vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reporting fraud on an address I have never lived at that is being reported on my Experian Account : XXXX XXXX XXXX XXXX XXXX, OK XXXX I have never lived at this address and it has never belonged to me. I request it be removed from my account immediately. 

Also, I have made several attempts to get all incorrect addresses removed from my Experian account.

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
on XX/XX/22 I deposited a personal check from another checking account into wells fargo. It went through no problem and cleared. On XX/XX/22 I tried to deposit another check and keeps giving me an error message. When I called the first two times the reps kept hanging up on me. The third time i called and got transfered to escallation team. She advise me that she doesnt know why it took one check but not this one since its drawn on same account. She said to go into branch but I live 4hours away from a branch. My account is overdrawn and have no way of deposting any money since they wont take my checks. 

I believe they did this on purpose so they could charge me overdraft fees. This is the second time since opening my account that this has happen. The only time I have gotten any resolution was filing a complaint.

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 2022-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
On or about early XXXX, Apex contacted me with regard to a debt alleged to have been owed. Exercising my rights under FDCPA I requested VALIDATION in a letter issued to them on or about XX/XX/2022. In that letter I also explicitly told them to cease any and all contact with me other than via mail. On or about early XXXX, they responded with information that a ) did not satisfy validation demand, and b ) made clear that personal medical records had been transferred to their possession a violation of HIPAA. I responded noting the violations, potential for fines of {$50000.00} per incident under HIPAA and demanded they cease contact. 
While the above was transpiring I continued to receive - and still to date receive - phone calls from one of their representatives, a " XXXX XXXX '', no doubt an alias, requesting contact. 
I explicitly in writing via traceable USPS delivery instructed them to cease contact with me via phone. In the XXXX letter, I explicitly told them to cease contact entirely. If they contact me again about this alleged debt that they did not remotely validate under the law, I will be filing suit and seeking damages for each and every phone call made in violation of my rights under FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear all, I had a settlement with American Express to pay my debt in 24 months. 
I did pay the settlement in full but on my credit none of the payment have been reported. Now it is still saying that I have to pay my debt in full on my credit report when I have received a letter saying that the settlement has been paid in full and no further collection efforts will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Since XX/XX/2022 I sent an International transfer of {$4000.00} to XXXX, but the beneficiary never received the money until today, I contacted PNC BANK for a refund twice and wait for XXXX, but they never refund the money to my account, every time I called they told me something different. the first resolution was stated that ; The funds were credited to the recipient on XX/XX/2022, they are unable to be recalled. 
I submitted another recall, but this time the resolution mentioned another date the recipient received the money which was XX/XX/2022. Their resolution is not clear to me, based on the receipt of the transaction, the money will be available on XX/XX/2022, how come it was already credited on XX/XX/2022? and also I remember I was on a phone call with PNC, they told me that the XXXX  XXXX XXXX refunded the money to my account that was not true, they saw that. I requested them to track the money for me but they never send me the tracking result. I wan na know the account number that they say the money was credited to, the name of the person, and the time, and date. 
My question is Where the money is Exactly because it was not credited to the recipient I sent it to?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I called American Express and talked to an agent in XX/XX/XXXX concerning the upcoming membership fee of XXXX and under recommendation of the agent I downgraded my credit card to blue cash. Later I was hit a promotion credit reverse of XXXX XX/XX/XXXX. I called American Express right away and under the advice of another agent I closed my credit account with American Express. After that I was charged with {$40.00} late fee plus interest monthly. 
My point is I accepted the downgrade offer from an American Express agent and she did not tell me that if I downgrade it, the {$150.00} promotion credit will be charged back to me. Please note it does not make sense, the membership fee is {$95.00} and the credit reverse is {$150.00}. No one would pay {$150.00} to save XXXX membership fees. 
The above is the proof that the agent did not tell me about the {$150.00} promotion credit reverse. Since it is American Express agents fault, I should not be liable for the {$150.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX I tried to explain to them that XXXX I was a victim of identity theft due XXXX data breach and had no knowledge of this account. They continued to report it even after repeated attempts to resolve the matter. As per the Fair debt reporting act, they are not allowed to report stolen or incorrect information that can potentially harm my credit. 

According to 15 U.S. Code 1681b They do not have a Permissible purpose to continue to report unverified information that compromises my identity by reporting inaccurate information on my credit consumer profile. I have reached out to them as well as, send them letters and they continue to ignore my attempts to Block the information. 
XXXX continues to violate the law. The law clearly states that. I went ahead and file a complaint with FTC as well. The Attorney General and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: CL Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX, & XXXX. XXXX XXXX does not have my consent to have and share my private personal information. 

Then, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX and date of XXXX delinquency as XX/XX/XXXX. How can the open date be after the date of delinquency. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: SC

Complaint narrative:
in accordance with the fair credit Reporting act XXXX XXXX XXXX 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 a 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 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 2022-11-16 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: SC

Complaint narrative:
in accordance with the fair credit Reporting act XXXX 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 a 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 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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022 I tried to transfer {$1700.00} from my personal checking account at Citibank using XXXX to my business account at XXXX. I used a wrong email address associated with my business account for using XXXX. The transfer failed and they are holding my money since XX/XX/2022. I have called Citibank many times. They sent me a letter that they have accepted my complaint on XX/XX/2022 but they are not releasing my money. I called them many times but they do not make my money available in my account.

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 2022-11-16 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: TX

Complaint narrative:
There are fraudulent accounts in my report, I have reported it to the bureaus, but I did not see receive any response. The accounts are damaging my credit and limiting my ability to obtain one.

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 2022-11-16 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: TX

Complaint narrative:
There are fraudulent accounts in my report, I have reported it to the bureaus, but I did not see receive any response. The accounts are damaging my credit and limiting my ability to obtain one.

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 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I discovered inaccurate information on my credit report and submitted documentation such as Notice of identity theft, a letter according to the FCRA SECTION 609, preliminary lawsuit as well as a FTC report. There are items on my report that I have not authorized/ and or consented to that must be removed. Transunion responded with a letter stating they will NOT block the information because they believe it to be accurate, which it is not.

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 2022-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: FL

Complaint narrative:
There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.

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 2022-11-16 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: FL

Complaint narrative:
There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
It may be a companies policy to report late payments to your consumer report. However according to 15 US code 1681 a paragraph 2 title exclusions sub chapter A 9 Transactions are not included in the consumer report.

A late payment is a form of transitional history, therefore it is a form of transaction.

So by reporting this to my consumer reports violates this law. So you are in violation of the Fair Quarter Reporting Act..

Please update late payments to paid or further actions will accrue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: VA

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 {$480.00} XXXX XXXX XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX XXXX XXXX = {$110.00} XXXX. XXXX XXXX XXXX XXXX XXXX = {$170.00} XXXX. XXXX XXXX  = {$950.00} XXXX. XXXX XXXX = {$300.00} XXXX. XXXX = {$300.00} All of these accounts has violated my rights as an consumer 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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:
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 {$480.00} XXXX XXXX XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX XXXX XXXX = {$110.00} XXXX. XXXX XXXX XXXX XXXX XXXX = {$170.00} XXXX. XXXX XXXX = {$950.00} XXXX. XXXX XXXXt = {$300.00} XXXX. XXXX = {$300.00} All of these accounts has violated my rights as an consumer 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My student loans were previously serviced by XXXX. I wanted to take advantage of the limited waiver opportunity and thus I applied for loan consolidation in XX/XX/2022. In XX/XX/2022, my loans were transferred to XXXX. During the transfer, XXXX of the loans inadvertently fell of the consolidation ( to this date it is unclear what happened ). On XX/XX/2022, I spent a lengthy amount of time on the phone speaking with XXXX, XXXX and Aidvantage. I was advised during those calls that XXXX 's consolidation is completed by Aidvantage therefore they were going to be the ones to assist with my issue. Aidvantage advised me to fill out a loan consolidation addition form since my consolidation was within the XXXX XXXX window which allowed for addition of loans to the initial consolidation. This was done and mailed to them ( Aidvantage ) as advised on XX/XX/2022. Since XXXX, I have tried to follow up on this consolidation without success. Every time I call Aidvantage, I have to re-explain my issues, have my calls escalated to supervisors then I am promised that the issue will be taken care of. I qualify for loan forgiveness at present. However, if my loans are not consolidated prior to my forgiveness date, I will only have this XXXX particular unconsolidated loan forgiven since it is my oldest loan. I have done everything I have been asked to do by Aidvantage and I feel like they are not following through with any of their promises. It should not take XXXX XXXX to add a loan to a previously approved consolidation.

Company response to consumer: Closed with explanation