vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 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:
See letters sent

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 2022-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Celentano, Stadtmauer & Walentowicz, LLP
State: NJ

Complaint narrative:
My XXXX  daughter was admitted to XXXXXXXX XXXX XXXX XXXX ( the `` Provider '' ), a hospital that is in-network with my insurance company ( XXXX ) for observation following an XXXXXXXX XXXX visit. After her discharge, I received a bill for the full cost of the services provided ( {$6200.00} ), without reflecting the agreed-upon rate with my insurer. I was informed by my insurance company that I was not responsible for that amount because I visited an in-network provider. On multiple occasions, I informed the Provider that I was not responsible for the full amount and they should contact my insurance company to properly process any bills. 

In a joint conference call between myself, the Provider, and a representative from XXXX, the Provider was again informed that they should refrain from sending me balance bills and should instead address any billing issues with my insurer. Once again, the Provider was informed the same in a XX/XX/2022 letter from XXXX. 

Instead, the XXXXXXXX XXXX XXXXXXXX XXXX, in violation of their agreement with XXXX, improperly reported the matter to a collections agency, Celentano, Stadtmauer & WalentowiczXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Every few months it seems that I have to reach out about my credit report being frozen ( without my knowledge ) and an inability to apply for things like ( housing, jobs, etc. )!!!! This issue has caused me considerable damages and losses. To make matters even worse, the credit reporting agencies have made it an impossibility to request they lift these freezes since they wont even allow you to access YOUR OWN credit report using YOUR personal identifying information like : a full name, permanent mailing address and social security number. This is just one of 100 complaints Ive made over the past 2-3 years and at some point Im going to collect every last one of these complaints and sue them for damages. I dont know whats so difficult to understand. 

DO NOT FREEZE MY REPORT UNLESS I HAVE REQUESTED IT TO BE FROZEN!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Every few months it seems that I have to reach out about my credit report being frozen ( without my knowledge ) and an inability to apply for things like ( housing, jobs, etc. )!!!! This issue has caused me considerable damages and losses. To make matters even worse, the credit reporting agencies have made it an impossibility to request they lift these freezes since they wont even allow you to access YOUR OWN credit report using YOUR personal identifying information like : a full name, permanent mailing address and social security number. This is just one of 100 complaints Ive made over the past 2-3 years and at some point Im going to collect every last one of these complaints and sue them for damages. I dont know whats so difficult to understand. 

DO NOT FREEZE MY REPORT UNLESS I HAVE REQUESTED IT TO BE FROZEN!!!!!

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 2022-10-31 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: CA

Complaint narrative:
I would like to dispute some information that I do not recognize or find to be accurate : 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 [ REPORTING TWICE! **WHY/HOW?? ] ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX [ REPORTING TWICE! ** XXXX?? ] XXXX XXXX XXXX XXXX. I have reached out to Experian via certified mail on multiple occasions regarding this matter, which they have not responded to me, although my letters were left with an Agent. I consider this to be extremely unfair! That is the first reason I am requesting deletion of the disputed data. The second reason I am requesting deletion of the disputed data is because there are multiple discrepancies between the information that XXXX, XXXX, and Experian are reporting. I compare the information and find it to be severely inconsistent and contradictory. Why does it not match? From my understanding, it is your duty to ensure that my report is 100 % accurate and truthful. This means you have been reporting the incorrect information this entire time, which as been hurting me severely! My third reason requesting deletion of the disputed data is due to the fact that I did not provide any these companies with my social security number, nor did I consent to have my private, nonpublic information shared. How did they obtain my private information?? Who gave it to them?? It is safe to say that my right to privacy is being violated. I am truly concerned. Please investigate this matter as well. Lastly, if any of these companies choose not to cease reporting, please have them provide me with any documents they have on file baring my unique signature, -such as any original signed contracts, or any disclosure forms which are required by law to be clear and conspicuous, acknowledging that I opted into credit reporting. If they fail to provide such physical and legal proof of these accounts, please have them cease furnishing, and delete the information from my report immediately. Upon completion of your investigation, please mail me the results within 30 days. I truly appreciate your time and attention to this matter.

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 2022-10-31 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
These 2 Collections XXXX XXXX XXXX they keep reporting They continue to report these 2 accounts that were reported by the original creditors as Charge off more than 7 years ago and have already met the status of limitation, they should be removed and every time I dispute with the bureaus ( XXXX and XXXX ) they say Verified but where is the evidence of the dates. please i need help i am frustrated and i can't use my credit to help my daughter for her college.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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:
XXXX, TRANSUNION, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ON ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was informed by agents of three separate accounts that a third-party company that I had no idea or contract with had attempted to make payments on my behalf. All those payments were returned by the bank because they were not authorized by me. These banks then close/shut my account with no explanation whatsoever. 


I am a senior with fixed income and used these credit cards till they were closed. The closure of the accounts has really stressed me and put a strain on my finances. I did not authorize anyone nor any company to make payments on my behalf. The creditor refuses to re-open the account leaving me with very few options to live by.

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 2022-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022 I went to my bank CiTI bank to make a international money transfer to XXXX XXXX for the amount of {$6000.00} XXXX I got charged {$45.00} XXXX for the transaction, the bank told me like is Friday it will be taking around 3-4 business day to get the complete transfer to my bank on XXXX XXXX XXXX On XX/XX/2022 I called to see if the transfer was complete and the bank told me that was missing some information from my recipient on XXXX XXXX, it was, what type of account was, passport number and phone number of my recipient, so I went to the bank to provide the information missing, the banker called the transactions department told him, that nothing was missing that we just need to wait a few more days to get the transaction complete, the next day I notice on my Citi bank account some transfer been made to my checking account for the amount of {$5700.00} dls and went back to bank to ask what was that money coming from they said that my transaction was canceled and the return the money to my account less money of what I sent that was {$6000.00}, and because when the canceled the transaction without letting me know the exchange dollar was less, I very mad with action been 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 2022-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app has allowed a SECOND account to be opened with my info. In their response to my previous complaint filed with the CFPB they stated they would not allowe my info to be used further. Today, XX/XX/22 I received a cash app card for a new account using just my first name- they didnt even require a last name in opening the account. Cash app still does NOT have any sort of fraud protection that will speak to you and as of today I have yet to have the second account closed. 

Cash app needs to CLOSE this account immediately and STOP allowing new accounts to be created using information THEY KNOW is fraudulent as they have been notified multiple times via here and directly that the info is fraud. Yet they still continue to allow the stolen information to be used to open new accounts. This is the 2nd time in a month! 

Attached is the response from cash app about the first account which they clearly did NOT adhere to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: PA

Complaint narrative:
these XXXX  are putting illegal tranaction on my report, with I do not want them on my report, I have a right to privacy, I didn't give my written consent, title 15 section 1681 subsection 602 A says I have a right to privacy, also I didn't give consent to report any charges off late payment, or derogatory information 15 u.s. codes 1681 subsection 604 A, states that, titles 15 section1692 states the debtor shall have no communcation with the consumer, I want these item deleted from my report, and a XXXX fine for each volation, XXXX and Equifax never validated the debt they never respond it been 40 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: NC

Complaint narrative:
I realized that XXXX XXXX XXXX accounts have gotten hacked and i've been getting weird calls and text messages regarding XXXX. I didn't realize that they used my credit card and maxed it out completely until today. This has affected my credit report tremendously.

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 2022-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: FL

Complaint narrative:
My partner ( XXXX XXXX ) and I applied for a mortgage refinance. XXXX was removed from the application. We were not given all the information on that. Then I was denied for " Unacceptable type of credit references provided. '' I don't know what that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Chase Checking account was " restricted '' with little to no explanation provided by Chase as to why. I was told that I will not have access to my funds pending an account closure review. After visiting the local Chase branch on 2 separate occasions, nothing was accomplished regarding my account. I was told the account would be closed and there will be no appeal process. 

I have now been told I will be mailed a check with my full account balance as it stands. It has now been 10 days and I have not received a check and I am still unable to access my funds. Chase will not answer me at this point and I need my funds as soon as possible. This is ridiculous and I need a response from Chase. 

I will be satisifed if my account is closed and the check mailed in full without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
As stated in previous complaint I called in to XXXX to see if the report was answered from wells Fargo the agent stated they responded so the agent agency XXXX can't find my response to wells Fargo bank. As previously I have stated wells Fargo bank has not provided the accurate information

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 2022-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
Theyve called XXXX times about a water soft system, and Ive repeatedly told them I dont have whatever that is! They are saying they have my signature but I havent signed anything about a water soft system! I dont live at this address they say it is located! I was told by XXXX of there agents that this would be removed, and now I have to go through all this headache. Ive never been married ever, they are saying I signed this with a spouse. This is putting a bad impact on my credit report, not to mention it is reporting as a credit card, I dont have any credit card for this company! I would like this fraudulent inaccurate information removed from my credit report. I have attached a image of this reporting as a credit card, but how can a water system be a credit card! This really hurting me, reporting this false information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
This is two complaints on one form. 

Check XXXX written on XX/XX/XXXX cleared the bank on XX/XX/XXXX though routing # XXXX checking account number XXXX for {$13000.00} to pay on my Carnival Barclays card XXXX under XXXX XXXX. The card number to pay was clearly typed on the check. 

Check XXXX written on XX/XX/XXXX cleared the bank on XX/XX/XXXX though routing # XXXX checking account number XXXX for {$10000.00} to pay on my husbands Carnival Barclays card XXXX under XXXX XXXX XXXX. Again, the card number to pay was clearly typed on the check. 

I checked daily for the payments to post. Finally, called Barclays/Carnival on XX/XX/XXXX at XXXX CST. I spoke with XXXX. I was told he couldn't help me today. He would have to open a dispute for both cards Case XXXX was opened for XXXX 's card and Case XXXX was opened for XXXX XXXX XXXX 's card. XXXX wouldn't promise me a timeframe for call back. Because the payments hadn't posted by XX/XX/XXXX I was forced to make payments for both accounts. Had the payments posted I would have been paid off and we wouldn't have had to make the two payments this month. This is terrible customer service then to put me off further when I called is ridiculous. This was after I had to go to the bank and get copies of the cancelled checks so I would have all this information to provide to them. I have done more than I should have and they are holding on to over {$23000.00} of my money.

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 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am following up on a complaint that was filed a few months ago, # XXXX. US Bank still has not reimbursed our checking account for the {$15000.00} that was stolen. This has been going since early XXXXUS Bank allowed a check that was white-washed from {$40.00} to {$15000.00} to be cashed even though a stop payment was put on the check prior to the check being cashed. I don't understand how this is even our issue. What's the purpose of 'stop payment ' if the banks are going to cash the checks anyway? If this isn't resolved I will be forced to seek legal advice.

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about XXXX XXXX XXXX entered with your Company dated XX/XX/2021 and I extended your organization the credit for the account no. XXXX XXXX XXXX XXXX I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; Update my account to paid as agreed and remove it off collections If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief