vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 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: OneMain Finance Corporation
State: VA

Complaint narrative:
Onemain financial is reporting that I have a balance remaining my check was garnished account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CO

Complaint narrative:
XX/XX/2022 - I opened an online savings account with Discover. I registered for the online platform etc. 

XX/XX/2022 - I deposited a cashier 's check in the amount of {$18000.00}. This is the majority of the funds I inherited from my father upon his death, which occurred on XX/XX/2022. I opened the savings account specifically for this purpose. 

XX/XX/2022 - I'm not able to log into my account and I get an email about unusual activity on my account. I called customer service and was told by multiple people that my account was closed for no reason and that Discover was keeping my money for " up to '' 60 days. 

I have not received any additional communication and now my access to the account online has been shut off. This feels very much like bank theft - and what am I supposed to do if I need my savings?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Account was put on credit report, causing loss, financial hardship and denial of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was notified through a credit monitoring service that someone tried too open a credit card account in my name at Bank of America. I called and they stopped the account opening. I was told to call the next day to get a report of the incident. I was told that I had to fill out an affidavit, file a police report, and send multiple forms of ID just to get this report. 

They told me that there was nothing else they could do for me. The same thing happened to me at XXXX a month ago. They simply sent me a letter for my files stating what happened and that the account wasn't opened. 

I can't understand why this is not a minimal requirement for a credit card company in case of these incidents.

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 2022-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
A check in my name was sent to my mortgage company they will not apply this check they say they dont know what happened to it in the amount of 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 2022-07-27 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed an account that i wanted a little more explanation on. I am not saying that it's reporting right or wrong im saying i am not 100 % sure if it is. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. I also heard by law you have 30 days to verify this account reporting on my consumer report. 
In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof this account must be deleted if they are not 100 % accurate. So i would like this account properly verified and removed if there's anything missing. 

XXXX XXXX XXXX-Account # 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 2022-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
Hello..on Monday XXXX XXXX i had recieved a Medical Bill from Overton, Russell , Doerr and Donovon LLP located at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and bill stated i owed {$1000.00} and i had failed to pay or failed to make arrangements for payment. It is to my understanding a debt. Collector must give a debtor the right to dispute prove the bill is valid which i never had the chance from this collection Agency i just recieved a bill i owed. I called them today and when i questioned them on why i got this bill and not a right to dispute first. of course i got the answer '' we did send you a notice, its in our computer. '' i argued with them over it replying i never got any notice otherwise if i did i would of called or responded by certified mail right away.I had dealt with a collector before and i know its important once a notice is recieved is to respond quickly as you can.I did research this Company and they have numerous complaints on them. ( XXXX them )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Account was put on credit report, causing loss, financial hardship and denial of credit. pretending to be XXXX from government agency. re-aged debt. statue of limitations on debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has allowed new collection accounts to be placed on my credit report without properly verifying identity and they will not allow me to file a dispute, it has been 60 days now and I continue to receive an error message stating technical difficulties. XXXX is listed as a collection on my account in the amount of {$580.00} this same company was listed on my credit report before, I disputed it and this same account was removed by Experian. This account was placed again, updated with a new report date of XXXX XXXX which is completely inaccurate and false reporting and now Experian will not allow me to dispute this account.

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 2022-07-27 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: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
A XXXX transaction for {$110.00} sent to mXXXX XXXX  XX/XX/XXXX never hit my account. I've tried contacting the bank several times either by calling them ( several hours several times ), their website, XXXX, XXXX, or even going into a local branch. Nothing. The sender 's bank has verified that the money was received by Old National Bank. It either went into a general ledger account there or was given to 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 monetary relief
Consumer complaint received 2022-07-27 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions. 

XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions. 

XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under Midland Credit Management and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and the account still reflect on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation have been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
By using my social security number and some information about me, they were able to get through the Citi bank phone system and open an authorized user under my card. This was all done without contacting me directly and the bad actor was able to use the same system to change my phone number and the email on my account. All while presumably unable to enter my security word

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 2022-07-27 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
In reference to my account XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX I have sent many correspondences to them with no luck in resolving inaccurate information. XXXX XXXX, XXXX and XXXX none of their information is consistent or accurate. 

XXXX shows 30 Days late for the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows on time payments every other month XXXX shows 60 Days late the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows on time payments every other month. 

As you can see nothing is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX has allowed new collection accounts to be placed on my credit report without properly verifying identity and they will not allow me to file a dispute, it has been 60 days now and I continue to receive an error message stating technical difficulties. XXXX is listed as a collection on my account in the amount of {$580.00} this same company was listed on my credit report before, I disputed it and this same account was removed by XXXX. This account was placed again, updated with a new report date of XXXX XXXX which is completely inaccurate and false reporting and now XXXX will not allow me to dispute this account.

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 2022-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AFNI INC.
State: PA

Complaint narrative:
XXXX has allowed new collection accounts to be placed on my credit report without properly verifying identity and they will not allow me to file a dispute, it has been 60 days now and I continue to receive an error message stating technical difficulties. Afni is listed as a collection on my account in the amount of {$580.00} this same company was listed on my credit report before, I disputed it and this same account was removed by XXXX. This account was placed again, updated with a new report date of XXXX XXXX which is completely inaccurate and false reporting and now XXXX will not allow me to dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Account was put on credit report, causing loss, financial hardship and denial of credit. pretending to be from from government agency. re-aged debt. statue of limitations on debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2022 I sent certified letters to XXXX, XXXX, and TransUnion regarding derogatory reporting and incorrect names/addresses/employers on my credit reports. All three bureaus stated that the information was removed but this is incorrect. I sent additional letters on XX/XX/2022 regarding the same issues, to which their response was the same. The last attempt was sent priority first class on XX/XX/2022. My name is misspelled, there are incorrect addresses, and past employers. I have included a copy of my driver 's license, social security card, and proof of residence with no adjustments to my credit reports. There are two accounts specifically that were reporting 30 days past due and I asked for verification with no response from TransUnion, XXXX, or 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 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am the consumer, natural person and original creditor. Discover Bank has denied me my right to credit as I applied for a Discover Credit Card account on XX/XX/2022 initiating a consumer credit transaction the application number is XXXX. Pursuant to XXXX XXXX XXXX ( k ), Discover Bank also discriminated against pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my right to credit by making an application pursuant to 15 USC 1642 and since the letter you sent me on XX/XX/2022 which is an adverse action is both proof and evidence that I have been discriminated against, you are criminally liable. pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I which is another violation pursuant to 15 USC 1602 ( p ) unauthorized use of my credit card which congress defined as ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. so that right there means the consumer provided Discover my Social security Number which is defined a credit card and I received no benefit. Discover Bank also failed to disclose to me that a finance charge was involved. Pursuant to 15 USC 6802 I am exercising my right to privacy and hereby OPT OUT of sharing of my nonpublic personal information to consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: ME

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX alerted me to a " hard '' credit inquiry that took place on TransUnion. When I investigated, I saw that it came from XXXX XXXX XXXX. I did not apply for a new account with any company, including XXXX XXXX. 

I just received a letter in the mail from XXXX XXXX ( XX/XX/XXXX ) that is dated XX/XX/XXXX. As stated in second paragraph, " This letter serves to notify you that the approval of your application for a XXXX XXXX XXXX credit card has been reversed and your account will not be opened because the Program Fee was returned unpaid. '' I'm thankful the account wasn't opened, but need to report the fraudulent activity. I'm not sure what other steps to take to prevent this from happening again. If someone has my information to try to open an account, it's only a matter of time before they try it again.

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 2022-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
There is a company reporting inaccurate information on my credit report. I have reached out and have been unsuccessful in my opportunity to get those things removed and deleted from my credit report. This creditor is reporting that I owe XXXX and I have not authorize nor did business with this creditor. I am asking for verification that this debt is valid and where did they get this information from.

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 2022-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Approximately six weeks ago, we ( my wife and I ) became the victims of a group of individuals posing as agents of XXXX, XXXX who would help us secure our account which they claimed had been breached. We had been in contact with them by phone almost daily. During the ensuing weeks, they had withdrawn small amounts from our accounts which were reversed almost immediately. They told us that this activity was necessary to secure the accounts and to monitor them. 

On XX/XX/2022, I noted that there was an unauthorized wire transfer from our Wells Fargo joint checking account to XXXX XXXX XXXX  in the amount of {$4100.00} plus a {$30.00} fee. I contacted Wells Fargo Fraud Department informing them that the transfer was unauthorized by us. The wire transfer was posted on XXXX. We received a letter from Wells Fargo stating that because the wire transfer was made using our user id and password, Wells Fargo will not reimburse us. Note, I notified the fraud department prior to the wire transfer as per Well Fargo procedures regarding wire transfers. Furthermore, we were never notified that the wire transfer was completed. Their regulations are vague regarding how they were to notify us.

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