vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
ON XX/XX/2023, I CALLED XXXX CREDIT CARD XXXX IN HOPES OF GETTING ASSISTANCE WITH LOWERING MY MONTHLY PAYMENT. WHEN I CALLED, THEY INFORMED ME THAT THERE WAS NOTHING THAT THEY COULD DO TO ASSIST ME. IF I WANTED TO LOWER MY APR, I WOULD NEED TO DO DEBT CONSOLIDATION. THEY DID NOT HAVE A HARDSHIP PROGRAM. IF MY ACCOUNT WAS IN COLLECTION, THEY COULD ASSIST. I EXPLAINED TO THEM THAT DUE TO MY MOTHER BEING DIAGNOSED WITH XXXX, I HAD TO PAY HER BILLS. I HAVE BEEN PAYING MY BILL ON TIME, IF NOT EARLY, FOR YEARS. I WANT TO PROTECT MY CREDIT, AND I AM WILLING TO CONTINUE STILL TO PAY ; HOWEVER, I NEED ASSISTANCE. I WOULD HAVE THOUGHT THAT THEY WOULD HAVE ATTEMPTED TO ASSIST ME IN MY TIME OF NEED. XXXX ( ID # XXXX ), A SUPERVISOR WITH XXXX, INFORMED ME THAT THERE WAS ABSOLUTELY NOTHING THAT THEY COULD DO TO ASSIST ME.

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 2023-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Yes I do have overdraft fees at my bank RBFCU but they are charging me XXXX every time I turn around d even when they don't pay for the transaction. I'm on a fixed income and I only get XXXX a month and this month alone I already have over XXXX in overdraft fees alone. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I did not authorized this bank to pull my report for inquiry on XX/XX/21 and XX/XX/21.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I received a letter from MANDARICH Law Group. 
They said I owed them money? 
I do not owe them money, nor have I ever done business with them. 
I have done research on them and found that they use unethical practices to collect money from people. 
They escalated their harassment from week of XXXX. 
They are sending a woman to my door after dark, and the woman is ringing the doorbell, banging my security door like a violent person, calling my name ( XXXX XXXX XXXX? 
I am frightened for my well-being, and can not stay home because I am fearful. 


I am a XXXX XXXX XXXX WIDOW, with a broken knee and other health issues. 
I have been staying away from the house because of this violent harassing behavior! 
I reported this to the XXXX with no response so far? 
I want this HARASSMENT to CEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed false information on my credit report in XXXX and I finally heard back from XXXX with no result but they wanted me to send my ID and I have disputed these matters months ago. I requested removal of the inaccurate information on 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 explanation
Consumer complaint received 2023-02-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent a dispute to Equifax which consisted of two disputes. The first stated I had not received a debt validation letter for the XXXX XXXX collection entries on my file. That dispute was addressed. The second dispute was not. XXXX account # XXXX is reported as two different amounts due and XXXX. XXXX is reporting {$510.00} and XXXX of XX/XX/XXXX. Equifax is reporting {$22.00} and XXXX as XX/XX/XXXX. I requested these entries be deleted since they are being reported inaccurately. Please review dispute and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have a credit card from US Bank and I receive a statement for a {$2500.00} dollars purchase, but I wasnt me because at the time of the purchase I didnt receive my credit card ( I applied for the card I have approve but at the time of the purchase i didnt received my card ) I put a dispute with the bank and they said that I have to paid for that charge, am going to do a police report because I wasnt me who spend that amount of money.

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 2023-02-11 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: DISCOVER BANK
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Discover Bank Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XXXX, 2022, Bank of America took over the processing of my mortgage from another lender. Since that time, there have been numerous mistakes. 
XXXX. No tax records. It is XXXX and I do not have my 1098 tax records yet. Bank of America claimed that they could not send me my tax records because they did not have my address although they are holding the mortgage of my home. The former lender had no problem sending me their 1098 tax records. Furthermore, I have received some mail from Bank of America since they took over my mortgage. Bank of America can not even manage to put my tax records on their website so I could obtain them in that way. 
XXXX. After spending time on the phone with Bank of America regarding my address, Bank of America still did not correct the address problem. Bank of America emailed me a 1098 tax form which still had an incorrect address. 
XXXX. A 1098 tax form that Bank of America emailed to me had incorrect information. The 1098 form stated that my original mortgage amount was {$130000.00} when my original mortgage was {$85000.00} and I have never missed a payment. Now Bank of America states that they need 10 business days to investigate. 

First of all, it is unfair that the consumer has no control over their mortgage. I did not want to do business with Bank of America because of their poor history of problems and yet my mortgage was switched over to them. Second, nothing happens when consumers complain about the mistakes made by banks. There basically is not government protect. Bank of America will continue to mishandle consumer accounts with no penalty. My complaint will just be passed to Bank of America who will respond with a generic answer and no consequences.

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 2023-02-11 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not authorized this inquiry from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2023-02-11 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is not correctly reporting the balance on my XXXX XXXX credit card. My balance is XXXX. Also they are not reporting the correct Fico score to my XXXX XXXX bank.

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 2023-02-11 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: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
I HAVE REACHED OUT TO THIS COMPANY NO LESS THAN 3 TIMES. THEY HAVE FAILED TO PROVIDE PROPER VALIDATION AND CONTINUE TO REPORT THE ACCOUNT IN ERROR. ACCOUNT NUMBER IS REPORTED WITH SYMBOLS. ACCOUNT STATUS IS NOT IN COMPLIANCE. IT HAS NOT BEEN 12 MONTHS SINCE THE ORIGINAL DATE OF SERVICE. HIPAA VIOLATION AS I GAVE NEITHER PARTY PERMISSION TO SHARE MY MEDICAL RECORDS. THE SUPRISE BILLING ACT HAS ALSO BEEN VIOLATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: I.C. System, Inc.
State: NV

Complaint narrative:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. 

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor. 

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( 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 2023-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I had previously had a fraud alert on my debit card on XX/XX/23 and my card was restricted/closed. 
However on XX/XX/23 I received a phone call in the evening at my home from a man stating he was from XXXX  XXXX XXXX. The number was registered as such. They told me while fraud had been caught the day before, that Zelle transfers had been done on my account and they needed to walk me through reversing them. I was freaked out and I trusted the info and number assuming it was my bank. So much so that I stupidly did what they said to do. Not realizing at the time that I just transferred funds TO them. 
After the call was disconnected, I thought about things and validated info in my activity and then realized something was wrong. 
I immediately contacted XXXX and after waiting on hold for 45mins, finally reached someone. 
XXXX fraud told me that no that was not XXXX Fraud calling me. 

I filed the report with them and they are working on it. I tried to contact Zelle on their 24/7 # but that number is NOT 24/7! 
XXXX said the fraud mobile # account was linked to a XXXX account. They said that it takes time, or its hard to get funds from a Zelle transfer. 

This is terrifying. I am XXXX old and just lost my paycheck funds to pay my mortgage. I have an adult XXXX XXXX  son who is under my care and my husband is XXXX old! We are on a tight budget and I do everything I can to protect our financial lives. So to have someone literally fake my Bank and from their number, is horrifying! 
I've only used Zelle a couple times to pay my other son, and only on my bank login, so I am not that savvy on what Zelle can, or cant do. 
Please help us stop this kind of thievery! 

Zelle should not be allowing these kinds of accounts access and XXXX should really be working harder to block fake calls. 
Luckily I printed and screen shot the info they told me was for a reverse charge, so the mobile number its registered to may be able to help. 
Though XXXX said it's likely someone elses ID they used for the theft. 

What terrifies me is that XXXX already had a fraud on my card. 
If this issue of scamming is so prevalent, why did no one from Fraud contact me ahead of time to warn me about this kind of stuff? 
And what about Zelle? If people are getting scammed like this, as seems to be the case, WHY is Zelle not doing more to protect people and stop these fraudsters from using their network? 
Zelle should have some kind of waiting period of transfers, especially when they are large! 

Someone managed to steal my card and then figure out what my private home number was. How did they also use a XXXX phone number? 
They called from XXXX that links to XXXX XXXX 
This has to stop! 
I am now scrambling to find a way to pay my mortgage because these fraudsters scammed this poor mom out of her paycheck!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/23 someone withdrew the amounts of {$150.00}, {$120.00}, {$61.00}, {$100.00}, and then a purchase of {$15.00}. I didn't even realize my card was missing until the following evening. I immediately called Chase to file the claim. They gave me a temporary credit of {$430.00}. Today, XX/XX/23, they said they're reversing the amount on XX/XX/23 because it was processed according to information I provided or it was authorized. I called them to dispute that because for all the years I've had that account I have never used a non-chase atm. I refuse to pay a fee to an atm plus chase. They said repeatedly they couldn't do anything else. I paid a fee to have a new debit card sent and went to the bank to create a new pin. I have read I shouldn't be responsible for more than {$50.00} as I reported it within 2 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I contacted Bank of America about an unauthorized hard inquiry made on XX/XX/2021. Bank of America has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because Bank of America must contact the reporting credit bureau for removal.

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 2023-02-11 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I contacted Green Sky Installment about an unauthorized hard inquiry made on XX/XX/2022. Green Sky Installment informed me that XXXX  by XXXX made the inquiry. XXXX by XXXX only had authorization to submit a soft inquiry, this inquiry by XXXX by XXXX was not authorized. I have contacted all involved institutions but Green Sky Installment will not remove the hard inquiry. XXXX by XXXX has not contacted me. I have asked the reporting credit bureau to remove the hard inquiry but they will not because Green Sky Installment must contact the reporting credit bureau for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect addresses are reporting on my credit report. Ive sent numerous letters to the bureaus demanding to delete the incorrect information on my report. 

XXXX XXXX CT XXXX, GA XXXX is not my address. 

Also inquiries are reporting on my credit report that I dont recognize XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/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 2023-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorized this inquiry from this company.

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 2023-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Walla Walla
State: WA

Complaint narrative:
We were forced to move out of our rental in XXXX of 2021 due to Covid and had to get into a cheaper rental. The entire month we left notice, we were hounded to move out and ended up not even using the the whole month. The last 2 weeks, we got XXXX and had to quarantine and were unable to finish moving out. The company XXXX XXXX XXXX threw all of our stuff away and then we never heard from them again. We checked our credit report last month and found that XXXX XXXX XXXX XXXX has a collection account for XXXX XXXX XXXX for an amount over {$4000.00}. Weve never received any type of paperwork at all. Weve dealt with XXXX XXXX XXXX XXXX in the past. They have tormented us, as well as family members and friends who have accounts in their hands. They make it IMPOSSIBLE to resolve any issues, and will NOT take payment plans or anything like that! We CAN NOT deal with them because we feel like they will retaliate against us just like they did in the past. They make it impossible to get the important paperwork that we need. We dont know what else to do. We would be able to work with any other debt collector who got that account, but we can not deal with them.

Company response to consumer: Closed with explanation