vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Dear CFPB Consumer Adjustment added to my credit report a collection for XXXX XXXX in the amount XXXX that was already disputed in previous collection with Debt recovery solutions you can reference complaint ID XXXX And XXXX all my proof and documentation is on those complaint IDs including the mistakes and errors and FCRA laws the previous debt collector made this debt should have not been added back to my credit report after it was concluded no proof was provided on the debt collectors part same goes for consumer adjustment who added this collection straight to my credit report without first attempting to contact me first and sending a debt validation letter first and given me 30 days to respond consumer adjustment already violated FCRA laws by not doing those two things they need to remove this account from my credit profile immediately and if they continue to Per-sue this collection they will need to furnish full proof that this account is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/, I received a notice dated XX/XX/XXXX  on a debt in the amount of XXXX from XXXX XXXX XXXX, XXXX representing Pay Pal ( creditor ). I have never used PayPal, nor do I even know what this is for. I have never received anything from PayPal. I am a victim of identity theft and felt compelled to report this to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank cashed a check made out to me and my husband six weeks ago froze our savings account closed our checking account said it was fraudulent for about two weeks. Then said they didnt cash it. then sent a statement showing it in there and never gave us the money back from either! Told us we would never get the money from savings it can only go back to the bank in a harmless bank to bank transfer that peoples has to initiate or the maker of the check. Which peoples wont because citi indeed cashed the check back in XXXX. This has caused a great hardship my husband is on social security and our primary income. Im attaching the letter with documentation of check cashed from peoples and a copy of my statement. I honestly dont know how they are allowed to do this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: VA

Complaint narrative:
On XX/XX/, I received a notice dated XX/XX/XXXX  on a debt in the amount of XXXX from American Coradius International, LLC representing XXXX XXXXl ( creditor ). I have never used XXXX, nor do I even know what this is for. I have never received anything from XXXX. I am a victim of identity theft and felt compelled to report this to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have a debt with Comenity Bank for a XXXX XXXX account related to prior dental work. I am currently past due with my payment and they call me repeatedly every day. Since XX/XX/XXXX, I've received the following calls from Comenity Bank 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 And the day isn't over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2023, Wells Fargo, as Servicer, stated they were unable to issue an escrow refund check for {$250.00}, because more than 30 days lapsed between the date of the Escrow Review Statement, XXXX XXXX, and when the account was brought current, XX/XX/XXXX, XXXX the funds will remain in the escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was released from XXXX  after two years from the XXXX through XX/XX/2023. Opon my release I tried to open a checking account at my previous bank, Wells Fargo. An they told me that there unable to open account. So I tried another bank an the same thing happened. I need a checking account in order to run a business So I tried maybe three more an nobody will work with me. They all point me to some XXXX XXXX  website. An also XXXX XXXX  has an account set up in an email I don't know. ( XXXX ) that's not me. An they wouldn't let me set up an account either. I only applyed for these banks starting from around XX/XX/2023 through XX/XX/2023 anything before that was not me. I've never used credit. Never had a loan. No mortgages. No student loan. Nothing but one checking account from Wells Fargo that was closed due to no transactions being made due to my absence and incarceration. Please help me resolve the situation as soon as possible ..... Thank you for your time I'm greatly appreciated

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 2023-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
Reported : XX/XX/2023. By : Bridgecrest Amount : {$7200.00} Action was : I spoke with company informing them of the fraud and that this debt was not mine.Then they informed me to file a complaint to CFPB.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 15 USC 1681

section 602 A States I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions BANKRUPTCY- XXXX XXXX REMOVED SO I NEED IT GONE ASAP. IF THEY'RE NOT REPORTING WHY ARE YOU???? THEY ALSO STATED THAT BANKRUPCIES IS PUBLIC INFORMATION< ANYONE CAN GET THAT INFO, SO WHY ARE YOU DAMAGING MY REPORT WITH FREE INFORMATION. 
15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany consumer report containing any of the following items of information, Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions BANKRUPTCY- XXXX XXXX REMOVED SO I NEED IT GONE ASAP. IF THEY'RE NOT REPORTING WHY ARE YOU???? THEY ALSO STATED THAT BANKRUPCIES IS PUBLIC INFORMATION< ANYONE CAN GET THAT INFO, SO WHY ARE YOU DAMAGING MY REPORT WITH FREE INFORMATION. 
15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany consumer report containing any of the following items of information, Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 2023-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
XXXX XXXX XXXX  sold our loan to XXXX  bank. Flagstar bank provided notice on XX/XX/XXXX that the transfer date was XX/XX/XXXX. I honestly just received this notice today which is XX/XX/XXXX. I just feel this is some very short notice as my payment was sent to XXXX  XXXX  automatically on XX/XX/XXXX. I believe they are to provide like 15 days notice. Just trying to hold them accountable.

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 2023-09-02 00:00:00
Product: Credit reporting 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: CO

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. 
Account Name .... XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.. 15 u.s.c. 1681 C. ( 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. 1681 S-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 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
In XXXX I applied for a credit card from discover. I got accepted and used it perfectly, never missing a payment and being responsible with it. In XXXX, they notified me that I had to conform my identity by going to a notary and submitting a form. I did exactly that, even though I was working at a XXXX  at the time and it was a major inconvenience to find a notary where I was. I got the paper notarized, and sent it to Discover. Today I get an email saying that my account has been closed because they can't confirm my identity, even though I went to a notary, got the form filled out, and sent it to them. They have permanently closed my account and have done a hard pull on my credit, hurting my credit score. I called them and asked what I can do since it was obviously some sort of error on their end, but they said there is nothing I can do, and they are not even sure what happened. They said that there is nothing that can be done once the card is closed, and that I just have to live with what happened. I am a XXXX XXXX XXXXt simply trying to be responsible with the little bit of money I have, and I am being completely screwed over even though I did everything perfectly and as they asked me to do. I feel that I have been unfairly treated and would like the CFPB to consider investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This company is destroying my credit. I've paid off my debt early and closed account. My credit score was XXXX and now XXXX within a few months. This company is now continuing to send me many offers in which I've declined. I've never had this happen in my entire adult life. Credit being destroyed for paying off early and a " No payment due '' every due date of payment. Employment information is very outdated and incorrect. I'm retired now and being punished for this company 's horrific work ethics. Sad, sad, sad. Thirty years behind on my current employment, home ownership. I've never very been late on any of my bills, loans, credit payments, etc.in my entire adult life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 
( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : 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 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 2023-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: VA

Complaint narrative:
I think i was unlawfully charges interest rates and charge offs with Omni financial. 

The charged me XXXX, XXXX, XXXX prepaid finance charge that and it seems confusing reading about my loan and the repayment I was violated under the MLA and SCRA due to me being the XXXX  and the unlawfully charging me and pulling from my account

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any purpose. 


CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX CAPITAL ONE : ( XXXX - XXXX, XXXX, XXXX, XXXX, XXXX ) CAPITAL ONE : ( XXXX - XXXX, XXXX, XXXX ) CAPITAL ONE : ( XXXX - XXXX ) - XXXX Payments missed reported Different Account CAPITAL ONE : ( XXXX - XXXX, XXXX, XXXX ) - 3 payments missed reported XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  : ( XXXX - XXXX, XXXX ) - 2 payments missed reported XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : ( XXXX XXXX XXXX XXXX - 2 payments missed reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK CHECKING ACCOUNT BALANCE, Ending Amount {$1800.00} XXXXPresent CHASE BANK processed and released my funds making funds available in my account and then took the funds back and blocked my account not allowing me to withdraw the amount of {$1800.00} that was available in my account. 
I Called to request a release of funds Unsuccessful attempts to claim ending balance From CHASE BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2019 I was issued at EDD debit card to Bank of America I soon after I was XXXX  due to a traffic violation I serve time recently coming home I acknowledged that EDD unemployment was making payments to me which is money I earned through Bank of America into my account with somehow or being used unauthorized and fraudulently and pretty much my money was stolen from me throughout those years of being XXXX amount of XXXX approximately was taken from me which was paid to me I did not authorize the charges furthermore there was three debit cards issued to that account after I was gone which I didn't authorize or ask for and my money was stolen from me I asked that you help reinvestigate to see that my money is credits to my account and giving back to me 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 explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 Payments missed reported Different Account XXXX XXXXXXXX : ( XXXX - XXXX, XXXX, XXXX ) - 3 payments missed reported JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX JPMCB - CARD SERVICE : ( XXXX - XXXX, XXXX ) - 2 payments missed reported XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - 2 payments missed reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any purpose. 


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 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 XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA : ( XXXX XXXX XXXX ) BANK OF AMERICA : ( XXXX XXXX XXXX ) - 2 payments missed reported

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 2023-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Scratch Financial, Inc.
State: FL

Complaint narrative:
It has come to my attention that the company, ScratchXXXX Financial Inc., has reported that I owe money and have a signed contract with the organization. However, I must strongly dispute the accuracy of this information, as it is entirely false and misleading. 

I want to make it clear that I do not owe ScratchXXXX Financial Inc. any money, nor do I have any signed contract with the company. It is both inaccurate and unjust for such information to be reflected on my credit report, as it has the potential to harm my creditworthiness and financial reputation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation