vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANKMOBILE TECHNOLOGIES, INC
State: NY

Complaint narrative:
The bank, XXXX XXXX XXXX, and the access to the account through Bank XXXX Mobile stole the money out of my account and sent it to XXXX XXXX XXXX  regardless of me calling them, emailing them, and submitting forms to stop an ACH payment in the amount of {$1600.00} on XX/XX/XXXX. I called the bank immediately the next working business day and notified them of the problem. The stop payment forms were completed online and on XX/XX/XXXX Customer 's bank was informed by phone again that there was a problem with the ACH transaction. Customer 's bank refused to stop the transfer of money over to the XXXX XXXX XXXX, where I had been told I do not have an account, there is not credit card in my name for that amount, and that the account has been closed since XXXX of XXXX and that I do not have the right to ask for access to the account information. When calling XXXXXXXX XXXX XXXX again today, XX/XX/XXXX, the supervisor got on the phone and continued the call as a collection on behalf of XXXX XXXX XXXX. The supervisor from XXXX XXXX XXXX, bank vibe mobile a service for students from the network of colleges continued to collect on behalf of XXXX XXXX and in the interest of XXXX XXXX XXXX  and then used the phone call as a reason to abduct my child, XXXX XXXX who is currently being trafficked in XXXX, NY. Because I did not allow the money to be stolen or the credit card account which I am not allowed to access or know anything further about, that the child will be XXXX and XXXX  and will not be returned home to me at this time. The " customer service representatives '' who are assisting on behalf of XXXX XXXX XXXX  from the college network have stolen the {$1600.00} and refused to stop payment to the unknown 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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I called Transunion on XXXX to retrieve a copy of my Transunion report and they advised me that they could not send a copy of my credit report until I sent in a copy of a utility bill on file with my photo id. I am attaching the letter I sent Transunion along with my driver 's license and utility bill with a request to update my address and remove all other others listed.

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 2022-09-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CO

Complaint narrative:
I have contacted Discover about fraudulent purchases as my card was lost and used on a cross-country trip. It was used at multiple gas stations and other establishments in XXXX, XXXX, XXXX, XXXX, and even XXXX. I contacted Discover and informed them of these purchases, they did shut down my other card and issued me a new card. Now they are saying there were no fraudulent purchases, but I have never been cross country or even to Iowa, Wisconsin, MN, NE, Illinois, and other states. Someone used my card and unlike their commercials which say if you didn't make the purchases you would not have to pay, but yet here they sent me a letter stating there were no fraudulent purchases and that I am responsible for the other balance on the card, which they added and has increased my overall debt and reduced my credit score. They also changed my account information so I do not have the prior account information to even see what to list on here. I did explain there were some authorized purchases as I used it over XXXX and online since I had my card number. I explained how someone continued to access my account and change my number and address, along with my password, and username.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was involved in a scam where I lost over {$8000.00} to a fake landlord. I had wired over {$4000.00} to the fake account unknowing that it was a scam. I moved across the country and found out that the apartment I was supposed to move into was completely fraud and had someone else living in it and wasnt actually for rent at all. I asked Truist to do a wire recall on XX/XX/15 which they attempted but couldnt get any money back. They closed my bank account for investigation and then sent me a letter five days later saying that they would not give me any money back because the transfers were authorized and therefore it wasnt fraud. I tried to explain that I had no idea that this was a fraudulent company but they would not budge in their decision. Ive received no money back for something that wasnt my fault.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed dispute # XXXX on XX/XX/XXXX with XXXX requesting the late payments reported by Dept of EducationXXXX which are currently reporting 15 late payments be removed whereas they are in violation of the Fair Credit Reporting Act Pursuant to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) ( A ) ( i ) Exclusion and such experiences are to be excluded from consumer reports. Further that are past the states of limitation in NY which is 3 years. Likewise a closed Child Support Enforcement item is reporting late payments on a closed account in violation of the same citations stated supra. These action are being deliberately perpetuated due to exclusionary and predatory anti competitive actions of my business competitor XXXX XXXX XXXX in their plot to keep me from financing my newly established company XXXX XXXX. and is currently subject to XXXX XXXX number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently in the financing and planning stages and negotiating with XXXX a non profit organization that provides Start ups with resources and SBA guaranteed financing. They refuse to move the items to ruin my ability to secure necessary financing. I requested validation of these item and a full description of all employees contacted and whom certified these items in accordance with FCRA section 611 ( a ) ( 7 ) after the initial 30 day investigation requesting reinvestigation which was to be completed within 15 days and I was to receive Notice of The Result pursuant to FCRA 611 ( a ) ( 6 ) however no results have been provided although I have requested them repeatedly by phone. These items must be removed from my account immediately in accordance with FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One for their gross incompetence in handling a claim following a dispute over a payment of service that was cancelled over a fraudulent intent of the merchant. I reported this claim to Capital One back in XX/XX/2022 that this Merchant deceitfully hide information regarding their policy by misinformation. Capital One then requested that I provide proof of cancellation and date of cancellation ( see attached email ). Instead of capital one addressing the dispute in furtherance to the proof I provided on the cancelation date and proof of cancellation done over 400 days before the proposed service by the merchant, Capital still went ahead to make a decision on the claim in favor of the fraudulent merchant based on the fine print from the Merchant which contained information contrary to information given to me by the teachers at my XXXX XXXX for whom the merchant deceitfully went through to deceive parents like me to enroll in the first place. The Merchant XXXX XXXX is nothing but a fraud, and Capital one is collaborating with a fraudulent company over a cancelled service 400 days in advance to rob a customers finance that they ( Capital One ) were set up as a financial institution with an obligation to protect their own customers. I am totally disappointed with Capital One bank, and to think that I banked with them for 12 years only to receive such betrayal from them is complete disheartening. They have shown that they dont know what they are doing. They should do the right thing in protecting their customers finances from a fraudulently intent company like XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: DE

Complaint narrative:
To Whom it may concern ; Good day, I have an issue with your Organization constantly placing inaccurate information on my Consumer Report. I Found out about the latest inaccuracy TODAY XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great EXTENT! As a result, I was discriminated against and refused the A HOME LOAN! 
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

This organization has officially been put on NOTICE! Im letting you know that I never gave consent to this report being furnished by you on my behalf and Im also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected! 

There is no such law written anywhere that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Your organization neither exercised any of its responsibilities with fairness and impartiality nor PROTECTED MY RIGHT TO PRIVACY! 

I DEMAND you give me a piece of evidence that the information which is being reported has been properly investigated. Also provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 


letter attached has been Sent in the mail 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 explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
XXXX continues to contact through other mediums after receiving my cease and desist. 
I have also requested now three times for an audit trail and all documentary evidence for account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: DE

Complaint narrative:
To Whom it may concern ; Good day, I have an issue with your Organization constantly placing inaccurate information on my Consumer Report. I Found out about the latest inaccuracy TODAY XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great EXTENT! As a result, I was discriminated against and refused the A HOME LOAN! 
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

This organization has officially been put on NOTICE! Im letting you know that I never gave consent to this report being furnished by you on my behalf and Im also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected! 

There is no such law written anywhere that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Your organization neither exercised any of its responsibilities with fairness and impartiality nor PROTECTED MY RIGHT TO PRIVACY! 

I DEMAND you give me a piece of evidence that the information which is being reported has been properly investigated. Also provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 


letter attached has been Sent in the mail 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 explanation
Consumer complaint received 2022-09-23 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: DE

Complaint narrative:
To Whom it may concern ; Good day, I have an issue with your Organization constantly placing inaccurate information on my Consumer Report. I Found out about the latest inaccuracy TODAY XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great EXTENT! As a result, I was discriminated against and refused the A HOME LOAN! 
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

This organization has officially been put on NOTICE! Im letting you know that I never gave consent to this report being furnished by you on my behalf and Im also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected!

There is no such law written anywhere that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Your organization neither exercised any of its responsibilities with fairness and impartiality nor PROTECTED MY RIGHT TO PRIVACY! 

I DEMAND you give me a piece of evidence that the information which is being reported has been properly investigated. Also provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 


letter attached has been Sent in the mail as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am writing a follow up letter for the accountsXXXX. 
XXXX and on XX/XX/2022 I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( ARS ACCOUNT RESOLUTI, INPHYNET CONTRACTING SRV LLC-Original creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! 
Since you have failed to respond, I assume that you have been unable to validate the debt, so I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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:
Hello good day, I have a notification from Experian app stating that XXXX XXXX  pulled my report and I checked what occurred to be an unauthorized inquiry on the Experian report. 
This occurred on XX/XX/2022. 

I've already spoken with Experian Credit Bureau to work on this issue as well as XXXX XXXX  to resolve these actions.

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 2022-09-23 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: CA

Complaint narrative:
XX/XX/2022. The CRA also known as Equifax mailed us a report that our payments from XXXX XXXX XXXX are late. We never gave consent to this service nor to XXXX XXXX XXXX the ability to report late payments without our consent. Both parties need to send me a XXXX XXXX, in order to produce or assemble any of my information. They began reporting late payments in XXXX, 2022 through XXXX, 2022. Each monthly payment of {$510.00}. Also, Since I never gave written XXXX form or other authorization means, this should also fall into fraudulent activity. 

15 U.S. Code 1681b Permissible purpose of consumer reports Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or 3486 of title 18. 

XXXX XXXX contract is being cancelled by my lawyers at XXXX XXXX XXXX XXXX XXXX. They are being cancelled for many reasons, one of them is misrepresentation of the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My elderly XXXX had a Citi XXXX card. She wanted to collect XXXX XXXX as points with large purchases. I moved to help prepare and continue caregiving for her. I used the card, letting her know, for my moving and storage costs. I paid a portion of the bill and she then asked me to start to pay her directly because she is in dispute with Citi. Instead, Citi keeps reporting this card on my account. I have written XXXX letters, responded to a request via handwritten form mailed as well as have called, with my mother in the room. I've called several times. The XXXX XXXX says my name is not associated with the account. The account shows up on ALL my Credit Reports. I am trying to buy a Home as I am a student and need stability. This is preventing me from using XXXX XXXX assistance programs and has forced me to miss out on home purchasing while the interest rates were lower. My credit was stellar prior to this. This is an act beyond norm as I have also been harassed and investigated, without reason, by them. They are interested in taking over my mother 's assets as well. All of it is unfair, unjust and I've tolerated enough. The Citi Legal Dispute team for Credit Issues located in XXXX XXXX has not responded nor have the individuals. My Credit report was just run again today and still shows the issue. They confirmed removal in XXXX, XXXX and XXXX of 2022. I checked again and a mortgage lender tried and found issues still. By XX/XX/2022 the issue still existed and I wrote a follow up letter. My credit score has gone down another XXXX points since. This is such a blatant attempt to try to put stress on an already stressed family dealing with illness, loss, elder care issues and racism. Please assist. 

Thanks! S.I.R.

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