vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-06 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: UT

Complaint narrative:
This account XXXX XXXX XXXX is in violation of my fed consumer rights 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliate third party any non public personal information, unless such a financial institution provides or has provided to the consumer a notice the complies with section 6803 of this title.

Opt out ( 1 ) In general A financial institution may not disclose non public personal information to a non affiliated third party. Unless ( A ) Such a financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title. that such information may be disclosed to such third party. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. 
Limits on reuse of information Except as otherwise provided in this subchapter, a non affiliated third party that receives from a financial institution non public personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is non affiliated third party of both the financial institutions and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX my Bank of America account was involved in fraud. {$16000.00} was taken from my account because my car was stolen with all my personal belongings. I filed a police report and on the report you see that it says what was stolen. The money was transferred through my stolen phone through XXXX. I contacted Bank of America and they told me I need a police report and I will get my money back and I did this but they denied my claim and I appealed it and I was still denied.

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 2023-05-06 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: NV

Complaint narrative:
The Credit bureaus stated my account was properly investigated yet how is that possible if the open date is inaccurate, the last active is inaccurate, and date last reported is not accurate. This grounds for removal as they also violated my rights under 15 USC 1681 Section 602 a : 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.

18 USC Chapter 13 Subsection 241 : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include XXXX  or an attempt to XXXX XXXX XXXX XXXX or an attempt to commit XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be XXXX XXXX XXXX 
Also the Credit bureaus took more than 30 days to complete my 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 2023-05-06 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay credit card was paid in full minus the {$720.00} for an XXXX cellphone that I never recieved from XXXX XXXX XXXX XX/XX/2019. They didnt have the cellphone in the store, they claimed the only way to get it from the warehouse was to pay. I paid waited 45minutes couldn't wait anymore had to go to work. They gave me a small pink receipt for what would be a refurbished phone but I paid full retail price for a new phone that I never saw nor received. I told them to cancel the order the next morning less than 24 hours later they refused. Now my credit report is showing a charge off and balance due of {$1500.00}, when I owe them nothing. Barclays and XXXXXXXX XXXX are praying on the little guy. I dont owe for a phone I never recieved. XXXX XXXX XXXX bate and switched me. Barclays is trying to keep it going so they can collect interest. Original amount {$720.00} they claim i owe {$1500.00}. I DO NOT OWE XXXX XXXXXXXX XXXX nor Barclay Bank. Contact me 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 explanation
Consumer complaint received 2023-05-06 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: TX

Complaint narrative:
Closed my accounts

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 2023-05-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equfax : Is reporting a acct on my report with inaccurate information and the account should not be on my report at all XXXX XXXXXXXX XXXX WAS NOT INCLUDED IN XXXX XXXX BANKRUPTCY-I NEVER INCLUDED MY MORTGAGE IN ANY BANKRUPTCY AND THEY WERE NOTIFIED BACK IN 2020 VIA LETTER AND IT WAS DELETED BUT NOW SHOWING UP AGAIN WITH STATUS INCLUDED IN BANKRUPTCY 2ND THIS ACOUNT DOES NOT REPORT TOMTHE CREDIT BUREAU, SIGNED DOCUMENTS DURING BANKRUPTCY WERE SIGNED BETWEEN MYSELF AND SERVISOR XXXX XXXX THST THEY WOULD NOT REPORT EVER AGAIN THEY DONT REPORT, EQUIFAX IS REPORTING AND WRONG INFO AT THAT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in processing disputes to delete all inaccurate information on my credit report with experian. please review an delete the following information. this has been hurting my file for years. delete this items to fix my credit report asap.

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 2023-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
Today I received a letter from US Bank stating that I have a US Bank dda account which is overdrawn in the amount of {$3100.00}. 

I have never opened a dda account at US Bank. I have no knowledge of this account. I have obtained any benefit from this account. 

I did have an automobile lease with US Bank in 2020 for a XXXX XXXX. It was a 24 month lease which I purchased the car from US Bank at the end of the lease. 

My account history will show I was never late on any lease payment and paid the residual balance in full to obtain ownership of the vehicle.

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 2023-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Citi AAdvantage Platinum Select World Elite Mastercard and one of the card benefits is access to XXXX score. I had agreed and activated this feature several years ago but see this credit score variant is much different than credit scores from other sources even from the same reporting agency ( XXXX ). 

This information has been used to provide promotional offers and then the ones I have selected, have been rejected as an adverse reaction. Given I can get better information and experience elsewhere, I have contacted Citi Customer Service times to deactivate the access and reporting of my credit information. I have been transferred to numerous departments and even asked to contact the credit bureau to deactivate the Citi credit card feature. I have asked on many occasions for this to be deactivated. I have this same service from other credit cards and have no issue turning on or off the benefit with other banks. 

At this point, I just do not want to access my credit report information from Citi. Further, I do not want to provide authorization for sharing my personal credit report information with Citi on a regular basis.

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 2023-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive been contacting Capital ones representatives all day long. Ive talked to about five people so far and Im just so fed up With calling Since last night I just really need help. They said Someones Things got mixed with mines From a previous number So I thought they fixed it But everytime I got back nobody Can find my information and just treats me like a thief and hangs up. My card got lost But now its on its way and I still have no access To my account its so ridiculous how terrible Customer service is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: FL

Complaint narrative:
I have filed a dispute with Equifax to remove and delete the account, XXXX XXXX XXXX XXXX, reporting amount of {$27000.00}. Opened on XX/XX/XXXX. Account number is XXXX. I submitted documentation to verify my identity. They requested a copy of my social security number and a copy of my drivers license. I have provided them this information 3 times and they have still failed to remove the fraudulent account from my credit file, and continuously send me repeated letters, requesting the same information that Ive sent multiple times, with different mailed out dates, without further resolution or an update about my dispute. I have faxed this information to them on XX/XX/XXXX at XXXX. I mailed the same requested information to them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
I have tried to contact XXXX on multiple occasions regarding an account they are reporting on my credit report. I have called and each time I call they say they don't have information on the account that Machol & Johannes does, and they transfer me to them and then I cant get ahold of anyone at this office, This debt was paid XXXX of XXXX I am submitting the settlement letter from machol & Johannes dated XX/XX/2021 and the confirmation of payment made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEMS is attempting to collect a fraudulent amount of {$710.00} which XXXX XXXX the Original creditor Opened XX/XX/2022 as a matter of retaliation. XXXX attempted to evict me due to a pet deposit that she wasnt owed. XXXX became the owner of a property I was renting and only had 3 months left in the lease at the time. We took it to court and the judge granted in my favor of no eviction and no pet deposit paid to her. I was also able to leave the house two weeks early. At that time XXXX did a walk through with me and never reported any damages or fees owed. By law she was supposed to send me proof of debt within 30 days and never did she she violated state and federal laws by sending this to a collection company without me even knowing. I reached out to the leasing company for proof of damages from when I first moved in and also I reached out to the company directly and advised them of this exact information and also stated if they needed I can get court documents. They told me the charges was valid due to XXXX sending in pictures of damages which I let them know could have been from any of the units XXXX own or she could have done that out of spite to collect money and I have no knowledge of any of this. The declined to help me so I have reported it. XXXX has also kept my deposit and added the fees of {$710.00} to my credit which is way outside of any damages or cleaning fees shes requesting. I would like for these fraudulent charges to be removed from my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlas Collections Inc. (of New Castle)
State: IN

Complaint narrative:
I was noticing by paychecks from work were not right..Come to find out I was being garnished XXXX an hour. of my check by Atlas Collections ACI out of New Castle Indiana for medical bills that occured when I was XXXXXXXX  and was almost stomped to death by XXXX XXXX.This happened in XXXX..I never went to court or was able to dispute this debt and they just started taking {$210.00} a week I make a little over {$17.00} an hour..I am almost forced to quit my job after turning my life around..A Judge out of XXXX XXXX XXXX XXXX XXXX signed document allowing this..Something is not right and this debt should be out of date if not unlawful..Please help me, I dont wan na quit my job, I just turned my life around recently and dont wan na throw it away

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: VT

Complaint narrative:
Some random company charged my account in HI for {$500.00} and it wasnt me but I have other bills o paid bounce and I got charged a overdraft fee and then when I filled a complaint they refunded the {$500.00} but not the overdraft fees and it is still on my 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 2023-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
They keep on saying I owe a debt to XXXX XXXX, when I say show me the statement they have no information, XXXX clearly have stated I paid a amount of XXXX and settled this, although the account is now closed in all 3 credit bureaus it reflects a debt owned XXXX and that should reflect at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My PayPal is XXXX For the last week, Ive had my time wasted on the phone with PayPal. First my money was on hold for 10 days. Then once it was available, it made me send a photo of my ID and SSN to verify my account. It took me hours to do so. Then, once my account was ALREADY ID VERIFIED, when I tried to withdraw my money it asked me to scan a photo of my ID and take a selfie of my face so they could match them together.

I did this in a well lit room and it was green lit and said it was supposed to be ok. Then it failed to match my face with the id. I was furious when I called back PayPal and they told me I would be locked out for 72 hours, and then I would have to try again. I asked them if it could be overridden since I ALREADY VERIFIED MY ACCOUNT and CLEARLY HAVE ACCESS TO IT, and they told me I would have to wait 72 and try again. I asked them what I could do if it didnt work, and they told me I had to wait another 72 hours and try AGAIN. I was absolutely livid, because I know its NOT gon na work, since it didnt work the first time and I did it the best way possible. PayPal automated systems are absolute garbage, and when I tried to reset my password, it would give me an error each and every time and I had to call an agent to do it manually. This is gon na be the same exact thing, I know. They cant possible tell me that someone in an ID photo is gon na facial recognition match automated when a selfie distorts the face, I look different, and an ID photo is done professionally shot. 

This is a ridiculous and convoluted system obviously put in place to make it hard for people to withdraw their money so they go ahead and use a PayPal debit card or credit card instead of being able to send it to their bank. This is absolutely disgusting and should be illegal. Not even banks ask to scan your face and an ID, and with a useless system that doenst work on top of it. Really losing my patience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing these accounts the information provided below are inaccuracies which are reporting on my consumer report. I have contacted these credit agencies in regards to this information. Nothing has been resolved on their behalf. 

XXXX XXXX XXXXXXXX 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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing these accounts the information provided below are inaccuracies which are reporting on my consumer report. I have contacted these credit agencies in regards to this information. Nothing has been resolved on their behalf. 

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 2023-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have disputed this debt and I have formally requested validation and they refuse to comply with the law. They responded saying that they sent me information on XX/XX/21 and again that is not validation of debt. I want this account closed, because I have not agreed to do business with them under any circumstance. I have not signed a contract with Transworld Systems Inc or XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation