vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XX/XX/ 15 U.S.C , 1681section 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 an 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 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 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: FL

Complaint narrative:
I contacted cash app Inc on XXXX  to close out accounts associated with my social security number ending in XXXX XXXX XXXX recognizing that an identifying certificate such as my social security number is associated with accounts I was refused the right to close all accounts associated with the social security number I requested that the counts be closed and all debts settled in good faith and a transfer of funds available to a new account that I designate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
There is two charges on my credit report from XXXX XXXX XXXX XXXX / I C SYSTEMS one for {$660.00} and the other {$440.00}. 

The dates open wasXX/XX/XXXX andXX/XX/XXXX. The company has negatively impacted my credit reports.. 

I have filed a theft of identify report and attached it a police report and updated the XXXX site with a theft of identify statement : XXXX XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$440.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$660.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Going through my credit report I noticed a collection for the amount of {$490.00}. I attempted to look into my files, being that this collection is displaying as a charge for a checking account. Evidently, I did not have any information or records tying me to this account or any relationship with XXXX XXXX, the original creditor. I reached out to Amsher Collection Services on XX/XX/2023 by postal mail requesting the debt to be validated. Upon validation, if even possible, my next step was to consult with the agency to see what resolution we can come to and if there is an option for pay to delete. It is now XX/XX/XXXX and I still have no response from the collection agency, and the collection has still been reported on my credit as of XX/XX/2023. Being that I still have no response, I feel that my consumer rights have been violated. Attached is the letter that was sent to the collection agency requesting validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My vehicle was repossessed on XX/XX/. I filed a complaint, through CFPB, regarding Ally Bank not providing me the information of opportunity to buy out my lease for my vehicle. Today, XX/XX/, I recieved a certified letter that the vehicle will go to auction " sometime '' after XX/XX/. Ally Bank has been given until XXXX XXXX XXXX  to respond to my first complaint filed through CFPB. It appears as though Ally has no intention of adhering to the XXXX XXXX XXXX  deadline. If they do, the vehicle could already be shipped to auction. 

Also, Ally Bank is required to provide me with the auction location and date that the vehicle will be auctioned. I have the right to bid on the vehicle and ensure that it is being sold at the appropriate value.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act the accounts listed below had violated my rights. 
15 u.s.c 1681 section 2 it states a consumer reporting agency can not furnish an account without written instructions. 

Please Delete the listed accounts. 
Disclosure ( Identity theft report ) 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: U.S. BANCORP
State: OH

Complaint narrative:
UsBank took XXXX atm charges out of my account in fees XXXX times in one month- they charged for their own atm fees- ( deposit and withdrawal ) they also charged me even when they were on the phone with me having me try again when it stopped working - fraud department blocked me from removing funds then charged me while they had me try to retrieve them - they also charged me ATM fees when they put a 10 day hold on my check unbeknownst to me- the online account said I had cash - but for some reason they denied it- not even the woman on the phone knew why/ - found a hold on my check - that could be removed by as early as Monday phone showed me having cash- but atm said I was negative - I had no way of retrieving funds and they continued to tell me to try again tomorrow - who would have thought it was charging me XXXX every attempt Called the bank and they can do nothing about the fees they cant even close my account because Im negative due to fees

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reviewed my credit report and I don't have ownership of a account with XXXX XXXX XXXX XXXX XXXX nor do I have a collection with XXXX XXXX XXXX. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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. I demand this account to be removed.

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 2023-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This decision has been made in accordance with the guidelines set forth in the Georgia XXXX XXXX XXXX. 

As a tenant, I faced persistent issues with noisy and disruptive neighbors at XXXX at the XXXX. Per the Georgia XXXX XXXX XXXX, it is advised that tenants first contact their landlord to address such concerns, rather than resorting to involving law enforcement as a first step. In adherence to this recommendation, I have made multiple attempts to address these issues with the apartment complex management and unfortunately have multiple police reports that have been approved by the county. I have attached the evidence and will forward over all videos that were requested to me by management if needed. 

Despite my best efforts to resolve these concerns through the proper channels, the landlord continually failed to adequately address the disruptive behavior of my neighbors. This has created an environment that is incompatible with my right to quiet enjoyment of the premises, as any ordinary, reasonable person would expect. 

In light of these circumstances, I decided to exercise my right as a tenant to terminate the lease agreement, as outlined in the Georgia XXXX XXXX XXXX. I provided a formal XXXX notice of my intention to vacate the premises. My last day of occupancy was XX/XX/XXXX, which was 60 days from the date of the letter. 

I kindly request that this collection account with TRANSWORLD SYSTEM INC and XXXX at the XXXX with a balance of {$3500.00} be removed from my credit report. Please contact me at XXXX or XXXX to discuss any necessary arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Scammed of {$75000.00} Hi! This is going to be a long story, and a bit confusing. But I was scammed out of {$75000.00}, and the individuals responsible were arrested this week. 

In 2022 I decided to sell my extra car because I was quitting my job to open my business and a {$1200.00} car payment just wasnt realistic. I posted my car on XXXX XXXX and eventually a buyer messaged me with a reasonable offer. I responded, we chatted for a couple days, and the transaction took place. 

Due to him being out of state, I called my bank directly and then I patched him in on a third-party call. He gave his information to the bank and the transaction went through. Im relatively aware of the scam, so I waited a few days to hand the car over. I called the bank and they informed me the funds had cleared, my loan account was closed, and the title was in the mail. 

2 weeks later, the same day I received the clear title in the mail, the bank called informing me that the loan account was reopened and they need me to return them my title. I informed them my car was sold and no longer in my possession. 

I called the police and filed a report, then called my insurance. Upon talking with insurance I remembered I have XXXX on the car. I found the car in XXXX and had it recovered by the PD. Many fees were accrued in the process, as well as damage to the car. 

Each time Id call the bank and ask for an explanation, the teller would look, go silent, stumble over their words, and inform me they can not speak on any details. They can only inform me that I am financially responsible for the entire amount remaining on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Im trying to move on with my life after someone stole my identity all I ask of this company is to protect my rights as a consumer in follow the 15 USC 1681 there should not be any damages on my report it is a defamation to my character Im providing proof of my address

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 2023-10-21 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: BMO BANK NATIONAL ASSOCIATION
State: UT

Complaint narrative:
BMO savings/checking account had several transfers going in and an ACH had processed for XXXX. The debit processed and posted, leaving account temporarily at a negative. The receiving merchant, XXXX XXXX XXXX, recorded the payment. No chargebacks or requests were filed on my end or merchant. 2 days later, as deposits were starting to post, the {$420.00} was posted BACK to acct and hold. I sent a detailed message to BMO regarding incoming transfers and the overdraft and asked why that payment had been rescinded. XXXX XXXX XXXX corporate office had the payment as POSTED and current. Their app showed now the acct was past due, even though the corporate office showed payment. XXXX XXXX XXXX forwarded the notice by me to their appropriate department with investigation # XXXX. I have been a timely paying customer for 5 years. This problem occurred when I switched to XXXX in order to attach bank to a family trust. I never heard back from BMO. 12hrs after I messaged in detail about why funds were being pulled back after posting, the BMO acct was closed without notice, with deposits in it. I immediately had my main bank cancel ALL out going transfers that had not posted. Unlinked BMO. Now I have pending transfers stuck in limbo. BMO never responded, answered my concern and notice. Just made the acct unaccessible and closed with money in it. XXXX XXXX XXXXXXXX never requested a return. I didn't request a return or dispute. I also had another utility payment sent back during this time. This caused merchant acct to go past due end of week after original payment, though overdrawn at the time, posted complete.

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 2023-10-21 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: PA

Complaint narrative:
several months ago, I requested that XXXX of the XXXX credit reporting agencies remove late reporting on XXXX accounts. Please see accounts attached hereto. 
The Credit reporting agencies have yet to fix this error, causing higher interest rates on 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 non-monetary relief
Consumer complaint received 2023-10-21 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: CAINE & WEINER COMPANY, INC.
State: KS

Complaint narrative:
Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response We have reviewed this complaint and our records. Our records reflect the account has been closed as 'Disputed ' in our office. We sent a request to the credit reporting agencies to have this account removed from the consumer 's credit report. We do not show a negative entry being reported, however, it may take the credit bureaus up to 45 days to reflect on the consumer 's credit report. As a 90-year old company, Caine & Weiner wants to help consumers in any way possible. We encourage the consumer to call our office at XXXX and ask for a manager for further assistance. We may also be contacted at www.connectcw.com It has almost been 60 days now, and Caine & Weiner Company has not removed the information they provided to the consumer report XXXX. " As a 90-year old company, '' how about keeping your word?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: Credit Karma, LLC
State: SC

Complaint narrative:
Tried to log into my credit karma account through personal questions and or email, however I'm being asked to send my personal information before they can change and update the phone number so I can regain access to the account. I was told that I would receive an email but the email was never sent to update the phone number. Since they're making the process a hassle, I told them to close the account and forward me my money that was left in the savings account. They told me it's unfortunate that they will not unless I give them two forms identification over the chat system. I declined. I'm the victim not the criminal and no I don't trust them to keep me information protected now that they have partnered with the tax company known as XXXX or XXXX XXXX, they probably would sell my personal information for a price.I provided the last four digits of my SSN and the current address to forward my funds. They are still being uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Going through my credit report I noticed a collection for the amount of {$360.00}. I dont recall owing XXXX, the original creditor any amount of funds. As an insurance company based on Florida law ( FL Statutes, Sec. XXXX ), it is required for the insurance company to cover the cost for windshield repair. Upon contacting XXXX, I was told by XXXX they would not cover the expenses of the windshield cost even with me having full coverage. Knowing the law and after trying to inform them of the law, I chose to part ways with the company. I reached out to Credit Collection Services on XX/XX/2023 by postal mail requesting the debt to be validated record of any dialogue between alleged debtor and supposed creditor. Upon validation, if even possible, my next step was to consult with the agency to see what resolution we can come to and if there is an option for pay to delete. It is now XX/XX/XXXX and I still have no response from the collection agency, and the collection has still been reported on my credit as of XX/XX/2023. Being that I still have no response, I feel that my consumer rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Applied for mortgage modification during COVID have been sent so much paperwork to fill out and send back that has taken two years I supply what they need and they say they need something else but they are reviewing the application now they have sent a right of first refusal to the XXXX I belong too giving them first shot at paying my loan so they can get my ground at the same time saying they are reviewing my mortgage assistance application

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 2023-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
SYNCB Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. One XXXX, SYNCB placed a negative action on my credit report and it is affecting my ability to attain new credit.

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 2023-10-21 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: FL

Complaint narrative:
XXXX Is an account Paid In Full and I would like to get it removed from my TransUnion Credit Report .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation