vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
My service ended with XXXX XXXX on XXXX XXXX and my XXXX XXXX took over service with a new box on XXXX but at the same location. I was given the box by my adult son XXXX XXXX XXXX and promptly returned it on XXXX XXXXXXXX XXXX after the holiday. Returned in to the XXXX store and was told my account was paid in full. Then in XX/XX/XXXX I received a notice from a collection agency for {$70.00} which I preceded to go to XXXX different XXXX stores to dispute that I did not owe that amount and they were trying to charge me for service from XXXX XXXX XXXX where they were already charging my XXXX XXXX for the same service at the same address. I sent the collection agency all the paperwork and thought it was over but then they turned me over to another collection agency in XX/XX/XXXX and I tried to speak with a supervisor at XXXX and after talking to and explaining to the representative she placed me on hold several times for over XXXX XXXX and then transferred me finally to a supervisor where the phone line rang XXXX times without anyone answering and then the phone went dead. Then preceded to send the same documentation to this agency and thought the matter was resolved. Then XX/XX/XXXX received a letter from the XXXX different agency and tried calling but was ignored and harassed for payment. I've spent numerous hours proving that it is illegal for them to charge XXXX different people for service at the same address, especially since I had not lived there at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: MI

Complaint narrative:
Ive filed a identity theft repost and wrote into the XXXX consumer reporting agencies to block and remove information, but they did not do so. 

The following companies reporting to the Consumer Reporting Agencies DID NOT follow the Opt Out guidelines stated in XXXX Form of opt out notice to consumers ; opt out methods. 

With is a violation of my XXXX Rights, Right To Privacy, and private property being used for public use without just compensation The reporting of these accounts have caused credit applications to be denied and low credit limits offered. This resulted in set backs in my personal family and household necessities. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-11-01 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: MI

Complaint narrative:
Ive filed a identity theft repost and wrote into the XXXX consumer reporting agencies to block and remove information, but they did not do so. 

The following companies reporting to the Consumer Reporting Agencies DID NOT follow the Opt Out guidelines stated in XXXX Form of opt out notice to consumers ; opt out methods. 

With is a violation of my XXXX Rights, Right To Privacy, and private property being used for public use without just compensation The reporting of these accounts have caused credit applications to be denied and low credit limits offered. This resulted in set backs in my personal family and household necessities. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
When requested to receive my XXXX Bank debit card expired XX/XX/22 bank refuses to send it. When prompted for an answer as to why not sent they lie and say it was sent. XXXX XXXX now without my business debit card. Highly inconvenienced seeing I'm a very busy person. I couldn't deposit on the go nor withdraw nor purchase products without it. Next, I couldn't access my online banking and potential loans from loans institutions and good business standing references to loan institutions and XXXX due to XXXX XXXX attached to my business FOR XXXX XXXX. I would file a XXXX over and over to correct it and my bank would not. I would ask them over and over and my Bank would not. I have Been inconvenient and lost out on much growth opportunity for my Business due to my Banks Constant failure towards my company.

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 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ORG GC GP BUYER, LLC
State: MI

Complaint narrative:
This is a formal Notice XXXX XXXX that GC Services Limited Partnership has violated my rights as a Federally Protected Consumer and must provide me with compensation pursuant to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Fair Debt Collection Practices Act and has REFUSED my demand for monetary relief. 

GC Services has failed to address and resolve their violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX arising from their written and oral communication with me. See attached Notarized Affidavit for the specific violations and how GC Services violated me. This matter must be addressed. 

The XXXX and XXXX Notice that GC Services has received illustrates that they may contact me to invoke the specified remedy I have demanded. If GC Services continues to ignore my demand for monetary relief I will seek my remedy through litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Vehicle loan or lease — Loan
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: CA

Complaint narrative:
On about XX/XX/XXXX I discovered that my payment for GM financial had not been applied. I was surprised because I had been up to date until XX/XX/XXXX and was on autopay. As soon as I realized that I had a payment due, I paid it. I've been attempting to find out what happened with my autopay and why I was reported so quickly to the credit bureaus. I've called XXXX twice, on XX/XX/XXXX and on XX/XX/XXXX to attempt to have the XXXX XXXX  late notice removed from my credit. They've told me that they don't have a way to fix this issue and that I have to go through the credit bureau 's to have the XXXX XXXX late notice removed from my credit. I've attempted what GM Financial suggested and that has not worked. Ideally I was hoping to fix this issue with XXXX XXXX about this issue but they have stonewalled through their customer service. They don't have a mechanism to solve this kind of credit reporting issue. 

I don't understand how they quickly report that someone is late with payment without having a mechanism to help fix this issue. But also that they didn't give me much of a chance to fix this issue with them. I only discovered the issue after seeing that my XXXX XXXX had decreased. I don't think it's fair that they didn't communicate with me at all but quickly reported that I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover Card XX/XX/XXXX - First Statement Date {$5200.00} Filed XXXX XXXX XX/XX/XXXX Filed Report with XXXX  Filed dispute with Discover and all XXXX Reporting agencies Requested Original Contract on several occasions to investigate myself. Debt collector only send me statements and refuse to acknowledge my identity theft claim. 
May have been due to XXXX breach in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: FL

Complaint narrative:
Update personal info, Delete the accounts violating the FCRA and delete the unauthorized inquiries

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 2022-11-01 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My Dispute is detailed and related to the accounts listed in this letter. I am exercising my rights under FCRA XXXX ( a ) ( XXXX ) for you to furnish copies of all documents you used to verify the accounts listed within the XXXX XXXX allowed by FCRA XXXX or delete them immediately. 
If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Problem : Unauthorized party cashed a check. I initiated a fraud claim with Bank of America. It has been XXXX XXXX and they have not resolved the claim. Our landlord is demanding payment. 

Bank of America XXXX bill pay generated a paper rent check to our landlord for XXXX XXXX. 

Check : # XXXX Amount : {$4800.00} Intended recipient : XXXX XXXX  XXXX XXXX The check was misdelivered by XXXX to an unauthorized recipient, who then went on to cash the check. The endorsement on the back of the check states " XXXX XXXX XXXX XXXX. '' We believe this may have been misdelivered to a XXXX XXXX XXXX  office down the road from the landlord 's office. 

XX/XX/2022 : XXXX emailed us stating XXXX rent was not received. However, the check was cashed. I downloaded the check image, and the endorsement is XXXX XXXX XXXX XXXX. It seems that the mail was misdelivered to the XXXX near our landlord 's office in XXXX, and the government ( XXXX XXXX cashed the check fraudulently. 

XX/XX/2022 : I initiated a Bank of America fraud claim, submitting all required notarized documentation along with a detailed cover letter explaining all of the above. 

XX/XX/2022 : I received a letter from BofA stating the claim was denied. They stated the reason was that the autopay was initiated by the IP address it's normally initiated from ( my computer ). 

XX/XX/2022 : My XXXX  called the XXXX number on the denial letter, spent XXXX XXXX on hold, and was finally able to speak to someone. The representative informed her that the claim reviewer misunderstood the grounds of the claim. They thought we filed the claim because someone fraudulently authorized payment. This is not the case. I authorized billpay, the payment was misdelivered via XXXX, and an unintended recipient ( possibly XXXX ) fraudulently cashed the check. 

It should be noted that I outlined this exact scenario on the cover letter I sent with the claim. 

Bank of America 's claim reviewer seems to have completely disregarded the cover letter. 

They then informed us we would have to open a new claim, having all documents notarized again, and go through the whole process again. My XXXX  pushed back and was able to get them to re-open the existing claim without having to resend everything. 

XX/XX/2022 : Received email from landlord stating that payment for above is due by XX/XX/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 monetary relief
Consumer complaint received 2022-11-01 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: CA

Complaint narrative:
I have written dispute letters to Equifax on many occasions disputing the following items : XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the following violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have physical and digital proof that via XXXX that the letters were left with an agent of Equifax. I never received a response or proof that an investigation took place, which is grounds for removal. The procedures in case of disputed accuracy was not followed. I wrote to the CFPB to file a complaint. I typed out specifically, in great detail what occurred, and which XXXX. Codes that were violated by Equifax and the companies furnishing the disputed information. NONE of my matters were addressed. A representative from the CFPB responded to me in writing stating the following : " Below includes the results of that investigation. XXXX XXXX; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' Why did no XXXX address any of the violations? Why did no XXXX address my right to privacy being violated? Why did no XXXX address that I never opted into reporting ; no consent = identity theft! Why did no XXXX address the fact that I requested original contracts and disclosure forms ( which are to be " clear and conspicuous ), and never received them! How am I to believe anything that is being reported? Why did no XXXX address that XXXX, Equifax, and XXXX are furnishing completely different information for the same accounts! Why are these accounts reporting incomplete, inconsistent and inaccurate information!? How do I know the accuracy of the balances are correct. etc? I can keep going. Nonetheless, I sat and waited XXXX XXXX for that extremely LAZY response above from the CFPB. YOU, the CFPB is the supervising authority over the CRA 's, yet, you are not enforcing any laws! I also stated that I do not consent to XXXX and I am XXXX XXXX sure that was used to handle my complaint. If XXXX was not used, please have Equifax provide me the name of the company they contacted, if they contacted them via mail or phone, the date and time they contacted the companies, the person they spoke with, etc, so I can follow up with these individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: 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 XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: 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 XXXX XXXX XXXX. 

XXXX 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 A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX  A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXXXXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Beginning on or about XX/XX/XXXX and continuing through XX/XX/XXXX, Bank of The West charged me {$240.00} in overdraft fees. On XX/XX/XXXX the Bank charged me {$70.00}, on XX/XX/XXXX it charged me {$140.00}, and on XX/XX/XXXX it charged me {$35.00}. I wrote to the Bank requesting a refund of the fees. I have deposited funds for all of my transactions. This is a despicable and predatory manner of charging fees. Bank of The West claims to have done away with charging fees, but it still to this day continues to take advantage of the average consumer by charging exorbitant fees, even for transactions as low as {$2.00}.

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 2022-11-01 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: NY

Complaint narrative:
XXXX XXXX agencies are reporting inaccurate incorrect information in my credit report without my authorization.

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 2022-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went car shopping and got a preapproval from XXXX XXXX XXXX XXXX. The lady that helped me at XXXX XXXX XXXX in XXXX, CA insisted on running the credit again on their end and ran it XXXX more times that same day. 

She said it would count as XXXX, but I have XXXX hard inquiries that day. 

To top it off, they didn't even have the vehicle in stock that I wanted. They lured me in saying they had it in the back only to come back and say they had sold it, after running the credit.

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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I went to the Wells Fargo branch at XXXX XXXX XXXX XXXX in XXXX XXXX to make an atm deposit. I inserted {$240.00} into the machine. The machine started spitting bills back and ultimately could not complete the deposit. I requested that the machine give me my money back. It proceeded to provide me with {$140.00} and ate a {$100.00} bill. I opened a claim with Wells Fargo within XXXX minutes. I followed up with them about XXXX weeks later and they told me the claim had been erroneously closed. I opened another claim. I just spoke with them today and they informed me that the XXXX claim was closed because they counted the money at the teller and it showed I only deposited {$140.00}. The money was eaten by an ATM so it would not be at the teller, which I have explained to them multiple times. I have even offered to provide them with both the bank and the atm numbers so that that they could further look into it and I was told that they did not need that information. I have gone ahead and closed my account with Wells Fargo due to their horrible customer service and their lack of investigation

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