vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
I paid a settlement agreement with this lender on XX/XX/2022. They are still showing the account as active with a past due amount on my credit report. I've requested this information to be updated as paid and updated on my credit report with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: PA

Complaint narrative:
I have had a Pa Eppicard for years. The card had read a balance of less than {$25.00} every time I checked it. I was told by XXXX XXXX in XXXX of XXXX after inquiries that the payments had been made in XXXX and there was over {$9000.00} in my account. So now the money shows up. I was able to take {$500.00} off of it and then no more. They had deactivated the card and told me I should have received a new way to go card. I told them I had never received the card. I was told they would " white list '' the card I had and that I would be able to use it. 2 trips to 2 different banks and many phone calls later I was still not able to take the money out. It the message coming back declined. Service agent XXXX at XXXX Eppicard stated it must be the bank declining it but also said the card was not active. In summary for more than a year they have through deceit kept money from me and when hiding it no longer worked they shut the card off under the guise of we sent you a new card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written 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 non-monetary relief
Consumer complaint received 2022-06-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written 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 2022-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank added a total {$33000.00} to the balance of a loan between XXXX without explanation or cause. They have been unable or wish not to explain the reason for these increases to the loan.

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 2022-06-28 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: OH

Complaint narrative:
Fraudulent accounts are in my report, I requested validation through the original contract but no contracts have been sent to me ever since. This request has been ignored as shouldn't be the case as the law states that I am able to request a contract between me and the company that I have allegedly had an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America cancelled my credit card after I had disputed several reoccurring charges that I did not make and ruined my near perfect credit. 

The first fraudulent charge dates back to XX/XX/XXXX until the first month of XXXX. An unknown and unfamiliar monthly charge kept occurring and I had tried to dispute these charges but Bank of America offered no assistance. 

I did not know I carried a balance on my card until I attempted to use it and found out that an accrual of unauthorized charges have locked my card. I did not want to pay the balance that I was told I owed because I rarely use my credit card so I first wanted to dispute the charges to see what my options were. 

I even tried to make an appointment to speak with someone at Bank of America only to be cancelled on at the last minute. 

No one ever told me my card might be cancelled or credit in jeopardy. I have been a loyal customer of Bank of America for several decades and I have worked hard to maintain the best credit score an individual can have.

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 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: IL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
My father had a personal checking account at Fifth Third Bank in Michigan and had passed away on XXXX. I have filed the proper probate paperwork ( Order of Assignment ) in Michigan and have certified copies of both the death certificate and order of assignment. I have contacted Fifth Third Bank at the branch I was instructed to based on where he had opened his account which is XXXX XXXX XXXX XXXX I have gotten the run around from them since XXXX and was even told I could reach out to " any branch '' to get this done and have essentially been ignored. I live in the state of Colorado and Fifth Third Bank is not in our state ( or even close ) so I am trying to get this taken care of from a distance. I even went up the chain to Corporate and the " Probate " contact and seem to be getting nowhere. There has to be a way to facilitate this long distance, but no one seems willing to figure it out. I have sent in copies of the documentation to XXXX branches to get the ball rolling, to no avail. What are the next steps I can do? They essentially have been holding the funds that I am lawfully entitled to and those funds are needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
As of today, XX/XX/XXXX, two mortgage servicer companies ( Shellpoint LLXXXX, XXXX New Penn Financial, XXXX NewRez Mortgage LLC ) and ( XXXX XXXX, under XXXX XXXX XXXX XXXX XXXX have been falsely claiming that our mortgage is several thousand dollars past due. In early XXXX, Shellpoint reached out to us and fraudulently claimed that the mortgage was several XXXX dollars in deficit, indicative of several missed monthly payments. No such debt was accrued, and this information is inaccurate at best, fraudulent at worst. In addition, Shellpoint continuously denied checks for payment, sending them back AFTER cashing them and not applying the amount on the check to the mortgage- we suspect this was done deliberately in order to set us up for foreclosure. 

Multiple times, we have demanded Shellpoint and XXXX XXXX correct these mistakes in keeping with federal mortgage laws, and multiple times, both companies have failed/refused to correct the information. As of today, XX/XX/XXXX, two notes of proof in the form of certified mail receipt are available to prove this. Any attempt to communicate by phone or email has ended in the phone call being terminated or email chain going dead. 

This is nothing less than an illegal takeover of our home. We have attorney representation. A prior attorney, in his own words, to the best of my memory, stated that it was the most ridiculous case of mismanagement or negligence in mortgage servicing he had ever seen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I called Citizens to close the savings account. The rep " processed '' my request and sent the remaining balance ( {$0.00} ) to me via paper check which I deposited at my credit union on XX/XX/XXXX. Today ( XX/XX/XXXX ) Citizens sent me an email explaining they will charge me a {$9.00} " monthly maintenance fee '' on XX/XX/XXXX. Also today my login and password still work! I can currently login to this " closed '' Citizens savings account and see a balance of {$0.00}. My only relationship with Citizens is via this " closed '' savings account which they bought from XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Law Offices of Goldsmith & Hull A.P.C.
State: CA

Complaint narrative:
The plaintiff is XXXX XXXX XXXX and they are represented byGoldsmith & Hull.I received a notice from my job concerning wage garnishment from this company about a credit card from 2001, if this is correct about a credit card why did they wait 21 years to try to collect $ XXXXthe original allegedly debt is $ XXXX XXXX  is no longer in business, if this filing on behalf of XXXX is true what is the statue of limitations in California, I asked them for a validation and they told me they will not provide me with one.The statue I was told is 3-6 years.Please help me with this matter, I am still dealing with the death of my wife who passed away in XXXX.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Starting date XX/XX/XXXX - present. Comenity Bank has been down. Can not log in to access information, can not make a payment and can not get any information of when the system will be back up. The two store cards I have currently through Comenity bank that need to be paid are XXXX and lane bryant, both of which can not be paid in store. I have no options and my due date is XX/XX/XXXX. I have been hearing other consumers stating that XXXXomenity has been marking their credit reports late for the issue that has originated from Comenity. I am out of options because I pay all my bills online and even have paperless billing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA closed my account without providing any good reason. They didn't provide the date when they will release the fund. This decision will affect any future products should I need to apply later. 

The Code of banking practice requires banks to act fairly, reasonably and in good faith. Since they didn't provide any good reason, I suspect I didn't get treated fairly

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 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WV

Complaint narrative:
Got a letter from Jefferson Capital Systems about an old XXXX XXXX account that was unpaid in the amount of {$77.00}. I dont owe XXXX any money, and my name on the letter they sent me is misspelled. When I had XXXX many years ago the account wasnt even under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In. accordance with the Fair Credit Reporting act XXXX  Account ( s ) 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 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 non-monetary relief
Consumer complaint received 2022-06-28 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 Account ( s ) 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 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 non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2022 XXXX XXXXXXXX XXXX XXXX  please remove fraudulent/ unauthorized inquiry off my report or provide proof in writing within 30days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
look up credit report see hard inquires that I didn't request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
First Bank responded, once again, my complaint does not belong to them. 

Then, how they explain their own First Bank letter from their own attorney, sent by First Bank as an official response, included here, where they assume all the representation of Banco Santander Puerto Rico, including in this case I presented, in spite the evidence shows is impossible, because the Fair Credit Reporting Act Violations where committed by Santander, as well as Fair Debt Collection Practices Act violations? 

My response to this question, is included, and is directly related to the sale of Banco Santander Puerto Rico to First Bank, who bought it for {$1.00} XXXX dollars. 

First Bank forgot their client, and probably many others, in exchange for this agreement of {$1.00} XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Hi- I was charged a payoff quote request fee of {$30.00} on XX/XX/23 1/ I think this was deceptive as I didnt know there was a fee to request a payoff quote 2/ The website payment fee schedule on the website says the fee should be 'up to {$20.00} ' 3/ I've had multiple mortgages in my lifetime and do not remember being charged any fee for a payoff quote

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 2022-06-28 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 XXXX XXXX XXXX Account # 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 : 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 non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
An chase checking account was opened in my name without my authorization. The bank is taking action on the account but told me to report the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
On XX/XX/2022 I noticed an unknown collection account being reported to the credit agencies. Immediately I took action and demanded the company in question to validate the alleged debt, cease communication directly and indirectly and cease all collection activity until the the alleged debt in question is validated and verified in accordance with federal law. I sent this notice via USPS certified mail ARTICLE # XXXX XXXX XXXX XXXX XXXX it was received on XX/XX/2022 by agent XXXX XXXX. National Credit Systems inc. has violated my Consumer rights as well as my rights to privacy. I Have no contractual obligation to this company and this company should not have my personal information. I did not give consent for this company to contact me or report any information negatively effecting my Credit Rating and destroying my reputation. National Credit Systems claims this account has been investigated and proven to be valid but has not provided any information on how it was lawfully investigated. This company knowingly continues to violate my rights despite my dispute and efforts to resolve the matter.

Company response to consumer: Closed with explanation