vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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:
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.

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 inructions 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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: ME

Complaint narrative:
My Credit Line was suspended in XX/XX/2023 due to non payment. I was not aware of this until XXXX, 2023, as I tried to use the card for a purchase. In XXXX, 2023, i paid off most of the account, not knowing it was suspended. The account manager i spoke with, did not inform me that my account was suspended. I put myself in financial trouble trying to pay this balance off. 

The reason why the card was maxed out was that i had XXXX in XXXX and so did my daughter. I had to purchase everything with XXXX XXXX. It was very expensive. 
Since, my suspension, i was told nothing more than suspension reviews were conducted every month. I was given no review, or opportunity or even instruction on how to re-instate my account. 

In XX/XX/2023, I spoke with a review manager on the account and was told that my account would not be re-instated until my debt was paid off on my credit report from another company, not Discover. 
How is this right? I am forced to pay a credit card i can not use, and not able to use it because I owe a different company money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-07-12 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XX/XX/XXXX, I posted my room for rent on XXXX and a woman responded. She seemed very interested in my room. She told me she was in XXXX, that she was a humanitarian officer/medical officer and her boss was going to send me money for rent ( {$370.00} ) and {$200.00} for me for running around for her. I told her not to send me anything and to send it to the front office. She then told me her boss misinterpreted her and he was sending me {$4800.00}, this included her living expenses. She then asked me to cash that money for her and to send her the remaining amount to her travel agent via XXXX XXXX so that she could get to the US. I deposited her cashiers check into my checking account at Wells Fargo on XX/XX/XXXX. When depositing the check from her boss I asked the teller if the check would take 7 days to clear and she told me it would be clear by the next day. On the XXXX I went to the Wells Fargo in XXXX, AZ ( XXXX XXXX XXXX ) to withdraw the money, around XXXX, and send it to her travel agent. Prior to pulling the money out of my account I asked the teller if the check had cleared and she said yes. She said that she was surprised that it had cleared so fast, but it did. Then I withdrew {$4200.00} in cash to send to the travel agent via XXXX XXXX at XXXX. Then on XX/XX/XXXX I checked my Wells Fargo account to see that I was in the hole {$3300.00} in my checking account and that my savings account has been depleted. I originally had {$1400.00} in my checking and {$170.00} in my savings. Wells Fargo then said that the check should have been held until XX/XX/XXXX because there may be insufficient funds in the account of the person who sent me the check. When I told them the story all they did was put a fraud hold on my account and required me to pay the difference. I was told that if I do not start payments on the debt that was against me by XX/XX/XXXX then I would be sent to collections. I also involved the XXXX XXXX XXXX but they were of no help. In the end I had to take out a loan of {$5000.00} from XXXX  XXXX XXXX to pay off the debt and then closed my Wells Fargo 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 2023-07-12 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
XXXX XXXX last XXXX SSN XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Customer Relations : This letter is in reference to a late payment with the account I have with your company Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
XXXX am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AUSSRQ Holdings, LLC
State: PA

Complaint narrative:
I do not have any knowledge of this debt or company. I never had an agreement with said company. I have disputed and this continues to come back as accurate without providing me any verification of the debt and where it came from. I have disputed on all credit bureaus with the same response. I have been receiving mail from lawyers stating I am being sued yet I did not receive any notification of this lawsuit nor did I receive verification of this being a debt that I owe. I have reached out and was threatened with further collections and the amount on this collection has increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
once again Citibank fraud department froze my card bc I called to set up my PIN. 

Once again, they can NOT send a pin to my phone number, never fixed. 

XXXX I don't know how they stay in business. 

Once I am done with the card, I will cancel it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed this account with XXXX XXXX XXXX XXXX back in late may that appeared to have been opened without my knowledge or consent. I am deeply concerned about the fraudulently activity associated with it. I have also contacted the major credit bureaus about placing a fraud alert on my credit file and I will be freezing my credit to prevent any further unauthorized accounts from being opened in my name. I would like to emphasize that I have never applied for or authorized the opening of this credit card account with this company. It is clear that this account was established as a result of identity theft, and I am eager to resolve this matter promptly.

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 2023-07-12 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: PA

Complaint narrative:
I noticed this account with XXXX XXXX XXXX XXXX back in late may that appeared to have been opened without my knowledge or consent. I am deeply concerned about the fraudulently activity associated with it. I have also contacted the major credit bureaus about placing a fraud alert on my credit file and I will be freezing my credit to prevent any further unauthorized accounts from being opened in my name. I would like to emphasize that I have never applied for or authorized the opening of this credit card account with this company. It is clear that this account was established as a result of identity theft, and I am eager to resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: NC

Complaint narrative:
FOR THE LAST XXXX YEARS I HAVE RECEIVED A BILL FROM MERIDIAN FINANCIAL SERVICE A COLLECTION COMPANY WITH A DEMAND FOR PAYMENT IN THE THOUSANDS. I HAD TO PAY THE BILL IN XXXX BEAUSE THEY SENT THE BILL TO THE CREDIT REPORTING AGENCY WHICH LOWER MY CREDIT SCORE. EACH MONTH XXXX DOLLARS WAS ADDED WHEN I DID NOT PAY. 

THIS YEAR THE BILL HAS CHARGES FOR LATE FEES {$930.00}, AND AS OF XX/XX/XXXX I OWE XXXX. HOWEVER, DURING THE YEAR, I HAVE NOT RECEIVED ONE BILL. THE COMPANY IS XXXX XXXX XXXX XXXX. 

SINCE A BILL WAS NOT SENT TO MY ADDRESS. I AM ASSUMING THAT THIS COMPANY IS HOLDING THE BILL SO THAT IT CAN ACCUMULATE LATE FEES AND OTHER CHARGES. I HAVE XXXX BILLS THAT I PAY MONTHLY AND THEY ARE PAID100 % ON TIME. AS IS NORMAL, I GET A STATEMENT EACH MONTH FROM THESE COMPANIES TELLING ME HOW MUCH I OWE AND WHEN IT IS DUE. WHEN I RECEIVED THIS COLLECTION LETTER THIS MONTH, I CONTACTED THE COLLECTION FOR INFORMATION ABOUT WHY I DID NOT RECEIVE A MONTHLY BILL AND I HAVE NOT RECEIVED AN ANSWER FROM THEM. 

SO IF A BILL IS OWED, LEGALLY, A MONTHLY STATEMENT MUST BE SENT OUT TO THE CUSTOMER. I HAVE NEVER IN THE XXXX YEARS RECEIVED A MONTHLY BILL FROM THIS BUSINESS. 

I WANT A DETAILED BILL FROM THE 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 2023-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I was called saying I owe a debt to a payday loan center for XXXX dollars from 2015 This is outside the statue of limitations for Arizona. I have never been notified about this debt until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We have a small towing business and we used a credit card that was suggested from a bank member. Every month we made payment on this credit card since we see the balance on the personal account. We never had the statement on this credit card and to our knowledge the credit card was getting pay every month. After a year and half we got suspicious since the balance on the credit card didnt match our expenses so we called them and find out the the credit cards we paid was collecting a balance every month them were charging us fee. By the time we find out this problem our credit card balance was XXXX and had a financial charge of {$6000.00}. So I called them and I also wen to the bank and them were able to remove three months of financing charge, but my fees and all this troubles can be avoided since them never send us a statement or a phone call or anything. The business account was open on the 2009 and them confirm that we didnt log in on this account since 2009 since all the payment and activities was checked from our personal account. We work so hard to help people every day in all kind of conditions since we do XXXX XXXX  and this banks keep adding fees to our credit card balance with no mercy. We had to use all our saving to pay off the credit card balance since we cant afford to get anymore fees. This is not right. This is ugly. And the top of that the customer service when you call them are so cold people with no mercy for them customers.

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 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I pay my own taxes and mortgage insurance, but last year the mortgage company started writing me to say they are paying my taxes and then tacking it onto the end of my loan at 5 1/2 % interest. They opened an escrow account which is not authorized by my loan documents. I had to prove that I had paid the taxes and demanded that they close the escrow account. So they closed the escrow account but kept the money added to the principal balance of the loan. So I called and complained again because they are still taking {$10.00} out every month for taxes and insurance. Theyre reply was that they did not add that to my regular monthly payments. So they must think Im XXXX or something because I said Im sitting here looking at my mortgage loan documents and You have added it to the principal balance at 5 1/2 % interest. They want to make sure that I never pay this off because they keep adding money to the principal balance every month, they only admit they add {$10.00} to the principal balance allegedly for insurance and taxes, that I pay separately and directly to the companies. Now I have no idea how much money they have added to my principal balance every month because they would add the taxes in the insurance and not tell me then I wouldnt know it because they close the escrow account except that the principal balance doesnt change that much every month like it supposed to, according to my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TX

Complaint narrative:
I have unknown accounts that needs to be looked into and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have asked XXXX, XXXX, and Equifax to reinvestigate the following account. XXXX XXXX XXXX - Account # XXXX. However, they stated that everything was completed and accurate. How is that possible if the status of the account is reporting Account Charged Off/Never Late, with {$1700.00} written off and {$1800.00} past due is incorrect? In addition, reporting the account late monthly on a Charged Off Account. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 USC 1681 Section 602 A : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : States a Consumer Reporting Agency can not furnish a without 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 1681s-2 ( a ) ( 1 ) : States a person shall not furnish any information relating to consumer to any Consumer Reporting Agency if the person knows and/or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2022 a charge of {$4600.00} from XXXX XXXX  was noticed on my TD bank N.A. credit card.I contested with cc co.case # XXXX after investigation said I am responsible for charge.I filed a police report # XXXX, and no billing or video was found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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 Fair Credit Reporting act XXXX XXXX XXXX Account # 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.

I will be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ), Violation of the Fare Credit Reporting Act including but not limited to section 623-b ) Depending on your response I may be detailing any issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Attorney General 's Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
MOHELA/DEPT OF ED Balance {$13000.00} Balance updated XXXX XXXX, XXXX I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 
XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX  {$210.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} 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 non-monetary relief