vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I received a phone call from XXXX XXXX XXXX Consolidation they were attorneys and had filed a lawsuit against me and threatening wage garnishment and that they were contacting my employer regarding a 10 year old debt they stated was from an XXXX XXXX XXXX that I have never received any communication or notices about. I told them to stop calling, emailing or threatening me and they still continued to contact me. I am reporting them and their tactics. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX XXXX aka XXXX XXXX  XXXX aka XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

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 2022-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check for {$80000.00} on Monday, XX/XX/XXXX with Wells Fargo. I have been a customer of theirs for almost 40 years and have never had a problem with deposits. I have around this amount or more in my various accounts on and off for the past 5 years. The bank placed a hold on the check. I called 2 days later on Wednesday and spoke to an agent. She told me that the hold was placed to verify funds were available, to which I informed her that the money is out of a HELOC and there would be no problem. The agent told me that if I called back on Monday, XX/XX/XXXX they would be able to lift the hold. When I called on Monday, they told me that the amount was such a large amount that they were not going to lift the hold until Wednesday, XX/XX/XXXX. 

9 days is not reasonable. I have workers I need to pay that will charge me late payments as a result of this. This is a violation of the Expedited Funds Availability Act of XXXX as it goes well past the maximum 6 business days mentioned in the law, nor do they have any reasonable reason for holding the money after verifying accounts are available. Wells Fargo also did not mention to me any hold policies they might have within the past year and possibly longer to my recollection.

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 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On or about XX/XX/2021, I made a purchase at the Home Depot store in XXXX XXXX, Michigan, during the purchase the Cashier inquired as to whether I would like to open a new HD card and save a percentage of the bill. I agreed even though I've had a HD card for years Last four numbers ( XXXX ). Subsequently, I paid the remaining balance of {$21.00}. HD states the payment was misapplied to the old account wherein, according to HD the new account ending in ( XXXX ) should have received the payment of {$21.00}. 
Per the documents attached you'll find that once HD realized the mistake, they moved the {$21.00} payment to the New Account and proceeded to charge me Late Fees that now amount to {$140.00}. I've spoken with at least 4 different at HD whose Financial Credit Services are managed by Citi Bank to no avail. I owe HD nothing, my payment was made early, however, HD " misapplied '' the payment and charge costumers late fees?

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 2022-03-14 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: GA

Complaint narrative:
There is a late mark on my credit report from XXXX XXXX XXXX. I have never been late and I am requesting that you remove the late marks off of my credit report immediately. I have tried to reconcile with Equifax. They have customer service agents that can not understand English and will not remove inaccuracies from my credit file. I have followed the appropriate steps. The CFPB should audit my disputes and credit file to see the measures been taken and the fact that Equifax will not assist me. This is hindering me from getting housing and other banking products. I feel it is discrimination because of my XXXX  and XXXX that I explained to them I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: IL

Complaint narrative:
I am a victim of Equifax data breach and I currently have 2 fraudulent credit card ccounts from XXXX bank and XXXX bank showing on my Equifax credit report. I will attach my FTC report, Affidavit of truth notarized, my dispute letters, my identity documentation, and proof that XXXX has deleted these same two accounts last month. XXXX and XXXX has complied with the law and have removed these inaccurate accounts but Equifax is blatantly disregarding the law and refusing to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: WY

Complaint narrative:
I have a collection on my credit report identified as XXXX  funding. This account was transferred to a company called XXXX  and later to a company referred to as XXXX. In the process of buying my home we attempted to pay this debt and contacted all three companies and were told my file did not exsist. We did dispute the account with all XXXX credit bureaus with all XXXX saying the debt was valid. We disputed XXXX times asking for proof of debt for information on how the debt was validated and got no response from on bureau other than the debt was valid. To close on the mortgage our lender said the debt must be paid so under direction of XXXX  they said the debt would be deleted from my credit report once a check was sent to a company called XXXX. XXXX did provide us with a file number after multiple phone calls. After waiting for a significant amount of time we called XXXX  to see when this trade line would be removed from my account their response was we cant find that fine so we dont know what happened to the check and we dont know how to have it removed. Therefore we have paid a debt with an agreement to have it removed from our credit report asked yo have the debt validated along with XXXX others on our report and not a single one to this day has been validated by a single person we have requested this from. So we are requesting this trade line that has been paid be removed immediately and the XXXX others that they can not validate be removed as well.

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 2022-03-14 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I have a collection on my credit report identified as XXXX XXXX. This account was transferred to a company called XXXX  and later to a company referred to as XXXX. In the process of buying my home we attempted to pay this debt and contacted all three companies and were told my file did not exsist. We did dispute the account with all XXXX  credit bureaus with all three saying the debt was valid. We disputed three times asking for proof of debt for information on how the debt was validated and got no response from on bureau other than the debt was valid. To close on the mortgage our lender said the debt must be paid so under direction of XXXX  they said the debt would be deleted from my credit report once a check was sent to a company called XXXX. XXXX did provide us with a file number after multiple phone calls. After waiting for a significant amount of time we called XXXX  to see when this trade line would be removed from my account their response was we cant find that fine so we dont know what happened to the check and we dont know how to have it removed. Therefore we have paid a debt with an agreement to have it removed from our credit report asked yo have the debt validated along with XXXX others on our report and not a single one to this day has been validated by a single person we have requested this from. So we are requesting this trade line that has been paid be removed immediately and the XXXX others that they can not validate be removed as well.

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 2022-03-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX XXXX aka XXXXXXXX XXXX  XXXX aka XXXXXXXX XXXX XXXXXXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

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 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
I received a statement from Jacob Law Group , PLLC stating there a debt collector and trying to collect on a debt that I owe. This law firm claims I had an account with XXXX XXXX Bank, XXXX. the original creditor. Now, stating I owe money to XXXX XXXX XXXX. I disputed all claims that Jacob Law Group , PLLC within my 30 days. I have also reported this account to the Federal Trade Commission and spoke with my local XXXX XXXX office in regard to Jacob Law Group , PLLC. I have included all correspondence for your review along with a copy of my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I XXXX XXXX XXXX SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A SBA LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
All my monthly payments of my HSBC credit card balance have not been showing anymore since my credit report dated XX/XX/XXXX ( complete HSBC payments - attached ). They have desappeared from the today report dated XX/XX/XXXX ( missing HSBC payments - attached ). This transmission and/or publication issue has happened various times along the year XXXX as reported in the XXXX and XXXX complaints XXXX. This used to be fixed but for only a temporary period and the issue has come again after one or to two months time. My HSBC XXXX payments and my good standing with zero past due since XXXX disappears which is very prejudicial and is resulting in repetitive adverse letters when asking for other credit card. XXXX says I should have more cards to raise my XXXX score but they just impedes that same process. Attached are the XXXX report showing the right data and on the opposite the XXXX report with a blank section for my HSBC XXXX. Attached are also the HSBC card statements of XXXX and XXXX which should be reflected in the XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Synovus Bank
State: OH

Complaint narrative:
XXXX XX/XX/2021 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
UCB Collections has been reporting to my credit report that I owe them a debit that has not been verified after multiple attempts to verify the debt. There is no debt owed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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 have been XXXX in the XXXX XXXX XXXX XXXX from XXXX until the present date. I have no knowledge of this account or an address that is listed on my report. This account and my personal information should be thoroughly be investigated and the information removed from my record. 

Account : XXXX XXXX A Reported : XXXX. XXXX, XXXX - {$330.00} Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: IL

Complaint narrative:
It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX XXXX XXXX aka XXXXXXXX XXXX XXXX aka XXXXXXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

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 2022-03-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX XXXX aka XXXXXXXX XXXX XXXX aka XXXXXXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

Company response to consumer: Closed with explanation