vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
What XXXX DOJ, informed me over XXXX fraudulent Collection notices have been sent by RFGI XXXX XXXX XXXX XXXX, was informed by the XXXX DOJ Here is my story : XXXX XXXX for {$5900.00} This is from a XXXX that happened way back in XXXX Stale debt.. 

This is from a XXXX Account from " National Durable Medical '' XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX Oklahoma, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Search XXXX " XXXX Charged with Violating Federal Anti-Kickback Laws and Committing More Than {$4.00} XXXX in Health Care Fraud '' XXXX DOJ XXXX a victim of Medicare Fraud XXXX 

XXXX on XXXX, had XXXX surgeries, XXXX survivor, have further medical issues to be corrected in the near future.. Suffer from XXXX, Anxiety, and XXXX On a fixed income and have about {$65.00} left over every month after bills are paid.. I have a lot on my plate and to be involved with fraud that deals with Finances impacts me greatly psychologically, had to seek additional therapy due to this..

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 2023-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-06 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: WA

Complaint narrative:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had opened a Wells Fargo Everyday Checking account ending in XXXX on XXXX XXXX using code from mail : XXXX and close to the end WF system got hanged so I called XXXX the next day and XXXX XXXX had completed for me opening and said to call the same number if i won, t get promised {$320.00}. I got only {$300.00} and called XXXX to agent XXXX XXXX who sent to me e mail telling my case is closed.Wells Fargo case number : XXXX since i used code : XXXX when opened account.This is not true.I called XXXX XXXXshe provided 4 times, left message with my number, also spoke t 3 different agents who promised XXXX XXXX would call but it never happened.Please help me .disable little person to fight big bank.This is her info : XXXX XXXX XXXX 

Escalations Representative Enterprise Complaints Management Office XXXX XXXX  XXXX, XXXX XXXX, SD XXXX Fax : XXXX Very truly yours 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 monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is an address on my Experian profile that doesn't belong to me. There should be XXXX in XXXX and XXXX XXXX XXXX XXXX I cosigned on that property. The one for XXXX, MA is NOT my address nor have I ever lived there or own a property there.

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 2023-09-06 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: PA

Complaint narrative:
I am writing to file a complaint to DISCOVER BANK regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXXI have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had just received my final paycheck by mail from my place of employment and I attempted to deposit it to my US Bank account via mobile deposit but due to the amount of the check I wasnt able to because of daily transaction limits so I had to visit the branch. I deposited my check at the ATM on Saturday XX/XX/2023. On us bank website it states that deposits would be available within one to two business days not including weekends or holidays so I figured the wait wouldnt be that long. Initially they made the first {$220.00} of the check available to me and then it put my account into overdraft. Now I find out today that they have a placed a 7 day hold on my paycheck which I wasnt aware of I was assuming I would of have my funds available to me by now I have bills that are due and I need gas money for work I dont know what Im supposed to do I have tried to call and explain to them my circumstances and I even went in person and all I was told was there was nothing they could do and just wait it out.

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 2023-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: MD

Complaint narrative:
Company ZIONS DEBT HOLDINGS LLC is attempting to collect a debt in my name for XXXX XXXX XXXX XXXX XXXX. I am in. O way familiar with this debt nor is this debt mine. Furthermore Zions IS NOT the original creditor. I do not know anything about ZIONS I have never authorized any business with XXXX Nor Zions debt holdings. I have opened a police report and this This account needs to be deleted.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IN

Complaint narrative:
this school mislead me they told me i paying back a student loan that i cant even transfer my credit yet instill i cant retrieve them from the school they gave me false information and told me they will help me get my GED however they didnt not help me im still without my GED they promised me to help before graduating from XXXX XXXX i recieved my certificate in XXXX XXXX but i signed loans i wasnt fully aware of trying to make something of myself being a single mom i need help this loan should be cancelled im not responsible for the administration that mislead me on all the necessary information i needed to move foward

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was notified through my bank Union Bank, that US Bank would be taking over all of our accounts at the end of XX/XX/2023. I was provided multiple emails that the transfer would not affect my automatic payments and would transfer properly to US Bank. My automatic payments did not transfer as notified. US bank never notified me via mail or emailed me a notification to renew my automatic payments. I discovered the request in a small memo after setting up my online account with US Bank but they did not mention that my payments had stopped. Correctly applying for the auto payment process, unavailable online and required to apply via mail. I later discovered my account was delinquent via mail from US Bank at the beginning of XX/XX/2023. The end of XXXX 's payment was never processed. I'd like to ask US Bank to please show me the letters and or notifications instructing or notifying me of the cancellation of automatic payments from Union Bank. Ultimately, US Bank reported my 2 months of delinquency to multiple credit agencies. I request them to retract the negative rating. I have all my bank statements reflecting my automatic payments with Union Bank and the eventual automatic payments with US Bank, letters and emails to be provided.

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 2023-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07 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: NJ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: Driveway Finance Corporation
State: GA

Complaint narrative:
I took a look at my credit report and realized that I have a balance and repossession from DRIVEWAY FIN For {$31000.00} that I did not have awareness of the account was open XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: TX

Complaint narrative:
XXXX XXXX XXXX has violated consumer my rights by sharing my furnishing an account that is fraudulent for the last 3 months. I am attaching the FTC statement, to address the account that is fraudulent. Please remove the XXXX account off of my credit report. This account was not open by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I want the company to remove the unauthorized inquiries in 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 non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX ( the Scammer ), which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX XXXX XXXX account to JP Morgan Chase Bank at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is scammer or is involved in potentially fraudulent activity. 
XXXX issued International Standards on Combating Money Laundering and the Financing of Terrorism and Proliferation ( the XXXX Recommendations ), aimed at setting minimum standards for action in different countries, to ensure that XXXX efforts are consistent internationally. 
There is a long-standing obligation upon financial institutions to have necessary procedures in place to ensure the detection and prevention of money laundering, terrorist funding, and other illegal activities. 
In this case, it is perfectly obvious that JP Morgan Chase Bank could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome. 
Given that their client : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX was an active participant in the movement of my money, which eventually ended up with the Company, JP Morgan Chase Bank have not exercised their duties to identify this suspicions scheme in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
CREDIT KARMA FROZE MY ACCOUNT ON XX/XX/2023 FOR MY SUPPOSED PROTECTION.

I GOT A EARLY DIRECT DEPOSIT ON XX/XX/23 IN THE AMOUNT OF XXXX {$56.00} I CALLED CREDIT KARMA ON THE XXXXTH BECAUSE MY CARD WASNT WORKING ONLY TO FIND OUT MY ACCOUT WAS FROZE. 

CREDIT KARMA TOLD ME I HAD TO WAIT FOR THEM TO CALL ME ABOUT THE FROZEN ACCOUNT. 

THEY REFUSE TO HELP ME WITH THIS AND ALSO REFUSE TO CONTACT ME INREGARD TO MY ACCOUNT. MY MONEY IS STILL TRAPPED IN THERE BANK AND THEY REFUSE TO RELEASE MY MONEY SO I CAN CUT OFF ANY BUSINESS I HAD WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: CA

Complaint narrative:
Billed service date : XX/XX/2023 Paid off date : XX/XX/2023 directly to XXXX XXXX before being sent to USCB America XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: TX

Complaint narrative:
I've been trying to clean up my credit report so that I can build my credit and there are a few things I've been disputing with all 3 credit bureaus for almost 1 year now, they have only fixed 2 items but never give me responses! And every time I send a dispute to XXXX, the only response they're giving me is stall tactic responses, this is not providing the information I requested, and it's not fixing the negative items on my report either! I've been disputing late payments on a XXXX XXXX account, XXXX account, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX but the only late payments fixed was on Equifax with XXXX XXXX and the charge off with XXXX XXXX XXXX on Equifax . I have requested at least 6 times now to provide the proof that I was late, I do not show this in my records that I have and no one has provided this. I either do not get a response at all or I get continuous stall letters, this is not acceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been trying to clean up my credit report so that I can build my credit and there are a few things I've been disputing with all 3 credit bureaus for almost 1 year now, they have only fixed 2 items but never give me responses! And every time I send a dispute to XXXX, the only response they're giving me is stall tactic responses, this is not providing the information I requested, and it's not fixing the negative items on my report either! I've been disputing late payments on a XXXX XXXX account, XXXX account, XXXX XXXX XXXX XXXX XXXXXXXX XXXX , and XXXX XXXX XXXX but the only XXXXate payments fixed was on XXXX with XXXX XXXX and the charge off with XXXX XXXX XXXX on XXXX . I have requested at least 6 times now to provide the proof that I was late, I do not show this in my records that I have and no one has provided this. I either do not get a response at all or I get continuous stall letters, this is not acceptable!

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 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have a small business account with Capital One Bank. I opened it online and previously had access to online bill pay. I do not need it that often, but it is important. I tried to find it again yesterday. but do not have it on my account. I called Capital One this XXXX ( XX/XX/23 ) to inquire as the info online for small business accounts states I should have access. I called the main contact number. I spoke with someone ( who sounded like she was in the US ) who could not even pull up my account info. She said since I opened the account online, I needed to call a different number which she transferred me to ( non-US call center ). My issue on this is not that it's not a US-based call center, but that there are 2 classes of account holders. I was told by the other rep that my account does not have online bill pay as a feature. I can change by going into a branch, but it would create a new account number which is a hassle. The closest branch is XXXX min away.

Company response to consumer: Closed with explanation