vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lansing Professional Business Bureau,Inc
State: MI

Complaint narrative:
Lansing Professional Business Bureau has contacted me multiple times about owing XXXX dollars from 8 different medical accounts. The business is not licensed in my state and has not given me sufficient proof of me owing the debt or about their licensing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I Have no knowledge of this account, but it is being reported on my credit report. 

Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TX

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-ended 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 non-monetary relief
Consumer complaint received 2023-03-28 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: TX

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
First of all, OLLO arbitrarily and capriciously placed a hold on my account, according to XXXX or similar name thereabouts when I called on XX/XX/2023 @ XXXX @ the security department, states in essence, they believed there was a possible fraudulent charge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, knowing how fraud works and was a part of the international credit card investigators association and knowing the master contract with XXXX XXXX, this entity needs to make necessary and proper notification, and failed to do so, and just arbitrarily and capriciously placed a hold without so much as sending an email to verify said transition which happens to be about {$520.00} or so to a wigs.com. This charge was in fact true and genuine. 

Since XXXX was a customer service rep and obviously not schooled in investigations, she was not professional in answering my questions, why a hold and what notifications did they in fact do in any " due diligence '' to ascertain if the charge was legitimate or not, so not I have sustained damages and emotional infliction of emotional distress when I tried to charge {$1.00} for a simple RX i needed and card was declined. Evidentially this charge evoked a hold for over two weeks now. 
Not even a letter or any official snail mail notification was sent out which is part of a " due diligence '' procedure to hold entities such as OLLO as per contract with XXXX XXXX international as they must adhere to certain rules and procedures to maintain a contact with XXXX XXXX to keep using their services and to issue cards in the first place. 

Thus I am alleging, negligence, in how OLLO conducts business and their record keeping and how they fail to adhere to XXXX XXXX XXXX XXXX when dealing with their customers. 

Thus, we will be filing a small claims case against above for negligence accordingly and IIED against their customer ( XXXX ). 

We suggest XXXX write paper and everyone involved in the paper chain, substantiate their role in this when I comes to justification in court. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX, Transunion and XXXX are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is XXXX XXXX XXXX XXXX XXXXXXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified. Which IS NOT TRUE. I would like this entry on credit report to be removed. Even XXXX XXXX Does not have it listed and XXXX can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPOTCY COURT which in my letter it states that THEY DO NOT VERIFY, VALIDATE, or 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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Wells fargo closed my account without any justification in the beginning and after two months they explained that my account was used in some unverified transections via XXXX, which were verified but for couple months without any explanation they eventually closed my 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 2023-03-29 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit 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 2023-03-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried to do a modification on my home the title were in my names, my mother pass it was just me on the title also I was marry but his name was not on title.When I spoke with Wells Fargo about a modification they told me my husband had to be on and then we made to much money will not understand that home was my and my mother we purchased the home in 1974 they turn my down and wouldnt help me get a modification so with that I lose my home, and to top it off wells sold the property for a little of nothing but I had to pay the state of CA {$100.00} back then not get XXXX XXXX  for the house.I hope someone can help me Thanks!!

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 2023-03-28 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX Balance {$19000.00} Balance updated XX/XX/ Original balance {$15000.00} Credit Grantor reclaimed collateral to settle defaulted mortgage

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 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have continually sent the CEO, of Capital One Bank requests for help with closing my MasterCard account and obtaining assistance with paying off my balance, unfortunately no help has been received. Please understand that with my wife losing her second job due to covid and us being forced to move during covid and our rent going from {$1200.00} to {$2500.00} per month we are both struggling financially. It does not help when youre struggling to pay all of your credit card debt, housing expenses and medical bills because of the diagnosis and testing for XXXX XXXX XXXX. It also does not help when I feel that your credit card issuer because of sheer greed acts worse than a local bookie continually charging and changing interest rates that make it impossible to pay or bring down the balance. I feel like Capital One continues to act in bad faith and take advantage of me. No one struggling to survive and having great difficulty doing so should be forced or subjected to such criminal activity and behavior by a bank. I am truly sorry that I ever decided to business with them and at this rate, with the amount Im being charged for interest and my inability to pay it, Im one step closer to filing for bankruptcy protection. The sad part is that I cant even afford the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Today 's date is Tuesday XX/XX/XXXX. Carrington Mortgage Services LLC have not paid property taxes from the escrow account of my mother 's mortgage since XX/XX/XXXX. The claim the payments keep bouncing back from XXXX ( Virginia ) City Treasurer office. Taxes are due XX/XX/XXXX or the home could go into tax lien sale and Carrington says they are investigating. I suspect they ( Carrington Mortgage Services LLC ) want the home back because there is a significant amount of equity... 

City of XXXX Tresurer office have not been helpful with assisting me with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX An authorized amount of {$3300.00} was sent to someone through XXXX under Bank of America. 
Multiple attempts were issued to this XXXX  account without Bank of America notifying me through text to send a code to authorize transaction. When I noticed money gone in my account I called Bank of America and filed a claim. They just rejected my claim and I reopened it because I did not authorize this XXXX 

Bank of America stated that they did not send me an authorization code to my cell phone number nor email- how was this transaction even done without me authorizing? Usually to a new person the bank sends an authorization code to confirm. 

Please help

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America requested my credit information for a credit check in order to qualify for a mortgage. I have not received the results from this credit pull. I asked last week 3 different times to send this information. They never responded to this request and recently asked permission to pull another check because THEY messed up inputting information the first time. How many mystery credit pulls do I need to submit to for a mortgage.

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 2023-03-28 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair reporting credit act XXXX XXXX aka XXXX account # XXXX violated my rights. 

Under 15 U.S.C 1681 section 602 states I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15U.S.C 1666B ( A ) 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 non-monetary relief
Consumer complaint received 2023-03-28 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair reporting credit act XXXX XXXX aka XXXX account # XXXX violated my rights. 

Under 15 U.S.C 1681 section 602 states I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15U.S.C 1666B ( A ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TX

Complaint narrative:
- US Bank representative called me, was rude, harassing, and threatened me. ( XXXX ) - XXXX from Social Media team called me. 
- Called me stupid, then threatened me with unspecified XXXX XXXXXXXX. 
- US Bank branch personnel were incredibly rude and nasty to me. ( XXXX ) - One lady refused to answer any of my questions. 
- Another lady butted in and started loudly and rudely talking at me. 
- That second lady ignored me altogether, chased me out of the bank, and accused me of yelling. 
- US Bank personal account fraud charges issue ( XXXX ) - I got a text about fraud charges, had to dig deep for ID for sender. 
- Checked my US Bank personal account, FOUR fraudulent charges. 
- Requested assistance via phone and in person several times, all refused. 
- Unknown deposit in business account ( XXXX ) - Unknown check deposit for {$100.00} XXXX XXXXXXXX - On XXXX, this transaction is not found at all. 
- Unable to reach a person via telephone for assistance - This issue has been going on for a long time. 
- The automated systems don't allow me to speak to a person- The automated systems say my information is invalid and hang up on me- The automated systems don't offer me an option for why I'm calling - Inability to utilize offered services - US Bank refuses to process my application for a personal or business credit card - They've said I need to unlock/unfreeze all three of my credit reports for 2-4 weeks, this is not acceptable to me.

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 2023-03-28 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:
Dear CFPB, I am submitting this complaint because Experian will not help me. I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and my recent credit report. I am writing to request that you enforce Experian to place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

Account name : XXXX XXXX XXXX XXXX  Account # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my Experian credit file. As you can see in my credit reports XXXX And XXXX have deleted and blocked these fraudulent accounts that were opened in my name. In fact, I did not send a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per section 605B where it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher of that information And also sections 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file. 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 2023-03-28 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: NC

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. 
XXXX  # 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 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 seven 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 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 2023-03-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
BJ credit card with capital one cancelled my credit card as I had XXXX 10 years ago. Law states only seven years. They cancelled without telling me finally after 45 minutes on phone admitted to me. I have XXXX credit score, never missed payment never late on any credit card or bank payment. I have not any any scapes with law since original XXXX ten years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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