vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
M & T Bank acquired control of XXXX XXXXXXXX XXXX on XX/XX/XXXX, I continue to bank with M & T Bank. I had a saving account with M & T Bank for over 16 years. I had a secured credit card with M & T Bank and I completed all payments on-time and paid off the card. 
On XX/XX/XXXX I applied a secured loan with M & T Bank during the process M & T Bank used deception, fraud, and manipulation to obtain a credit report and then they denied me the loan on XX/XX/XXXX. ( Three days after completing the application ). M & T personal saving account, ending with XXXX with a balance of {$2500.00} as collateral for the loan. I pledged my saving accounts to secure the loan for {$2500.00}. I had the account for 6 months and I only received XXXX ( XXXXXXXX XXXX interest monthly on my {$2500.00} saving account ) On XX/XX/XXXX I applied a secured loan with M & T Bank. M & T Bank representative asked me, What was I using the loan for? I explained them I was using the loan to pay off a bill at XXXX XXXX XXXX XXXX, or otherwise tuition. 
On XX/XX/XXXX and XXXX XXXX, M & T Bank started questioning me about the loan. How many years you completed at XXXX XXXX? I told them I have XXXX XXXX and I working on my XXXX certificate at the University. Then M & T Bank said, we do not provide loans on tuition. They suggested I use XXXX XXXX. Then they denied me the loan. WHY ARE THEY QUESTIONING ME ON A SECURE LOAN? 
The on XX/XX/XXXX, M & T Bank representative suggested I request a debt consolidation Loan instead. She said, I had better chance of getting the loan. Therefore requiring me to complete another loan application. I was denied the loan. She said, there is something wrong on your credit report. 
My credit score is XXXX and I paid an M T Bank credit card on time. I continue to pay my auto loan, credit cards and other bills regularly. I have worked at the same job for XXXX years ; in addition, I have a second job. I co-own my house with my cousin and I have lived in since XXXX. The mortgage is paid regularly.

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 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My payments are mailed on the XXXX  or XXXX  of the month for a payment due date of the XXXX. They are telling me that seven to ten days is not enough time for my payment to arrive at their facility. They seem to be processing my payment the day after the due date and then charging me a XXXX XXXX dollar late fee every month. I HAVE HAD THIS XXXX  credit card for XXXX some years and never had a problem with paying on time. Since this Comenity bank took over there has been problem after problem. It seem they are getting the payment then waiting to process it to generate a late charge. I believe their banking practices need to be looked into. Im working on getting another loan to pay that card off so I no longer have to deal with these people any longer. But if they are doing this to a lot of other people then they could be generating a lot of income besides the money they are already making off the interest. Seems like a scam to me. I could be wrong. Hope some one will look into this. By the way. The payment is leaving XXXX Pa To go to Texas. Which I could drive there and back in four days thats with a ten hour break every day. Thanx XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
After filing a previous complaint for an unauthorized/unwanted cash advance for {$20000.00} by XXXX XXXX XXXX  XXXX A few days later he received a phone call from the local XXXX  of the president, XXXX XXXX. After an excruciating conversation XXXX XXXX was willing to mail us a payment envelope. I requested this because I didnt trust the company as all reps I spoke with were outsourced to the XXXX  XXXX When I received the letter he neglected to provide full account info and only provided a XXXX digit account #. When I spoke me with XXXX XXXX he offered to go to a local bank branch and make the payment but he said I couldnt do that and thats now how payments are made. For the last XXXX XXXX weeks as he did not provide direct contact information and I have to an art from the bottom up each time. I am starting to get threatened calls from XXXX requesting payment. Please give me proper access to pay this unauthorized/unwanted balance transfer

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 15 USC 1601. XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1601 ( a ) The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 15 USC 1601. XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1601 ( a ) The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had over XXXX XXXXXXXX ( {$5300.00} ) stolen from my Wells Fargo account through multiple XXXX XXXX transactions that was never authorized by me through a passcode on my phone or XXXXXXXX XXXX to be sent out & no evidence it was actually received by the recipient ( my girlfriend ). 

After 10 days of research into my fraud claim, Wells Fargo said my claim was denied despite them failing to provide evidence through texts ( on my end or my friends ) that the money was sent and that the money was deposited in the bank account ( XXXX XXXX XXXXXXXX ) of my girlfriend. If an XXXX XXXX payment is not accepted within 7 days, its sent back. That never happened. They couldnt explain that either. If that money was deposited in my girlfriends account, this wouldnt be that big of a deal. Id just have her transfer the money back. 

This is thievery. Ive been with Wells Fargo for almost two decades and this is how they treat their customers They told me there was nothing else they could do and pushed me to either get the police involved or contact XXXX who would just tell me its a bank issue. They are blame shifting and have put me in a really terrible spot financially I just bought a ring and Im getting ready for a wedding too..

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, SETTLEMENT XXXX  Date of Inquiry XX/XX/XXXX, SETTLEMENT XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC
State: IN

Complaint narrative:
My soon to be ex-wife took out several credit cards and loans out in my name and left me with about {$30000.00} worth of debt that collection agencies are trying to get me to pay, and ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: OK

Complaint narrative:
Regions bank Regions bank overdrew a debit card transaction and then proceeded to charge me XXXX of XXXX  in over draft fees over the next month. These fees are illegal and this has been decided by a federal court. I closed my account because they rob their customers.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
This is an account that was purchased from XXXX  XXXX. I have yet to receive a contract with my Wet signature on it. I asked for this information when Midland Credit called me and they never sent it. They call me repeatedly throughout the day from different numbers. This is a form of harassment. 

15 U.S.Code 1692k ( a ) ( 1 ) - Allows for any action of damage.

AFFIDAVIT Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, XXXX, XXXX  anguish, and other damages all caused by violations of FDCPA due to Midland Credit Managements abusive and deceptive business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX My Wells Fargo Checking Account reached XXXX Dollars. Then I was overdrawn {$58.00}. Since then Wells Fargo has continued to send Me texts that My Debit Card was Declined, then another Text stating My Account has Reached XXXX Dollars, then I'm slammed with More Fees. As of XXXX XX/XX/2023 I am Overdrawn {$240.00}. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, living on XXXX, and a Partial Pension. PLEASE HELP ME! Respectfully, 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 explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Received opening of a new credit card with Bank of America in XXXX XXXX XXXX Did not have a account number and after multiple calls with Bank of America they could not find record of account. Credit report pull in XXXX  did not show account. Received a bill on XXXX XXXX for annual renewal fee for credit card. I was able to close the account as I now had a account number. The only business I have done with Bank of America was through my employer.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Please see the attached letter sent to collection company. Company is in violation of my consumer rights and the laws according to 15 U.S. Code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
This company is trying to collect for the insurance company USAA. I sold a vehicle and 6 months later the new owner was involved in a XXXX XXXX XXXX XXXX XXXX shows the date of sale with the new owner 's name and address. Apparently he was uninsured so they are trying to get {$10000.00} from me. I previously settled this matter with USAA and they called off the previous collection agency because I proved I no longer owned the vehicle at the time of the incident. Nor was I the driver of the vehicle. How do I stop this endless cycle of USAA trying to collect a debt I don't have anything to do with? The current collection agency is XXXX XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NY

Complaint narrative:
hi all, how this is possible they approved me for this card and now I have a HARD INQUIRY on my credit.. I dont think that this is afair on my end .. this need to be removed immediately.. till 2025 woow. also XXXX XXXX ACCOUNT AND XXXX CREDIT CARD IS CLOSE STILL SHOWING NEGATIVE ON MY CREDIT WHY?? i need to remove this please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: IL

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Monday to Friday XXXX XXXX This is the company that emailed me in XX/XX/XXXX about a debt that I supposedly owed to telecheck services they said that the debt was given to them by the previous a collection agency but the debt was only {$10.00}. I called and asked them to explain and they said it was from the XXXX XXXX XXXX on XX/XX/XXXX which isnt true at all I then went on to ask how did they get my information and he ignored me and started asking me if I would like to pay it today and that he was ready for my credit card information so I then hung up the phone. This is the email context I received, XXXX XXXX XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX, which was previously being collected by Professional Bureau of Collections of Maryland , Inc. We will use any information you give us to help collect the debt. 
And they had my full name and address as well I just dont want anything that has to do with collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureau Equifax is showing the incorrect credit score on my report. They are also showing the incorrect name on my equifax report. The correct name should be XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation