vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
I have been harassed by harassed and threatened by Moe 's Law Firm and XXXX XXXX  over a year now. They have shared private information that have been reported as identity theft. As a result as a consumer defamation of my character as well as being discriminated against due to false allegations. As a result I've been denied personal essentials home, car, basic needs as living soul. There's just no way that a corporation that is so corrupt place false inaccurate information to the CRAs on a constant basis remain able to operate. My rights as a living soul have been taken from me destroyed in a place of sadness sorrow having nowhere to go from hear. Please know that I crying out for help and justice inn this matter. This is my finale plea for those that can will and can assist me to be free from the cage that XXXXXXXX XXXX and Moss Law Firm have placed me in XXXX. Their plans to ruin destroy to lie XXXX  is at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
XXXX XXXX, Michigan - We visited XXXX  Room in XXXX. We never received statement from them. When I contacted, always numbers are busy, one XXXX I got hold of them, they said no supervisors or managers available. I left a message for someone to call back but they never did. But the amount went for Debt collection. 

XXXX is same as XXXX XXXX same as XXXX XXXX. 

We are uninsured. We didn't get discount for selfpay. They expect us to pay full amount. Their policy for 20 % discount is only 7 days. No one can pay {$3300.00} in less than 7 days without receiving statement what we are billed for and it is accurate. They should have staggered due dates like less than {$100.00} one week ; less than {$1000.00} 2 -3 weeks more than {$1000.00} atleast 1 month from the date of paper statement received. Their policy is not practical and helpful for consumers. 

I received Debt collection notice from UCB United Collection Bureau. I called them and mentioned that I have never received the statements from XXXX before. They said they don't contact XXXX. Because they don't know them. UCB said they can not make settlement with me. But they can send itemized statement. 

Again, I called XXXX XXXX XX/XX/XXXX XXXX, it says if you received collection notice, press 1, when I press 1, it always comes busy tone. Then I spoke to someone out of state, she put the notes on the account to pull it back from Collections and said someone will contact me. Until XXXX  I didn't receive any response. 

I received a call from UCB on XXXX  XXXX at XXXX with an authoritative voice stating that we have sent the itemized statement did you receive it or not. I said I didn't receive it. I also told her that I contacted XXXX and they are ready to pull the collectin back. But she we didn't hear from them. I told her to give them sometime because I just called last week XXXX. I received UCB itemized statement on XXXX  XXXX. They didnt have patience to wait one or two days to call me. 
Again, I received lots of calls from UCB but I answered only XXXX in the XXXX, I told him I just spoke to them XXXX XXXX and notes are in the account. You can not call me everyday and harass me. They started my week on the edge ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
On or around XX/XX/23 I called Citizens Bank to add my Power of Attorney to my moms checking accounts. She is XXXX and unable to manage them herself. 

I live in XXXX XXXX and there is not a Citizens here. The person I spoke with told me I could mail a certified/notarized copy of the POA signed by principal guarantor with written instructions asking me to be added to Account Services. I could also have an agent bring these documents to a Citizens branch. 

I called a branch close to my mother and I spoke with XXXX ( the branch manager ) on or around XX/XX/23. I wanted to schedule my cousin to come in with the requested paperwork. XXXX said that he spoke with the legal department and they gave him a different answer. I needed to come into the branch myself with the original POA, drivers license and social security card with written instructions to add me. 

So XXXX instructions conflicted with the person I spoke to on the XXXX number. But I booked a flight for XXXX. 

On XX/XX/23 I went to XXXX branch ( XXXX XXXX XXXX ) and brought all requested paperwork. I waited 3 hours. The new branch manager ( XXXX ) told him that he was told by legal that my cousin ( previous POA ) needed to be present. 

This was the 3rd answer I received on how to add myself as POA to my moms account. My cousin was out of town and I brought a signed statement from her, but it was not enough. 

I asked XXXX if my cousin could come in on her own when she returned to town. After all, he had verified me and the paperwork. He agreed that sounded reasonable, so he said he would call me the next day. 

The next day ( XX/XX/23 ) XXXX called me to let me know that I needed to return in person with both my mom and cousin. This was the 4th answer I received on how to add me as POA on my moms accounts. 

Both my mom and cousin are having cognitive difficulties and nobody is currently managing her accounts. Citizens does not seem to have a clear and consistent policy on how to add someone as POA to the account. It seems to depend on the day.

I did everything they asked of me and flew across the country and still my moms finances are going unmanaged. 

I complained on XXXX to XXXX XXXXCitizensBank and someone responded saying they were opening up an internal complaint and would get back to me in 3 business days. That was 5 business days ago. 

I just want to ensure my moms bills get paid and her finances are properly managed and Citizens Bank does not seem to have any logical or consistent way to ensure that I am able to care for my elderly moms finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone using my information applied for a Capital One Venture card without my consent and also had a hard inquiry on my credit report. 
This was a fraudulent application

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account NumberXXXX  has violated my rights. Or list of inquiries 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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 2023-09-14 00:00:00
Product: Credit reporting 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone using my information applied for a XXXX XXXX XXXX card without my consent and also had a hard inquiry on my credit report. 
This was a fraudulent application

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I'm submitting this compliant due to the negative information that Early Warning Services , LLC has reported in my banking report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 

Description of Dispute : Early Warning Services is reporting multiple negative accounts with my personal information such as, XXXX XXXX XXXX : Incident date : XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX reporting a negative balance of $ XXXX. 
XXXX XXXX : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX. 

XXXXXXXX XXXX  : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX Fee reversal : $ XXXX. 

XXXX XXXX : Open date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting an Overdrawn account. 

XXXX XXXX : Open Date XX/XX/XXXX, Closed Date : XX/XX/XXXX Banking Routing # XXXX, Account # XXXX. Account Status : Closed for Cause-Purged of XXXX XXXX : Open Date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a closed account. Reason for dispute account was never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ollo credit card / Ally bought out from. I been customer for over 5 years I closed my account do to ridious interest rate that is XXXX percent been trying to lower for 2 years have not been able to offer anything with lowering the rate. I closed the account made agreement XXXX for automatic payments out of my checking account. Payment was made on XXXX XX/XX/XXXX. I received a letter notification on from my bank that insufficient funds of XXXX on XX/XX/XXXX and charge me XXXX funds were unavailable. Friday XX/XX/XXXX I went to my bank institute the following week and investigated that fraud took place. Ollo credit card went into my account directly electronically from their end produced a check took out funds without my permission from my bank. The check was not sent from XXXX federal bank that is my band. This is when I realized my own credit card ollo did fraud activity. I had to freeze my account and open another checking account. My own credit card company did fraud!!!! I contact them the same day on XX/XX/XXXX they actually said the i did automatic payment from my account for XXXX. I told them that is impossible that fraud took place. So now under investigation. I closed the account already made agreement to pay automatically out of my account XXXX monthly XXXX of every month. I want to report them. My trust is gone. Customer service is rude!!! I never received phone call or email since the XXXX. I keep getting mail owing money from ally credit card. that my account is passed do. When I already set up this agreement. I have still not received anything in the mail about my account about the fraud as of today is XX/XX/XXXX. They are a mafia bank they are not legit in anything that is said or done. I feel this fraud was done inside the company. I do not want to do business with them anymore. They need to be audit. They are not about the people. Please look into this

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MN

Complaint narrative:
I received a notice from EdFinancial Services dated XX/XX/XXXX stating that my new monthly payment amount will be {$660.00} under the SAVE Plan. This is significantly higher than the amount that was estimated when I used their online tool to predict what my monthly payment would be. I believe an error was made in the calculation and have been attempting to contact an EdFinancial representative since XXXX to verify if a mistake was made. 

I attempted EdFinancial 's Customer Service Representative via telephone on XXXX at XXXX and XXXX. Wait time was estimated to be over 500 minutes both times. I selected the option to be called back and was told via automated message that I would receive a call back after XXXX. I did not receive a call back until XXXX on XXXX, which I missed. No voicemail was left. 

On XX/XX/XXXX I attempted to contact EdFinancial again at XXXX and the estimated wait time was again over 400 minutes. I was unable to reach a representative. 

On XX/XX/XXXX I attempted to contact EdFinancial again at XXXX and was given an estimated wait time of XXXX minutes. I remained on hold for 2 hours and 6 minutes until I needed to hang up to bring my son to an appointment. I received 2 missed calls from EdFinancial during my son 's appointment at XXXX and XXXX. No voicemail was left. I attempted to call back at XXXX and XXXX. Again, I was unable to reach a representative. 

This morning, XX/XX/XXXX, I called EdFinancial at XXXX, 12 minutes before they opened. I was given an estimated wait time of 45 minutes. I have currently been on hold for 1 hour and 35 minutes.

Company response to consumer: Closed with explanation