vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA

Complaint narrative:
XXXX XXXX is attempting to collect {$830.00} from me for services at XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX for dates XX/XX/XXXX - XX/XX/XXXX. 
I do not live in XXXX XXXX, Nevada. I live in California and have lived here all of my life. 
Berlin Wheeler , Inc. is the Collection agency. 
There has never been an attempt to collect this money from me. I just happened to check my credit score which was over XXXX before these collections showed up on my credit report. 
I am a XXXX XXXX XXXX and have been for almost 4 years in the state of California. I run my business from XXXX XXXX. I have had a background check every year for the last 4 years. All background checks show California as my residence.

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 2022-07-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These inquiries are unauthorized and i want them removed immediately XXXX XXXX XXXX XXXX, and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: IN

Complaint narrative:
Upon reviewing my credit profile, I noticed three inquiries on my Transunion credit report that I do not recognize. The three inquiries are as follows : XXXXXXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 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 2022-07-27 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: EOS Holdings, Inc.
State: MD

Complaint narrative:
I am filling a complaint against EOS CCA debt collector for my XXXX account. I contacted EOS CCA on XX/XX/22. The full balance of the account was {$1300.00}. I was granted a settlement to pay 60 % of the balance. I paid {$820.00}. I was provided a confirmation number XXXX. I received an account settled in full letter on XX/XX/22 from EOS CCA. The letter indicated that I paid the amount agreed to settle the account and their records show a {$0.00} balance. They have reported to all 3 credit bureaus that I have a XXXX balance. I requested for the debt to be removed and deleted, since the account has been paid. I spoke with XXXX a supervisor with EOS CCA. They are unwilling to remove/delete the balances from credit reports after the debt has been paid. I'm relocating to GA and trying to purchase a home. EOS CCA collection item on my credit report has been paid and should be removed from my credit report. I have requested other debt to be removed from my credit report once it was paid. Within 30days those items were removed. Due to the debt still showing on my credit report, it is causing injury to myself and my family. Even though it shows paid and I have a settlement letter, it still appears as a collection. This appears unfavorable. I feel my rights are being violated. This is a unfair practice and is negatively impacting me. I would like this reported and be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a cashier 's check to my Bank of America account, and noticed a hold was still in place two days later, even though it was a cashier 's check drawn on a reputable XXXX bank- XXXX Bank. I contacted Bank of America customer service and was told the hold could not be released. I escalated my request, and was told the hold could not be released. I was told " a cashier 's check is considered more risky. '' I asked, " more risky than what? It's a check drawn from the funds of a bank. '' The representative said " more risky than a regular check from a checking account. '' Though I explained the nature of a cashier 's check, the representative was unable to do more that repeat her statement. 

In addition, the check was for under {$5000.00} and I have hundreds of thousands on deposit at Bank of America. 

Bank of America is fraudulently claiming these funds are " risky '' so that they can hold the funds and collect interest on them in the interim. I understand risk of fraud, but they know these funds are guaranteed, or certainly have the power to find out two days after a counter deposit. Banking clients should be the ones collecting interest on our own funds- especially when they are clearly guaranteed by a banking institution, not Bank of America. They are hiding behind a veil of policies that are actually a money-making scheme. 

This should be investigated.

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 2022-07-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the FCRA, the credit bureaus never did a proper investigation. 

In accordance with the Fair Credit Reporting act, my rights have violate by the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Hello, I was using the MoneyGram service a few times and it was always a huge problem to get money from them.

It takes days, sometimes weeks to get the money.

Even the senders are suffering to get it back. 
The internet and their XXXX page are full of complaints and XXXX is suing them now. 
Here is the article about it https : XXXX? XXXX My parents sent me money from XXXX because I lost my job and can't pay rent. 
It is urgent. 
And they are not giving me money trying every possible way not to give it to me. 
Now they want my not XXXX speaking step-dad to call them from XXXX to fix the problem. 
But problem was created by them. 
I checked this morning about money availability and their webpage said go get it. 
I went. 
And there is a XXXX. 
I have a screenshot of their answer that I've got the money and can get it at any location. 

Because it is not the first time, I checked their XXXX page and it is full of complaints and swearing bout their service. 
They are con-artists indeed. 

Please, help. 

My family is loosing apartment and has to go on the XXXX  with XXXX years old daughter. 
I need my money back. 

Thank you for helping. 

Best. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent letters to TransUnion was on XX/XX/XXXX, XXXX and l Haven't received any response from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. These are the Summary of the Negative accounts reporting on my Credit Report XXXX XXXX XXXXXXXX Balance {$73000.00} XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX Balance {$17000.00} XXXX  XXXX Bankruptcy XXXX Dismissed XXXX  XXXX Bankruptcy XXXX Dismissed XXXX  XXXX Bankruptcy XXXX Dismissed

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 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXXXXXX XXXX XXXX  Account Number : XXXX Bal : {$310.00} 3. XXXX XXXX XXXX XXXX  Account Number : XXXX Bal {$5300.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

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 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX XXXX I contacted your company informed you guys that it was personal information on my report that did not belong to me you told me submit FTC report okay so I have attached that to this complaint I really need you guys to remove this inaccurate information for me thanks These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy This is Correct information below please update First in last name only : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report.

Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove XXXX XXXX XXXX XXXX XXXX Illinois XXXX - XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please promptly remove all other names in addresses these other forms of my name in address are not correct historical data.Therefore, They must be removed please send me update showing address deleted thanks

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 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXXXXXX XXXX XXXX  Account Number : XXXX Bal : {$310.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

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 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
i deposited a check from XXXX XXXX for which they helped a tenant and was told that this company could not be verified but yet they still took my {$4200.00} and said they could not verify. Well why cash a check you cant verify. they then told me i had 2 options which was to have a accountant from XXXX XXXX to come to chase or have there bank request the funds back, once i got XXXX XXXX to request the funds Chase shady tail turned around and said no thats not a option anymore your only option is to have a Accountant from that company to come in. How is this legal how can a bank say they cant verify your check but turn around cash your chk????? this has to be illegal. I AM SOMEBODY. Chase has treated me like trash and i will not let up till i get help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$310.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I sent to Toyota Motor Credit Corp a billing error notice on XX/XX/2022 evidenced by tracking number XXXX XXXX XXXX XXXX XXXX. Toyota Motor Credit Corp never responded to the billing error and 2 complete billing cycles went by and consequently Toyota Motor Credit Corp forfeited the amount indicated in the error. However, Toyota Motor Credit Corp repossessed my vehicle and ultimately violated Federal Consumer Law. Toyota Motor Credit Corp is defined as a covered person that engages in offering and providing consumer financial products and services to Consumers consequently, they are amenable to Federal Consumer Law and It is unlawful for any covered person to offer or provide to a consumer any financial product or service not in conformity with Federal consumer financial law, or otherwise commit any act or omission in violation of a Federal consumer financial law ; or to engage in any unfair, deceptive, or abusive act or practice. The act to repossess my vehicle is an unfair act because it causes substantial injury in the form of monetary harm to the consumer and is likely to cause substantial injury in the form of monetary harm and cause the consumer to be victim to further use of abusive, deceptive, and unfair debt collection practices by debt collectors which is not reasonably avoidable by the consumer. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Said substantial injuries are not outweighed by countervailing benefits to the consumer or to competition. The act to repossess my vehicle is an abusive act as it takes unreasonable advantage of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the consumer financial products and services. or takes unreasonable advantage of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service, the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service, or the reasonable reliance by the consumer on a covered person to act in the interests of the consumer. Ultimately Toyota Motor Credit Corp has violated Federal Consumer Law and pursuant to 15 U.S. Code 1666 ( e ), Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION
State: PA

Complaint narrative:
I was 100 % misled during the application phase of my two student loans with Sallie Mae. All of my other student loans are Federal and none are Private. They misled me to believing that I was applying for a Federal loan and servicing through Sallie Mae. I do not qualify for any of the programs offered by the Federal Government due to their misrepresentation of the application process and advertising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
Old National Bank took over First Midwest Bank earlier in the month. I have literally spend 2-3 hours on hold. Customer service does not exist. Today 's hold as of now XXXX hour and XXXX minutes! My XXXX account was put on hold. I am unable to pay for my kids housing at college, due tomorrow! All three will now be late and I will be penalized. I went to local branch to resolve, the manager could not??? I have NEVER talked with any customer service person at Old National Bank. It is now approaching XXXX and I see they close at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Aldous & Associates contacted me via Letter XX/XX/2022 stating that they were attempting to collect a debt, telling me that i owe which is an allegation. The language they used was threatening and forceful stating they would report this negative account on my credit report causing adverse effects to my credit, this is a violation of 15 usc 1692 d stating they have no right to harass, or bully me into paying an alleged debt. They spoke of a contract but neither was provided for me because i never signed a contract with XXXX XXXX nor gave permission to report, furnish or collect anything in my name. Written instruction or permission is required to share my information with Aldous & Assoc Pursuant to 15 usc 1692c ( b ), which i never them permission to contact me in collection with any debt. Also, not only was there no initial communication before sending this letter Pursuant to 15 usc 1692 g ( a ) but the letter that was sent didn't disclose any of the required information about the Original Creditor required to even constitute debt collection Pursuant 15 usc 1692 g ( a ) 1-5. It is clear Aldous & Associates is in clear violation of the FDCPA and has violated my consumer protected rights. They are civilly liable up to {$1000.00} each violation Pursuant to 15 usc 1692 k & I will be expecting a check of {$4000.00} for all 4 Violations.

Company response to consumer: Closed with explanation