vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC.
State: MN

Complaint narrative:
Optum bank never wrote and gave any written response for the claims I sent to them. 
Thanks to CFPB, Optum gave the response to CFPB request XXXX. 
The mistake Optum made is that Optum wrongly stop the check which has been sent to XXXX. 
Optum response says On XX/XX/23, you contacted the XXXX XXXX XXXX to advise that XXXX XXXX was not in receipt of check # XXXX for {$100000.00} and per your request a Stop Pay was issued and the funds were redeposited into your Optum Bank HSA balance. 
I am astonished that Optum can make such untruthful statement based on no fact. 
So, the problem I initially reported ( XXXX ) become the dispute which is who requires stop check. 
My request is to transfer HAS funds from Optum to XXXX. I called both parties to urge them to complete the transaction. 
All calls I made is to urge them complete transaction. There is no motivation and reason to stop the transaction. 
The fact is that I never filled any form or called Optum to stop check. Stopping check is completely again my goal of transferring funds. 
When I blame Optum for their mistakes, I provided very evidences to support my argument in XXXX. 
Optum needs to provide evidences for their response. Optum said per your request a Stop Pay was issued, Optum should provide evidence to support this statement. 
Note : All conversations between I and Optum are recorded by both Optum and ME, so it is not difficulty to see who is telling untruthful. I kindly remind who wrote per your request a Stop Pay was issued thinking twice before providing perjury because you ultimately will take the legal responsibility. ( not Optum ). 

CFPBs responsibility is to protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law I hope CFPB contacts Optum for the evidences of their responses because what Optum is doing is a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I was called by Chase Bank that someone had opened a buisness credit card under my name. I told them that I haven't opened a credit card in years. They closed the credit card and told me to contact the credit bureaus and put a fraud alert on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX  violated my rights and never gave me no opportunity to dispute. On XX/XX/2021. I received an email from national credit audit by collection agent called XXXX XXXX. A notice to pay a debt was issued and notice to dispute was not issued which is a violation of my FCRA as a Debt collectors must send you a written validation notice that states how much money you owe, the name of the creditor and how to proceed if you want to dispute the debt.

Months later I found out I have a collection on my credit report without giving me the opportunity to dispute. I tried reaching out to XXXX  via CFPB but was unsuccessful. This is a clear violation of my rights and this account MUST be deleted as the amount is invalid. It was stated I owe {$9600.00} but experian is reporting {$4800.00} or there about which deemed this account as false reporting and violation of consumer rights.

It was reported in three major bureaus and XXXX, XXXX has deleted the account for violations of my rights and experian seem to not doing appropriate investigation into major cases. Investigate this as this has been proving to be violation by other credit bureaus and experian wouldnt be an exception as they all abide by FCRA law! 
I have already filled a fraud report with FTC

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 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The laws are very clear under 15usc1681B, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My written consent is needed in order for this company to access file. According to15usc1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
maybe this was an honest mistake but the law is very clear. Please provide the document with my wet signature giving this company my written consent to access my credit file. 
Date of inquiry : XX/XX/2021

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 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My BUSINESS information is showing on my consumer report and i need it to be remove completely and transferred to my business consumer report as soon as possible. I have been damaged because of all the inaccurate information that has been showing on my report, i will attach the proper forms to put you guys on notice that my name that is connected to my personal consumer report is a business name and should be reported properly. 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 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX signed an auto loan contract with XXXX XXXX AND WELLS FARGO for 12.99 % then immediately changed to 16.88 %. 
On XXXX wells fargo tried to add {$1900.00} collateral insurance for XXXX to XXXX on the car even though we had insurance. 
Charging excessive late charges Excessive charges when payments made by telephone Clause in contract -- No cooling off period {$33000.00} for a new XXXX  XXXX XXXX Charge of {$840.00} for a XXXX XXXX XXXX XXXX XXXX for {$520.00} Repossessed on XXXX still owing {$22000.00} Wells Fargo sold car on XXXX for {$11000.00} and wanting {$14000.00} balance Had XXXX miles on car on XXXX During last year car was in my possession, Wells Fargo harrassed me constantly with multiple telephone calls within an hour, even though I had talked to someone previously and arranged for a near future payment date and continous stream of calls from numerous agents often within 2 hours of each other. 
This all happened when I was as little as 5 days past due late. 
I finally decided to let this car get repossessed voluntarily to end the mental anguish and harrasement that Wells Fargo was inflicting on me. 
Soon after on XXXX, we had to file bankruptsy. 
Wells Fargo was paid {$4400.00}.

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 2023-02-06 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: DISCOVER BANK
State: MD

Complaint narrative:
This company is reporting late payments on my credit reports. 
According to the FCRA reporting of my payment history is illegal. This company is also in violation of GLBA because my consent is needed in order to share my non public information with nonaffiliate company such as XXXX, XXXX and XXXX. Below are 2 of the federal laws that this company is violating.

1 ) 15usc6802 : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

2 ) 15usc1681A ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Maybe this is an honest mistake and this company is not aware of all the federal mandates that were put in place by congress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My BUSINESS information is showing on my consumer report and i need it to be remove completely and transferred to my business consumer report as soon as possible. I have been damaged because of all the inaccurate information that has been showing on my report, i will attach the proper forms to put you guys on notice that my name that is connected to my personal consumer report is a business name and should be reported properly. 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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My BUSINESS information is showing on my consumer report and i need it to be remove completely and transferred to my business consumer report as soon as possible. I have been damaged because of all the inaccurate information that has been showing on my report, i will attach the proper forms to put you guys on notice that my name that is connected to my personal consumer report is a business name and should be reported properly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
i am delivery man who takes orders and deliver them with payment on my paypal and other account app i got this charge back from a women who made a payment for her fiancee and now they all trying to steal back from me which paypal had to put my account on overdraft and took away some of my money saying i cant use paypal anymore why cant they confirm payment before ever sending and why would they charge back please i need my paypal accout restored and money back thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TradeStation Group, Inc.
State: TN

Complaint narrative:
Dear Trade Station, I am writing to express my deep dissatisfaction and confusion regarding the recent closure of one of my accounts with your company. I have been a long-standing and dedicated customer of Trade Station , with multiple accounts. I have been actively trading with these accounts for several years now and have always maintained a good standing with your company. 

It was extremely disheartening to receive notice some of my accounts has been closed without any prior notice or explanation. This sudden closure has caused immense inconvenience and has had a significant impact on my trading activities. Moreover, the fact that Trade Station recently approved and opened two additional retirement accounts for me, as well as being in the process of opening another business account, makes this closure even more bewildering.

I do suspect the only reason for this closure is because a member of your team is not able to understand how I can live in one area own a business and work in a completely different location thus having 3 different addresses. Additionally I felt they didn't want to have me submit the email version of paperwork after I filled it out suggested I redo everything and submit an online version. 

I would appreciate if you could provide a clear explanation for the closure of my account. Furthermore, I would like to request that you reconsider your decision and keep my accounts open as there is absolutely no reason behind this closure. I have always been a responsible and reliable customer, and I am confident that I will continue to be so in the future. 

It is imperative that I resolve this matter promptly, as my trading activities have been severely impacted by the closure of my account because I was in the process of transferring funds from another retirement account. I would be more than happy to discuss this matter further with a member of your management team. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I financed a vehicle through CNAC in house finance for Byrider. I had to put XXXX  down for the XXXX XXXX XXXX and starting XX/XX/XXXX I had to pay XXXX. I've paid them XXXX, XXXX so far via my debit card not knowing that the vehicle had title issues in Louisiana. I was given the run around for months by Byrider and they kept issuing temporary plates but no solution. They stated they didn't have a vehicle of equal or greater value to provide me. As of XXXX the manager informed me that he was very sorry for my inconvenience and asked if I could take the vehicle to the XXXX title office to get a vin number verification and with that they could work on the title issue. I've also been in contact via email with XXXX XXXX of CNAC to let her know since we entered into this contract fraudulently because I was not aware of the issue to months in the contract. I advised CNAC XXXX XXXX that I would prefer if they wrapped at least the minimum of two payments to the back of the loan until they correct the issue. As of XX/XX/XXXX XXXX XXXX wasn't on board and wanted more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
The citi bank closed my account but my job sent my check to the bank and now there telling me that my account has a hold on it because there waiting for three account to close And I can not receive my phones for 30 to 60 days not if that is true how was it able to shut down the close the stay with the count but not able to close the checking account down just as quickly as they did save as account it makes no sense every time I call I get a different answer nothing consistent nothing 's the same everyone has something different say every single time I call and it just makes no sense I want my money back from these people and I need it

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 2023-02-06 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the 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 non-monetary relief
Consumer complaint received 2023-02-06 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation