vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: UT

Complaint narrative:
In XX/XX/XXXX I attempted to log into my account on the card companies website. I received a message there was a problem with my account and to contact customer service. I emailed customer service who informed me there was a " temporary restriction in your account. '' They said they were unable to assist me via email and to call customer service. When I called customer service they were unable to verify me over the phone, and did not resolve me issue, including restoring my access to my online account and my ability to access money in my account. 

On XXXX XX/XX/XXXX I again tried to regain access to my account. I called customer service and spoke to four different agents who were unable to verify me over the phone or restore online access to my account, and therefore the ability to access the money within it. I gave them my account number and my card number. They asked me questions about the account such as the date and amount of last direct deposit. Seeing as I have not been able to access the account for years, I did not remember this information. They then forwarded me to the automated phone system, which asked for my card number or social security number. After entering it, I would get forwarded to an agent who would again be unable to verify me, and the cycle would repeat itself. 

I asked the agents if there was another way to verify myself or regain access to my account. They all said no, so i still do not have access to money within my prepaid checking account. I asked to speak to a supervisor. I was not connected to a supervisor and my issue was not resolved.

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 2022-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I took my XXXX son to the hospital, he then was transported from XXXX XXXX XXXX in XXXX  ca to XXXX XXXX XXXX  XXXX XXXX via med transport. At the time of service durning registration I had given both insurance cards for both me and my son. I then received a bill of XXXX. When I called I was gaslighted and told I did not have insurance and I was responsible for the bill. After sending proof of valid insurance again I was told it was to late to bill insurance and I was still responsible for bill. They continued to call and harass me and have hit my credit numerous times, charge off and hit it a few more times over the last 2 1/2 yrs. Regardless of the proof I provide theres no protections for my credit score they keep attacking. They cant bill insurance 6 months after date of service. If they had billed the insurance correctly and in a reasonable time it would of reflected that we both were covered up until XXXX XXXX XXXX 2020

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 2022-12-19 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Approx. XX/XX/2017, after reviewing the charges on my credit card, I became aware that I had been the victim of identity theft. I promptly notified Bank of America, reported the identity theft to the credit bureau and filed a police report. Despite timely notice, Bank of America continued to allow charges from foreign countries to accrue, despite the fact that I never visited these countries. The total amount Bank of America allowed to accrue is over {$600000.00}, despite the {$3700.00} credit limit and the timely notice of disputed charges. I had to hire an XXXX XXXX XXXX XXXX letters to Bank of America and despite the certified mailing being signed for, Bank of America stated it was received or was sent to the wrong dept. After resending the letter to the correct address provided by Bank of America, they stated the same thing after signing for the certified mail sent to the addresses they provided. I have personally physically went into the branch and filed a complaint to no avail. I was unable to purchase a new home because of the adverse reporting of Bank of America on 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 2022-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2022 Wells Fargo Account beneficiary fraudulently accessed our business account with another bank. They initiated a wire transfer in the amount of {$49000.00} to Wells Fargo account XXXX ( see wire transfer confirmation and enlarged pages ). This was fraud. Wells Fargo was alerted by our bank 's fraud team, bit delayed the response for a swift recovery allowing the fraud actor to withdraw the funds. The delay, which was not reasonable, provided an extended window of opportunity for the fraud actor to withdraw the funds. However, the issue should never had been able to transpire in the first place. Wells Fargo was negligent in its interactions with the fraud actor by allowing this account to be opened in the first place. Wells Fargo failed to take commercially reasonable steps to prevent the fraud activity. The account was opened using the name " XXXX XXXX XXXX Services '' out of California. A simple and basic record search with the California Secretary of State would have identified no such entity exists ( see 2-page screen shot of the Secretary of State website showing no such entity exists ). The negligent manner Wells Fargo sought a new account rather than taking its own policies for verification is further idiotic as the address for this fraud account actor is listed at XXXX XXXX XXXX, XXXX XXXX CA, XXXX. A basic " XXXX '' online search ( results attached ) shows this as a XXXX room shack property, certainly not reasonable to be an XXXX XXXX XXXX. Either of these methods used to take commercially reasonable efforts to verify the valid identity of this fraudster would have and should have raised concerned if in fact these were properly verified before allowing them to open the beneficiary account with Wells Fargo. Wells Fargo made no effort to responsibly act as a banking institution and allowed a pathway for fraud to occur to which I was the victim.

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 2022-12-19 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: VA

Complaint narrative:
Dear Sir or Ms : Over this past weekend ( XXXX XXXX  ), my wife and I submitted a mortgage application to determine our options in the purchase of a property here in XXXX XXXX XXXX I don't recall getting an opt-out option, but the credit bureaus shared our information with appears to be hundreds of lenders. My wife and I have each received more than XXXX calls each ( XXXX calls total ) just this morning. It is atrocious and unacceptable that the same institutions that we count on to safe guard so much of our personal information are turning around and sharing this on the back side with a hungry and depressed mortgage banking market. I have never in my life had such an experience - we need strengthened data privacy laws so that my personal information is not shared with other lenders without my knowledge. I will make the decision on whether to shop around for other lenders not the credit bureau. Your assistance with this matter and sharing options for how to change this would be much appreciated. 
Sincerely, 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 2022-12-19 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 submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX credit card account # XXXX has violated my rights. 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 end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AL

Complaint narrative:
XXXX leveraging True Accord debt collector is engaged in bad faith deceptive loan origination and debt collection practices. It is not possible to engage in the steps necessary dispute or negotiate a debt without personal information being used for enduring and continual marketing financial products with no ability to opt out. This makes it impossible to seek remedy for alleged debts without having personal information sold in exchange. The process is described here https : //www.notboring.co/p/trueaccord-unsexiness-as-a-moat " Once TrueAccord owns the customer relationship and has helped those consumers out of debt, it can begin to layer on additional financial services : partnerships with neobanks, debit cards, banking services. These are excellent businesses once the customer is in the door, but many attempts die at the hands of high CACs. TrueAccord is playing the long game, and has been for the past seven years, because it knows it can do well by doing good. 
Fewer consumers in debt, more consumers with access to financial services, more profits for TrueAccord. '' XXXX did not positively identify individual using their buy now pay later service and a loan was created in my name. The loan was not paid on. When the loan went to collections it was disputed via XXXX and XXXX credit report. The company provided no documentation showing the loan was valid and simply confirmed the loan. XXXX then advised to contact their debt collector to continue the dispute. Contacting their collection agency True Accord results in a new and permanent account with True Accord being created that market financial products from. XXXX never had consent to open the line of credit and therefore had no consent to give to True Accord for marketing of financial products to the non-consenting party. The current practices prevents the consumer from taking action on items reported to their credit report without unknowingly signing up for unwanted financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NV

Complaint narrative:
I have many request MANY TIMES to furnish proof that I gave them written consent for them to report the BANKRUPTCY on my credit report. 

BANKRUPTCY XXXX dismissed XXXX BANKRUPTCY XXXX dismissed XXXX BANKRUPTCY XXXX XXXX XXXX MY OTHER CREDIT REPORT FRON XXXX THERE IS NO BANKRUPTCY ON MY CREDIT FILE. THESE NEEDS TO corrected

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 2022-12-19 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I went to court for a credit card debt with XXXX XXXX also know know as Asset Acceptance XXXX XXXX XXXX and it was thrown out due to me being a XXXX XXXX  not making much money and this debt is from the XXXX XXXX XXXX. This company is now using another collection agency to come after me regarding this debt. I would like for this debt to be removed my credit and not be XXXX by the nor my family members any longer. This debt is over XXXX XXXX XXXX now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I made a purchase with a credit card they provided. The payment terms stated there would be no interest charges if the account was paid in full by XX/XX/22. When the time came to make the payment, their website was down with technical issues. I was unable to access my account to make the payment timely. I ended up resoting to making the payment via my bank 's bill-pay process but the payment was not received until after the due date. I believe the credit card issuer needs to accept at least some of the responsibility for the late payment due to the issues with their website and not charge the added interest charges as I made a good-faith effort to pay the account off on time. It should also be noted that, to this day, the online access to my account still does not work and I have not been able to access statements of my account for XXXX months. And they will not provide me with a statement in any other manner. Doesn't this violate banking regulations?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19 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: NC

Complaint narrative:
credit bureau keep reporting inaccurate information on my credit file. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 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 explanation
Consumer complaint received 2022-12-19 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: GA

Complaint narrative:
I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I hired XXXX XXXX XXXX as my attorney to represent me in this case in court, they got a settlement agreement for me which I signed and paid off already. I have the proof of the Judge dismissing this case as closed but my credit report still reflects the case as open, which s negatively influencing me. 
I need someone to help me with this I have attached the signed settlement, Order of dismissal, and Notice of completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NY

Complaint narrative:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the 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 2022-12-19 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:
I have submitted multiple disputes and FTC reports regarding these fraudule

nt items on my credit report that dont belong to me. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the 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 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX failed to disclose the Late payment deadline required to be disclosed.

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 2022-12-19 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: CA

Complaint narrative:
XXXX XXXX failed to disclose the Late payment deadline required to be disclosed.

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