vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Celentano, Stadtmauer & Walentowicz, LLP
State: NJ

Complaint narrative:
The law firm of Celentano, Stadtmauer, Walentowitcz, LLP ( " debt collector '' ) has continued to notify me by mail about a medical debt that is incorrectly directed to me ( XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX ), as I am not the primary account holder or member name of the group medical insurance policy associated with the false claim, and the claim is baseless as the insurance provider ( XXXX XXXX XXXX XXXX ) paid the agreed upon rate for this claim, and the hospital ( XXXX XXXX XXXXXXXX XXXX ) is simply abusing the billing process and adding additional out of pocket costs to my family. 

I have attempted to contact XXXX XXXX XXXXXXXX numerous times via phone about this claim to dispute it, but their customer support lines have wait times over over an hour in most cases. 

I have had email communications with XXXX XXXX XXXX at the above mentioned debt collector, last being XX/XX/2023, explaining the incorrect nature of the two claims ( incorrect person as the member name ( account holder ) of the insurance, and the excess charge for agreed upon rates already collected ). The information and documentation provided by the debt collector clearly shows the discrepancy in the member name as the primary account holder with XXXX, XXXX XXXXXXXX ). 

On XX/XX/2023, I received another postal letter from the debt collector, saying a lawsuit will be filed against me no earlier than XX/XX/2023 in regards to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aargon Agency, Inc.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are several incorrect Accounts on my consumer report. I contacted the XXXX Credit Bureaus about it and it was said that the information is correct and i should contact the XXXX. I did and had no resolve about the issue. I was asked to contact the bureaus about it. On several attempts I was sent back and forth without any resolve of this issue. 

I contend that a charge-off is deemed an income and should not be reported on the credit report as a debt.

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 2023-06-11 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: CT

Complaint narrative:
There are several incorrect Accounts on my consumer report. I contacted the XXXX Credit Bureaus about it and it was said that the information is correct and i should contact the XXXX. I did and had no resolve about the issue. I was asked to contact the bureaus about it. On several attempts I was sent back and forth without any resolve of this issue. 

I contend that a charge-off is deemed an income and should not be reported on the credit report as a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC.
State: LA

Complaint narrative:
I am reaching out to request the deletion and removal of the accounts and associated information from my consumer report. I insist that the mentioned accounts and information should not be included in my consumer report, as it constitutes a clear violation of both the FDCPA and FCRA regulations. It is imperative that these accounts and information are promptly eliminated from my consumer report, as their presence violates multiple laws. I urge you to take immediate action to remove these accounts and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I became knowledgeable that my credit score had dropped significantly from a XXXX card bill which I received- I called XXXX to find out why - My credit is perfect and I don't carry any balances on credit cards- They advised me that Citi card had a $ XXXX plus balance which was derogatory and advised me to call them- so I did- I opened an investigation with them after learning that a card was opened in XX/XX/XXXX- I did not apply for a Citi card in XX/XX/XXXX- I never heard back from Citi - about thirty days later I called XXXX again because I had made a compliant about the fraud account, they advised me that Citibank declarer that it was my account. This is untrue. I called Citibank again. 
The first compliant was on XX/XX/XXXX & the second one on XX/XX/XXXX- they said they will investigate it. I'm getting nowhere with them, they are useless, there consumer help line you only talk to people who struggle with English, don't care what you have to say and don't resolve anything. 
What I have learned so far is that the charges were made in Florida, where I don't live, I never received a bill or notice from Citibank related to the charges. Its a fraud account or stolen account - The charges are not mine. 
This should be easy to investigate - I asked them where are the bills going, they wouldn't answer. I need it resolved immediately Its is stolen, fraud whatever you want to call it- Citibank is making it impossible for me to resolve, cant talk to anyone with a any expertise in these matters just incompetent people who are the furthest thing from helpful or concerned.

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 2023-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
XX/XX/XXXX, XXXX overdraft my checking account for coffee and breakfast which put my account negative XXXX dollars and change. I was short a XXXX for a medication my insurance is not covering so I have no choice but to overdraft the XXXX dollars. So XX/XX/XXXX my account is negative XXXX and some change. XX/XX/XXXX XXXX account is XXXX. It's unfair that the bank is charging me extra XXXX dollars for overdraft fees. XXXX the fee down so they can charge for extended overdraft fees. Key Bank is unfair and the employees are rude I understand that overdrafting is my fault but my health is my priority. I have made better arrangements for this issue don't happen anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a CD with BMO XXXX Bank online. I transferred {$200000.00} into a CD. I wanted to make it a joint account with my wife. The bank told me that they would send my wife an email link to be added as a joint account holder. They sent the email and it said it had to be completed within 10 days. We tried to complete the link at least 12x on different days. It never worked. We called the bank 4x and spoke to customer service. They told us that they could not add my wife to the account but that they would submit a " ticket '' and have someone call us to fix the problem. No one ever called. I then tried to cancel the CD but they would not allow me. During the last call they told me to just add my wife as a beneficiary. I am entitled to have my wife as a joint account holder to avoid estate problems. And was also entitled to cancel my CD when they could not provide the services that they agreed to provide. The bank took my money, refuses to refund it and refuses to add my wife as a joint account holder. Each time that I call back, the new customer service agent does not see any notes from the former customer service agent, meaning that the agents are merely talking to us, hanging up and taking no steps to fix the problem. The bank is engaging in fraudulent soliciting activities to get money.

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 2023-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for credit with XXXX XXXX. The letter of denial stated that one of the reasons for denial was too many credit inquiries. XXXX XXXX pulled my credit from Experian. After checking my Experian credit file, I noticed several inquiries that were either there by mistake or weren't authorized. The following are inquiries that were just repeat mistakes/errors : XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX The only authorized XXXX inquiry was on XX/XX/XXXX. 

The next unauthorized inquiry was by XXXX XXXX XXXXXXXX  on XX/XX/XXXX. Here, I was signed into my existing XXXX XXXX credit card account and a pop-up appeared offering me more credit with no harm to my credit file. I pressed the button, but recently realized that it now appears as a hard inquiry, not soft. This was specifically unauthorized. 

The next inquiry is one I simply don't even recognize and surely didn't authorize. 
It's labeled Experian Business Cred on my credit report. I don't even know what that is, hence it wasn't authorized. 

Lastly, XXXX on XX/XX/XXXX was not authorized. I have this credit card and I never asked for a credit increase. This seems to be a simple mistake. 

I pulled my Experian file online and Experian said I needed to call them to dispute inquiries. When I called Experian on XX/XX/XXXX to dispute the inquiries, they refused to investigate and told me to call the credit company to dispute it with them directly. When I called XXXX, they told me to call Experian because they are the credit reporting company and they need to remove it. When I called XXXX XXXXXXXX XXXX, they couldn't explain why I had an inquiry. When I called XXXX, I was transferred to several different departments and never got a resolution.

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 2023-06-11 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: NY

Complaint narrative:
I have viewed my consumer report account XXXX # XXXX and noticed that your company is in violation of law under 15 usc 1681 b- permissible purposes of the consumer report The Law clearly states subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? 
Furthermore 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a credit report clearly states : ( a ) EXCLUSIONS-Except as provided in paragraph ( 3 ) the term consumer report does not include - ( A ) subsection 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report : Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Also inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs to be removed from report .I did not give written instructions or authorize this account on my report! This is violation of 15 USC 1681 b

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
Lexis Nexis, XXXX XXXX and XXXX is violating my federally protected rights and reporting misleading information I have not given them permissible purpose to use my furnish my private personal information also The CIVIL COURT OF THE CITY OF NEW YORK - KINGS BRANCH Did not furnish the information therefore it can not be verified as accurate stating that the information is verified is fraud and misleading and is a violation of federal Law. instead you infringe upon my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/23 I tried to submit payment in order to use my American Express card. I used the chat function as Ive done in the past. I initiated the chat around XXXX. It was XXXX minutes and no agent joined the chat. So I sent feedback to the company online describing how long its taking to get an agent. I also checked that phone had the latest version installed and theres no issues with my XXXX browser which is how I accessed the chat. I was not using an app. I changed the password for the site as well then logged back in. I then tried to start another chat around XXXX. My several chats disappeared and the company sent chats making it seem like I never responded to their messages, which wasnt true. When I tried to get confirmation for payment and the timing it would post they changed the amount. I declined the whole transaction. I asked if it was an advanced persistent threat. This wasnt the first time Ive had issues with chat. I took screenshots of the issue. I sent the screenshots to the American Express XXXX account. The account states a response within a business day yet Ive never received any response to my messages. In addition, as soon as I sent feedback to the online site, the people who reside next door to me started chatting about my issue. Ive sent police and several states and XXXX agencies complaints about being monitored electronically by XXXX born individuals. The XXXX harassment and stalking I endure makes it feel like trafficking. I believe this is trafficking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This company put a credit card on my credit report a charge off and sold it to a collection agency. This company goes by XXXX difference names and putting them on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX access card XXXX. XXXX they sold it to Resurgent Acquisitions LLC and LVNV Funding and all are on my credit report. IMPROPER USE OF REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: LA

Complaint narrative:
The Creditor XXXX XXXX XXXX is not licensed to collect a debt in the state of Louisiana per the nmls consumer access they are not the collector of a debt that start with XXXX XXXX XXXX the moved to XXXX XXXX XXXX then moved to this office but XXXX XXXX XXXX is reporting negative collections on my credit report when I call number listed on XXXX XXXX XXXX XXXX states they no longer have my file and they can not access my records and I need to call the law office of XXXX XXXX XXXX XXXX. So if this law office has my file how are you legally reporting information to XXXX and TransUnion and how is TransUnion and XXXX verifying a debt that is no longer being reported to your office how was this debt for national credit verified and validated if another collection agency has the same account after reading so many complaints about this law office and national credit system I dont understand how an full investigation on their collection tactics and bad business practices by XXXX XXXXXXXX XXXX and the reporting agencies such as XXXX and TransUnion have be investigated for failure to comply with the FCRA requirements and laws Might I added supporting stated a balance of XXXX when I began to dispute the balance as Inaccurate and incomplete which is violation of 15 usc 1681 questioning why is XXXX they sent a document with added a fee on XX/XX/2022 of XXXX as a collection fee. I also spoke to XXXX XXXX XXXX contact XXXX at XXXX XXXX of XXXX XXXX XXXX pc she supplied me with his email bc she was also confused as where the additional XXXX was added from I sent multiple emails on my concerns and there was no response i later called back and she was very unconcerned and ready to Release the calls when I pointed out the violation of the FCRA laws bc it was time for them To leave for XXXX  Day weekend instead of attempting to Right what has been done wrong to my rights to a fair and complete and accurate credit report Per the XXXX consumer access website

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