vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: PA

Complaint narrative:
My wife and I are currently in the process of purchasing a home. On XX/XX/XXXX I was notified by my loan officer that there was a {$200.00} debt in collections attached to my credit report. The debt collector is IC System. Being this is the first time I have heard of this debt I was confused. The debt was placed in collections by XXXX XXXX for allegedly failing to return cable boxes to the company after selling a property they provided service for. The home was sold in XX/XX/XXXX. Being this home is a vacation rental, the cable boxes were actually transferred to the new owners to avoid service interruption. 

My issue is that there was no communication sent to either myself or my wife notifying us that XXXX still believes there is a debt. Spectrum failed to communicate the issue and IC System also failed to communicate the issue. I spoke to an IC System representative on XX/XX/XXXX to discuss their process. The rep said phone calls were made to my cell phone number and also my wife 's cell phone number. She confirmed that the phone calls do in fact show up as " XXXX '' on the call ID and that they do not leave voicemails of any kind. How is a consumer supposed to be notified of an issue or even think the issue is legit if no call back message is left or even instructions on who to contact to settle the debt? The rep also said XXXX letter was mailed to our primary residence in XX/XX/XXXX stating the debt issue. It was confirmed by the rep that the letter was not certified and there is no means to actually verify that we received it, which we did not. 

The {$200.00} is irrelevant. With proper notification it would have been settled. My XXXX  is that my credit score has dropped from XXXX to XXXX for a debt that I was unable to resolve because of poor communication. Since my credit score has dropped so much I am now being offered second tier mortgage interest rates instead of the best rates on the market. The home we are currently purchasing is nearly $ XXXX. Even a XXXX basis point change in my mortgage interest rate will cost me hundreds of thousands of dollars over the life of the loan. It is extremely frustrating. I was told by the IC rep that even if I paid off the debt my credit score still probably won't return to it's rightful level in the immediate future. 

The entire process conducted by both XXXX and IC Systems feels predatory and illegal from every angle. Any help is greatly appreciated on how to proceed. Thank you

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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
tuist bank closed my business checking account and have refused to release my account balance to me after closure.

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 2023-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FC HoldCo LLC
State: TX

Complaint narrative:
On or about XX/XX/2023 my car XXXX infinity was taken by a company called XXXX XXXX to a tow yard located in the city of XXXX XXXX, Texas I was advised that Flagship credit had requested the car be collected. 
I do not have an account with XXXX credit I do not have a debt with XXXX credit. 

I have reached out to Flagship credit I spoke with XXXX, XXXX and XXXX whom are all collection managers XXXX being the head of the department XXXX which I left a voice mail I have provided the XXXX and written statement on XX/XX/XXXX, XXXX, XXXX and again on the XXXX advising I am the owner of the car and have no debt with Flagship. Flagship has continued to force this account on me. 
Flagship is holding my property and will not closed this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a savings account with Barclays Bank. I am trying to add my external account to do accommodate an external account transfer. The bank has a hold on my account as they state they can not verify the external bank account. They have requested I send my statement, which I have done, but now they are stating they can not access the state which was sent. I have sent it XXXX times, without success. They will not provide my withdraw without this information. 



It has been more then XXXX days since the commencement of this process

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 2023-01-11 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed the items with the bureaus on XX/XX/2022 but the bureaus did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' XXXXXXXX XXXX Account # XXXX XXXX Account # 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 2023-01-11 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed the items with the bureaus on XX/XX/2022 but the bureaus did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' XXXXXX/XX/XXXX Account # XXXX XX/XX/XXXX Account # 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 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Chaplin & Papa, P.C.
State: NC

Complaint narrative:
Due to an accident that happen in XXXX that was not my fault but yet I was found guilty after being told by the judge that I did not need a lawyer to handle my case. 

I had to pay XXXX insurance company {$11.00} XXXX dollars which XXXX XXXX XXXXXXXX XXXX XXXX XXXX law firm is handling and had reached out to me to let me know that she needed me to start making payments to them which was {$56.00} a month. I paid faithfully until I was taken out of work due to fallen ill on XX/XX/XXXX. I continue to make payments until I no longer could. 

I contacted XXXX on XX/XX/XXXX to let her know what has happened at that time. She was very rude and unprofessional. She threatened to suspend my XXXX XXXX drivers license if I didn't come up with the money to continuing paying on my account. I explain to her my situation and that I couldn't work due to my condition and that I no longer had the funds to keep my payments going. She informed me to send in a doctors note saying I was under " XXXX 's care '' & my last XXXX income statement, so that she can see what she can do about making my payments cheaper. I sent the information in as requested. I did not hear back from her so I called to see what was the outcome. She stated that she couldn't do anything for me because she never received any information from me and that my problem was no longer her problem and that she will be suspending my license and in order for me to get my license back I would need to pay her {$25.00} XXXX dollars. I explain to her that I was not working and could not pay and is still under my doctors care as of today and she responded back saying that's too bad, I guess you don't need your license and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: AL

Complaint narrative:
My name is XXXX XXXX. My twin sister 's student loans are reporting on my credit reports. I have been disputing them since 2018 and nothing has been done about it. I always get a letter stating it has been verified as a response to my disputes. I have contacted the XXXXXXXX XXXX XXXXXXXX and they do NOT have any open student loans in my name whatsoever. This is illegal reporting on your end. I can't purchase anything because of this. It is damaging my life.

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 2023-01-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have sent the credit bureau 's letters asking them to verify the debt on my report. They have sent it back that everything is verified correctly. My credit report is still showing inaccuracies.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 consciously avoids knowing 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 2023-01-11 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: DISCOVER BANK
State: NJ

Complaint narrative:
I just received an email stating that my credit was changed to my experience credit report so when I logged into my account it say something about a discover or XXXX credit card now look I worked hard to get my credit where its at I know XXXX well I didnt try to open an account now my XXXX XXXX is going to change because somebody wants to be a thief and use my information this needs to stop and stop fast because its people like me that came from the struggle started to make my way up to the top then for somebody to prey on you like this Im tryna buy a house not stay in debt I been in debt majority of my life please help me figure this out please I dont want to go backwards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Involves my client, XXXX XXXX. Her husband XXXX XXXX died in XX/XX/2022. She is appointed Personal Representative of his estate in XXXX XXXX, Maryland Capital One Bank claims to have sent a {$180000.00}. cashier 's check to her to close the account on or about XX/XX/2022. Initial problem : They sent it by regular mail to an old business address. The check never arrived. Capital One refuses to replace the check until the mailed check is recovered. This is an impossibility. At one point, on XX/XX/2022, Capital One sent an email to XXXX XXXX stating that they had received the check back as " undeliverable '', and that a new one would be issued. However, XXXX days later on XXXXXXXX XXXX XXXX, Capital One sent her an email stating that that was an error, that they had NOT received the mailed check back. The Capitol One internal case number is XXXX. To date, almost three months after the account was closed, she has not received the funds. This {$180000.00}. is the only large asset of her husband 's estate. 

Again, the Capital One case number is XXXX. It is in the office of XXXX XXXX XXXX Capital One Bank. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 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 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. 

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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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:
in accordance with 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 ... ... ... ... section- ( 602a ) section- ( 604a ) section2 Equifax information services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Halsted Financial Services, LLC.
State: AR

Complaint narrative:
Halsted Financial services has broken the law due to the fact that I have no contract with said entity. I have never done business with your corporation. You are a nonaffiliated third party. Halsted is in violation due to obtaining my non-public personal information.

Halsted is also in violation due contacting me repeatedly through email without my consent.

Halsted also did not provide debt validation or verification due to the fact that you are not the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/22 I was scammed online by individuals who led me to believe my online banking was hacked and that someone was trying to withdraw {$15000.00} out of my savings account. In order to save my funds I was instructed to go to my bank and withdraw my savings account and wire the funds to a security account that was opened at another banking institution to protect me. I went to my bank and wired those funds to the account information they provided to me which my bank did question me about this transaction. I had to pretend that I knew the person I wired the money to. The scammer made me believe they were from my security department because I gave them the phone number on the back of my card. They stayed in touch with me the whole weekend because the banks were closed for the holiday, When the bank opened on XXXX  they instructed me to go to the bank so they could tell me how to get the money back into an account for me. They were really sending me there to drain my checking account ( which I almost did ), but my brain finally clicked in and I realized I was scammed. I talked to my branch manager about this and I went to my local police and filed a report with them. I do not hold my bank accountable, however, I do question the other bank involved. I feel something was not legitimate in the way the account was opened or how the withdrawal was made.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is falsely maintaining XXXX falsely and fraudulently reported accounts that are damaging my credit every day and making it hard to acquire credit. 

Every day this fraud is reported my credit is falsely damaged. 

This is banking fraud, reporting fraud and credit reporting fraud. 

My XXXX account has been canceled because of XXXX  and fraud, due to the fraud on my reporting and this is a problem as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Thursday I went into the Chase Bank XXXX location and ask to speak with a manager. The manager than came out and I introduced myself to him he ask me my issue I explained to him that I didnt want to discuss my issue in the middle of the bank so I ask if he had a better location to sit down and hear my concern and issue so he directed me to a cubicle and we sat I said Im mad as XXXX excuse my XXXX he replied and said I dont tolerate that language I explained to him that I wasnt directly XXXX  at him Im just a lil frustrated because I dont know whats going on with my account and my money he begin to attempt to look into my problem he ask me for the checks and Id I only had my passport. He begun to explain the polices about why checks have holds and I explained to him that I was given a date that my funds were suppose to be available of XX/XX/2022 then on that day a hold was put on my the checks until XX/XX/XXXX which seemed to be odd to me. I also explained to him that I had been on the phone with representatives and the advised me to come into a local branch So I came into this branch to get clarity the branch manager got a XXXX XXXXXXXX  with me and said did you hear what I said and I replied no because the policy he was explaining to me didnt make any sense to what was in fact going on in my current situation so I replied Im just mad as XXXX that I have to even go through this and the branch manager closed up my passport and handed me back my checks and passport and told me that he could no longer help me I asked why and he said because I keep XXXX I replied what did I say XXXX XXXX XXXX Im not directing anything towards you he still wasnt trying to hear anything I was trying to say he got up we both had words back and forth with each other I had both my phones in my hand I ended up dropping one of my phones because I had to many things in my hand and as I went down to pick up my phone the branch manager XXXX at me. So my reaction was to XXXX him back he started yelling at me he to get out the bank so I complied and left and he called the police on meXXXX Since this incident all my accounts have been closed. I was stuck in XXXX on XXXX XXXX  I havent been able to eat I have XXXX kids not have I been able to pay my bills all an inconvenience because a man decided to XXXX at a woman for needing clarity with her account. Which the branch manager admitted to the The XXXX police Department who was called out. I talked to XXXX XXXX XXXX XXXX Report # XXXX

Company response to consumer: Closed with non-monetary relief