vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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: VA

Complaint narrative:
In accordance with the fair credit reporting act, the following : XXXX XXXX XXXX  - account ending in # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights 15 U.S.C 1681 section 602 A states : I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I received a notice from Midland Credit Management on XX/XX/2023. On XX/XX/2023 I sent a letter with tracking number for them to cease any further contact with me. I also informed them the original creditor, XXXX XXXX charged off the account and according to my credit report it is showing a XXXX  balance. I also told them they do not have a legal binding contract with me ; therefore the debt is no longer owed because the original creditor has charged off the amount owed I no longer owe the debt. On XX/XX/2023 I received a missed call from Midland Credit Management at XXXX violating my request to cease all contact with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
An Explanation of Your Complaint I opened a mortgage account in XXXX with Bank of America for my rental property loan and setup auto payment for monthly mortgage payment, never had any issues. 

In XXXX beginning, I was traveling and forgot to review the house insurance for a week, Bank of America end up buying the insurance on my behalf and charged me. In this process, BOA Opened an ESCROW account ( without my knowledge ) and never closed after the job was done. I always manage my mortgage and other payments ( without any ESCROW account ). 

In XX/XX/XXXX, I started seeing missing mortgage payments as they were not applied to my mortgage account even though there was debit from my checking account. I started getting letters that I may need financial assistance etc. After investigation, I learned that portion of my monthly mortgage is being credited to the ESCROW account and hence the remaining amount is not sufficient to be applied against the monthly mortgage commitments. There were no communication from Bank about it. I visited XXXX XXXX several times, also visited XXXX XXXX XXXX XXXX BEGGING to Please close my ESCROW account as I DO NOT need it and my financials are in Good standing situation. 

Bank personnel kept promising me that they will follow up and ensure its closed. It Never happened. 

It is IMPACTING my HEALTH as I got so much Stress due to this USELESS issue and it has also impacted my Credit history. 

Few recent tickets were opened with BOA and I never heard back on the updates Ticket # XXXX Ticket # XXXX. 


I am Really really sick and tired - BOA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE PLEASE HELP CLOSING IT ASAP.IM LOSING MY PATIENCE. 

CALL ME IMMEDIATELY.. 


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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: OH

Complaint narrative:
On XX/XX/23 I filed my second dispute with MoneyLion. The first took place in XXXX. My account was accessed my a hacker and used to withdraw money out on two separate occasions. The first time the dispute was resolved and I was happy with the resolution. The transactions were only about {$300.00}. This time on XX/XX/23 the dispute was for roughly {$2600.00}. The same thing happened this time it went on for almost a month. New external accounts were added to the account and money was moved around to people I have no contact with and never met. I filed a dispute with MoneyLion. During the dispute it took us an hour just to get into the account because my credentials to log in were changed. We went through like twenty transactions, they were all in California. I live in XXXX  and have never been to California. Today I received resolution to my dispute basically saying they see nothing wrong with my account. Leaving me with a balance of {$2600.00} to pay them. MoneyLion is now requesting that I provide more details so that they can deny my dispute again.

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 2023-02-02 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: IL

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 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 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 2023-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America
State: TX

Complaint narrative:
This the second attempt to collect on same debt financial corporation of America just changed the amount to a higher amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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:
I have had my bank account frozen and fraud reports twice recently. 
Once on XX/XX/2022 for {$180.00}, {$570.00}, and {$350.00}. These transactions were not stopped until another {$180.00} purchase was made and then I was notified about these transactions. Being a XXXX XXXX, this almost wiped out my funds and although I did receive a reimbursement for the funds it took about a week, causing it to be very difficult to afford rent at the end of that month and go grocery shopping. 
Again in late XX/XX/2022 I had another incident, luckily this time I caught the pending charges and was able to have them reversed before money was taken out of my account. I am very careful with my card, so having it stolen twice in such a short period time without physically loosing the card did not seem right 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 2023-02-02 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I call Experian today XXXX XXXX and they said they wasnt re - investigating Very rude and unprofessional Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian XXXX, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian, XXXX XXXXXXXX are trying to stall me hoping that I will stop. XXXX.Filed a complaint CFPB complaint -came back verified no action taken by you guys. XXXX .Filed a complaint with my State attorney General office. XXXXContacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. XXXX.Email Experians, XXXX XXXX  Ceo as last resort before I Sue them.

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 2023-02-02 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 XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX account was opened under my name without my knowledge or consent and was used and left a {$1000.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a wellsfargo customer between XXXX and XXXX and have been miss charged for overdraft fees for years

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 2023-02-02 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: PA

Complaint narrative:
I was charged two amounts on my CapitalOne Venture card on Friday, XX/XX/2023 : one for {$1000.00} & {$960.00}. These were both fraudulent charges. I was alerted of fraud by the credit card company and I immediately disputed the charge, cancelled my existing credit card, and started a fraud investigation ( within minutes ). These charges officially hit my account on XX/XX/2023. 

I was alerted that my fraud investigation was completed and they found insufficient evidence of fraud because information we discovered leads us to believe you or another account user benefitted from the transactions After talking with the fraud department, they informed me that the chip technology was used in the transaction and therefore it means that the physical credit card was used to make the purchase. However, I was not in the location of where the charge was made, had never been there before, and physically had the credit card still in my possession. I am the only person connected to this account and no one else has access to this card. 

I tried to defend the purchases as fraudulent but they informed me that there was nothing they could do and that I had reached the top level of the fraud management department and that I was responsible for the charges. 

I was told that I was not able to receive additional details about their fraud investigation ( eg : what steps they took to deem the activity to be not fraudulent ) as that knowledge would disrupt the overall investigation and be not legitimate. 

The individual I worked with in the fraud department was XXXX, CapitalOne ID # XXXX. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02 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: TX

Complaint narrative:
The following inquires XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to unlock my credit score

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 2023-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I was billed by XXXX XXXX of Colorado through a finance collection agency call Professional Finance. I've never received a bill from XXXX XXXX and this was put on my credit report and for collections for two instances of {$170.00} each. This is a clear XXXX violation and I will take action against both of these companies for reporting XXXX information to a third party without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX reported and inquiry on my personal credit report. I am very concerned regarding the serious possibility that Experian XXXX XXXX has not followed the permissible purpose provisions of the federal FCRA. A credit inquiry from Experian XXXX XXXX was placed within my credit inquiry file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon CFPB to follow the law : Either provide documentation that the law was followed by contacting Experian XXXX XXXX at once, or remove these offending inquiries as soon as possible.

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 2023-02-02 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: TX

Complaint narrative:
Transunion is reporting an inaccurate account on my credit report. I sent a letter to the company XXXX asking them to validate the account in which they couldn't so XXXX and XXXX removed it from my credit report. I am having a hard time believing that TransUnion conducted an investigation because if they did, they would have known that the company was not able to validate the debt and that they are not licensed in the state of Texas to collect debt. This is a violation of the FCRA, and I am liable for compensation. At this time, I am only asking for the deletion of the inaccurate account. If I have to take legal action, I will be pursuing {$1000.00} per violation. Please see the attached documents of the dispute letter and my credit report showing that Transunion is the only credit reporting agency that has yet to remove this inaccurate account.

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 2023-02-02 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by GM Financial. 

Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX payment deferment granted by a customer service rep at GM Financial XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date. 

Thereafter, I reached out to GM financial regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every month before the XXXX late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX. 

My GM Financial statement due date is the XXXX of each month, and this payment was made before the due date. I have attached proof that I was not XXXXXXXX XXXX late, and I am requesting an immediate update to all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
This company robo calls me with the same number and same recorded message 6-7 times a month. The transcript of the prerecorded message is : Hi this call is from a debt collector this is RMPLLC please call us back at XXXX again the number is XXXX thank you I am on the do not call list. I do not have any unaddressed outstanding debts and only accept communications via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX account was opened under my name without my knowledge or consent and was used and left a {$1000.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX account was opened under my name without my knowledge or consent and was used and left a {$1000.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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