vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a Wells Fargo Bank customer since XXXX, I hold two accounts with them ( checking and savings ), this year I received a letter dated XX/XX/XXXX indicating that I need to provide explanation about an inconsistency between my passport and citizenship in order to avoid closure on the accounts. I am a XXXX  citizen and a U.S. Legal Permanent Resident with legal domicile in the U.S. ; My passport clearly states that I am XXXX, by mistake Wells Fargo enters my citizenship in their system as U.S. Citizen and that generates the inconsistency. 

On XX/XX/XXXX, I approach my branch in order to sort the issue by presenting all the required documents, the banks representative XXXX XXXX XXXX updates the information and assures that everything has been clarified and proceeds to issue a written conformity of my visit that day. 

On XX/XX/XXXX Wells Fargo closes both of my accounts based on a non-compliance on their customer ID policy ( CIP ) and leaves me without access to the only money I have. I do not have credit cards nor accounts with other banks. I am currently unemployed and the only source of income is the savings that I have on both accounts. 
On XX/XX/XXXX I approach my branch to request explanation and the branch XXXX XXXX XXXX XXXX recognizes bank error due to the fact that I was able to clarify the issue back on XX/XX/XXXX. 

Immediately, another bank representative, XXXX XXXX XXXX issues a request to reopen both accounts and provides me with a personalized letter indicating that the accounts were closed by the bank in order to present to my creditors ( landlord and other bills ). The branch XXXX, XXXX XXXX orders to open a complaint case on my behalf that reaches their resolution department on XX/XX/XXXX. 

The case reaches bank XXXX XXXX XXXX XXXX in the resolution department, he communicates that it can take up to 10 business days or more to investigate my case, later and after several calls from the branch Manager trying to expedite the resolution. 
On XX/XX/XXXX, my case is transferred to XXXX XXXX XXXX a resolution department XXXX, she indicates through email that my case will be resolved by XX/XX/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 2022-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
I do not recall giving permission to XXXX XXXX to release my medical information to a third party. Medical services rendered are not equal to fees charged in the amount of {$2000.00}. This issue was inquired about and disputed in XX/XX/2022. Dispute was closed with none of my inquiries being addressed. 


Please provide a breakdown of fees including any and all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to the third party

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is a reported address on my credit report that doesnt belong to me. 
The address reported is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I have never lived in California, and I have never even stepped foot in California. 
Therefore someone in California was fraudulently using my name and information to gain credit in California. 
Please remove the fraudulent address from my credit report. And find out if somebody used my information in California. 
You can contact me at XXXX thank you.

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 2022-09-04 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: NV

Complaint narrative:
in accordance with the Fair Credit Reporting Act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Atlanticus Services Corporation
State: NC

Complaint narrative:
XXXX, XX/XX/2022. XXXX $ I called company told them I was Very XXXX and was out of work, I would do what I could but pls dont put dilquent payment on my report,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
XXXX XXXX you are in violation of XXXX XXXX XXXX due to not VALIDATING THE ALLEGED DEBT. 
XXXX XXXX  I respectfully request that your company provides me with competent evidence. 
I am also informing you if your company has or continues to report false information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. 
If any negative mark is found or continues to repost on any of my consumer reports by your company or the company you represent. i will not hesitate in bringing legal action against you and your client for the following : VIOLATION OF THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
MCA management company is contacting about a balance from XXXX XXXX. This amount was paid by my insurance XXXX XXXX. The balance they are attempting to collect is the amount that XXXX XXXX discounts for XXXX XXXX being a participating provider. 

I have called ( don't have record of date ) XXXX XXXX when I received the first bill and sent them a letter on XX/XX/2022. After receiving the collection notice from XXXX, I sent an online email on XX/XX/2022 and mailed the same text and documents to them on that date. I have had no response and received another collection notice. 

I have attached all information, including my letters/email sent and the explanation of benefits from XXXX XXXX  showing I do not owe this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to request several credit inquiries that were unauthorized be removed from my credit report., I received a copy of my credit report and became aware of nine inquiries that I did not authorize. They are as follows : XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX Bank ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.

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 2022-09-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
This is the continuation of the pending complaint. Please add the following request 1. As per the NRS 107.071 statue, Please provide a certified copy of the ORIGINAL PROMISSORY NOTE to prove that Bank of America had orginal promisory note in their possession at ONE POINT IN TIME when Bank of America acquired Countrywide. 

2. What Bank of America has sent me in the past is a photocopy of the photocopy of the promissory note made by XXXX XXXX XXXX XXXX when we signed off our closing on XXXX. This does not serve purpose. The XXXX XXXX XXXX XXXX sent back the orginal promisory note back to Countrywide after closing and made the copy for us where page 1 on the top has a stamp " CERTIFIED TO BE A TRUE AND CORRECT COPY OF THE ORIGINAL " FIRST CENTENNIAL TITLE COMPANY BY : XXXX Please provide a certified copy of the ORIGINAL PROMISSORY NOTE with endorsements as to how NOTE was assigned from Countrwide to Bank of America and from Bank of America to XXXX XXXX XXXX XXXX XXXX XXXX 

If Bank of America fails to comply this specific request about certification of the ORIGINAL PROMISSORY NOTE WITH VALID ENDORSEMENTS and other requests as mentioned in NRS 106.210 and 107.071 statute then we will forward Bank of America response to the Division of Mortgage Lending or the Division of Financial Institutions of the Department of Business and Industry here in Nevada, whichever is appropriate ; Hope this is clear! thanks

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 2022-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have had a XXXX XXXX card for the last 10 years and have been impacted by the Comenity outage. For at least a month from end of XXXX until about XXXX beginning, I was unable to log in or view any of my account information. My card would also periodically decline for no reason at random during the 1st week of outage. This outage was handled absolutely terribly by Comenity and parent Bread Financial and literally no info was given about what happened or timetables. ( There still hasn't been any information provided by the companies other than failed planned maintenance ) They also proceeded to cut and paste insulting, non-informative, unhelpful, canned responses all over their social media outlets in an unethical manner to inquiries from customers. At this same time, they disabled the telephone customer service with no explanation, and it would just disconnect you when calling in for weeks. These responses were seemingly on top of not having proper upgrade release testing and disaster recovery plans in place to prevent or resolve the outage. 

Fast forward to current time in XXXX. The XXXX reward points program that Comenity normally sends daily to XXXX XXXX has been COMPLETELY NON-FUNCTIONAL for almost 3 months. I am owed XXXX points that are stuck in limbo somewhere over this nearly 3 month timespan since the outage. I have received no info about anything except 1 email probably a month or more ago saying " We're working it. '' Credit consumers are part of an industry where credit companies will take any and every reporting opportunity to put black marks on your credit history for paying late one time, closing an account, inquiring about a new account, coughing too loudly, etc... These same credit companies should not be allowed to say or do anything they want without care or worry, have multi month outages, and fail on their obligations to provide services you've entered into agreement with them to provide, with no penalties or explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
Comenity bank deemed two accounts fraud and sent letters stating they would be removed from my credit. This was on XX/XX/XXXX. Nothing has been done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 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: CA

Complaint narrative:
lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX, Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian nor XXXX written permission to furnish these accounts. 
Removed the accounts or look forward to future litigation.thank you. 

Accounts : 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 non-monetary relief
Consumer complaint received 2022-09-05 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Continental Finance Co. XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-09-05 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX deemed two accounts fraud and sent letters stating they would be removed from my credit. This was on XX/XX/XXXX. Nothing has been done

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 2022-09-05 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: NC

Complaint narrative:
XXXX, XX/XX/2022. XXXX $ I called company told them I was Very sick and was out of work, I would do what I could but pls dont put dilquent payment on my report,

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 2022-09-05 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Chime Financial Inc
State: WA

Complaint narrative:
I started using my chime card on XX/XX/2022 when I received my first direct deposit from social security. Then on XX/XX/2022 social security deposited my check for XXXX. It never posted to my account. So, XX/XX/XXXX I called social security and they said that they deposited my money and that chime accepted it and gave me a tracking number. So then I called chime, they wouldn't help me or let me give them the tracking number then hang up on me 3 times. Then the 4th time I finally get someone who is willing to do there job. I gave her the tracking number, and she found it. Told me the amount and said it would be in my account by the end of the day. We'll, that never happened. I call the next day and the person wouldn't take the tracking number at first then did after I begged her to. She then tells me they can't find it and wouldn't give me a supervisor and hung up. How do you go from finding my money one day and then not finding it the very next day? I've never been treated so horrible in my life. Customer service my XXXX. They are thieves and I want to press theft charges. Cuz, they stole from a XXXX person. I even called XXXX XXXX and asked if I could talk to a supervisor or hire and they wouldn't let me. I was told that I'm chimes problem. Something is not right and I'm possitive I'm not the only person they're doing this to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX these accounts have 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 an account without my written instructions. 

XXXX XXXX Date XX/XX/2021 XXXX XXXX XXXX Date XX/XX/2021 XXXX XXXX XXXX  Date XX/XX/2021

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