vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have had an account with Bank of America since XXXX In that 25 years I have had one late payment by 5 days and 1 missed payment. When I discovered the missed payment I paid it immediately and it was less than 30 days past do. I got a letter from the company saying my credit score drop to XXXX and they were dropping my available credit from XXXX to XXXX. My credit score has not dropped. It is still XXXX. In trying to reason with Bank of America I said that 2 incidents of past due payment in 25 years was not reason to drop my available credit. They said they could not do anything about it.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
XXXX XXXX XXXX put a collection of {$630.00}. They say it was opened on XX/XX/2019. They state that the original creditor was XXXX XXXX XXXX i have never contracted them for any service. I have never received a bill or invoice not even a call. I was surprised by this collection on my credit. I called first XXXX XXXX and to my surprised they did not have any information like my address or social security number or even telephone number. The only information they had was my birthday and name and that meant the collection belonged to me. i asked them why they were collecting money from me they insisted that i have pay regardless whether i know or dont know about it or else the collection will continue to reflect on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmerAssist A/R Solutions, Inc.
State: WY

Complaint narrative:
I settled the total amount and had a payment arrangement for approximately 50 % of the total owed. I paid {$100.00} through the phone with them as an initial payment and then my debt was transferred to another debt collector. The new debt collector does not show any payments were made. After multiple phone calls to AmerassisXXXX, the old debt collector, they finally found my account and the payment I made. Amerassist has agreed to refund me the {$100.00} payment but they have yet to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OK

Complaint narrative:
Received debt collection papers CS number XXXX for IRS in my name. Its says that it was accrued XX/XX/23. First this is not my balance, I was not working when this was filed. I have never filed as head of household, this balance be longs to my husband, some of which before we were married. It needs to be taken out of my name. Second the larger balance was not accrued this year it was accrued almost a decade ago, which is past 7 years and must be written off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: AR

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a 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 2023-04-24 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: NV

Complaint narrative:
I was overcharged erroneous fees for my bank account from 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 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They're reporting me as late even when I'm not that's why I want you to look at the documents that I've attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: MN

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 



Please erase from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: CL Holdings LLC
State: NH

Complaint narrative:
Disputed debt, mailed certified letter, allowed 45 days to validate, failed to do so and did not remove or report to remove information from my credit report Reporting invalidated information to credit bureaus Unable to validate debt. 
Violation of the FCRA Violation of the FDCPA Defamation of Character Performed no investigation as requested Provided no response within 45 days of request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: AR

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 XXXXXXXX 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 a 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 explanation
Consumer complaint received 2023-04-24 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: AR

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 XXXXXXXX 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 a 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 2023-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing, the company that service my mortgage has increased my payment starting in XX/XX/XXXX without any explanation, from {$600.00} to {$1000.00}. This loan is part of the bankruptcy discharged on XXXX XXXX. They are now calling me and harassing me demanding the payment. 

I have requested a modification since XXXX XXXX Also I have sent all the documentation and they are in the back and forth asking for more information. 

I lost my job recently since this one was a seasonal job. But income from unemployment is coming to pay the mortgage. 

I want this harassing stop and keep my payment of {$600.00}. Please help me and intervene so all these stop. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I received emails notifying me that a new bank account had been opened in my name at Bank of America, and I do not have any accounts there. I called their fraud department at XXXX and reported the fraud. They said it had been opened online, investigated my claim, and confirmed the account had been opened fraudulently using my name, date of birth, and social security number. They immediately closed the account. This exact same thing happened to me in XXXXXXXX XXXX XXXX, after which I filed all the necessary claims, complaints, and freezes, so I am appalled that it happened again with the same bank. All of the freezes are still in place. How did this happen? Bank of America should not have opened the account with all of the freezes and alerts I have in place.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint against Equifax and XXXX regarding an inaccurate collection account that is being reported on my credit reports. The XXXX XXXX XXXX account is in violation of the Fair Credit Reporting Act ( FCRA ), which states that any incorrect information reported shall be verified or deleted from the report. 

The collection account in question is for XXXX XXXX XXXX in the amount of XXXX. According to my records, I have never had any dealings with this creditor, and I do not owe them any money as of XX/XX/2023. Furthermore, the collection account has not been verified by XXXX XXXX XXXX or any other entity, despite my requests for verification. 

I have attempted to dispute this collection account with XXXX XXXX XXXX and the credit bureaus, but it remains on my credit report. This inaccurate information negatively impacts my credit score and ability to obtain credit and loans. 

Therefore, I request that the collection account be deleted and removed from my Equifax and XXXX credit reports immediately. I also request that XXXX XXXX XXXX cease all collection activities related to this account. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Unable to Sustain credit due to false and an accurate information on credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX is attempting to colled the amoutt of XXXX USD ( XXXX ) treatment of XXXX XXXX - XXXX - this service was not provided ( 2 ) Office visit - XXXX - visit lasted only 20 minutes, the amount is way too much ( 3 ) Also charged XXXX dollars for XXXX XXXX which was not provided, I bought my own ankle support I called the doctor 's office several times regarding the services and charges. They promised to look into the matter and never replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Few days ago I checked by Wells Fargo bank accound and found out I suddently lost {$10000.00} on it, and I quickly discovered on XX/XX/ and XX/XX/ there are transactions of a total of {$10000.00} to one/multiple XXXX  account ( s ) with my name on it. I have never opened an account at XXXX, so I called XXXX and asked what really happened. They said it might be identity theft because they discovered that somehow someone was able to obtain my name, SSN and physical address to create a bank account at XXXX, the email address and phone number of the account at XXXX were both invalid. So people at XXXX assisted me to file disputes for both transactions, I also contacted Well Fargo about that and they also file disputes for both of them. I also filed a report on IdentityTheft.gov, and from my email I did actually receive some card fraud alerts from visa that some purchase I need to verify, but the last 4 number of the debit card on the email was XXXX which I am not fimiliar with. I contacted visa about this they say this card is from XXXX which again as aforementioned.

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 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
ON XX/XX/XXXX, I CONTACTED XXXX REGARDING AN INCORRECT ADDRESS ON MY CREDIT REPORT, I WAS INFORMED BY XXXX THAT ONLY XXXX XXXX XXXX CAN REMOVE THE INCORRECT INFORMATION. MY ADDRESS IS NOW SHOWING ON MY CREDT REPORT AS XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX I NEVER LIVED IN XXXX GA. I THEN ATTEMPTED TO CALL XXXX XXXX  THAT GAVE ME THE INFORMATION TO CONTACT FIRST NATIONAL COLLECTION THAT INFORMED ME THAT THEY CAN NOT CHANGE THE ADDRESS XXXX XXXX HAS TO CHANGE IT. I ASKED WHY BECAUSE THIS ADDRESS WAS UPDATED RECENTLY BY YOUR AGENCY SHE THEN STATED THERE IS NOTHING SHE CAN DO. NOW MY MAIL IS BEING SENT TO AN ADDRESS THAT IS NOT MY ADDRESS SHE WAS ONLY CONCERN ABOUT CHANGING THE CORRECT ADDRESS SO THEY CAN CONTACT ME. I ASKED THAT SAME WAY YOU ENTERED THE ADDRESS ON XXXX SITE YOU CAN UPDATE THE CORRECT ADDRESS I THOUGH YOU ASKED FOR AN UPDATED ADDRESS TO CORRECT THE ISSUE SHE SAID AGAIN THERE IS NOTHING WE CAN DO CONTACT XXXX OR XXXX XXXX. I NEED THAT FALSE ADDRESS REMOVED BECAUSE I HAVE MAIL GOING THERE NOW. ALSO THEY BEEN SENDING MAIL TO THAT ADDRESS I NEVER RECIEVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX the bank sent a check to XXXX for my insurance balance and re routed and delayed payment to prevent payment on time. Commiting mail Fraud by XXXX and I even have a copy of the delayed receipt. I have asked for explanation and I have yet to receive any explanation or acceptance of proof provided by their company. Also I would like to ask why, when I was on COVID relief. Why didn't I receive confirmation of that relief by mail or electronic mail. NOT once but twice this was extended to me but not reflected in the accounting sheet that truest mortgage submitted as part of a consumer finance protection bureau investigation and a FTC inquiry. Do you send anyone who has asked for help for a covid relief any papers confirming or denying their participation in a government program. Where does it say that I participated in this program? If you can not confirm can I see if my name was included on any paper sent to the federal government as part of this government program? Did you receive a text credit for allowing myself and others to be on a federal covid program. Where are the papers saying that I completed the use of this program twice. Why is it that while I was using the program you had accounting sheet set up as if I was behind in payments {$13000.00} in XXXX? But yet in XXXX I had successfully paid off requirement set forth by you and then received a late payment charge only in XXXX? Please explain this to me.

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 2023-04-24 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated mt 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 : also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-24 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated mt 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 : also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I AM REQUESTING OMBUDSMAN OR BANKRUPTCY DEPARTMENT TO CORRECT MY ACCOUNT AS MY BANKRUPTCY CASE XXXX IS STILL OPEN. MR COOPER SYSTEM IS INACCURATELY REPORTING THAT MY BANKRUPTCY CASE CLOSED ON XX/XX/XXXX. STILL, MY ACCOUNT WAS MODIFIED DURING BANKRUPTCY XXXX XXXX  FOUR YEARS AGO WITH ME PAYING ON TIME UNTIL COVID 19 NATIONAL DISASTER. HOWEVER, I AM IN GOOD FINANCIAL STANDING AND QUALIFY FOR TRIAL MOD AND MET ALL THEIR REQUIREMENT STILL, THE INVESTOR THAT OWNS MY NOTE IS IGNORING MY FILE TO PUT ME IN HARMS WAY DESPITE PROVIDING FINANCIAL DATA TO THEM SEVERAL TIMES. 

I RECIEVED A LETTER AN XXXX SINCE XXXX AND RECENTLY A XXXX LETTER LETTER DATED XX/XX/XXXX FROM MR COOPER STATING A RESPONSE APPROVAL FOR TRIAL MOD BY XX/XX/XXXX. YET, MY ACCOUNT IS STILL PENDING GOING ON 9 MONTHS TO INTENTIONALLY PUT ME AND MY FAMILY IN HARMS WAY FORECLOSURE DESPITE 3 TIMES EMAILING PROOF OF {$22000.00} PER MONTH INCOME. I EVEN OFFERED TO PAY MR COOPER {$20000.00} OVER THE PHONE TO CATCH UP MY ACCOUNT AND THEY REFUSE MY MONEY PREFERRING TO FORECLOSE MY ACCOUNT. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX VETERAN WITH HONORS

Company response to consumer: Closed with explanation