vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am filing this complaint against Bank of America due to this business allowing my sensitive data to be illegally acquired by malicious parties to attempt to open a deposit account using my identity. This is called identity theft and Bank of America is facilitating it. I made several calls today, XX/XX/2023 to their fraud department who dismissed my complaint and informed me that I needed to go to a branch with two forms of ID. I will not go to a branch and expect this issue to be permanently resolved without further endangering my life ( about ten years ago, 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. As a result, they illegally, immorally, and unethically endangered my life by dispatching cops with itchy trigger fingers that threw me against my company vehicle while handcuffed and proceeded to physically assault me ). This is the reason I will NOT step one foot on BOA property. In addition to reporting this facilitation for identity theft to the XXXX, I am reporting BOA to the FCC, FTC, local, state, and federal authorities. 

I requested that my personal data be destroyed when I closed my accounts ten years ago ( clearly this was a lie and deception communicated to me by this bank ). I want this data destroyed immediately and a legitimate proof of destruction. 

I want all impact to my credit report to be expunged from my record. 

I have tried to communicate and work with Bank of America representatives to resolve this, however, they refuse to listen, care, or take action to remediate. Instead, they continue to insult my intelligence and attack me. 

I have spend about 4 hours trying to resolve this issue with Bank of America account representatives who refused to transfer the call to a member of upper management and actively chose to aggravate the situation. 
I am seeking resolution from upper management in 7-10 business days.

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 2023-03-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My XXXX XXXX credit card that I barely use had an unpaid balance ( {$15.00} plus late fees = {$43.00} ). The account was paid as soon as I was notified and I also closed the account. XXXX XXXX has now hit my credit report 3 times one with a XXXX balance entry despite the card being paid off and closed. I have contacted XXXX XXXX multiple times and the problem continues.

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 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I submitted a dispute to Experian, report # XXXX regarding an account that report on my credit report out of the blue. I was in the process of applying for a home loan and as a result of this negative account, was prohibited from moving forward. 

Experian continued to send generic letters stating that the account had been verified and would remain. 

So I reached out to the original creditor to gather more information about the account. 

In spite of Experian generic responses saying the account was verified and would remain, the original credit stated that they had sold the account to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX is not who reported this account on my credit report in XX/XX/XXXX, which caused the dramatic drop in my credit score. 

Clearly, Experian did not do a thorough investigation of my dispute. I am requesting the removal of this account entirely and the negative reporting.

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 2023-03-18 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: TN

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 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 2023-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance report my card XX/XX/XXXX in the morning I just looked up the repossession laws!! They sent me a notice that my car was going to be auctioned off it did not say where it did not say what time nothing of that sort they didn't even tell me where my car was at I had to ask several times over I have been in contact with these people often!! When I asked the representative where my car was located she hesitated like she didn't want to tell me and then she went off with some other subject I said no wait a minute I want I need to know where my car is at because I have valuable stuff in there that I need and then finally she told me where it was at I don't know who they think they are but they can not go against the Michigan laws!! So much is wrong with this auto loan completely my complete balance on credit acceptance website is completely different than my credit report credit acceptance account says it's open my credit report says it's closed there's so many violations here I'm sickened I am going to send them a pre-settlement letter I am going to consult an attorney I know I am right here and they are completely wrong and they know they are I have tried I am so stressed out I am just going to consult an attorney I already hired Lexington law firm to try to remove the repossession so I can get another Auto but going through all of this I know what the going rates are for what your credit is and it's sure not 22.99 % I can tell you that and the next auto loan I get I'm not going to let them work certain fees into my loan and plus charge me interest that's not going to happen simple and plain but I'm in it to win it I'm telling you I'm not going to stop

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 2023-03-18 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
MIDLAND CREDIT MANAGEMENT claimed to have completed a reasonable investigation with the furnisher of information and verified the account as reporting 100 % accurate. However, this account is still inaccurate and your company is still continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. Delete the accountMIDLAND CRED XXXX for inaccuracy, because this account doesnt belong to me, the creditor does not own this account, and the account was sold but still reports a balance. The account shows different creditor names. The date of the last payment reported is inaccurate and missing. I never had an account with MIDLAND CREDIT MANAGEMENT and you are in violation of my rights. I received notice from XXXX that they had deleted this same information. XXXX is inconsistently reporting this inaccurate information I am now requesting that you delete and stop reporting this inaccurate information on my consumer report because you are violating my rights. Delete this account immediately. MIDLAND CREDIT MANAGEMENT has violated my rights numerous times. 

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 states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section which 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 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.

15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt.

15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: DISCOVER BANK
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a potential violation of consumer protection laws by Discover Credit Card Bank on XXXX XXXXXXXX  for {$82.00} and XXXX XXXX for {$710.00}. Specifically, I believe that Discover Credit Card Bank has engaged in practices that violate the Fair Credit Billing Act, as well as other relevant consumer protection laws. 

In particular, I have experienced difficulties in disputing charges on my Discover credit card account. Despite following the proper dispute procedures and providing evidence to support my claims, I have been repeatedly denied refunds for unauthorized or incorrect charges. 

Furthermore, I have noticed that Discover Credit Card Bank has failed to provide me with clear and accurate information about my account, including interest rates, fees, and other charges. This has made it difficult for me to manage my finances effectively and to understand the true cost of my credit card use. 

I am concerned that these practices by Discover Credit Card Bank are not only unfair and deceptive but also illegal. I am therefore requesting that the Consumer Financial Protection Bureau investigate these practices and take appropriate action to protect consumers from further harm. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This company Credence Resource Management , LLC is appearantly working a scam on XXXX XXXX. I received a call from them on Thursday, XX/XX/XXXX. They claim to be attempting to collect on an Already Paid Debt, for ambulance service, dating back to XX/XX/2012! 

First off this debt ( ambulance service ) incurred due to a work related accident. This debt was billed to and PAID FOR by XXXX XXXX XXXX 

Now ELEVEN years later, Credence Resource Management , LLC is attempting to be paid a second time, in hopes that a XXXX XXXX XXXXXXXX XXXX XXXX  has forgotten the details and will render payment a Second Time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 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: TN

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 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 2023-03-18 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 explanation
Consumer complaint received 2023-03-18 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: VA

Complaint narrative:
XXXX XXXX {$0.00} : XX/XX/XXXX, XXXX XXXX {$0.00} XX/XX/XXXX, - these account are being reported wrong!!! demand them to be removed fruad demand them to be removed XXXX XXXX {$150.00} XX/XX/XXXX, XXXX XXXXXXXX XXXX {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1600.00}, XXXX XXXX {$9700.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX  {$500.00} these fraud account has affected my mental and emotional day to day living and I demand them to be removed

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 2023-03-18 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: VA

Complaint narrative:
XXXX XXXX {$0.00} : XXXX XXXX XXXX {$0.00} XXXX XXXX these account are being reported wrong!!! demand them to be removed fruad demand them to be removed XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1600.00}XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$500.00} these fraud account has affected my mental and emotional day to day living and I demand them to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: CT

Complaint narrative:
According to 15 USC 1681 XXXX XXXX XXXX XXXX violated my federally protected rights to privacy and confidentiality. 
15 USC 1681 602 A ( 2 ) states I have a right to privacy.

15 USC 1681 604 A ( 2 ) states consumer reporting agency can not furnish an account without written instructions.

15 USC 1681 605 ( A ) ( 5 ) states no consumer report can contain any of the following items of information : adverse items of information.

15 USC 1681 A ( 2 ) states that late payment reporting is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I NEEDED TO RENT A CONDO AT XXXX XXXX XXXX, SO I CHECKED AVAILABLE CONDOS LISTED ON XXXX. I REPLIED TO AN AD. TALKED WITH XXXX XXXX AT " XXXX XXXX XXXX'. PHONE # XXXX, EMAIL XXXX. SHE SENT ME A CONTRACT FOR THE UNIT WITH ADDRESS, UNIT # AND XXXX PICS OF CONDO. I SIGNED CONTRACT AND EMAILED TO HER. SHE THEN ASKED ME TO PAY TO SECURE CONDO. SHE TEXTED ME A LINK TO PAY HER VIA XXXX. I SENT HER FULL PAYMENT OF {$1100.00} VIA XXXX. SHE REPLIED IT DIDN'T GO THRU AND CREDITED/REFUNDED ME THE AMOUNT. SHE THEN ASKED ME TO WIRE HER THE MONEY TO HER " COMPANY ACOUNT : XXXX XXXX XXXX, NAME : XXXX XXXX XXXX, CHECKING # XXXX, ROUTING # XXXX. BUT I FOUND OUT MY BANK CHARGES {$30.00} FOR A WIRE TRANSFER, SO I TOLD HER I WILL TRY XXXX. SHE GAVE ME THIS ACT INFO FOR XXXX : ( ACCT NAME XXXX XXXX XXXX ). I HAVE NEVER SENT $ VIA XXXX BEFORE, AND DIDN'T KNOW WHAT INFO I NEEDED, BUT I THEN TRIED TO SEND HER PAYMENT VIA XXXX. XXXX COULDN'T SEND PAYMENT TO ACCOUNT INFORMATION SHE GAVE ME. SHE THEN ASKED ME TO SEND HER A WIRE TO " XXXX XXXX, ROUTING # XXXX, ACOUNT # XXXX ). SHE TOLD ME XXXX XXXX IS THE REALTY COMPANY SHE WORKS FOR, SO I WIRED HER COST OF CONDO FROM MY BANK ACT TO THE COMPANY ACT INFO SHE GAVE ME. IT STILL DIDN'T GO THRU. SINCE I COULDN'T GET THE PAYMENT INTO THE " COMPANY '' ACCT, SHE TEXTED ME TO WIRE IT TO HER AND SHE'D PAY HER COMPANY FOR MY CONDO RENTAL. SHE THEN GAVE ME HER PERSONAL ACT INFO AND TOLD ME TO WIRE HER ACT : XXXX XXXX, ROUTING # XXXX, CHECKING ACT # XXXX, ADDRESS : XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX. I SUCCESSFULLY WIRED THE {$1100.00} TO THIS ACT. AFTER THE WIRE WENT THRU TO THE ACT LISTED ABOVE ( I REC 'D CONFIRMATION FROM MY BANK THAT IT WENT THRU SUCCESSFULLY, INCLUDING THE {$30.00} FEE ), I WASN'T ABLE TO GET AHOLD OF HER ON EITHER TELEPHONE # I HAD FOR HER. I EMAILED HER BUT DIDN'T HEAR BACK. I SHOULD HAVE KNOWN BETTER ; KNOWN THIS WAS ALL A FRAUD, BUT IVE BEEN LOOKING FOR A CONDO FOR OUR VACATION FOR MONTHS, AND WANTED TO SECURE ONE. XXXX AND I WENT BACK AND FORTH FOR A COUPLE WEEKS, BEFORE I FINALLY WIRED HER THE . SHE WAS SO CONVINCING ; CALLING ME, TEXTING ME, FEEDING ME ALL THE INFO I WAS ASKING FOR ( SUCH AS WHAT COMPANY SHE WORKS FOR, ETC ).

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 2023-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
Debt from CAINE & WEINER was already paid and I had no knowledge or written notice from this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Paypal credit card ( synchrony bank ) reported balances to credit bureaus twice in one month, within a two week period. Balance was reported on XXXX XXXX XXXX for approximately {$56.00} and again on XX/XX/, for approximately {$270.00}. This has affected my credit score. I called when I opened card and was told balances would report when my statement ended on the XXXX  of each month, then it reported on the second day of XXXX. I called back and was told they report all balances on the XXXX  of each month. Then my balance was reported again on XX/XX/XXXX causing my scores to drop even more because I was under the impression that I would have until XX/XX/XXXX to pay cc balance down. The company has not been very helpful or able to clarify which date is reporting date.

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