vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Durango Credit and Collection Company, Inc.
State: CO

Complaint narrative:
Dispute Debt Collection Letter XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Durango Credit and Collection XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XX/XX/XXXX Dear Collector I was notified by your company on XX/XX/XXXX regarding an alleged debt. Ambulance Service transported me to XXXX XXXX XXXX XXXX, CO XXXX emergency room two times without being tested for XXXX and no real clear-cut diagnosis at the time, had symptoms of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not understand why the hospital/ambulance service did not charge the bill to my Medicare Card . I was XXXX XXXX XXXX and got XXXX two times and could not work. Some of the employees that work for the ambulance service was unprofessional and rude ( kicked my foot as I was waking up from passing out ). 

I request all the following information be provided to me by mail. Then amount of the alleged debt. The full name and mailing address of the original creditor for the alleged debt. Documentation showing you have verified that I am responsible for the debt. Documentation showing you are licensed to collect debts in Colorado. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TX

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.

The letters are stated with items and issues. 

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 non-monetary relief
Consumer complaint received 2023-06-02 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: NY

Complaint narrative:
The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! Debt loadurbances can have a huge impact on our lives if they're left unchecked, so it's important to report any derogatory information accurately and compliantly. I am requesting that you investigate the validity of the allegations in my credit report, and if they're current and compliant with regulations, then we'll leave things as they are. However, if any of the information is not accurate, I demand that you remove it from reporting 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 2023-06-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! Debt loadurbances can have a huge impact on our lives if they're left unchecked, so it's important to report any derogatory information accurately and compliantly. I am requesting that you investigate the validity of the allegations in my credit report, and if they're current and compliant with regulations, then we'll leave things as they are. However, if any of the information is not accurate, I demand that you remove it from reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My car was repossessed in XXXX of XXXX after I was only behind and my monthly payment was somewhere in {$500.00} and I've always been behind because they at Wells Fargo denied my request to change payment because I was paid twice a month. I submitted at least three to four requests to change payment due date over the course of this loan that started in XXXX. They did not allow me covid relief when my payment was late by {$500.00} for the month not including late fees and interest they repossessed me and they should not have recessed me over {$500.00} for the month because it was common for me to pay in two installments over the month and I had called requesting that relief due to a change in circumstances and I was denied help by Wells Fargo. They sold my car for {$750.00} and they are refusing to give me a settlement price. Also at time of repossession I was never told that my car would be sold that month by any source. I lost at least {$200.00} worth of personal possessions that was in my car that the impound dealership or wherever my car went refused to let me know how to get my things. Wells Fargo will not reimburse me for my things or even hear that I lost {$200.00} worth of personal property including a tackle box from XXXX with my grandfather 's fishing equipment in it that may or may not have been worth a lot at auction but I know it was worth a lot to me. I continue to call and ask for a settlement price after they sold my car and they are refusing to give me a settlement price which I know my rights are to have that ability.

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 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I cashed a check through the Chime mobile Application. On XX/XX/XXXXXXXX XXXX XXXX  cashed the check but money was never in my account. Chime uses stride bank to cash checks. I called Chime they told me they returned the check to the issuer because of stop payment. I called the issuer of the check and they never received anything back regarding the check from chime. The person that issued the check got on the phone with Chime and they couldn't give an specifics or answer any questions all they said was the check was returned. THe funds are now missing and no one has any answer on where to find them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/2023, I had trouble installing software for my new XXXX XXXX XXXX printer. According to the instructions book I went to XXXX to download XXXX XXXX app and software. But I failed to do so. At this time a pop-up window showed up as XXXX tech and asked if I needed help. I said yes. Then the pop-up window said someone from XXXX will XXXX me to help. Then someone called XXXX called me from XXXX ( XXXX NJ ) .He said he must log into my computer in order to fix the problem. After he logged in my computer, he said there are a total of 46 hackers on my computer. Then he said the hackers are trying to withdraw money from your bank account. You should check to see if there are any unknown withdrawals. So, I logged into my account while he was looking at my computer. But I told him that I did not see any unknown withdrawals at that moment. He said not yet but in processing. Unforturnately after his visiting my computer, I noticed XXXX international transfers from my account to an account called " XXXX XXXX '', {$1100.00} and {$340.00}. It was XXXX XXXX on XX/XX/XXXX. I called Bank of America immediately. But the office was closed. I waited next day on XX/XX/XXXX at XXXX XXXX, I went to the branch of Bank of America and asked them to stop the transactions. But the representative said Bank of America does not have a way to stop this type of scams. They just let the transaction go through and charged me two international wire transfer fees {$10.00} and {$34.00}. My total loss is around {$1500.00}.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I initiated a transfer from cash app to my bank on XX/XX/XXXX at XXXX and the funds were never transferred but were deducted from my cash app balance. I have tried to contact cash app support numerous times and they continue to ignore me, close my case and say the funds were transferred. I gave them my bank statement yesterday where it is clear the funds never went through and they still closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: OR

Complaint narrative:
I paid off the loan on XXXX, 2023. I received a letter on XX/XX/XXXX saying " Also enclosed is your title and contract documentation that we had on file for your loan. '' the only thing the letter has enclosed is a Lien Satisfied letter, and a two-paged list of various business names that Westlake Financial says they have rights to service, secure or release the interest on vehicles with. 
When I called them they told me I have to go to DMV and pay for a title. I told them, no... you are supposed to provide me the title after the loan is paid off. She said the 'title is verified ' and I could not understand her words when I asked what she meant. She was clear about telling me that I would need to go to DMV and show them the lien satisfaction letter and then pay for a title. 

It's my understanding and previous experience with every auto loan I've ever had, that once the vehicle is paid off the financial institute that held the loan provides the title to me. I told her I believe they are required to provide the title and she kept repeating that the title has been " verified '' I gave up and told her I would file a complaint and force them to provide the title.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I've suffered from two big negligent problems with this XXXX XXXX XXXX : 1 ) I never received a bill, nor ever was notified that my bill was due or close to overdue. There was zero communication from XXXX XXXX except for promotional emails about accumulating points and spending points. 

2 ) This XXXX XXXX advertises itself exclusively through its website and cell phone app. The only way to create automatic payments is through its cell phone app, but the cell phone app was always broken and wouldn't let me log in ( even though I was using the SAME username and password from the website ). In other words, the cell phone app was too buggy to use, so their advertised " automatic payments '' were dis-functional and un-usable. I've included photos from today of this dis-functionality between the web interface and cell app interface. 

The lack of any billing notifications, and the dis-functionality of their web/phone interface resulted in me never being informed of my overdue bill, nor able to setup auto payments for it. 

These problems are likely because this credit card is very new, and the web/cell interface is very new. It has bugs. Also there was zero customer service available by phone or email or webchat for over 3 business days that I tried to contact them. 

This resulted in an overdue status on my bill and a late fee. 

Due to their faulty system, I'm requesting that this XXXX credit card completely remove the overdue bill history of my account and restore my account history to a clean history so my credit scores don't get damaged from XXXX 's negligent faulty bill payment app.

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 2023-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name : XXXX XXXX & Account Number : XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone was selling 2 tickets to an event for {$480.00} total. I messaged them over XXXX XXXX and I sent {$100.00} through XXXX to the seller for insurance purposes on XX/XX/2023. Then the tickets were transferred to me over email from frontgatetickets.com. Lastly, I sent the rest of the money ( {$380.00} ) through XXXX on the same day as the payment continued to fail on XXXX, which was the first thing that made me suspicious. I then realized tickets can not be transferred through frontgatetickets.com. I found out later that the seller deleted their XXXX account, so I was unable to message them. I bank with Wells Fargo and completed my XXXX transfer through them, so I called the bank and they opened a claim for me. Wells Fargo sent me a letter notifying me that the money could not be returned to me as the transaction was authorized by 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 2023-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CashMax LLC
State: LA

Complaint narrative:
In XXXX I started receiving a ton of emails and calls about loans I applied for. I did not apply for any loans. XXXX informed me my info was shared on the dark web. XXXX XXXX came to my account and I return it from another company. Boost Finance claims a loan was sent to a prepaid card. I have spoken to them several times and they will not investigate their own issue of allowing scammers to apply for and receive loans on prepaid cards. I have not received any money from this company.

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