vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GB Collects, LLC
State: NY

Complaint narrative:
Hello, I received numerous phone calls from this company ( GB Collects ). I asked them to please stop calling me at work. I wasn't sure what they were calling me about because I thought I had paid everything I owed. I then received a letter with my name and the name of an unidentified person. This person ( XXXX XXXX XXXX ) is unknown to me and has never lived at my address. I don't know if they are contacting this person at my address or why my name is even associated with them. I'm also concerned that this person is receiving information with my name associated with it. I consider this a great violation of my privacy. 

As soon as I called them back and inquired about this error, they gave me the phone number of the worker responsible. I called this person and left two messages. Neither was returned.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-12 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-12 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
As I review my credit report, I see there is incomplete and inaccurate information. The errors that I've found : payment history is missing, date of last activity is not recent, date of first delinquency is missing, monthly payment and terms are also missing. Please correct or delete this account from my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: TN

Complaint narrative:
Received an email from XXXX on XX/XX/23 stating to look into my XXXX portfolio. I clicked on the link because I was wondering what was going on. I KNEW I didnt have a loan with them. After getting access to the account I saw some information was incorrect about myself and some was correct. I then tried deleting the account but was unable to and had to call a XXXX number. I have been on the phone twice with XXXX from XXXX today on reporting my account as fraudulent and both times have been put on hold then the call has dropped. Now, they wont even answer the phone. Its either a scam or the company as a whole is scamming people, but I dont appreciate my personal info floating around.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DriveTime
State: NV

Complaint narrative:
I XXXX XXXX walking to a drive time a few days ago I asked lady at the desk which identified as a general manager which later I found out was the assistant general manager her name is XXXX XXXX. but I asked her if drive time participates in truth and lending she said that truth and lending was a tick tock bad I informed to her that truth in lending was an actual act instead of laws that all dealerships must abide by because you guys all participate in it she then told me that if this is a way for me to try to get out of putting in a down payment for a car she won't be able to help me I told her that the down payment if not covered in the finance charge will be the determination of the finance charge however I'm coming in to make a consumer credit transaction I do have credit I was pre-approved so I know that I have the credit to purchase a vehicle without being discriminated against however this woman treated me like I was a child proceeded to raise her voice and cause a scene as if she wanted people to look at me like I was some lawbreaker or I shouldn't have the confidence and self love I should have for myself because she deems in necessary to break me down in front of all the society because I wanted to conduct a business transaction with a business and utilize the truth in lending laws I'm aware that a down payment is a decision of the creditor the bank is not the creditor the duties and obligations of a bank are to borrow money I'm a lender I'm a creditor and I came to lend in exchange for property however I was discriminated against for trying to conduct business within the lines of law and not fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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  XXXX XXXX XXXX XXXX AMOUNT {$4600.00} ACCOUNT NUMBER - # # # # # # 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

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 2023-01-12 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 XXXX  XXXX XXXX XXXX XXXX AMOUNT {$4600.00} ACCOUNT NUMBER - XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  totaling {$3800.00} were made using my Chase debit card from an XXXX XXXX which used facial recognition. I have never owned an XXXX I have an XXXX  and have since they came out. Chase has put the money back in and taken it back out XXXX times saying I approved the transactions. They were all XXXX made same day from XXXX XXXX XXXX and I live in XXXX Chase refuses to settle my complaint even though I have submitted phone records showing apple phones, XXXX XXXX XXXX showing my debit card. I need this money back in my account and they just transfer me around with no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I have an active account with Arvest Bank. 
I came to the bank and I asked for XXXXXXXX cash from my account. They asked me to sign a withdrawal cach request and they asked me to provide my ID. After that they asked me to step out of my car to see my face clearly. I got clos to the camera and they confirmed the identify my face. And they start processing the transaction. Then, they back again and they told me Sorry we cant help you the system is down. And they didnt give me my money. 

I ask them what should I do they said everywhere system is down and we cant give you your money. 

The Bank address was : XXXX XXXX XXXX XXXX, XXXX, AR XXXX, United States.

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 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I did file my tax jointly with my spouse, and we were expecting the first and second stimulus packages with the returns. I noticed an account number that was neither mine nor my wifes and I immediately brought it to the preparers attention, and he said he will sort it out immediately. I kept following up with the IRS for over XXXX months until I was told in XXXX that the refund had been paid way back in XXXX on the XXXX and XXXX, to a bank named XXXX Bank in XXXX XXXX. I was given the details and I obtained the Banks phone number and gave them a call. After so many attempts, I was told they had transferred what was due me to Bank of America, to the same account the prepare had used which was none of ours, and which he said he would correct. I immediately went to Bank of America with this information, and it was confirmed. To my shock and horror, I was informed by the Bank that the XXXX Stimulus package for myself, my wife and my son was also paid into this incorrect account. The monthly Child tax credits were also being paid into this same account. I requested XXXX Bank make a recall of the transfers and they confirmed that they had done that on the XXXX of XX/XX/XXXX. I went back and forth to Bank of America XXXX times and almost every time I was kept on the phone speaking to numerous staff but every time I was told they would get in touch with the account holder to get the funds out of his account since they can not pull it out of his account. I did find out the wrong beneficiary account holder 's name, phone number other details and gave the same to the Bank of America. Later in XXXX, I got a check in the mail for {$490.00} ( The sum for XXXX of the payments ) and XXXX Bank confirmed that Bank of America reversed only XXXX of the XXXX transactions. In total there were XXXX checks totaling about {$15000.00}, all XXXX stimulus packages for my son, my wife, and myself inclusive. I spoke to the IRS and I was told that the cheque would have been returned if the name and account numbers do not match. All efforts to get Bank of America to contact their customer XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, have not been forthcoming. Bank of America promised to get back to me when they get in touch with their customer but I have not heard anything from them since XX/XX/XXXX. My account no is XXXX with Routing number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
This complaint is against First Horizon Bank. The branch is located at XXXX XXXX XXXX XXXX, GA XXXX. The branch XXXX is XXXX XXXX. 

My husband and I opened our business account years ago with Iberia Bank which XXXX XXXX has recently acquired. Our accounts have always been in great standing. 

On XX/XX/XXXX, I made a purchase at XXXX 's for {$140.00} and received a {$35.00} NSF for the overdraft. My XXXX XXXX debit card was linked to my XXXX 's account. I made the purchase out of the wrong account. I didn't realize it until about a week later and I also saw that our account was placed on hold. XXXX XXXX the branch manager also called me regarding the overdraft. I transferred the money immediately ( same day ) to cover the overdraft. During our conversation, she advised that we should close our account. She states, " We are hard to get in touch with, we should close our account, we barely use the account and it doesn't make sense to keep '' however every time she contacts me, I call her back. I have her number programmed into my phone. We have made mistakes and have corrected our overdrafts immediately.

I explained that we live very far from the nearest branch and have planned to close our account. Since we've had the account for so long we want to ensure all the vendors we conduct business with have been changed over to our other bank. I have advised XXXX XXXX that we are not ready to close our account. Over the last 90 days, we have received over {$15000.00} in deposits into the account. I have attached our bank statements for review. This is an active acct. 

Yesterday, XX/XX/XXXX, XXXX XXXX placed our account on hold again for the second time. The Our account is not overdrawn this is a tactic she is using to force us to close our account. I have complained to the Customer service center and have advised XXXX to give us additional time. A complaint has been filed with Consumer Financial Protection Bureau as well. As a consumer, I have a right to be treated fair. I also would like to add we have NOT had any suspicious or fraudulent activity on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-12 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-12 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: NJ

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand listed below be removed because the accounts According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission these accounts.

to furnish 1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX Account XXXX, XXXX Account XXXX Validate Account XXXX  Account XXXX XXXX. Validate Account XXXX XXXXXXXX Account XXXX Validate Account XXXX Account Number:XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account XXXX Validate Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
This is a continuation on complaint XXXX, new issues have been found. 
I thought the initial complaint regarding my VA loan assumption was resolved, however when I logged into the M & T online banking system to pay my mortgage for XXXX I was presented with the option of paying with the banking information of the couple who I assumed the loan from. I contacted the couple and informed them that their payment information was given to me with the option to pay one month, autopay, or apply extra payment to the principle. I have taken screenshot verifying this that are available on request. I contacted the couple and informed them as well as M & T. M & T has been informed multiple that they have a problem with their system confusing the old owners information with mine. We have had M & T send my personal information to their mailing address, pay their homeowners insurance and adjusting my payment to cover the cost, gave me the old homeowners insurance information and encouraged me to call XXXX and get a refund on their account. M & T has had multiple opportunities to review this situation, providing me the old homeowners payment information and the opportunity to drain the account is negligent at this point.

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 2023-01-12 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: NY

Complaint narrative:
on XX/XX/XXXX I file a dispute, with experian for the XXXX time, for a XXXX closed account. for errors with dates, payment history. The removel XXXX XXXX XXXXXXXX account to be removed off credit report was wrong also. So i recieved, dispute results XX/XX/XXXX and again for the XXXX time nothing was changed. the same information updated. And a - XXXX point drop, with experian on my credit report. This is not correct.

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