vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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: U.S. BANCORP
State: NM

Complaint narrative:
On the XXXX of XX/XX/2021, a Fraudulent transaction of XXXX {$43.00} on my US Bank Credit Card XXXX XXXX XXXX XXXX, was made. 

I did not know about this transaction, but US Bank started charging me a Late Fee and Interest. I had contacted them in XX/XX/2021 when I got to know there was a balance left on my card and explained to the US Bank that this was a fraud transaction. 

US Bank has agreed this is a Fraud transaction, and they have removed the late fee, interest, and balance on this card. 

But, by this time, it negatively affected my credit report as they considered these transactions as of late payments. 

US Bank suggested I dispute this with the credit bureaus. I have done as they told me, and now US Bank did not clarify the bureaus about these fraud transactions, and they have closed my account without even informing me.

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 2022-03-03 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: FL

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. PFC USA has several accounts listed on my credit Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed my account in XX/XX/2021 following the instructions given to me by Citibank. For two months my balance was XXXX. Then they started charging both a monthly fee and an overdraft fee each time they charged a monthly fee. Ive used chat multiple times to explain that my account was closed in XX/XX/2021. Each time the representative apologized and explained they would reverse the fees and close the account. But that hasnt happened. Today I got a threatening call saying I owed over {$150.00} in fees for this account- all the fees are for monthly account fees and overdraft 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 monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV FUNDING LLC has an alleged debt listed on my credit report I don't have a contract with this company at all. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

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

Complaint narrative:
I disputed the unverified, unvalidated, and inaccurate XXXX XXXX Credit Card numerous of time most recent XX/XX/2022. The account keep coming back verified with none of the requested information provided i.e. original contract or correction in inaccurate and incomplete payment history. I have exercise my rights according to the FCRA.

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 2022-03-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Recovery Solutions, LLC
State: WA

Complaint narrative:
Got what I thought was scam calls turned out to be another collection agency on or around the XXXX of XXXX. I called ARS solutions who had the debt. They claimed they called and left voicemail but when I called t mobile to check and look at my phone records and voicemail nothing from them. I called back to ask why they didn't send an email notification or letter about the issue. They claim they couldn't reach me via phone from end of XXXX to XXXX. They where rude and unwilling to provide any proof. Not only did there lack of communication cause me financial stress but emotional stress. I suffer from XXXX and the way this company works does not fall under the WA state fair debt collection. They failed to give me proper notifications. Had they sent an email or letter about payment issue as I checked my bank and have no declined transactions from the times they claim. Now a new company that has it wants {$1200.00} down and XXXX a month. My payments to ARS where {$150.00} as I support my wife and daughter. As you can see now I either have to come up with that or settle for {$26000.00}. Both of which I can not do because of my income. Hopefully I can work something out with this other company. ARS really did nothing to notify me about any issue with my account and could care less when I was asking questions to clarify what happened on there end. Agian no letter, missed calls or voicemail left on my phone which is the proper way to notify. I have always been willing to work with them until they did this. The person I spoke to from ARS about this said they have multiple numbers they call from so she couldn't give me a specific number. I have two of probably a dozen numbers they have so it's already hard to contact them with the correct number let alone department. Extremely unprofessional and agressive. I had planned to settle the debt with ARS solutions at the end of the year but now I'm starting over agian.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT IS LISTING AN ALLEDGED DEBT ON MY CREDIT AND I DONT HAVE A CONTRACT WITH THEM AT ALL OR KNOW WHO THEY ARE. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Someone in California has been hacking me I don't know how it is but my money cards and social security has to continue to be frozen if it's any opposite of what I'm putting it's not me ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Velocity Portfolio Group
State: CO

Complaint narrative:
I paid a collection from CKS Financial on XX/XX/XXXX for the amount of {$210.00}. During my conversation with one of the agents, I was told that if I paid the amount, the collection would be removed from my credit report. It looks like a mark from CKS was later added in XXXX of XXXX after a payment of {$210.00} was made. I have tried to contact CKS Financial but they will not return my calls or email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I am being blocked from wiring funds from my account. I have complained about this previously to Wells Fargo and received a form letter telling me how to wire funds TO my account! I complained to cfpb and eventually received a letter from WF saying I was restricted to wiring {$75000.00} in 30 days, no waiver allowed. I did that but now it has been more than 30 days and I am being blocked from transferring ANY funds. As WF knows I can not go to my local branch, I am in XXXX. My name is XXXX XXXX. My phone is XXXX XXXX XXXX XXXX. This is URGENT. I believe this is RETALIATION by Wells Fargo for my previous complaint.

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 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through.

Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

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 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: OneMain Finance Corporation
State: MD

Complaint narrative:
Hard Inqury on my XXXX I do not have a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: CA

Complaint narrative:
XXXX XXXX at Onetrust Home Loans pulled my credit without my authorization. Never spoke with him. Never interacted with any of his team members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I received an inquiry on XX/XX/2022 on my credit report from a data specialist company. After contacting them, I was informed that the inquiry was requested by Rocket Mortgage. I missed a call earlier in the day but have not spoken to anyone from Rocket Mortgage, nor have I consented to a credit inquiry. This is a fraudulent, unauthorized request which may prevent me from obtaining financing from lenders. I've reached out to Rocket Mortgage directly but I was told there is nobody available to take my call and they are not accepting messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TX

Complaint narrative:
On XXXX/XXXX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Self Financial Inc.
State: TX

Complaint narrative:
I paid my Self-Financial credit card account-XXXX off and received verification that my account was closed on XX/XX/XXXX and I would receive a payout of {$220.00} via XXXX XXXX XXXX on XX/XX/XXXX. 
On XX/XX/XXXX I received an itemized break down from Self-Financial and was informed " the payout is what you paid in less the interest on the loan and any fees to date. '' Here is the itemized breakdown of the payout : Total Paid {$580.00} Total Interest - {$44.00} Returned Payment fee ( s ) - {$0.00} Late Fee ( s ) - {$17.00} Early CD Withdrawal Fee Accrued CD Interest - {$0.00} + {$0.00} Self Visa Credit Card Deposit ( if applicable ) - {$300.00} Payout Owed {$220.00} After receiving my payout, I was assured the account was closed. 
Unbegnknownst to me, In early XX/XX/XXXX I became aware the account was still active and accruing interest in addition to late fees upon receiving a notification from my credit monitoring report. 
The worst part is that self-financial reported the account that had been previously closed to the credit bureaus, negatively impacting my credit report on false records. This is ironic, as Self-Financial literally advertises that the company will boost your credit score. 

I would like the outcome to be that my all late fees are credited back to my payment account on file XXXX and that the false information be removed from my credit report as Self-Financial has negatively impacted my ability to obtain new credit. 
I have tried working with the company several times and even requested a goodwill letter for the sake of my credit, but even the goodwill letter request was denied, although I did nothing wrong as the account was paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Got what I thought was scam calls turned out to be another collection agency on or around the XXXX of XXXX. I called XXXX solutions who had the debt. They claimed they called and left voicemail but when I called XXXX XXXX to check and look at my phone records and voicemail nothing from them. I called back to ask why they didn't send an email notification or letter about the issue. They claim they couldn't reach me via phone from end of XXXX to XXXX. They where rude and unwilling to provide any proof. Not only did there lack of communication cause me financial stress but emotional stress. I suffer from XXXX and the way this company works does not fall under the WA state fair debt collection. They failed to give me proper notifications. Had they sent an email or letter about payment issue as I checked my bank and have no declined transactions from the times they claim. Now a new company that has it wants {$1200.00} down and XXXX a month. My payments to XXXX where {$150.00} as I support my wife and daughter. As you can see now I either have to come up with that or settle for {$26000.00}. Both of which I can not do because of my income. Hopefully I can work something out with this other company. XXXX really did nothing to notify me about any issue with my account and could care less when I was asking questions to clarify what happened on there end. Agian no letter, missed calls or voicemail left on my phone which is the proper way to notify. I have always been willing to work with them until they did this. The person I spoke to from XXXX about this said they have multiple numbers they call from so she couldn't give me a specific number. I have two of probably a dozen numbers they have so it's already hard to contact them with the correct number let alone department. Extremely unprofessional and agressive. I had planned to settle the debt with XXXX solutions at the end of the year but now I'm starting over agian.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
HARD INQUIRY IS ON MY ACCOUNT I DIDNT GIVE THIS COMPANY PERMISSION TO PULL MY CREDIT.

Company response to consumer: Closed with explanation