vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of america thinks they can steal my negotiable instruments and say there invalid, they had a blank indorsement, and idk why they are not letting me bank when all debts are prepaid.. and no one can pay anything only discharge and set off .. the fdic throws around XXXX of dollars at banks and i cant get a secured credit card.. 

how can i alter a postal money order when i purchused them also they must not know about the box rule, theres a box around the the purchase price .. means its not there.. also i submitted a claim for an expidited reclaim and they just ignore me. they said we had a contract and per the terms

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 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo did not apply payments correctly resulting in excess and incorrect late fees charged to 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 monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
Received phone call from Citizens Pay debt collection to collect a remaining balance of {$150.00}. When asked how is this when we paid off the balance of {$2700.00} in XX/XX/2022 the representative did not have supporting documentation to explain the {$150.00}! We were transferred to customer service to further investigate. Customer service agent called XXXX on a 3 way call. XXXX representative couldnt find supporting documents to explain the additional charge! XXXX was paid in full in XX/XX/2022 and should have been closed after 90 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
There is a debt showing on my credit report that was sent to I.C. Systems, Inc with ATT XXXX {$820.00}. I spoke with this company and let them know that this was an action of identity theft! They gave me all information which will be below regarding who, when, and what address this was taken place. I was told to do a police report and an online report with there company to get it resolved and taken off my credit. 

XXXX ( debt collector contact number ) XXXX ( debt amount ) XXXX XXXX XXXX XXXX Alabama XXXX ( address of service being used ) XXXX ( account number ) XXXX ( person who stole identity email ) XXXX XXXX ( date account opened ) XX/XX/2017 ( date account closed )

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 2023-05-16 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: TN

Complaint narrative:
XXXX XXXX XXXX  XXXX For years I have been asking the credit bureaus for assistance in the removal of inaccurate information from my credit report. I was a victim of misleading tactics by a dealer and ultimately predatory lending tactics by their lender. These tactics caused years of financial hardship all because I was forced into a loan for which I could not afford. Dealer personal not only made false statements to secure an approval but they provided in house down payments on my behalf and even made me believe I would get gainful employment, if I were to buy the car. All of which were lies. That's not why I am here. 

I made multiple dispute attempts and all of which were denied and I was again not given fair opportunity to address my case. I suffered years of financial hardships due to the malicious nature of the selling parties. Now as many years have passed I am once reminded of this event. That's not why I am here. 

This account mentioned about is aged over 7 years and should no longer be reported on my credit bureau. After multiple attempts to gain a solution XXXX and Experian denied any and all of my attempts to exercise my rights under federal law. 
This is why I am here.

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 2023-05-16 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:
In Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2023-05-16 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:
In Accordance with the Fair Credit Reporting act Covertgent Account # XXXX XXXX XXXX In Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Leviton Law Firm, Ltd.
State: CA

Complaint narrative:
On XX/XX/2023, Leviton Law Firm , Ltd., sent a letter trying to collect a debt I didn't owe. That letter gave me 10 days to respond, but the letter wasn't received by my office until XX/XX/2023, after the expiration of their unilateral deadline ( unfair act # XXXX ). 

I responded the day I received the letter, sending an explanation of why I don't owe the debt along with backup documentation. 

On XX/XX/2023, I received another letter from Leviton Law Firm , Ltd., which gave me five days to respond. That letter was dated XX/XX/2023, and it also arrived after the deadline ( unfair act # 2 ). 

On XX/XX/2023, I called XXXX XXXX at Leviton Law Firm, Ltd. 

Eventually, XXXX acknowledged my XX/XX/XXXX response but only after I mentioned it several times ( deception # 1 and unfair act # 3 ) and only after he raised his voice at me so loudly that I had to pause the conversation and decide whether I wanted to continue talking to him ( abusive conduct # 1 ). In pitched tones, he said, '' What? Do you think this is going away? This isn't going away. We've already started the process. You're already in the process. '' Initially, he called my XX/XX/XXXX email a " dispute, '' as if that made my email somethingless than a response ( unfair act # XXXX ). It was a response. The letter that I received on XX/XX/2023, started out with the comment " since we have not received a response from you .... '' That statement is untrue ( unfair act # 5 and deception # 2 ). 

XXXX didn't acknowledge the attachments to my response ( unfair act # 6 and deception # 3 ) until I asked point blank if he had looked at them. He then told me it didn't matter what I had to say because he had the records from XXXX  ( unfair act # XXXX and abusive conduct # 2 ).

I do not know what he meant when he said I'm " already in process. '' But, it was clear to me he wasn't attempting to resolve this matter. He was using scare tactics ( unfair act # 8 ). 
This is especially true because I told him that I spoke with XXXX  ( on XX/XX/2023 ) to make sure that both the policy I knew about and the strange reissued policy that I didn't know about were canceled at the same time. He refused to discuss the point ( unfair act # 9 ) and told me, in raised voice again, that it can take XXXX  30 days to process a cancellation. This is irrelevant because that is a procedural issue, not a cancellation effective date issue ( deception # 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
On XX/XX/XXXX I was served with a complaint in the XXXX XXXX XXXX in the State of New Mexico from Plaintiff Portfolio Recover Associates claiming that I incurred a debt with XXXX XXXX  and that Portfolio Recovery Associates were filing suit upon a debt owed. They included copies of billing statements from XXXX and XXXX but stated that they were NOT a debt collection company. Further, they did not submit any documentation showing I signed anything, no copies of my drivers license, nothing, it could be someone else 's bill with my name accidentally on it, there is nothing to show anything. 

On XX/XX/XXXX, I filed a motion for a more definite statement as I have no idea who these people are and do not believe that I signed up for or purchased a XXXX XXXX  account. I am still further confused as I have had no interaction, received no mailings, and had zero communication with ANY of the people stated in the complaint : no XXXX XXXX XXXX interaction, no XXXX XXXX  interaction, no Portfolio Recovery interactions. 

**I have a serious genetic condition and did not leave my house from XXXX XXXX under doctors orders, except to go to the physicians office or as directed bi-weekly for infusion therapy. Therefore, there is no way I did anything with anyone from XXXX On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX stating that THEY are collecting the debt for Portfolio Recovery Associates XXXX This is after Portfolio Recovery Associates filed a suit against me and their attorneys are listed as XXXX XXXX so who is on first, Portfolio or XXXX? At this point I am so confused as to what is happening. 

On XX/XX/XXXX I called the number listed on the letter XXXX and asked whether they were a debt collection company and they said YES. I then asked for them to explain who they were and how they got my information and the woman I spoke with told me to call " XXXX '' and then hung up on me. I do not know who XXXX is. 

On XX/XX/XXXX I sent XXXX XXXX, the people who sent me the collection letter on XX/XX/XXXX a Certified Letter ( and have the receipt signed that they received it ) Demanding that they Validate my debt and informed then that they have already filed a lawsuit on behalf of Portfolio against me in the courts without telling me who they are or how they even know me. I have not received a response from them. 

I am now being asked to pay {$200.00} to a Debt Owed and Due Settlement program in New Mexico as my case has been stayed as a result of this program, without these people even telling me who they are or how they know me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX called Home Depot Re : {$31.00} ( late fee, tax ) on my account. HD agreed to refund charges and tried to-they didnt know what was wrong ( I think it may have been due to needing a new a/c opened and mix up of numbers ) I was told to wait for a number that would be mailed from Citibank, or a call XXXX Nothing received XX/XX/XXXX called Citibank-after a great deal of time again assured the fees and interest would be refunded and to check in a couple of days to make sure of XXXX balance. I forgot to do this, after all the assurances. 
XX/XX/XXXX spoke to XXXX at Citibank for 51 minutes and was finally assured AGAIN that I would have a XXXX balance. Told to check balance on XX/XX/XXXX and it should be XXXX. The current balance is now {$64.00} I dont know what else to do I believe Other calls were made that were not recorded

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 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear PayPal XXXX, I am writing to appeal the suspension of my newly created PayPal account, registered under the email XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated, as I have not had the opportunity to conduct any transactions or use any of the features of your service. I am unsure of the reason for the suspension and would greatly appreciate an explanation. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: CA

Complaint narrative:
I did not authorize or benefit from any of the listed inquires. I also noticed 4 fraudulent accounts reporting to my consumer report. These accounts are reporting fraudulently to my consumer report because I the consumer gave no written instruction to any company to report anything onto my consumer report. This is a direct violation under title 15 U.S.Code 1681b ( a ) ( 2 ) and need to be blocked and deleted immediately.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I hav had a TransUnion credit reporting membership for approximately three plus years. Nevertheless, since XXXX of XXXX, I have stopped getting credit alerts and my account just lies dormant with an occasional credit score change. The only way that Im aware of this is by going into my account via the app. I pay {$26.00} per month for nothing more than a credit score change and to lock my report. TransUnion is just collecting my money without offering me any of the promised services for the account. I have called several times about this and each time I am hung up on when I continue to ask, Why am I not receiving credit alerts about basic information regarding new accounts that have been opened, credit line increases, payment status, credit score updates, etc. In addition, Customer Service is horrendous. Its so bad that it makes me reluctant to even call because the customer service representatives are so unprofessional, incompetent and inefficient.

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 2023-05-16 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: TX

Complaint narrative:
My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc. Please see the attached ftc report, XXXX data breach file number, and my proof of identity. Remove the 2 collection accounts and the inquiries listed on the 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 2023-05-16 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: TX

Complaint narrative:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc. Please see the attached ftc report, equifax data breach file number, and my proof of identity. Remove the 2 collection accounts and the inquiries listed on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
I've recently had my card stolen and some unauthorized charges to my Chime debit card. After receiving a deposit in XXXX, i saw a XXXX  charge for {$370.00}. I turned the card off immediately and saw later they were declined charges for for things.i tried disputing the XXXX charge to no avail. I had to use the card in XXXX, and turned it on and forgot to turn it off. Later I saw unauthorized charges at XXXX. The XXXX and XXXX charges are in addition to other smaller unauthorized charges that went through. After disputing the smaller charges and getting resolution for those, I was able to dispute the XXXX charge ( {$370.00} ) and XXXX charges $ ( XXXX & {$200.00} ) on XX/XX/XXXX. The money deducted has greatly inconvenienced me. I had to explain this to manager at the apartment complex I live at. They have given me until tomorrow XXXX XXXX to pay rent or the eviction process will begin. I explained this to Chime and asked for at least provisional credit while they investigate, so I will not be evicted. Chime says I have to wait until XXXX, XXXX but I do not have that long. I've called various times with no help. Provisional credit can be provided within 10days which can be before 10 days. I asked Chime for provisional credit which can be provided before the maximum 10days and they said I'm eligible to receive it but still have to wait until XX/XX/XXXX. I'll be evicted by XX/XX/XXXX ( tomorrow ) I'm requesting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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 non-monetary relief
Consumer complaint received 2023-05-17 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 response to consumer: Closed with non-monetary relief