vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 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:
Company or Organization : XXXX XXXX  {$950.00} XXXX. XXXX, XXXX {$140.00} Company or Organization : XXXX XXXX XXXX {$370.00} all federal trade commission violations reason attached and : In its complaint, the FTC alleges that XXXX  failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. ... The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Debt collectors can attempt to reach debtors at their homes or offices.XX/XX/XXXXThe penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} XXXX per violation category, per year. Multi-million-dollar fines can be and have been issued.XXXX XXXX, XXXX all hippa and FTC violations

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 2020-05-01 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: I.C. System, Inc.
State: TX

Complaint narrative:
Company or Organization : XXXX XXXX  {$950.00} I.C. System, Inc {$140.00} Company or Organization : XXXX XXXX hospital {$370.00} all federal trade commission violations reason attached and : In its complaint, the FTC alleges that XXXX  failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. ... The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Debt collectors can attempt to reach debtors at their homes or offices.XX/XX/XXXX The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} XXXX per violation category, per year. Multi-million-dollar fines can be and have been issued.XX/XX/XXXX all hippa and FTC violations

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 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Ink from Chase credit card. A check was written payable to me for zero percent financing through XX/XX/XXXX. I wrote a check on XX/XX/XXXX ( that's when it was on the credit card statement ) but have no record of the check being deposited into any of my savings or checking accounts. My bookkeeper is working on my books for XXXX and noticed that the {$9500.00} was never deposited to any of my accounts. XX/XX/XXXX My bookkeeper and I called Chase and asked to get a copy of the front and back of the check to see who endorsed the back and where it was deposited to and they said they couldn't give us that information.Our first phone call the Chase employee said they couldn't hear us talking anymore and hung up on us, we called back and asked for a supervisor. The next Chase employee said the supervisors were in a meeting and that he would try to help us. We told him what happened on the first call and he was nice and tried to help us. In the end he said he couldn't get that information for us that we'd have to call the dispute department, they would have more details on the transaction. We called the dispute department which was a 50 minute hold time without success. They said they could not give us this information. I don't know if I dropped the check on the way to the bank and someone else cashed it or the bank didn't put it in the my checking account. I am XXXX years old and it's been difficult trying to get this resolved. That is a lot of money to not know where it went.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
** Out of network XXXX  assistance XX/XX/XXXX by XXXX XXXX was not authorized. Any bill is invalid. ** XX/XX/XXXX Date of service. XXXX XXXX of XXXX XXXX XXXX claims to have performed XXXX  assistance. [ I never saw him, never talked to him, never authorized him to do anything ] He billed my insurance XXXX and was denied because he is out of network. I never authorized him, only the primary XXXX who was in XXXX network. 

XX/XX/XXXX - received {$270.00} bill.Talked to XXXX XXXX, billing manager XXXX XXXX XXXX, disputed bill and requested documentation of my authorization for the service. No response. 

XXXX No contact from XXXX XXXX XXXX. 

XX/XX/XXXX - Unpaid bill reported to credit bureau. 

XXXX No Contact by XXXX XXXX or collection agency. 

XX/XX/XXXX - Noticed lower credit rating. Called XXXX XXXX XXXX billing about dispute. Phone rep told me the collections agency is Capital Accounts and took a note for XXXX, Account Manager, to call me back. Also said Provider, XXXX XXXX picks up messages once a month. 

XXXX No contact from XXXX XXXX XXXX billing or XXXX XXXX. 

XX/XX/XXXX - Dispute letter sent to Capital Accounts. Responded only with a bill, no documentation that authorized the billing. 

XX/XX/XXXX - Submitted Texas Department of Insurance complaint. 

XX/XX/XXXX - second letter to XXXX XXXX XXXX - XXXX XXXX, requesting removal of credit bureau filing to clear my credit because he has been unable to support bill with any response or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had fraudulent activity on my account, with my Wells Fargo Checking Account and they refuse to investigate in which closed my account. The amount XXXX, I have called on several occasions with agents telling me there is nothing they can do. This is now reporting on my credit report. I have had extensive communication with WF, with no help or support, this has been devastating as during this time, my family and I are are not in a good place with family illness.

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 2020-05-01 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-05-01 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: Total Card, Inc.
State: OH

Complaint narrative:
TOTAL VISA IS REPORTING AN ACCOUNT ON MY TRADELINES THAT I AM DUSPUTING. I SPOKE WITH A CUSTOMER SERVICE REPRESENTATIVE NAMED XXXX ON XXXX WHO STATED THAT THIS COMPANY DOES NOT HAVE THE ACCOUNT. IF THEY DON'T HAVE THE ACCOUNT HOW ARE THEY REPORTING LEGALLY?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have called this collection and they are doing nothing about this matter. I never even been to XXXX XXXX. I am not responsible for someone using my information. This is nothing but a fraud account. They think its ok to keep a fraud account on consumer credit when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: LEXISNEXIS
State: TX

Complaint narrative:
LEXIS NEXIS REPORTING PUBLIC RECORDS THAT I. OPTED OUT OF FTC VIOLATIONS BY LAW I HAVE THIS RIGHT!!!

REMOVE ALL PUBLIC RECORD INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My checking account with Bank of America had fraud in the amount of XXXX, they refused to investigate and remove the charges therefore, putting my account into a negative balance and closing my account. I have contacted the bank on many occasions, with agents refusing to help me. This has been damaging to me personally and financially. All I ask is that they remove the fraud charges on the account, they refused resulting in the closure of my account and damage to my credit report. Please I need help, and do not know where to turn for resolution.

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 2020-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX IS REPORTING AN ACCOUNT ON MY TRADELINES THAT I AM DUSPUTING. I SPOKE WITH A CUSTOMER SERVICE REPRESENTATIVE NAMED XXXX ON XX/XX/2020 WHO STATED THAT THIS COMPANY DOES NOT HAVE THE ACCOUNT. IF THEY DON'T HAVE THE ACCOUNT HOW ARE THEY REPORTING LEGALLY?

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 2020-05-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX IS REPORTING AN ACCOUNT ON MY TRADELINES THAT I AM DUSPUTING. I SPOKE WITH A CUSTOMER SERVICE REPRESENTATIVE NAMED XXXX ON XX/XX/2020 WHO STATED THAT THIS COMPANY DOES NOT HAVE THE ACCOUNT. IF THEY DON'T HAVE THE ACCOUNT HOW ARE THEY REPORTING LEGALLY?

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 2020-05-01 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:
XXXX XXXX REPORTING PUBLIC RECORDS THAT I. OPTED OUT OF FTC VIOLATIONS BY LAW I HAVE THIS RIGHT!!! 
REMOVE ALL PUBLIC RECORD INFORMATION

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 2020-05-01 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:
XXXX XXXX REPORTING PUBLIC RECORDS THAT I. OPTED OUT OF FTC VIOLATIONS BY LAW I HAVE THIS RIGHT!!! 
REMOVE ALL PUBLIC RECORD INFORMATION

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 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have repeatedly complained to Barclay Bank and via the XXXX XXXX XXXX : I am a XXXX  in the XXXX and my husband is a XXXX XXXX XXXX. We moved to XXXX in mid-2019 and have been experiencing financial hardship. I have demanded that Barclay Bank close my account, lower the interest rate, and place me on a financial hardship repayment plan : they have refused to do this, except for deciding to close my account and do none of the other actions. I did not give them permission to simply close my account : the closure was only authorized in conjunction with the other actions. My husband and I are attempting to get ahold of our financial situation and, during this pandemic, Barclay has repeatedly disrespected us by refusing to follow instructions, refusing to permit reasonable requests, creating bad faith arguments, and refusing to allow us to do what literally every credit card issuer of myself and my husband has permitted. I should not be subject to the arrogance and indifference of this bank, with respect to the XXXX XXXX salaries that both my husband and I have. I made a reasonable request of the bank -- to pay in full, but with lower interest rates -- and they have unreasonably refused.

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 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: MD

Complaint narrative:
Debt was charged off by the company XXXX XXXX XXXX in XX/XX/XXXX. Without my knowledge debt was re-opened by Debt Recovery Solutions in XX/XX/XXXX. The credit card only had a limit of {$500.00} yet it was reported to the credit bureaus as {$820.00} beng owed. Furthermore, DRS reported it a an overdue collections account in XX/XX/XXXX. Never once reporting it in XXXX or XXXX, yet reported it as 2 months overdue/late. How can you report a debt as late when ( a ) It is listed on my account as being charged off and ( b ) You don't have any agreement with me to pay said debt or payment plan in place ( c ) I don't have an account with Debt Recovery Solutions that I opened. This action has caused my credit score to drop 33 point in one week! This action is not legal! I demand it be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Received a phone call today, just recently added this phone number to my name. 
Did not answer the call and no voice message was left, however as it showed on caller I.D . to be a local number I called the number back. The message stated this was Portfolio Recovery and is a debit collector and attempting to recover a debit. How ironic, because I filed Chapter XXXX Bankruptcy last year and they were on the list of creditors. They did not attend the meeting of creditors in XXXX of 2019, and the Bankruptcy was Discharged in XXXX of 2019. When a woman came on the line she informed me the call was being recorded, good I told her because there is no reason for them to be calling me. Told her my Name, I completed Bankruptcy and they are making a mistake calling me and to NOT call my number again. 

This is a terrible organization, they even attempted to garnishee my wages even though they would told several times I was filing Chapter XXXX Bankruptcy. They even mailed my employer at the time the order to garnishee my wages. 

They need to held accountable for their actions, and maybe the call to me was in error. I will keep records of any further contact from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I SUBMITTED A DISPUTE TO EQUIFAX AND THEY SENT RESULTS STATING THAT THE ADDRESSES WAS DELETED HOWEVER IN THE SAME DOCUMENT THEY SHOW THAT THE ADDRESS IS STILL ON MY FILE. NOT SURE IF THEY HAVE MIXED MY CREDIT FILE WITH SOMEONE ELSE BUT THOSE ADDRESSES ARE NOT MINES. HOW COME THEY SAY ITS DELETED BUT STILL HAVE IT IN MY CREDIT FILE. IF YOU LOOK AT MY ONLINE SYSTEM IT SHOWS COMPLETED XX/XX/XXXX BUT IT STILL HAS THE SAME ADDRESSES ON MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
The Citizens Bank charged me over {$800.00} NSF fees for XXXX and over {$900.00} NSF fee within 4 month XXXX. I have talked to them several times and they said, that could remove some of the fees, which still left me a balance around {$600.00}. I called the bank and left messages of my situation. 

I had direct deposits from my checking account to pay bills, and all of the bills was charged many fee and returned back to the credit card company. In XX/XX/XXXX I got another job. I started to get back on my feet by making arrangement with the credit cards from my Citizen Bank account. However, the company terminated my employment because of the XXXX XXXX. 

I called Citizens Bank and kept them up to-date with my situation. However, they continue charged me many fees. Last XXXX I had XXXX XXXX XXXX, and had been previously laid off from XX/XX/XXXX until XX/XX/XXXX. My account was charge a {$37.00} NSF fee each time, plus {$30.00} thereafter until the bill is paid. 

I am a senior citizen, who have filed 2 months ago for unemployment and have yet to received any money ( State office is working on it still ). All of my living situation is passed " Urgent ''. Many of my credit cards have said they can not help me. They have no assistant and have closed many of my cards. Up to this crisis, I have never had a late payment in any of my credit card, and always paid everything on time.

Company response to consumer: Closed with monetary relief