vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
On one occasion, XX/XX/XXXX, XXXX with Tower Loan in XXXX XXXXXXXX, Texas contacted my son about a small debt and discussed the complete loan details with him. It looks as if they were trying to get him to pay or suggesting that he get me to pay. On a second occasion, XX/XX/XXXX, Tower Loan contacted my daughter-in-law and it also looks as if they were attempting to get her to pay or get me to. In both instances they were doing whatever they could do to damage my credit and my reputation. They may have contacted others but I am not sure. I never gave Tower Loan any information regarding my son and my daughter-in-law. Amounts they claim are owed are primarily late charges and excessive interest which I did not agree to. Obviously, any claim they made in regards to trying to contact me was just an excuse to circumvent the law. I wrote to the office in XXXX XXXXXXXX, Texas and the home office in XXXX, Mississippi requesting complete information on this loan and both have refused me any information. I am XXXX and this harassment and practice of damaging my credit and reputation should not be allowed. I request that you look into this matter and take some action to prevent this company from doing business this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: AR

Complaint narrative:
I sent letters on XX/XX/2022 to XXXX, Transunion, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 

How did they complete this investigation?

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 2023-05-16 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: AR

Complaint narrative:
I sent letters on XX/XX/2022 to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 

How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 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.

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 2023-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo customer for more than 35 years. 
Since XX/XX/2021 Wells fargo start refusi ng to follow the laws and regulation concerning my privacy. 
in the last 30+ years Wells Fargo were directing the my mail concerning my account to my po box address as indicated on my account preferences. 
But in the last XXXX  years Wells Fargo has been ignoring my preferences and thjery have been using my street address to mail me. 
Wells fargo is been ignoring my privacy rights and they have been ignoring all my preferences and they have been ignoring my 50+ complaints that I have filed in the last XXXX  years regarding this same issue. 
Wells fargo is been ignoring this issue even in their responses to my complaint at the CONSUMER FINANCIAL PROTECTION BUREAU and at the OFFICE OF COMPTROLLER OF CURRENCY.

They just do not want to hear about it and that for sure is going to cost Wells Fargo some fines for not following the rules and regulations. 
I did files complaints here in the past but that did not stop Wells Fargo from keep Braking my privacy rights and they keep sending me letters to my street address in contrary of what my preferences on my account are. Wells Fargo is still refusing to Use my Mailing address po box .

Today I received a new Letter to my street address from Wells Fargo So here I am filing a new complaint and I am adding this new letter as a new evidence on my new complaint.

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 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX a cashiers check was issued by me with the help of a chase rep in the amount of {$2500.00}. The amount taken from my account for this transaction was {$7500.00}, and the ledger supports this. An additional {$5000.00} was taken from my account with impunity and no accountability as far as the bank is concerned. Had I not gone back into my statement and looked at that transaction no one would know and based on this experience Chase does not have the process or procedure in place to prevent this sort of mishap. As a result I did not have access to said funds and have been paying carrying costs on cards that could have been payed off using said funds, in addition to any other use profit making use I would have been entitled to had Chase not made this egregious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX Account 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 a account without my written instructions 15 USC 1666B : A 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 2023-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My daughter is on my account, and she was contacted by someone claiming to be with Bank of America, where I have my account with. They claimed someone was trying to access our account and take {$3500.00} in another state, so they asked for account information so they could stop this from occurring. My daughter gave the information and they ended up taking {$7000.00} from my account. I attempted to get the fraud department to help me recover my funds, but they said they couldnt help me. It is a lot of money to get scammed out of, so Im looking for help

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 2023-05-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: FL

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. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 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.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
just applied for first time home loan with my credit union and it pulled up accounts that were closed! I just checked XXXX, XXXX, XXXX and these two accounts are not on my credit reports. The companies are Kohls and XXXX XXXX XXXX. I can not give dates due to them not being on my 3 credit reports or amounts. I need them removed immediately. I don't understand why they showed up on my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
Lakeview Loan Servicing is our mortgage processing firm. Our account number is ending in XXXX. We have been dutifully paying our mortgage for years to this firm. We use their XXXX XXXX ACH payment system. In XXXX of this year, 2023, they made changes to their XXXX XXXX system. When we tried to pay our mortgage in XXXX apparently their system could not pull the ACH from our account when requested. We received no notification that their system could not access our checking account to make the payment. Instead we started receiving daily, automated collection phone calls. We, not Lakeview, finally discovered that their XXXX XXXX system was not working properly and mailed our XXXX check into Lakeview. They told us due to the ACH system payment not working that we could not use it for XXXX  months. So here in XXXX we again dutifully mailed in our mortgage payment... .and the automated collection phone calls started again. I called Lakeview back today and they said, in direct contradiction to what they told me in XXXX, that our account was again in suspense and that although they had received our XXXX payment that it had been applied to a suspense account and not our outstanding balance account (? ) therefore we were again inexplicably sent to their collections department and the automated phone calls started again. I am in financial services and understand how poor Lakeviews systems are and how poorly trained their representative are ... .I can only imagine how many people who do not understand Lakeview 's ineptitude and quick 'collections trigger ' must feel about their harassing phone calls... .even when they themselves caused the issue. Thanks for allowing me to submit.

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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: DC

Complaint narrative:
I received a notification on XX/XX/XXXX that XXXX XXXX XXXX had reported a collection account with a balance of {$730.00} on my XXXX Credit Report. The reported account references an original creditor by the name of 12 AFFIRM and indicates the accounts was opened in XX/XX/XXXX. I have never received services nor have I conducted businesses of any kind with XXXX XXXX XXXX or 12 AFFIRM. Any account opened in my name with either entity is fraudulent and the result of identity theft. I attempted ot contact XXXX XXXX XXXX but was not successful in getting any additional information and XXXX XXXX XXXX refused to remove the fraudulent account from my credit report which has now caused a decrease in my credit score. Attempts to speak to a XXXX representative were made on XX/XX/XXXX and XX/XX/XXXX. I would ask that XXXX XXXX remove this fraudulent collection account from my XXXX report immediately and be prohibited from any future reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Uplift, Inc
State: IA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX Account 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 a account without my written instructions.

15 USC 1666B : A 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 2023-05-16 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have XXXX issued with the credit card company. 

I've made a payment on XX/XX/XXXX at amount of {$360.00}. On XX/XX/XXXX, there is a payment adjustment and the credit card asked me to pay again. I called the customer service but they were unable to show any information the original payment was reversed. I doubled paid the amount. 

Second issue is I have a dispute with a vendor called XXXX XXXX. I've made the payment with alternative method and requested my credit card disputed the {$300.00}. However, the credit card company refused to conduct any investigation and require me to provide billing statement from XXXX XXXX. I've never received any documents showing the required information. Then they shut down the case without any investigation. 

My SSN is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, you have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: DISCOVER BANK
State: CA

Complaint narrative:
I started a dispute case with Discover on XX/XX/XXXX, regarding XXXX refusing to issue a refund for my returned package. The case lasted until XX/XX/XXXX, Discover ruled in favor of the merchant despite I provided all the supporting documents showing the return package has been delivered back to the merchant. I uploaded another piece of documents, showing XXXX promise me a refund if I cancel the dispute. Since the dispute has already been made in favor of the merchant, Discover is not willing to help reopen the case. I spent XXXX months going back and forth with the merchant XXXX and my card issuer Discover, but Discover seems like not supporting their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX failed to investigate my dispute properly pertaining to Inaccuracy that Spring Oaks Capital LLC have been reporting and the validation request that I submitted. XXXX XXXX Verified my disputed information as Accurate. How do you Verify a dispute that requests for Validation? 
Spring Oaks Capital failed to correct the inaccuracy they have been reporting. They report to XXXX XXXX only and not to XXXX and XXXX. How can that be accurate information for starters? Spring Oaks Capital LLC refuses to validate my dispute upon request. That is clear a violation of my consumer rights. Listed in my attachment shows proof that Spring Oaks Capital failed to correct the inaccuracy that they have been reporting to my credit report and refuse to validate my dispute requests.

Company response to consumer: Closed with explanation