vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I recently discovered that I am a victim of identity theft. I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be issued or approved until the lender first verified my identity. 
Fortunately, in my case, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN FOUR BUSINESS DAYS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-09 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: The Savings Group, Inc.
State: OR

Complaint narrative:
Hi, I am not aware of any such inquiry or provided content to anyone to pull my report. Not sure why it has been added in my credit history. I want this to be remove and add my account to freeze so that no else can pull it again until freeze is released. 

This seems like a fraud issue where my DETAILS are compromised and resulted in pulling my credit. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
This is XXXX XXXX & I am giving my consent to Caine & Weiner to communicate with me via email or phone on documents that were disclosed on the phone with Supervisor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The below compliant has also been registered with the XXXX and NYSDFS. 
I am currently a Platinum Rewards member with BofA and I had the unfortunate experience of having to open an estate account for my deceased father last year. 
When I opened the account last year I was told that I would not be charged a monthly maintenance fee for the account as I was a Platinum Member. Recently I looked at the account and noticed that I had been charged a fee the last few months. I went into a branch and they informed me to contact customer service. 
Customer service refunded the fees, but informed me the only way to avoid the fees in the future is to add money to the account. When I informed them that legally I could not do that unless they were Estate Monies they were confused. The argument BOA makes is that I am not the owner of the account and thus not entitled to the platinum benefit. 
Figuring in person might be better I made an appointment to see the branch manager at the XXXX XXXXXXXX XXXX XXXX XXXX branch in XXXX. During our conversation she also suggested that I add more monies to the account and when I told her that was against the law she seemed confused and backpedaled Furthermore, when I told her it's hard to predict when checks would be coming in she did offer me the option of visiting the branch every month to waive the fees with the caveat that she could not guarantee how long she could continue to waive them. 
After all of this I emailed the Executive Relations team via the CEO 's office on XX/XX/09. They seemed surprised at how poorly trained the agents were in dealing with estate designations and informed me that is possibly because they don't have an actual estate account product only designations. This seems like an area of possible compliance enforcement against BOA. They were unable to resolve my fee issue and state that they would provide " Feedback '' regarding the compliance issue. 

I find this quite unacceptable as first, I find it quite alarming about how poorly trained the staff is about Estate Accounts. It is utterly unacceptable for any bank staff to be suggesting that I co-mingle monies. If I followed that advice it could put me at risk of violating the law as Estate Administrator. Second, being promised a fee waiver and then suddenly having a bank profit off my father 's passing is very unsettling. Finally, there fact that this is considered a personal account with an estate designation makes no sense as it's not a personal account it's property of an entity with it's own EIN.

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 2022-09-09 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: PA

Complaint narrative:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

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 2022-09-09 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: TX

Complaint narrative:
they are reporting inaccurate and incomplete information on my credit report the notation of the following late payment Is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late by provisions of consumer protection laws I demand that if unable to do so or lacking proof of these payments being late please update my payment history to paid PAANL ( Paid As Agreed Never Late ) and supply a connected credit profile to any creditors who have requested a copy of my credit report in the last 6 months Im also requesting the description of the procedure used to determine the accuracy and completeness of the information I have read that this should be provided within 15 days of your reinvestigation I also read that under federal law, you have 30 days to complete your investigation. 

XXXX XXXX XXXX Inaccurate Payment History XXXX  XXXX- Inaccurate Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Payment History

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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to get approved for a loan. Equifax does not have a credit score for me. After trying to verify my identity by sending my SSN card, drivers license and pay checks for two years, they say that I do not have any lines of credit although I have multiple credit cards and a student loan. The other two credit bureaus have credit scores for me. Equifax told me the name of the person, birthdate, address of who they have under my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I was selling an item on XXXX market place. I had a inquiry about the item, I was messaged from a person named XXXX XXXX. Went through a whole conversation about confirming Zelle accounts. So I confirmed friends with XXXX and went through the process of sending money to confirm friends and accounts. This all ended up in me transferring her {$840.00} through Zelle using my XXXX XXXX  App. And come to find out it was a scam. I have all pictures and emails to prove after the fact of confirming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I had an account with Bank of the West but I stopped using it after I went into the XXXX XXXX in XXXX. I stopped using it completely until sometime in XXXX of XXXX where I had some type of fee. I no longer had an account to receive notifications that I had a fee of any kind or to pay it off. After sometime I received a phone call and was able to take care of it. I have tried disputing it with the Bank of the West Dispute section but I have received no word.

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 2022-09-09 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: DE

Complaint narrative:
In accordance with FAIR CREDIT REPORTING ACT XXXX  account # ending XXXX from XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: DE

Complaint narrative:
In accordance with FAIR CREDIT REPORTING ACT XXXX  account # ending XXXX from XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my 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 2022-09-09 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: TX

Complaint narrative:
verify data for this account request to be provided proof of this item specific proof about ownership of debt, by consumer protection law if unable to do so lacking proof remove account from my credit report XXXX XXXX XXXX Inaccurate Address on account, no knowledge of account/not mine

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 2022-09-09 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: LA

Complaint narrative:
l, XXXX XXXX XXXX, and natural person am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and XXXX. XXXX XXXX CT XXXX legally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax, and XXXX. I did not grant XXXX XXXX CT permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 
As the consumer and natural person, I am invoking specified remedies and make the following demands : - Cease and desist reporting of the account name filings to all consumer reporting agencies. 
- Remove reporting of the account name filings from all consumer reporting agencies. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Hello, I monitor my credit on a daily basis. I currently have 4 derogatory marks on my credit report, 3 of which are through a debt collection company, otherwise known as, Portfolio Recovery Services. Portfolio Recovery has continued to show that I currently owe " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX '' all 3 of these different debt collection amounts ( I'll include dates for each amount, each amount is it's OWN collection account as well ). First : {$1000.00} Origination Date : XXXX. Second : {$730.00} Origination Date : XXXX. Third : {$500.00} Origination Date : XXXX. 
All three of these debts show that XXXX XXXX was the original lender. 
I've disputed all three through XXXX XXXX on both my XXXX and XXXX reports but to no avail. 
Now, the problem is, I've only ever been approved for 2 XXXX  XXXX credit cards, both were XXXX XXXX XXXX cards and both had a limit of {$300.00} with the exception that one of them had XXXX cashback option and the other had a {$150.00} Cashback option. If I remember correctly, I was accepted for my first XXXX  XXXX card in XXXX or XXXX and I honestly can not recall if I ever even made one single payment on it ; it is a possibility that I did not. 
Strangely enough, in XXXX, I applied for yet another XXXX XXXX XXXX card and was approved for a {$300.00} limit with {$150.00} Cashback. XXXX was a year of extreme financial hardship for myself and my family, so I don't think I ever made a payment on it either. 
I am aware that credit cards have fees included and especially high fees on Cashback, but there is absolutely no way humanly possible that two {$300.00} limit credit cards, that I defaulted on, could ever equal the total of the three accounts that Portfolio Recovery Services is showing that I owe them. 

- Thank you for your service and for your time. I appreciate your assistance in this frustrating matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: PNC Bank N.A.
State: PA

Complaint narrative:
PNC : I settled and paid off a credit card. Payments from XX/XX/XXXX - XX/XX/XXXX were reported as not made, even though I had XXXX and XXXX  XXXX issues that I informed PNC of XXXX The reporting is preventing my credit from being high enough to rent a home. I paid off the card, so the account and months are not delinquent and should not show delinquency. I called again XX/XX/XXXX and PNC told me that they were attempting to collect a debt before allowing me to speak further. I have no debt with PNC. PNC told me that they were not able to reverse the reporting and told me to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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:
they are reporting inaccurate and incomplete information on my credit report the notation of the following late payment Is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late by provisions of consumer protection laws I demand that if unable to do so or lacking proof of these payments being late please update my payment history to paid PAANL ( Paid As Agreed Never Late ) and supply a connected credit profile to any creditors who have requested a copy of my credit report in the last 6 months Im also requesting the description of the procedure used to determine the accuracy and completeness of the information I have read that this should be provided within 15 days of your reinvestigation I also read that under federal law, you have 30 days to complete your investigation. 

XXXX XXXX XXXX Inaccurate Payment History XXXX XXXX- Inaccurate Payment History XXXX XXXX XXXX Inaccurate Payment XXXX XXXX XXXX Inaccurate Payment History

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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
they are reporting inaccurate and incomplete information on my credit report the notation of the following late payment Is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late by provisions of consumer protection laws I demand that if unable to do so or lacking proof of these payments being late please update my payment history to paid PAANL ( Paid As Agreed Never Late ) and supply a connected credit profile to any creditors who have requested a copy of my credit report in the last 6 months Im also requesting the description of the procedure used to determine the accuracy and completeness of the information I have read that this should be provided within 15 days of your reinvestigation I also read that under federal law, you have 30 days to complete your investigation. 

XXXX XXXX XXXX Inaccurate Payment History XXXX XXXX Inaccurate Payment History XXXX XXXX XXXX Inaccurate Payment History XXXX XXXX Inaccurate Payment History

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Mercury Technologies, Inc.
State: DE

Complaint narrative:
Hello, Our complaint is mainly for Mercury.com and the accounts provided by them are in XXXX XXXX  XXXX XXXX. We've our funds withheld, They initially mentioned that the funds would be withheld for 60 days. Our account was suspended on XX/XX/XXXX and till date we've not received the funds. 

Our Mercury account email is XXXX, the name of XXXX is XXXX XXXX  XXXX XXXX, Account number : XXXX, Routing : XXXX. The total sum of funds which have been unlawfully withheld for over 4 months now is {$11000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09 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: IA

Complaint narrative:
I wrote XXXX XXXX XXXX  due to an inquiry on my Transunion Credit Report that I DIDN'T AUTHORIZE. I asked that the inquiry be removed. I now have my attorney involved as well. It is illegal and unlawful, according to FDCPA for a company to do this. They are reporting inaccurate information on my credit fileXXXX XXXX XXXX XXXX is a LOW GRADE CREDIT CARD COMPANY. I WOULD NEVER APPLY FOR A CARD LIKE THIS! I have an established PIN number through the IRS that is required for anyone to pull my credit!

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 2022-09-09 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: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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