vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Professionals, Inc.
State: CA

Complaint narrative:
Action Professionals at XXXX XXXX XXXX in XXXX XXXX, CA XXXX ( XXXX ) XXXX has fraudulently placed a medical collections onto my credit report for a deceased man they know I was not legally married too because he was still legally married to another woman at the time of his death. I did speak to the collection handler and he refused to correct and remove the collections from my credit report even knowing it was not mine nor my legal obligation. The collection is for {$3100.00} and was placed onto my credit file XX/XX/2021

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

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 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had applied for a chase buisness credit card and they had denied me because of my personal credit report and my personal credit score violating U.S. code 1681. And they should have not looked into my personal credit at all.

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 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
Canceled lawn care services in XX/XX/2021 and received cancellation confirmed number. They continued to send technicians for 2 additional treatments after the cancellation date. Informed technician that service was canceled but he continued to spray the weeds. I can provide a copy of the emails with cancellation # dated XX/XX/2021. I do not plan to pay for any service performed after that date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 

The items listed below and on the attached copy of the report I filed with FTC. ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

Experian will not remove fraudulent XXXX credit card account and address. 
I mailed one copy of a government issued identification card. 
One copy of a utility bill. 
My full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years Federal Trade Commission letter Police 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 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
I made a {$2200.00} regular payment plus an additional principal payment to Shellpoint mortgage servicing ( check # XXXX mailed XX/XX/XXXX ) and they have once again incorrectly applied my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
After being unable to add my banking information, I reached out and was told that there was a block on my account. He told me that he removed it and that I would be able to add my banking information. I still was unable to add my banking information so I had to reach out again wasting more time. I finally got through to XXXX who has no idea why I'm having to go through this entire process a second time. There's no accountability at PayPal. I was told that I needed to be transferred to TWO more departments to close my account. I am tired of having my time wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: PA

Complaint narrative:
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was harmed by TransUnion a Credit Reporting Agency via invasion of my right of privacy. I was informed of this trespassing against my rights specifically 15 U.S.C. 1681 - Fair Credit Reporting Act by TransUnion a credit reporting agency on XX/XX/22. According to 15 U.S.C. 1681a definitions of the Fair Credit Reporting Act, I as a natural person possessing an open end credit plan was harmed by TransUnion with the invasion of my privacy by furnishing accounts labelled as exclusions to a consumer report under 15 U.S.C 1681a ( d ) ( 2 ) ( B ), in addition my credit information was given out without my consent resulting in a numerous amount of inquiries now present on my consumer report not attached to accounts further invading my right to privacy as a consumer. Pursuit to 15 U.S.C. 1681n TransUnion is now Civilly Liable to pay me for the damages as well as the hardship caused by the damage caused to my reputation as a consumer in the value of ( {$1000.00} ) per inquiries not attached to an account as well as ( {$1000.00} ) per account furnished by invasion of privacy and inaccuracy as an exclusion from a consumer 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 2022-01-11 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX XXXX XXXX with a balance of {$2100.00} XXXX XXXX XXXX XXXX  Credit Card with account # XXXX with a balance of {$1300.00}. 
XXXX with a balance of {$1100.00} I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo and Wells Fargo Advisors, have failed to supervise their Financial Advisors for improper use of their client directed Asset Advisor Accounts. Some Financial Advisors at the firm, utilize the account as a FA discretionary account. Instead of calling the client before placing trades, specifically elderly clients, about trades that are made in the account, the FA takes discretion and places trades. Some FAs also use the account to generate ongoing fee based business by placing securities in the account that are long term holds, with little or any other securities in the Asset Advisor Account. These long term hold securities should be placed in a regular brokerage account, where ongoing annual fees are not charged to the client. I have made Wells Fargo aware of these inappropriate uses of the Asset Advisor Account, to my immediate supervisor, XXXX XXXX, who has recently been fired. He was the Divisional President. In addition, I have made XXXX XXXX, Head of the Branch Network at XXXX, aware ... XXXX XXXX, President of XXXX, and XXXX XXXX, previous President of XXXX, and now President of the XXXXXXXX XXXX at XXXX, are also all aware, and they all have done nothing to stop it. The improper use of the Asset Advisor Account in order to generate fee based revenue is a systemic problem at the firm across their entire footprint. I can attest to this and provide evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Vehicle was in a motor vehicle crash on XXXX, it was deemed a total loss on XX/XX/XXXX. XXXX reached out to Ally for a guarantee payoff amount. On XX/XX/XXXX, I was on the phone with Ally Financial Services and XXXX to obtain the payoff amount. Ally said on a recorded line that they were having technical difficulties and it would be there in 5 business days. On XXXX I called XXXX and Ally Financial Services failed to submit the payoff amount. On XXXX, I called Ally Financial Services and was told that it was faxed at XXXX XXXX on XX/XX/XXXX to XXXX though XXXX did not have it. On XXXX XXXX called Ally Financial Services while I was on the line and they transferred us to Total Loss which then hung up and said it was the end of the day. On XX/XX/XXXX XXXX called Ally Financial Services again while I was on the line and said it was not faxed on XX/XX/XXXX and would need to be done again. The Ally Financial Services rep said it should be there by XX/XX/XXXX and said shes sorry for the inconvenience. At this point, I am paying out of pocket for a rental because Ally Financial Services failed to complete their end of this. XXXX has also asked Ally Financial Services for a verbal payoff amount and Ally refused to provide this on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I asked to speak to a supervisor and was denied. I called Ally myself on XX/XX/XXXX and was again denied to speak to a supervisor. Ally has far exceeded the promised date of 5 business days to complete this task.

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 2022-01-11 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX XXXX XXXX with a balance of {$2100.00} XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX with a balance of {$1300.00}. 
XXXX with a balance of {$1100.00} I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer 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 2022-01-11 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX XXXX XXXX with a balance of {$2100.00} XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX with a balance of {$1300.00}. 
XXXX with a balance of {$1100.00} I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer 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 2022-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I don't know that date it was many years ago. The company was Amscot. I have tired calling and going to Amscot. Nobody will tell me anything but that I have a loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, after finding out that my XXXX direct deposit had not posted on the XXXX as it always did, I called my case manager and was told that the money had been sent on the XXXX to be deposited on the XXXX. I contacted Bank of America ( BOA ) and after being on hold for over 35 minutes, I went to the branch on XXXX. After speaking with the Branch Manager and explaining my situation, she explained that they would call the ACH department. XXXX called the department and was placed on hold. While he was on hold, I pulled up the mobile app, and saw that my account had a negative bal. At this time, I went nextdoor to the credit union obtained some money to bring my account to a positive balance. When I returned, XXXX was still on hold but, XXXX said they would get to the bottom of things for me and call me. I never received a call. On XX/XX/2022, I received notification that my direct deposit I had posted this morning. At XXXX after the branch had closed, I received an email that I had been charged {$100.00} in NSF fees. I contacted the customer service department first I spoke with XXXX from New York, explained what had transpired and disputed the NSF fees. He stated that the deposited arrived this morning. I stated that this was not true and that it was confirmed that it had been sent earlier and was dated to be deposited for the XXXX as it had been for the past 2 years. I asked to speak with his supervisor and was eventually transferred to XXXX who confirmed that the direct deposit had been processing but that it had been finalized this morning. At this point, I interjected and stated that as a result of their processes I am being penalized to the tune of {$100.00} when they had my money, but did not deposit it in my account, how is that fair and how is that customer service? If anything, that is fraud.

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 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
Tried to resolve this with this company, they sent me this a response. The company didn't do the right thing, they have committed fraud. This needs to be addressed and forwarded to the FTC and FBI and I will be ready for a federal lawsuit and will be in presence to every legal trial. 

As an American My Rights Have Been Violated, This company did not protect the consumer, therefore they are an fraudulent company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TX

Complaint narrative:
Transunion & XXXX is reporting DEROGATORY which is inaccurate the following XXXX XXXXXXXX debt that should be reported to PAID as other two bureaus have reported incorrectly. 

I have already disputed with Transunion & XXXX multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. ( Transunion ) Account No. XXXX XXXX {$560.00} ( XXXX ) Account No. XXXX Amount {$400.00} THE TYPE OF INACCURACIES ARE UNACCEPTABLE AND I HAVE A RIGHT TO A ACCURATE CREDIT FILES

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