vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I received a letter from Midland Credit on XX/XX/XXXX stating theyre trying to collect a debt that not only in 2019  was ruled identity theft but reported to CFPB. There is also a case with CFPB on them for attempting to collect this debt in a few years back. Now its 3 years later and theyre illegally attempting to use scare tactics to collect one something not owed to them. There is a legal affidavit filed for this and they are still trying to collect. Not only was a complaint filed for this but also illegal debt collecting practices over the phone and a letter was sent out requesting Identity of the debt collector, including name, address, and phone number The amount of the debt, including any fees such as interest or collection costs What the debt is for and when the debt was incurred The name of the original creditor Information about whether you or someone else may owe the debt They clearly cant understand whats going on because in XXXX complaint XXXX with a ftc affidavit attached they stated please provide one which was given to them already and the company they claim to have gotten from. Attached is a copy proving this was attached. They were also physically mailed this in 2019, had an attorney general report and have the XXXX cases to prove this was all provided and reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: CA

Complaint narrative:
THEY ARE REPORTING INFORMATION ON MY CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT.

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 2022-04-19 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:
THEY ARE REPORTING INFORMATION ON MY CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT.

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 2022-04-19 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: MS

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX Accounts has violated my rights. 

15 U.S.C 1681 section 602 A I have the right to privacy.

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has been sending harassing messages weekly, making false statements about speaking to my loved ones, and threatening to prosecute me about a debt. I will attach the most recent message below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: CA

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  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: CA

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  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-19 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: U.S. BANCORP
State: MI

Complaint narrative:
In XX/XX/2022, someone did obtain my credit report from XXXX without my consent ( fraudulent ). They also tried to get XXXX different credit cards fraudulently. 

This was done online. I believe that I know who did this. 

I need the XXXX address for the perpetrator so that I can get them out of my life... I just need proof. If you can't provide the XXXX address, at least tell me the city and state of the XXXX address. 

Pretty simple request .... don't protect the criminal, protect me instead.

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 2022-04-19 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: DISCOVER BANK
State: MI

Complaint narrative:
In XX/XX/2022, someone did obtain my credit report from XXXX without my consent ( fraudulent ). They also tried to get XXXX different credit cards fraudulently. 

This was done online. I believe that I know who did this. 

I need the XXXX address for the perpetrator so that I can get them out of my life... I just need proof. If you can't provide the XXXX address, at least tell me the city and state of the XXXX address. 

Pretty simple request .... don't protect the criminal, protect me instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was contacted about some arbitration civil court filing ''. When I reached out to them for the number they gave me to reach them. XXXX. 

They left a voice message to me and my girlfriends others PHONE number multiple times stating that " We have been retained by the plaintiff to process and facilitate a civil complaint. Which names you as a respondent. We have to perform asset in employment verification. But that is only if the preparation is needed for you to be served. In the meantime you can exercise your rights by having you or your legal representation contact mediation at ____________. Please keep in mind. If you fail to comply this will result in the forfeiture of your rights to dispute this matter and a complaint will be forwarded out to your local jurisdiction. Consider this your official notification. '' I called. They said " We are looking to speak with XXXX about this matter ''. To which I said how may I help you. They hung up. I called back. Another person answers. Same thing. Hung up. I keep calling back because I want to know what is going on and why this person is calling me. After 6 calls. The man from the original time ( XXXX ) answers. 

I asked who they were. They would not answer me who they were, who owned the debt. They hung up on me multiple times. That they were contacting me about collecting a debt with Wells Fargo. I again continued to ask them " Who owned the debt ''. He ( XXXX ) would not answer me that either. Then hung up. As they always seem to do when I have questions about who they are and why they are contacting me. 

I called back and our conversation got heated. I continued to tell them I have worked in Debt Collection and I want to know their organization and who owns the debt. They hung up on me again. 

I called back.. This continued until a full on argument. Where the worker said " If I wasn't lazy and paid my debt. He wouldn't be calling me ''. ON some old supposed debt that I'm not even sure is owned or real. I still can't get any answers from them and they told me " To have my lawyer call '' them. and hung up. 

That's when I came to this site to report it. I feel the number is specific to my case so if they number is called they will say it's for me. Unless they have caller ID associated with my number. But it is a real person.

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 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I opened a new business account with Bank of America on XX/XX/2022 and I ordered new computer checks, deposit checks and deposit stamps. I made online deposits of {$13000.00} on XX/XX/2022. On XX/XX/2022 I tried to log in to my accounts and could not and after spending hours on the phone I was finally told that they were closing my new business account and have place all the checks I deposited on hold for almost two weeks. They would not give me any reason for closing the new account just that it was decided by the loss prevention that the account was to be closed and they would mail me a check for the deposits I made after they cleared and any other moneys in the new account at some point. I had changes all my auto payments over to the new business account and had spent hundreds of dollars on the checks, deposit slips and deposit stamp with no explanation of why. My wife is a XXXX XXXX XXXX  of Bank of America and we have XXXX other accounts with them and she is also on the new business account we opened and we were told they may close the other account as well with no reason way. I don't mind going to another bank but all the time and money we have spent with no explanation. They have all of my money tied up this is not right

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 2022-04-19 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: GA

Complaint narrative:
Today my credit card account was closed. I did not receive adequate notice that my account would be closed. Nor did I receive a reason via mail or email on why the account could be closed. I contacted Capital One and they stated that they closed my account because of possible fraud. It stated that the method of payment was unverifiable but I have used the same bank account to pay my bill the same way every month. I submitted a XXXX payment on the XXXX of XXXX. I did not receive any notice from my bank or from Capital One stating that this payment was not authorized. The payment posted and credited back to my account just like it does every month. They did not reverse the payment or anything. This is unfair and inaccurate business. My account was in good standing and I never missed one payment since having this account. I am not even able to prequalify for another account which is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: NY

Complaint narrative:
I have contacted Equifax and have not gotten a response but I am a victim of Identity theft, I have 4 Inquiries on my report all in the last two years that are fraudulent. I have attached an identity theft report and my license to verify my identity. These inquiries are ruining my life and I cant be penalize for inquiries that are fraudulent, help me to stop the crime wage against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have a HELOC with XXXX. 

My interest rate has been at 2.24 % fixed up to this date. 
Although the amount of my principal has been decreased from {$110000.00} to {$83000.00} the interest amount I am paying is fluctuating and in some instances has been increased. 

For example : On XX/XX/XXXX, my principal balance was {$95000.00}, and the amount of interest I paid was {$170.00} at a rate of 2.24 %. 
On XX/XX/XXXX, my principal balance is {$83000.00}, and the amount of interest is {$170.00} at a rate of 2.24 %. 

As I demonstrated above The principle is decreased, and the interest rate is the same at 2.24 %, but the interest amount is increased. The amount of interest is fluctuating every month, and there is no reasoning behind it. 

I have complained to Rocket Mortgage several times, but they do not think this is a problem. They are very condescending and show me a formula, claiming this is different than the way mortgages are calculated. 

This is fraud. If the principal amount is decreasing, and the Interest Rate is the same how can they justify the differences in the interest amount every month?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
Spoke to supervisor about my apartment collection. They informed me that I would need a down-payment to be put on a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Opened a Citi Regular Checking account ( account number ending in XXXX ) on XX/XX/XXXX. Funded with {$5000.00} from an external checking account. Maintained a minimum of {$5000.00} in the account through XX/XX/XXXX. 

When I opened the account, there was a promotion with the following terms ( paraphrased ) : " Deposit within 90 days and maintain deposit for 60 days. Receive the following bonus tiers. Deposit {$2500.00} receive {$100.00}. Deposit {$5000.00} receive {$200.00}. Deposit {$15000.00} receive {$400.00}. Deposit {$50000.00} receive {$700.00}. Deposit {$200000.00} receive {$1500.00}. '' I confirmed with Citi vie chat on XX/XX/XXXX, that I would receive the {$200.00} bonus by XX/XX/XXXX. Chat transcript attached. After confirming via chat, I withdrew some of my funds and waited until XX/XX/XXXX. 

On XX/XX/XXXX, after not yet receiving the funds, I chatted Citi again. They again confirmed the details of the promotion and said they would file an internal complaint and review. 

On XX/XX/XXXX, I received a letter from Citi saying that they were not aware of any promotions on my account. Now on XX/XX/XXXX, I am filing this complaint with the CFPB. Still no bonus deposited from Citi.

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 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/XXXX I signed up for online access to a food recipe blog site. I did not receive any information from the site alerting me that the subscription would be automatically renewed. In XX/XX/XXXX, I received a new XXXX charge to my Bank of America credit card from the site. I went to the website looking for contact information and found a way to submit a message via an online form and through an email address. I used the online form and didn't hear back, so I contacted Bank of America to dispute the charge. BoA reversed the charge while they contacted the site owners. On XX/XX/XXXX, I received a text message from BoA to review the resolution in the online banking Message Center. What I found was that BoA reinstated the charge and provided the response from the XXXX site. The response from the site stated the customers are charged at checkout, but I checked out a year earlier. They also provided a log that showed an IP address opened emails from them and the BoA representative said that was proof enough that I owed the amount charged. The log did not contain dates for these actions or any information to indicate the IP address is mine. Also there was nothing indicating that I agreed to an auto renewal. The log did show an unsubscribe entry which, if that is my XXXX address, was probably when I tried to unsubscribe to their email using a link at the bottom of the emails. I am still receiving emails from the site and have no way to stop them. 
When I called Bank of America regarding the letter the person, I spoke with repeatedly told me that it was up to me to prove that I didn't agree to auto renewal not the merchant initiating the charge and that the log was proof enough that I owed the charge. The response was absurd and he would not put me in touch with anyone higher up to discuss the issue because they were too busy. He refused to give me his last name and then took my phone number to have someone return my call, but they have not. I asked the rep if the calls are recorded and said yes, so they can listen to the call if they want. I have attached files related to this matter. 
This is small money, but I can not be the only person that this type of thing is happening to. What if I pay the bill and this is charged again next year? Why should I have to initiate a lawsuit against the merchant to resolve this? Some people would not be able to do that, there needs to be broader consumer protection. Based on the information provided, I don't know how BoA can say they completed an investigation. The Credit card issuers should have to provide a better level of protection for their customers.

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