vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Pursuant to 15 usc 1692 C ( 2 ) I am invoking my specified remedy as a consumer and the original creditor I am demanding all accounts be removed from third party agencies because I have a right to privacy the agreement was between XXXX parties not any of the agencies that have my personal information on a website this is my right given by fair credit act PLEASE REMOVE FROM ALL AGENCIES IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management- IS not licensed to practice debt collection in the State of California . Midland Credit Management has listed their debt collection license as pending as of XXXX It appears that they have been convicted and accused for unfair debt collection practices by consumers. I received a summons from them although they are being investigated for FRAUD. Midland Credit Management also functions as Midland XXXX XXXX which is a direct violation of the FCDPA- False and misleading deceptive practices. The process server from Midland Credit Management sent to my home walked around my house and spoke to my neighbor regarding debt. Process server refused to identify herself and called repeated after leaving my home. This summons does not have a true bill attached. Payments and charges are not listed. I had insurance on this account also, which was ignored. I have found at least 20 FDCPA violations in their complaint. This company is disgusting and should never be allowed to exist on this planet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Follow up of complaint XXXX, BOA sent me an email and asked me to call back to solve the issue. I called back XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX extension XXXX C : XXXX Nobody on the phone so I left message for my phone to ask the person to call back, but till now nobody called back. Most ridiculous is that I already told them that is the fraud account on XX/XX/22, however, BOA kept on sending me ad email about the fake account. 
I think the business just irresponsibly to fraud and identity theft even when the customer told them there was a fraud account being open. 

I attached those advertisements email for fraud 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 non-monetary relief
Consumer complaint received 2023-01-19 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: 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 U.S.C 1681. 

XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX XXXX ACCT XXXX XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXXXXX, ACCT XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2023-01-19 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 U.S.C 1681. 

XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, ACCT # XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX XXXX XXXXXXXX, ACCT XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX, Arvest bank headquartered in XXXX XXXX  allowed the illegal seizure of my property to a business and did not follow due process safe guards of my property. Arvest bank did not inform me with the legal documents that gave them authority to seizure my assets. There was no warrant in place from a court of proper jurisdiction that has been signed by a judge and sealed by the clerk of the courts. I asked repeatedly for the documentation and they can not provide the legal documentation. The XXXX of the department refused to communicate with me on this matter. 

THE WAGES OF EVERY EMPLOYEE IS THEIR PROPERTY PROTECTED BY THE 4TH AMENDMENT THIS IS AN UNDISPUTED FACT AND ANY LAW IN VIOLATION OF THIS FACT IS UNCONSTITUTIONAL AND WILL NEVER HOLD UP IN COURT FOR LOWER COURT DECISIONS MUST BE IN ACCORDANCE WITH THE SUPREME COURT OF THE UNITED STATES [ Coppage v. Kansas, 236 U.S. 1 ( 1915 ) ] IT IS PROHIBITED UNDER DUE PROCESS OF LAW AND EQUAL PROTECTION OF LAW UNDER THE 4TH AND 5TH AMENDMENTS FOR AN BANK TO ACCEPT INCOME OR WAGE GARNISHMENTS AS WARRANTS SENT BY A COMMERCIAL DEBT COLLECTOR CHILD SUPPORT ENFORCMENT AGENCY THAT IS NOT AUTHORIZED TO ISSUE WARRANTS.

A WARRANT MUST ORIGINATE FROM A COURT OF COMPETENT JURISDICTION WITHIN THE JUDICIARY BRANCH OF GOVERNMENT AND NOT FROM A STATE OR GOVERNMENT AGENCY WITHIN EXECUTIVE BRANCH OF GOVERNMENT WHICH IS A CLEAR VIOLATION OF THE SEPARATION OF POWERS DOCTRINE WHEREBY THE ALLEGED GARNISHMENT ORDERS ARE INCOMPLETE WRITTEN INSTRUMENTS OR FORGERIES AND CAN NOT UNDER ANY CIRCUMSTANCES DEPRIVE EMPLOYEE A MAN ; A LIVING AND BREATHING SOUL, A CREATION WITH ENDOWED RIGHTS FROM HIS CREATOR : AN AMERICAN XXXX XXXX XXXX INALIENABLE RIGHTS TO PROPERTY AS PROTECTED BY THE UNITED STATES CONSTITUTION BILL OF RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: FL

Complaint narrative:
XXXX Bank claims I had a card XXXX. I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.

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 2023-01-19 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: FL

Complaint narrative:
XXXX Bank claims I had a card XXXX. I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: FL

Complaint narrative:
XXXX Bank claims I had a card XXXX I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.

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 2023-01-19 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I rented a car from XXXX  rental car on XX/XX/2022 and my credit card was charged {$860.00}. When I turned the car in on XX/XX/2022 my credit card was charged again for {$870.00}. The original invoice shows that the charge of {$860.00} was supposed to cover the rental period so the charge on XX/XX/2022 was a double charge for the same transaction. Chase Freedom Credit Card refused to resolve this matter. I rented with XXXX on XX/XX/2022 and my original invoice of {$940.00} was charged on XX/XX/2022. When I returned the car on XX/XX/2022 I did not receive a emailed invoice but another charge of {$1100.00} so again I was charged more than double for a rental car. Then on XX/XX/2022 I rented a car from XXXX and was charged {$950.00} on XX/XX/2022. When I turned that car in I finally realized that they had been charging me double because the charge of {$950.00} still remained on my credit card and then I received an additional charge of {$1100.00} on XX/XX/2022. In total I was only supposed to be charged {$860.00} + {$940.00} + $ XXXX {$1100.00} =. XXXX  Rental Car charged me {$7800.00}. Chase Freedom Credit Card claims department did not resolve this issue and in essence allowed XXXX to charge me a extra {$3900.00} fraudelently. These " ghosts '' charges would show up on my credit card account and increase my balance and then disappear without my balance going back down. I was adding cash on the credit card every time I rented a car to match the total cost of the car. You can also see that on the last transaction of XX/XX/2022 for {$1100.00} was for the same car that they charged me {$950.00} for on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am the new Secretary/Treasurer of XXXX XXXX XXXX. I am currently trying to obtain statements showing the XX/XX/2022 and XX/XX/2022 value of CDs held by Truist ( formerly Sun Trust Bank ). I tried to find these on the online banking application, but the system would not return any documents. 

I called the bank XXXX to try to obtain statements on XX/XX/2022, the first call was at XXXX XXXX. The XXXX time I called, the person on the phone told me that they don't have statements for CDs. I reviewed my predecessor 's statements for the calendar year and can not find any statement regarding the value of CDs. 

After speaking with my predecessor and conducting online research on what kinds of records banks should be keeping, I decided to call back at XXXX XXXX. I spoke with XXXX person who gave me the accrued interest, but was unable to tell me the principal of the CD at the beginning of 2022. I said that information was no help because the online banking only tells me the current value of the asset. There is no way for me to audit any of this information provided to me online. I was then transferred to some investment specialist who told me they can't help, but would transfer me back to banking. The investment specialist put me on hold and then said that there is an error in their system and I need to go to a branch. 

This is unreasonable as I live in Massachusetts and the nearest branch is in New Jersey. I don't know why they can not provide documents to me. I have full access to the bank account. Truist generally provides poor service, people at the branches are unable to assist, and seem unknowledgeable. 

I don't know why Truist can not put all this information on a consolidated statement. Looking through a year 's worth of statements, Truist has changed the way they report information.

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 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
We chose to pay down our mortgage in XXXX over several months, principal amount was {$45000.00} in XX/XX/XXXX. On the XX/XX/XXXX statement, our principal was {$710.00}, so we paid that amount, even though our monthly payments were {$870.00}. Meanwhile, the payoff statement sent from XXXX was incorrect, so we requested a new one. The new closing statement sent had a XXXX  day window to send a wire to pay off, however, we were out of the country, so when we finally saw it, it was too late. We called XXXX for a new one, which we never received so we ordered XXXX online, received that and wired the amount to close out the loan. 
Back to our last payment of {$710.00}, for the total amount outstanding on the loan : XXXX sent that back in the form of a check, then charged us late fees for non-payment of our mortgage. XXXX then reported us to credit as having not paid our mortgage payment when all the while we were trying to work with XXXX  to correct the disputed payoff statement and pay that. 
BSI has told us on XXXX separate occasions that they will refund us the late fees totaling {$87.00} associated with not making a monthly payment. So far nothing. 
I submitted a request that they report to credit that our payment wasn't missed. I was told they will " consider '' it. 
In summary : 1. There was a failure by XXXX  to submit to us an accurate payoff statement 2. While our payoff statement was in dispute, XXXX charged us late fees, reported us to credit, saying that we didn't pay the Payoff Statement amount in XXXX  days. 
3. We now have a non-payment of mortgage on our credit, which XXXX " might consider '' reversing, and paid late fees which we didn't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to BoA with POA papers that state I am the POA for my husband. 
My need was to withdraw from his account. I need money to private pay for XXXX XXXX for him in a XXXXXXXX XXXX. 
The bank rep I spoke to said he had to take my request to a review team. 
The review team rejected my request and the bank rep said it had to escalated to higher review team. 
This all occurred on XX/XX/2023. 
The next day, XX/XX/, I returned to the bank with medical records to confirm my husband 's need for a POA to handle his banking affairs. 
He has a diagnosis of onset XXXX and other multiple issues. I also provided the bank a current medication list that has him on end of life meds. 
On XX/XX/ I called the bank to find out the status of my request. 
A rep said my request is still under review and would take at least a week before I would know anything. 
My husband will need to enter a XXXXXXXX XXXX in the next few days. 
At this point I will need to draw from money for my daily expenses because the bank is sitting on his money. 
The bank rep knows my predicament. I believe it is reprehensible for this bank to continue withholding my husbands funds from me. Their concern over potential fraud has overtaken their reasonableness. They are treating customers like criminals. 
I want my husbands money released to me ASAP.

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 2023-01-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The latest credit report I have is from XX/XX/XXXX, so if any more were added after that, they are fraudulent as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-19 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: 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 U.S.C 1681. 

XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2023-01-19 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: DISCOVER BANK
State: FL

Complaint narrative:
I'm XXXX and I have never had a Discover card. I have repeatedly disputed this account and Discover keeps " verifying '' it. Additionally, Discover is not allowing me to opt-out of third party sharing. That's a violation of US privacy law. I want to opt out every way possible.

Company response to consumer: Closed with explanation