vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-18 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 to XXXX for a free consultation on my teeth to possibly purchased some invisalign from this particular dentist located in New York who has also an office at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. During the consultation with a salesperson who took photos and information on my behalf I was told that I could get a loan for {$1800.00} from XXXX a company who gives loans to purchase their products. I was reassured that I was not under any obligation until I would get my teeth 's evaluation. A few weeks later I got their results and I was told that invisalign would not make a difference on my teeth. Obviously I decided NOT to purchase the product and in fact I never ordered it nor did I ever received it.

Nevertheless XXXX and XXXX fraudulently made a loan ( see the many bad reviews on XXXX ) which I did not authorized. I called them multiple times and tried to send emails but it could not reach them. I did not want their loan. I never authorized it. I did not want their product after the consultation nor did I received the product, regardless I have a loan with XXXX showing on my credit report as a thirty day late from that loan

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 2020-01-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I went to XXXX for a free consultation on my teeth to possibly purchased some invisalign from this particular dentist located in New York who has also an office at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. During the consultation with a salesperson who took photos and information on my behalf I was told that I could get a loan for {$1800.00} from XXXX a company who gives loans to purchase their products. I was reassured that I was not under any obligation until I would get my teeth 's evaluation. A few weeks later I got their results and I was told that invisalign would not make a difference on my teeth. Obviously I decided NOT to purchase the product and in fact I never ordered it nor did I ever received it. 
Nevertheless XXXX and XXXX fraudulently made a loan ( see the many bad reviews on XXXX ) which I did not authorized. I called them multiple times and tried to send emails but it could not reach them. I did not want their loan. I never authorized it. I did not want their product after the consultation nor did I received the product, regardless I have a loan with XXXX showing on my credit report as a thirty day late from that loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: CA

Complaint narrative:
We had an account with XXXX and we purchased ten phones for our business then their employee XXXX came to our place of business " to help us with our new phones '' which she ended up stealing. ( see police report ) XXXX later admitted to us that their employee XXXX stole about sixty phones from them and that she had a warrant for her arrest. XXXX knew their employee had a previous record yet they had her work with the public and steal our phones. 
Now they are trying for me to pay for them ( see police 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 2020-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: TX

Complaint narrative:
I'm in the process of moving my account away from bank of the west. On XX/XX/XXXX, a payment I'd missed charged to the account taking it negative even though I have not and will never opt into overdraft protection. BotW have allowed the charge and charged a {$35.00} fee as a result.

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 2020-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
This Collection agency represented by the three lawyers have violated the consumers protection rights. XXXX XXXX, XXXX XXXX XXXX, XXXX They have GANISHED MY FULL WAGES from MY account. This is a violation. Please address this matter as a true representative of the United State of America. 

The assumption held by many is that, once a debtor is found, the creditor can seize or freeze any of the debtors assets in order to cover the cost of the debt. That is a false assumption. The Fair Debt Collection Practices Act ( FDCPA ) is a national regulation that makes certain assets exempt from the credit collections process and protects the consumers from harassment by creditors and debt collectors. 
Earned income The amount of earned income that is exempt from collection depends on a number of factors, including the minimum wage, the debtors take home pay, whether or not they receive SSI or PA and the amount of your disposable income. The simplest translation of this exemption is that there is never a time that all income can be garnished to pay off past due accounts. In fact, federal law will allow for wage garnishment only up to 25 % of the net income. Like all other garnishments, this requires there to be a judgment against the debtor before taking effect. 

My husband ( XXXX XXXX XXXX ) with increased health problems ( XXXX XXXX XXXX XXXX ) does ride-share so we can pay our mortgage payment timely. 
Myself, due to severe health condition ( XXXX XXXX XXXX ) has not able to work for the past few years. 
XXXX XXXX, when the real estate market crashed both my husband and I had lost our jobs. 
We used our reserves to keep up with the increasing mortgage payments and credit card payments. 
But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards. 
In XXXX, our income had improved and we were able to get an affordable modification. 
Since then, we are able to make our mortgage payments but not able to pay any other debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: OR

Complaint narrative:
FIRST CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Reported me to collections for debt of {$990.00} thats affecting my credit, they are trying to charge me for something when I was minor, or have the wrong information, now is affecting me for future loans and housing,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I own a joint savings account with my teenage sister with the intended reason of giving the funds to her once she went to college. However, we relocated from California to  XXXX, in which, to our dismay, we discovered there are no Citibanks. Since moving, I have tried contacting Citibank multiple times in order to have my account closed and the funds sent to my new address. Because there are no Citibanks in California, I have had to do all of this via mail, based on the information I have obtained from them over the phone. 
This issue with Citibank has been ocurring since approximately XX/XX/2019. We had not used the account for some time, therefore, the first step they had me do was reactivate the account, which I did. After that, I followed up with them and the account had in fact been reactivated. Then, they had me send a letter to Citibank in order to close my account, which I did. I was sent a letter back saying they required of me the account number, which I did not have on hand. However, based on my phone call prior to send that original letter, the employee over the phone told me it would suffice if I sent them the social security numbers of the owners of the account, which I did. I was perplexed when I received the letter from Citibank stating that they could not close the account. 
I called Citibank again, this time the first employee told me I had to have the letter notarized, something they had not told me before. I was so profoundly upset, I then asked to speak to the supervisor, who then told me that this information was not true and I did not need to ahve the letter notarized. Luckily, during this time period I was able to locate a statement I had amongst my papers. I was so grateful at this moment. I went ahead and wrote another letter including the account number, and also had the letter notarized. I received another letter saying that the account had been closed! I never did receive a check. It is important to note that I did have my address changed with them as well, so I was expecting to receive a check in the mail. To this day, I have not received the {$490.00}. It may not seem like much, but they are funds we have worked for to put aside for my XXXX-year-old sister and I expect them to be returned to us, as it is our money. I have made phone calls and sent letters but I have not been helped as expected. The information I have received has been inconsistent, making me provide personal information only to not have been my request resolved. I understand that my information needs to be verified, which I have done. I ask that you please help us with this matter. 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 2020-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2020 I was " accidentally '' informed by Visa XXXX Supervisor ( id # XXXX ) and WellsFargo bank rep, that Visa has a Merchant product ( Visa Account Updater ) when I questioned a charge on my account that should not have been processed because the Merchant did not have my new credit card number. 
The Merchants financial institution ( bank ) has the ability to gain access to card holders new card information without Visa notifying, verify, confirming or getting authorization from the card holder ( consumer ) that new card information can be provided to the Merchant. 
Not only does this violate the card holders privacy rights and leave them susceptible to fraudulent activity ( loss of funds ) in the consumers bank account, identity theft and possible assault due to Visa blatant neglect to involve & /or notify the consumer in this process. If the government ( IRS ) is required to notify persons of any withdrawals, whether forced or agreed, Visa and financial entities  should not be allowed to violate a consumers protection by creating a Merchant tool & using it without consumer knowledge provided. Credit card companies and financial institutions to be required to make this merchant tool & process information clearly identified upon inquiring/set up of reoccurring or credit card payments instead of purposefully being vague in a disclaimer and or privacy statement regarding the sharing of consumer information. 
By not clearly informing the consumer it takes away the right to choose payment options ( check, credit card phone ) that may better protect their identity and account fraud activity. Also Wells Fargo, Visa, nor the Merchant that request this information, have this tool and the process the financial institution perform on their site as consumer information/awareness and it is not on privacy policy statements regarding how this information is shared. This tool/product clearly contradicts a portion of Visa privacy information which in turn violated my privacy rights and the ability to protect and sharing my information without my consent.

I feel extremely violated and disregarding as a consumer.

Visa- For security reasons and to prevent unauthorized disclosure of personal information, cardholders should contact their payment card issuers to access their Card Transaction Data. This helps ensure that access to the information is only provided to the authorized individuals, subject to the issuers verification processes

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 2020-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Arcadia Holdings, LLC
State: NJ

Complaint narrative:
I was called repeated number of times from Arcadia Recovery Bureau and they kept asking me to pay this medical debt. Upon their insistence, I gave up my social security number but did not pay the medical debt as I requested a letter in the mail before the payment. Now after further research, it looks like an illegitimate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: I.C. System, Inc.
State: IL

Complaint narrative:
The company listed below has placed a negative rating on my credit report regarding this account stating that this account was sent to collections in XX/XX/2018. I have not had XXXX XXXX service in over 7-8 years. I am not responsible for the amount of {$1000.00}. I want this credit line deleted from the records all three ( 3 ) of the major credit reporting agencies ( XXXX, XXXX, and XXXX  ) I C SYSTEMS COLLECTIONS # : XXXX**** XXXX XXXX XXXX XXXX  XXXX , MN 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 2020-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This Collection agency represented by the three lawyers have violated the consumers protection rights. XXXX XXXX, XXXX XXXX XXXX, XXXX They have GANISHED MY FULL WAGES from MY account. This is a violation. Please address this matter as a true representative of the United State of America. 

The assumption held by many is that, once a debtor is found, the creditor can seize or freeze any of the debtors assets in order to cover the cost of the debt. That is a false assumption. The Fair Debt Collection Practices Act ( FDCPA ) is a national regulation that makes certain assets exempt from the credit collections process and protects the consumers from harassment by creditors and debt collectors. 
Earned income The amount of earned income that is exempt from collection depends on a number of factors, including the minimum wage, the debtors take home pay, whether or not they receive SSI or PA and the amount of your disposable income. The simplest translation of this exemption is that there is never a time that all income can be garnished to pay off past due accounts. In fact, federal law will allow for wage garnishment only up to 25 % of the net income. Like all other garnishments, this requires there to be a judgment against the debtor before taking effect. 

My husband ( XXXX years old ) with increased health problems XXXX XXXX XXXX XXXX XXXX ) does ride-share so we can pay our mortgage payment timely. 
Myself, due to severe health condition ( XXXX XXXX XXXX ) has not able to work for the past few years. 
XX/XX/XXXX/ XX/XX/XXXX, when the real estate market crashed both my husband and I had lost our jobs.

We used our reserves to keep up with the increasing mortgage payments and
credit card payments.

But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards. 
In XX/XX/XXXX, our income had improved and we were able to get an affordable modification. 
Since then, we are able to make our mortgage payments but not able to pay any other debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent maybe 6 disputes to transunion about one collection on my credit and that collection open date is correct because the orginal creditor ( XXXX ) who I opened the account with on XX/XX/XXXX sold it to another collection agency ( XXXX XXXX XXXX ) and they changed the open date to XX/XX/XXXX and had a open balance and this debt is not new as they try to make it seem. I have disputed with XXXX and they have removed this error on my report but transunion will not remove this

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 2020-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX - I canceled Amex XXXX Platinum card. My account has been in good standing before that. As shown in the attached screenshot, the agent didn't notify my any reward removal consequence. 
XX/XX/XXXX - Amex removed XXXX reward points from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2020 I called to make a payment to no avail They are Not ADA Accessible I have No Access. On line to my account due to my XXXX. Calling to access my account is my only option and it requires my XXXX XXXX XXXX to enter in 16 numbers card number and 4 numbers of social security I was unable to make a payment with extreemly XXXX XXXX They do not provide any option to access my account I should be checking for unauthorized charges with all data breaches daily I am unable to feel safe or secure checking my account as all others with accounts are advised to do for protection I have requested this be corrected for over a year to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
ENHANCED RECOVERY COMPAN Last reported XX/XX/2019 {$430.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on 2 million XXXX XXXX  members Option 1

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
dispute submitted thru cfpb and was sent to the company. they refused to reinvestigate the dispute unless additional documentation is provided. however I did provide an abundance of additional documentation and they still refused to reinvestigate this dispute and state they will NOT reinvestigate any disputes about this again. this is clearly a violation of my rights under the FCRA and I am now requesting the agencies method of verification in addition to the 3rd party vendor they use 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 2020-01-18 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: CA

Complaint narrative:
We had an account with XXXX and we purchased XXXX phones for our business then their employee XXXX came to our place of business " to help us with our new phones '' which she ended up stealing. ( see police report ) XXXX later admitted to us that their employee XXXX stole about XXXX phones from them and that she had a warrant for her arrest. XXXX knew their employee had a previous record yet they had her work with the public and steal our phones. 
Now they are trying for me to pay for them ( see police 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 explanation
Consumer complaint received 2020-01-18 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:
We had an account with XXXX and we purchased ten phones for our business then their employee XXXX came to our place of business " to help us with our new phones '' which she ended up stealing. ( see police report ) XXXX later admitted to us that their employee XXXX stole about sixty phones from them and that she had a XXXX  for her XXXX. XXXX knew their employee had a previous XXXX  yet they had her work with the public and steal our phones. 
Now they are trying for me to pay for them ( see police report ).

Company response to consumer: Closed with explanation