit card debt is 3 years making this suit time barred. I advised the Blitt and Gaines and the Court of this fact in my response to the suit. Had case continued and then appeared for a court date but the court continued the case. I advised all parties that I was a XXXX XXXX  and due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was unable to attend the next court hearing and the court denied a continuance and a default judgment was entered. 
Regardless of the validity of this debt it was time barred and I believe Blitt and Gaines used the Missouri Court system to collect a debt that the Missouri Court had no jurisdiction over and actually succeeded in their attempt to manipulate the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BlockFi Inc
State: CA

Complaint narrative:
I deposited a total for {$10000.00} into an 'interest ' account with BlockFi ( {$5000.00} on XX/XX/XXXX and {$5000.00} on XX/XX/XXXX ). They said that I could withdraw at anytime but it would take up to 7 days to withdraw. I tested this months after depositing and was able to withdraw {$2000.00} on XX/XX/XXXX. 
I just tried to make another withdrawal on XX/XX/XXXX and they are saying withdrawals are paused. but they never told me that they could pause withdrawals. I want my money back and they are not giving it to me. How can I get help? this is my life 's savings and I am incredible stressed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Borrower applied for COVID forbearance modification but Carrington denied all retention options including a traditional modification and/or COVID partial claim

Company response to consumer: Closed with explanation