vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
tonight they called at XXXX and XXXX. this is almost a daily occurrence. most of the time they let it ring twice and hang up not giving me time to answer. i have told them before to stop calling me. also requested a letter of my debt and never received it. most of this was covered by a financial assistance and this company offered no help to solve these issues. it is harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am filing this report against Mercedes Benz Financial Services because they are filing with the credit report inaccurate information. This financial institution has been reporting a delinquency to the credit report despite me giving them my payments on time without any delays. I'm a very punctual person that makes their payments on time always and despite this fact they are claiming that they have conducted an " investigation '' and they are concluding that the delinquency is valid. In addition, they hung up the phone on me multiple times and claimed they will not remove the delinquency to protect their brand. Their brand is not of my concern because they made the error and they need to fix it. If my payment was processed by them on time I'm not supposed to be held responsible for their shortcomings. Therefore, this issue needs to be resolved and the payment that I made on time must be reported correctly. Just because they are Mercedes Benz and they have a high reputation in the automotive industry does not give them the exception to treat consumers like garbage. I make all my payments on time and they can not bring their reputation to avoid responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Bank sent me an application denial letter. This is 2 of 3 attempts to open a banking account in my name fraudulently. Ally Bank did not open an account because they could not verify identity. I did not request an account from Ally Bank.

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 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Applied for credit card after divorce. Provided information they requested, including balance transfer amount. They approved me, then sent a letter after they opened the account saying that they couldn't transfer the full amount- which was the only reason for opening the card. Should have been asked if I wanted to open the account anyway, but they just did it. When I called and discussed assets, they wouldn't consider assets not held at Bank of America because they couldn't verify them. Account should have never been opened since they couldn't do what I was asking for. 
Spoke with XXXX in Arizona on XX/XX/2022.

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 2022-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
hello Back in XXXX i decided to close my credit cards ( capital one, XXXX XXXX, XXXX ). 
things went smoothly and just fine The only issue happened with capital one. 
After I paid and the customer rep confirmed payment ( i was using my XXXX XXXX bank debit card and there was sufficient balance ). 
after XXXX months they sent me a statement that payment didn't happen and i owe them an amount plus interest. 
I called them and i refused paying interest for the reason ( they willingly didn't process payment nor send me monthly statements in order to accumulate interests and fees toward my balance ). secondly what happened is not supposed to be a matter of mistake as the rep confirmed payment. He supposedly got an immediate response from the network about that??? 
They insisted on getting interest and fees and i refused to pay them. i end up saying to them am leaving the country and am not sure when i will be back however am willing to pay them right now for the amount am paying when i called to close my card, finally they agree and i paid them immediately. 
yet they obscured my credit score and am not able to get my credit score nor other companies.

i remember i was in good standing with my credit overall and am supposed to be having a credit score as I am debt free and i paid off all my cards.

They dint wan na lend me they are free and am not willing to deal with them again anyway but preventing me from having a credit score and seizing my access to other lenders is completely wrong. 

Thank you for taking the time to read my message

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a credit account under a open end computer credit plan as late for any purpose. 

American Honda Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Without solicitation a credit card was mailed to me from American Express

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: WA

Complaint narrative:
I have been the victim of identity theft. My wife and I both have been swept up in what seems like one data breach after another. I have previously reported similar incidents in the past that involve utility companies in the XXXX XXXX United States. XXXX XXXX  and XXXX XXXX companies are what I remember and this incident again involves XXXX XXXX. This debt is {$650.00} Creditor : XXXXXXXX XXXX Reference # : XXXX Date of Service : XX/XX/2020 Service For : XXXX XXXX XXXX PIN # XXXX The collection agency has been made aware by me that they, AGAIN have been defrauded by a person/s using my social security number. 
The collection agency is ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX My wife and I have never lived anywhere other than the State of Washington, we have no Rental Holdings XXXX We do have residential history and XXXX XXXX XXXX XXXX that encompass the last 30 years and refute this debt. 

I have reported this incident to our local law enforcement agency, XXXX XXXX Sheriffs Department. 
The Citizen Report with tracking number XXXX has been processed. 

The formal report has been processed and filed with the XXXX XXXX Sheriff Department under incident number : XXXX. 
( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 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: PA

Complaint narrative:
I tried to apply for a car and my credit was ran multiple times to lenders that I did not authorize to use. PLEASE REMOVE XXXXXXXX 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

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 2022-09-27 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: GA

Complaint narrative:
I have disputed this account various times for fraud and various inaccuracies on my report. This company has violated my rights under 15 USC Code 1681i and continue to illegally report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: GA

Complaint narrative:
I have disputed this account various times for fraud and various inaccuracies on my report. This company has violated my rights under 15 USC Code 1681i and continue to illegally report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: NV

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. 

The following accounts have violated my rights. 

Account name : XXXX XXXX XXXX 
Account numberXXXX Open balance : {$450.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account numberXXXX Open balance : {$750.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX  XXXXXXXX Phone XXXX XXXX Account name : XXXX XXXX Account numberXXXX Open balance : {$330.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Phone : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : 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 items of information, other than the 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 an accurate.

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 2022-09-27 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-09-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX transactions were made through a ATM that I never did. I have called the XXXX department of Bank of America but they refused to refund my money that I thought it was secure with them. The bank response is that it was my card the one that was used when I never used those locations. Today they told me my case is closed and they are keeping the money that we worked so hard to get.

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 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
BSI, at our request, closed the escrow component of our mortgage payment and we agreed to pay our taxes and insurance separately, sending to BSI a monthly payment of {$2100.00} ( principal and interest only ). BSI confirmed this in writing twice, on XXXX XX/XX/2022 and XXXX XX/XX/2022. Notwithstanding this, BSI paid property taxes of {$3300.00} to XXXX XXXX XXXX on our behalf, and without our knowledge, on XXXX XX/XX/2022. XXXX then demanded an increase to our monthly payment of {$270.00} effective XXXX XX/XX/2022 ( see notice dated XXXX XX/XX/2022 from XXXX to us. ) However, the XXXX XXXX XXXX XXXX refunded {$3300.00} to BSI on XXXX XX/XX/2022, meaning there was, and is, no reason for the {$270.00} increase to our mortgage payment. Put differently, BSI is now double dipping, having received a refund from XXXX XXXX for the property taxes it paid, while continuing to get {$270.00} from us each month. BSI was made whole on XXXX XX/XX/2022 and is now seeking to enrich itself by way of an increased monthly payment from us, the accumulated amount of which must be refunded to us by BSI immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Regarding Equifax Credit Bureau, my reported score dropped XXXX POINTS on XX/XX/22 with no significant changes to my history except XXXX balance DECREASING on credit account. I have had no recent hard inquiries on my credit, no dramatic balance increases, and no reported collections or late payments. XXXX XXXX XXXX both have not reflected this change, and despite signing up for a personal account WITH Equifax on XX/XX/22 for a closer look, there is no further information to be found. I find this unacceptable that there has been such a huge drop in ratings, especially with Equifax 's history of incorrect credit reporting in the past according to the national news reports. This is the SECOND complaint I have filed for unjustified changes in the last XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Creditor Name MIDLAND CREDIT MANAGEMEN Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Responsibility Individual Condition Derogatory Original Balance {$370.00} Balance {$370.00} Date Opened XX/XX/2022 Date Reported XX/XX/2022 Remarks Account information disputed by consumer, meets FCRA requirements fraud account need to be removed off credit report profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: IN

Complaint narrative:
Hi i was getting back to the debt i had to pay which is {$630.00} from my XXXX account. I would not be able to pay that right now because i am not working so i would have to hold off on that for a minute until im working and have a chance to pay it but i dont know why i have to pay it because people was sending me money i think last year so then they start requesting the money back like months ago then not to long ago they cancel the request from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX Someone called me and pretended to be a us bank employee and said that there are three pending charges via XXXX and they were wondering if I authorized those. I said no and we went through the process to reverse them only to find out that that person was taking my money. Three transfers totaling {$3400.00}.

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 2022-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft, I have XXXX knowledge of these collection medical bills.

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 2022-09-27 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: FL

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. XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: PA

Complaint narrative:
I tried to apply for a car and my credit was ran multiple times to lenders that I did not authorize to use. PLEASE REMOVE XXXXXXXX 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

Company response to consumer: Closed with explanation