vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 B : 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 non-monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: WY

Complaint narrative:
I had my tax return deposited into my credit, karma money spend account. When I had an issue with a charge on my account, I opened the dispute. Over the following 10 business days when speaking to Credit Karma agents, it was confirmed that I would receive a provisional credit on XX/XX/2023. This was confirmed by several agents and a supervisor on the evening of XX/XX/2023 I contacted Credit Karma again because no funds were made available on my account. They then said they had to escalate it to another department which will get back to me in 24 hours. It is now the XXXX I have filed several complaints about this mystery department that never gets back to me regarding my dispute, or the error of not providing a provisional credit. Upon addressing this issue, I have advised that Im aware that this is a violation of regulation E and I wanted to speak to somebody from the department that was handling my case. They said they are aware of what regulation E is, and informed me that they are not a bank. So I am now focused on an entirely bigger issue if they are not a bank who is handling my funds. They are associated with XXXX XXXX and online. It clearly states that ACCOUNTS ARE PROVIDED BY XXXX XXXX But XXXX XXXX declines any association with our account # s routing # s or savings # s. This raises A major issue as a consumer. What financial institution is responsible for mine and millions of others money? Credit Karma spend is taking no responsibility and XXXX  refuses to associate with those accounts. Im starting to believe that something fraudulent is happening with this institution, while misleading consumers that there a credited and insured financial institution. I need to know how to proceed forward. Im still waiting on a provisional credit while my dispute is being investigated, but furthermore wondering if I should get an attorney to take legal action to protect others from trusting there money with an unknown entity. Where are these account numbers issued from. What bank is responsible for our funds? And is this even Legal?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act DEPT OF ED / XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act DEPT OF ED / XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I contacted Progressive Management Systems on XX/XX/2023 regarding a statement they'd sent me. They told me that the current balance included several accounts. I requested substantiation of the debt since the statement they sent me did not include any details other than the total current balance. They never sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affiliated Management Services
State: MO

Complaint narrative:
THIS IS NOT MY ACCOUNT AND MY NAME WAS USE TO OPEN THIS ACCOUNT UNDER FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: CT

Complaint narrative:
I have reached out to The three credit bureaus and the original creditors to try and fix this issue and I either get hung up on or flat-out ignored. XXXX XXXX told me they were going to correct it and made me wait 10 business days to see the change only to get nothing and be flat out IGNORED! I sent out letters to them to correct this issue and have not heard anything in response to my letters. This is a violation of my rights as a consumer and is gravely impacting me. I was never late on this account and need this error fixed 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 2023-03-11 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: CT

Complaint narrative:
I have reached out to The three credit bureaus and the original creditors to try and fix this issue and I either get hung up on or flat-out ignored. XXXX XXXX told me they were going to correct it and made me wait 10 business days to see the change only to get nothing and be flat out IGNORED! I sent out letters to them to correct this issue and have not heard anything in response to my letters. This is a violation of my rights as a consumer and is gravely impacting me. I was never late on this account and need this error fixed 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 explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I received a notice on XX/XX/XXXX from Phoenix Fianancial of a balance billing amount of {$110.00} from XXXX XXXX from XX/XX/XXXX. I sent letter dated XX/XX/XXXX disputing to Phoenix Financial. Their notice states if write to us by XX/XX/XXXX we must stop collection on any amount you dispute until we send you information that shows you owe the debt. As of today XX/XX/XXXX, have not received anything but today derogatory activity from Phoenix Financial showed up on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Received attached mailing from Citizens offering a financial bonus for setting up a new checking and savings account. Opened a checking account on XX/XX/XXXX. Made two direct deposits on XX/XX/XXXX in amount of {$500.00} & {$15000.00}. 

Mailer says that accounts opened in XXXX that made the qualifying deposits would have {$300.00} bonus paid by XX/XX/XXXX. As of yet, this bonus has not been paid. 

Below is the record of my conversation with Citizens : Tuesday, XX/XX/XXXX - Called at XXXX ; was offered a call back due to high volume wait times; left number for call back - Received call back at XXXX from XXXX. Explained that I had not received the {$300.00} bonus with the account I had opened in XXXX. I was asked where I got the code I informed them it was a mailer addressed to me with my name on it. Was asked to hold as they looked at account history and contacted promotion department. After a few minutes was informed that a case was going to be opened and sent over to the research department. Case # XXXX and it would take 3-5 business days. 

Thursday XX/XX/XXXX - Received call at XXXX from XXXX that my case was reviewed and it was found that I did not qualify for the bonus since I had a previous account with Citizens back. That was all the information I was given. 
- I reviewed my records to see if I had an account that would disqualify me. I could find no record of having an account.Called back at XXXX ; was offered a call back due to high volume wait times ; left number for call back - Received call back at XXXX ; I stated I was calling to get more information on the previous account that was under my name since I had no records of it. I was told that there were no other accounts under my name and she did not understand what I was referring to. Explained again the information I had just received from XXXX. She put me on hold and looked again. I was told there was a savings account opened XX/XX/XXXX and closed in XXXX. I asked for the account number and was told that information could not be given over the phone. She then asked me who was XXXX? I stated XXXX is my last name. She said the account on file was listed as XXXX XXXX. I said I was not XXXX XXXX. I was put on hold again and informed that the account was either a savings or business account opened XX/XX/XXXX and closed XX/XX/XXXX. I stated again I was XXXX not XXXX. I was told because of this account I was not eligible for the bonus. I stated I would take this another route by reaching out to consumer protection financial bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11 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: SC

Complaint narrative:
I am told that i must get confirmation from the creditor who placed the information on my report but the creditor referred meto the the credit reporting agency. 

I am expected to go through extreme measures to remove inquiries that i do not recognize but it took them only a few seconds to place the misinformation on my report that was not confirmed by me. 

The reporting agencies are supposed to protect the consumer but it is clear that the their loyalty belongs to the those who pay them and keep them financially solvent. 

If the credit reporting agencies are no protecting the consumer, why do they exist. Maybe they should be disbanded or the inquiry reporting done away with so that it is no longer an impossible challenge when the consumer is faced with fraud and unauthorized inquiries.

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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am told that i must get confirmation from the creditor who placed the information on my report but the creditor referred meto the the credit reporting agency. 

I am expected to go through extreme measures to remove inquiries that i do not recognize but it took them only a few seconds to place the misinformation on my report that was not confirmed by me. 

The reporting agencies are supposed to protect the consumer but it is clear that the their loyalty belongs to the those who pay them and keep them financially solvent. 

If the credit reporting agencies are no protecting the consumer, why do they exist. Maybe they should be disbanded or the inquiry reporting done away with so that it is no longer an impossible challenge when the consumer is faced with fraud and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
The reporting company, PHOENIX FINANCIAL SERV, is violating my rights under HIPPA Law for account XXXX XXXXXXXX. I have reached out to them via mail ( see attached ) requesting information regarding the collection. I have not received a response from them with the requested information and it has been 30 days. That is grounds for removal for the reporting company and medical center reporting personal information without my approval. Witholding the information they received from any medical provider in an attempt to be HIPAA compliant is a violation of the FDCPA because they are deceiving me after my written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: GA

Complaint narrative:
XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My issue is with Wells Fargo they held my mortgage and already foreclosed and sold my home in XXXX  in auction the bank was extremely aggressive we had loss our income and the housing market was not helping our situation at the time when I purchased the home I had almost owned half the home and when I was being pushed out it was only worth what Wells Fargo wanted they wouldnt restructure and basically put me and my family on the street. I was hoping the class action suit they lost there was something for our family.

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 2023-03-11 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: IL

Complaint narrative:
15 USC 1681 C-2 15 USC 6802 XXXX XXXX  # XXXX Statement : Personal Statement A seperate transaction occurred between a third party i did not give any one permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. 

I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft

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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXXAccount number # XXXX ; U S DEPT OF EDXXXX : Account number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a5 ) 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.

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 explanation
Consumer complaint received 2023-03-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-11 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: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I see things on my credit report I dont remember using

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 2023-03-11 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: OH

Complaint narrative:
Under the 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] these creditors violated my rights XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Child Support XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AZ

Complaint narrative:
So I have been dealing with cash app with this for a month already I originally disputed there's about 85 different charges most of them are for {$5.00} some of those charges are duplicates or the company charged me twice or whatever but I'm not even arguing that point The fact of the matter is is the company which is XXXX it closed my account when I first told them that I was going to argue some of these charges and so therefore it took away all access for even the charges that I did make which were a lot of them it took away access to the platform therefore I no longer can even use the service and therefore I want all of my charges to be refunded so I did the dispute process with cash app and they immediately denied it by saying that the reasoning is XXXX it says something about I didn't contact them in 3 days but I contact them everyday and their support is just it's horrible they keep messaging me the same thing asking me for a good email so that they can tell me why they deny the charges and then when I give it to him they just message me with about one charge out of the {$85.00} and tell me that it's the same thing but I've never able to discuss anything or put it back into rebuttal or explain to them why I'm disputing this and why I want my money back I mean I can not access to website so therefore they just took all my money and and getting a hold of cash app anybody there that can help you is impossible I've been trying for a month everyday I have a message thread that's at least a mile long from just going back and forth and not getting anywhere

Company response to consumer: Closed with explanation