vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 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: DISCOVER BANK
State: FL

Complaint narrative:
I was checking my email and I got an alert from XXXX saying that I had another hard inquiry. I have not applied for any type of loan recently. I went on their website and it led me here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 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: GA

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. 

These accounts have violated my rights ; XXXX XXXX XXXX DEPARTMENT OF TREASU XXXX 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 2022-12-16 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: MECHANICS BANK
State: CA

Complaint narrative:
In accordance with the fair credit reporting act Account Name : XXXX XXXX Account # XXXX / Account Name : MECHANICS BANK XXXX XXXX  Account # XXXX has violented my rights. 

15 USC 1681 Section 602 states I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without a written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
About 6 years ago I refinanced my home. As part of this process, I thought my second mortgage was part of the refinance. I stopped paying my second mortgage thinking it was paid. Specialized Loan Servicing did not send me a statement nor did they try contacting me until this year. They contacted me via certified mail and explained that if I did not pay my back second mortgage payments they would foreclose. At first I thought it was a scam. Nothing was on my credit report showing I was delinquent and like I said they never contacted me up until this year. I was able to secure a HELOC to pay off the Specialized Loan Servicing demand. Normally a delinquent loan does not qualify for a second mortgage but since they never reported it delinquent I was able to easily get a loan. Unfortunately I had to pay a ton of interest that I would not have accrued had they sent me a statement or contacted me in any way. In addition to this, they refused to refund an over payment made to settle the loan. They agreed to a lower payoff amount however my loan to pay Specialized Loan Servicing off was already in flight. Instead of redoing the payoff with my current lender I sent the full payoff amount. This was {$17000.00} more than the agreed payoff. Specialized Loan Servicing refused to refund this overpayment.

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 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Gurstel law Firm P.C. Has filed a summons against me. They claim I owe {$690.00}. I have not heard of this Agency before. I have not received any letters from the original creditor in the last 2 years. XXXX XXXX. I have not received any letters from any Debt collector in regards to XXXXXXXX XXXX in the last 2 years. I don't feel I owe this amount. And I want to see the original Amount from the original creditoXXXX XXXX XXXX I feel that Gurstel law Firm is making up numbers to get more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Upstart Holdings, Inc.
State: MA

Complaint narrative:
This company contacted myself and four family members last evening around XXXX. They would not identify what type of company they were calling from and all they said is they needed to know my " location ''. They not once stated that they were attempting to collect a debt they just repeated the name of their company and would not answer what type of company this was to ensure my safety before advising my " location ''. Collectors should be calling to attempt to " contact '' a consumer, never to LOCATE them. I just left an XXXX XXXX XXXX XXXX XXXX XXXX and the fact that this company called late at night and ALL of my family asking for my location made us contact authorities thinking it was related to this XXXX XXXX situation. Even when I called today and stated it was me, they would NOT tell me what their company does or why they were looking for me ( again IE if they were attempting to collect a debt ) unless I told them my DOB and home address. Of course they were XXXX  on top of it, absolutely no customer service on their part which caused EXTREME distress and frustration on my end. They stated their script of stating they are looking for a consumers " location '' and calling multiple family members was provided by the CFPB so it was legal. This tactic is scary and inappropriate for the consumer, as you never know what a consumer 's situation is, just like my situation explained about above. I hope this never happens to another consumer or their family again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
My ex-boyfriend reached out to me because he was contacted by Fifth Third Bank numerous times this past month. Fifth Third Bank changed the phone number associated with my mortgage to my ex-boyfriend 's phone number, which is not associated with my mortgage. Fifth Third Bank did not give me an explanation as to why it changed or when it changed. To make a payment, I had to provide my ex-boyfriend 's phone number and then explain the situation, to which they said, " I do not know when or why the phone number changed. '' I talked to 4 different people who merely repeated, " It is fixed now, and that number will never be contacted again. '' I again requested information about when this change was made and was given the response, " I do not have access to that information. '' This is a huge security issue. What if he took out a loan against my house? This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has been reported as late payment, the alleged debt is in dispute and was discharge by IRS XX/XX/2022. 
15 U.S. Code 1681a ( 2 ) ( 1 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX XXXX XXXX XXXX XXXX is the person making the report. My transaction is my payment history for an alleged debt. 
The term consumer means any natural person obligated or allegedly obligated to pay any debt. 
A person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity 15 U.S. Code 6802 ( a ) XXXX XXXX XXXX XXXX XXXX may not, directly or through any affiliate, disclose to a nonaffiliated third party, that is TransUnion any nonpublic personal information, unless XXXX XXXX XXXX XXXX XXXX provides or has provided me a notice that complies with section 6803 of this title. I did not receive a notice from XXXX, regarding disclosure of my information to TransUnion. 
15 U.S. Code 1681 ( a ), As determined by Congress, TransUnion is violating the accuracy and fairness of credit reporting of my information. TransUnion is not exercising their grave responsibilities with fairness, impartiality, and a respect to my privacy. 
Due to TransUnion negligence of the law, my rights as been violated under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting credit, this has done harm to me and my Family. XXXX XXXX XXXX XXXX XXXX as no standing to report a late payment to TransUnion, and they are now disclosing to other third parties. Which is in violation of my consumer protections given to me by Congress.

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 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IA

Complaint narrative:
Hello US Bank, im reporting today because I've been having issues with your online banking for some reason. I just made my online account for the first time on XX/XX/XXXX, XXXX my account was locked right after for no reason and I got it reinstated today XX/XX/XXXX after 48 hours. After having it unlocked, I applied for a second checking account and once again.. Online User ID Locked. not sure what's going on but I literally haven't been able to use my bank 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 explanation
Consumer complaint received 2022-12-16 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: IL

Complaint narrative:
First off I want to say I called the Experian XXXX times yesterday and had all my calls recorded and they are intentionally sending me a call filtering my call so I can't speak to a representative they are they have intentionally put a freeze or lock on my account after I spoke to a a customer service representation representative yesterday and they apologize for having the alert or freeze on my account I tried to run my credit again and I said it was blocked for promotional purposes I call Experian back again and I do not have the option to speak to nobody through the automated system I turned around and called for my fiance 's phone and put her information in and it went straight to a representative I don't know what part about allowed that they're allowed to screen our screen the phone called lock our credit and then screen phone calls when I try to call and get it unlocked intentionally discriminating if you ask me I don't know if it's because of XXXX background but they're clearly discriminating against me like I said I have the recordings for proof and evidence that this is going on and it's not a figment of my imagination my fiance it should be heard she's been right next to me she's here the same thing and she under she's in shock that they're allowed to do this internet to continue doing this cuz this is something I complained about in the past and the same thing is still going on with no resolution. They're putting a lock on my credit for that I can't reach out to anybody with it for loan or mortgage or anything and then when I try to call in to correct the mistake because I never authorized any kind of a lock or a freeze or anything to be on my credit Experian is intentionally locking in are screening automated system is sending me somewhere else and there's not sending everybody else to the same automated system I have proof this is going that and they're locking my credit file because the agent told me twice yesterday that he apologize but but he had to remove XXXX locks yesterday alone and never put XXXX on and I have it on recording and I have it on recording that they are doing this anybody was a mistake it's not happening it's not a mistake every day that they did my credit file is llocked by Experian XXXX or XXXX they are willingly manipulating the credit 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 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STARK & STARK, P.C.
State: NJ

Complaint narrative:
I'm currently in a legal dispute with my home owners association XXXX XXXX ( XXXX XXXX XXXX ) and their attorney Stark & Stark debt collector. Stark & Stark was sent a cease and desist letter on XX/XX/XXXX. my request has been completely ignored on multiple occasions. XX/XX/XXXX a notice wage of execution was sent to a colleague of mine and a company that i don't even work for. I wrote private on all my documents pertaining to this matter and was completely ignored. Stark & Stark has violated my rights many times. Stark & Stark has been bullying me for over 10years for a 3,000 debt. and another 7,000 in legals fees which is extortion. and because of their relationship with the courts the motions always work in their favor. They failed to provide me with an ADR ( alternate dispute resolution prior to ligation. Stark and Stark made false claims it was offered and I never responded which is false.Because the ADR law was created after I purchased my home. ADR should have been created by the association and I requested a ADR in court and still haven't seen one. Starting XX/XX/XXXX, I sent them a payment every month to try to resolve alleged balance, of the association fee in good faith and each payment was returned basically it wasn't good enough. How do you sue someone for money but return it? This is all about extorting me out of my home. XXXX XXXX and XXXX XXXX with the help of Stark & Stark and XXXX XXXX XXXX own several homes in my development using these same bullying practices. They're clearly taking full advantage of the fact. Our homes were built in a marginalize community through the affordable housing program. and they can get some prime real estate at a bargain.Now this area is under redevelopment. and our property values has tripled. Its unethical, aggressive and should be against the law but unfortunately, it's not. Stark & Stark and XXXX XXXX for some reason think they can skip steps in due process.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-16 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I received a copy of my credit report. I have XXXX unauthorized inquiries on my report. XXXX from ( WF CRD SVC ) on XX/XX/2021 and XXXX from ( XXXX XXXX  XXXX XXXX on XX/XX/2021. I did not make these inquiries. I am a victim of fraud, and will like to get these inquiries removed immediately.

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 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
This company continues to call me requesting payment on an account that has been closed and settled with the original creditor. National credit systems continues to ask me for the receipt and a copy of my bank ledger which I have provided to them multiple times and they still will not close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had 3 accounts with Capital One, two checking and one Savings account. I received notification by email that the accounts had been closed. I reached out to Capital One to determine what had happened to the funds in the accounts and was told a " close out '' check would be mailed to me and to wait 7-10 days. I received a check for {$7.00}. I called back, as there was over {$72000.00} in the accounts and after being transferred back and forth multiple times was told the " bank had determined all the money in the account was fraudulent and the only true value of my accounts was {$7.00} '' which was the close out check In XXXX of 2020 my sister in XXXX had arranged through an intermediary to transfer {$39000.00} and {$33000.00} to my accounts to help her buy a car. She had transferred money to me in the past and I didn't think anything of it. I had over {$39000.00} in those accounts prior to those transfers AND I had the accounts for over 15 years, first with XXXX and then with CapitalOne when they bought them out and had never had any issues with them or any other banks with which I have long business and personal financial relationships. 

I found out later that one of the transactions for {$39000.00} had been reported as fraudulent by the person or persons she had trusted as an intermediary and had initiated the transfer on her behalf and the transfer was reversed. The other transaction had no issues but CapitalOne also insisted it be reversed. My sister tried to have this done unsuccessfully because they had not filed any complaints. The total amount of {$72000.00} which includes {$39000.00} I had for several years prior to the mishap and the remaining {$33000.00} which could not be reversed has been sitting in those accounts for the last 2 years. You will have records of the complaints I had to file in the past to get answers as it has been impossible to get someone to actually talk to. 

My sister who is a XXXX  has since filed criminal complaints in XXXX against the persons who she had trusted to wire the money to my account. I can provide evidence of this if necessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, i am the living breathing man XXXX. i hereby am filing a formal complaint against Capital One Credit Card, for violating my consumer rights under the authority of the fair credit reporting act in an extension of credit transaction. Capital One credit card furnished my non public personal information to XXXXXXXX XXXX XXXX  XXXX without my written consent which is enforced under the Fair credit reporting act and the Gramm leach Bliley act for my rights to privacy. Furthermore, i would like the inquiry removed from all credit reporting agencies immediately. I am aware my consent is required for such information to be furnished. I do not give consent or power of attorney to act on my behalf to any party above-mentioned. Please take notice Capital one, XXXX, XXXX, and XXXX can be held civilly and criminally liable. This is my good faith attempt to resolve these matters. 

XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: CA

Complaint narrative:
Hi, i am the living breathing man XXXX. i hereby am filing a formal complaint against XXXX XXXX Credit Card, for violating my consumer rights under the authority of the fair credit reporting act in an extension of credit transaction. XXXX XXXX credit card furnished my non public personal information to EquifaxXXXX XXXX XXXX XXXXXXXX without my written consent which is enforced under the Fair credit reporting act and the Gramm leach Bliley act for my rights to privacy. Furthermore, i would like the inquiry removed from all credit reporting agencies immediately. I am aware my consent is required for such information to be furnished. I do not give consent or power of attorney to act on my behalf to any party above-mentioned. Please take notice XXXX XXXX, XXXX, equifax, and XXXX can be held civilly and criminally liable. This is my good faith attempt to resolve these matters. 

XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX. Has filed a summons against me. They claim I owe {$690.00}. I have not heard of this Agency before. I have not received any letters from the original creditor in the last 2 years. Citi Bank. I have not received any letters from any Debt collector in regards to Citi Bank in the last 2 years. I don't feel I owe this amount. And I want to see the original Amount from the original creditor. Citi Bank. I feel that XXXXXXXX XXXX  XXXX is making up numbers to get more money from 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