vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
On XXXX XXXX I received a call from XXXX XXXX from National Credit Systems about a collection attempt from a past due rent amount that included other charges for XXXX. 
Through our conversation she was very argumentative and asked for a payment today. I told her I do not get paid until Thursday and I could not afford to make a payment until then. At the beginning of the call she made reference that they would report to my credit report if they did not receive payment. Towards the end of the call I asked directly if it was going to be reported to my credit report today and she said yes and I said so there is nothing I can do and she no... I then repeated that she has said at the beginning of the call that it would be reported if I didn't make payment and then she replied yes that is correct but you are not making payment. Then she back tracked and said she never said she threatened to report to my credit. She also called me in XXXX and I remember that I was busy trying to get my daughter ready for a funeral ( her grandfather had just passed away ) and I told her she called at a bad time and her first words were you don't even have time if it has to do with your credit report? LISTEN TO THE RECORDINGS!!!! I am not ok with the threats of using my credit report. She is also consistently insuating that I am lieing about what I am disputing and I do not appreciate someone who was not there to even try and discuss the issue at hand. When I asked to speak to someone above her she told me she is the person that handles the escalations and did not allow me to speak to anyone. I even tried to talk to her more calmly and she still went back to trying to argue the situation. Please do not allow this person to continue to treat people this way. Its not how you handle situations and you definalty do not threaten someone's credit report!!!! Again listen to the recordings!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
It is insane that I have to file this Complaint, but Wells Fargo 's complete and total disrespect for me, CFPB and the other entities that regulate WF makes this Complaint appropriate. I will not reiterate the underlying problem that was the subject of Complaint XXXX In short, in WF 's response to that Complaint, WF represented that it would pay me {$25.00} for its erroneous handling of escrow repayments. WF never made any payment to me. As a result, I filed Complaint XXXX, WF again responded it would pay me {$25.00}. WF has never made any payment. 
The {$25.00} is trivial. However, when looking back at the history of my Complaints, WF 's failure to pay shows its reckless or intentional conduct in setting up policies and procedures to delay payments owed to customers. Unless this conduct is investigated or WF faces meaningful consequences, WF will continue to treat its customers in this fashion. I request that WF be required to make the payment to me and that the proper entity investigate this conduct. 
I have never before filed a complaint about the conduct of a business.

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 2023-01-31 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
I was contacted by GC Services Corporation, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, United States about a Personal Loan Account with XXXX XXXXXXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX in the amount of {$3200.00}. 

There were repeated calls from a number that was not identifiable, and I finally called back. I spoke with an XXXX XXXX, who identified herself as being with GC Services Corporation - calling in regards to my XXXX account - she wanted me to give her personal information. When I would only provide the year of my birth- she wouldnt divulge any further information. She wanted my home address in " XXXX, XXXX " This is in direct violation of the XXXX contract. At no times can an Agent of XXXX give *any* portion of the members Personal Identifyable Information- which includes name, *any* portion of the full mailing address, or Social Security Number. By providing me the City in which I live, the agent violated my rights as a proud member of the XXXX family. I confirmed these rights as soon as I hung up with XXXX XXXX with a member of the XXXX Staff and asked him to document my file accordingly. 

I have fallen into very difficult times- which XXXX is keenly aware, as I have multiple accounts with them. In addition, I was a XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and am very aware of the FDCPA, and of the privacy laws that the industry is governed by. Just because GC Services has loosened THEIR standards, it does not change the fact that my rights were violated, and XXXX 's policies were not administered correctly by the agent. 

I am very seriously considering taking legal action at this point with my attorney, as this can not possibly be a random act by either this agent- or the company. I strongly suggest that XXXX request every call from this agent for call monitoring, and from the group that handles these accounts as well - as management must have grown lax for such a privacy breach like this to occur. 

I am open to negotiating a settlement of this matter before legal action takes place - either XXXX or a member GC Services management or legal team can contact me in writing at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or by phone at XXXX XXXX you must leave a message please, or call form a published number that identifies you - i will not answer blocked or private numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: DISCOVER BANK
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act this creditor, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2
: It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ann open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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:
FCRA violations : inquires not mine 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 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 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 XXXXXXXX.

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine 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 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 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 XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA

Complaint narrative:
In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only XXXX knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the XXXX web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all XXXX of my credit files with all XXXX major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I send a cashapp money transfer on XX/XX/XXXX at XXXXXXXX XXXX The transfer was sent to the wrong cashtag address. The payment amount was {$150.00}. I sent a screenshot text to the intended recipient immediately after sending the cash app transfer. ( I have attached an image of all screen shots, including an image of all cashapp support communications ). The {$150.00} dollars is still showing as a pending payment in my cashapp profile along with the {$1.00} request for refund that cashapp support suggested I send to the erroneous sender. 
I spoke to XXXX, a cashapp support person Monday morning XX/XX/XXXX. XXXX instruction to me were the same as the instruction i have forwarded in the support chat. 

XXXX instruction to me was to have the intended recipient reach out to the cash app support by phone to discuss the refund. The intended recipient had already reached out to cash app support and was told the sender should call for a refund. 

All cash app transfer are stored in my claimed file when they are claimed by the untended recipient. the {$150.00} remain as unclaimed in by cash app file. 

I feel this is a scam and cash app is making a fortune on unclaimed funds and not refunding unclaimed cash to the cash app sender. 

Thank you for your service to consumers in this country

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Original creditor : XXXX XXXX XXXX XXXX XXXX  : RASH CURTIS & ASSOCIATION I am disputing a XXXX XXXX  charge on XX/XX/2020, for the amount of {$1900.00} ( original medical bill {$1400.00} ). 

Because of my age, my doctor pressured me to get a XXXX XXXX XXXX Insurance should have covered this 100 % but it appears it was coded incorrectly. 

" The Affordable Care Act requires recommended preventative services, such as colonoscopies, be covered at no cost to the patient. However, strict guidelines are used by insurance companies to determine whether a XXXX  is categorized as preventative or diagnostic, which can impact your potential out of pocket cost '' " XXXX XXXX  Screening : Patient is XXXX ( no present gastrointestinal  ssymptoms ), is age XXXX or older, and has no personal history of XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX. A XXXX  has not been performed within the past XXXX years. This is usually a routine screening XXXX  and covered by most insurance plans. '' This was the case for me. 

This medical collection account needs to be removed from my credit reports. In addition, Rash Curtis and Assoc. also has two hard inquires on my credit report they also need to remove. 

Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: NY

Complaint narrative:
9 Inquiries on my credit report that I did not authorize. 
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 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I would like to file a dispute upon me never happen to have an account with JPMorgan Chase of account balance of {$82000.00} dollars plus {$280.00} plus {$270.00} plus {$280.00} which I never open an account with Chase dating back from XX/XX/XXXX to XX/XX/XXXX and dating back from XXXX XX/XX/XXXX I've never lived at this current address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I did have an account with XXXX that's until someone stole my debit card please help me I do owe them XXXX I never had an account with XXXX XXXX I believe all this is fraud and I had nothing to do with it. please give me a phone call at this number XXXX so we can resolve this because I do need to open an bank account so I could start my own business and get direct deposit and various reasons or email me at XXXX I believe what I said is accurate and true. Wrong Banks wrong dates the only banks I've opened with was XXXX XXXX in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I currently have an open complaint with Transunion ( Please see notes in that complaint ) I contacted Transunion today XX/XX/XXXX to check on the status of my dispute. I was told by the agent that there has not been a reopening of my dispute and they were not working on any dispute. 

I informed them that they responded to CFPB on XX/XX/XXXX that " they were still working on my issue and should have a response shortly ''. Well they are doing absolutely nothing for this issue that I have claimed as fraudulent for the last 4 years. 

I was told XX/XX/XXXX after talking to a XXXX for several hours that he would remove this bankruptcy file but their system was down and I needed to call back tomorrow which i did but only to be put back to square 1 explaining the last 4 years and what currently happened to being told this will always come back Verified unless I get it espionage at the court ... WHAT PART OF I never file bankruptcy don't they understand. 

I truly need help this has been a nightmare for myself and my business has suffered because of the reporting of this inaccurate information. 

Transunion has dragged their feet every time I have disputed this and always gives me this generic letter stating this file has been verified accurate. But will not say who they are verifying this information thru. I found out today they use a company call LCI which is a Transunion company which means as the agent stated this will always come back verified because its in the system .... 

This is a violation of the FCRA. I have told them over and over this is fraudulent information they have on my file and I have requested it be moved for those reason. I have all the alerts - credit freeze and all to protect me now and I keep my credit locked all the time. 

I need assistance from CFPB to intervene in this situation as I feel TransUnion is not trying to hear what am saying as a consumer.

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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I contacted Wells Fargo regarding multiple overdraft fees that were charged to my account in XX/XX/2022 as a result of a {$14.00} purchase. They charged me {$35.00}, which resulted in a negative balance on my account, and then charged me compounding fees. This was not mentioned in their deposit agreement as XXXX of their standard procedures. I have attached the total fees charged to my account thus far. I even reached out to see if they could at least reverse some of the fees. I was refunded {$35.00}. I've attached some supplementary materials.

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 monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
My loan is due on the XXXX of the month, they call and harass me everyday. I miss my payment for XXXX due to financial issues. However I corrected my issues and was going to double up on my payment. They blocked me from sending my payment online because of XXXX weeks late. What kind of rights do I have. Everyone is having problems and we all are trying to deal with it. Why should these companies get away with harassment and threats if you dont pay. Them calling everyday does not make sense to me and it doesnt change the fact that I dont have it. Please help, so no one else have to go through what Im going through.. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: OH

Complaint narrative:
I received a hard inquiry to my credit report that I did not authorize

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 2023-01-31 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: Advantage Credit, Inc.
State: FL

Complaint narrative:
On XX/XX/2023 a copy of my consumer report was obtained under false pretenses by Advantage Credit Inc whom I did not grant permissible purpose, nor consent and such action is deem unauthorized by me the consumer. 

Advantages Credit Inc has subsequently shared my private consumer financial credit information with a third party ( XXXX ) after obtaining my consumer file under false pretenses. 

No extension of credit or firm offer or insurance has been provided to me as consumer nor appropriate evidence that granted Advantage Credit Inc with my express written consent and permissible purpose to obtain my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
XXXX closed my account in XX/XX/2022. And then had to do it again the account in XXXX XX/XX/2022. They finaly got the account closed. Or i thought it was closed. They reopened the account and charged to it and reported to credit agencies that I was payment was over due. witch drooped my XXXX XXXX by XXXX points. Have talked to customer service they transfered me to the fraud department, then I was transferred to disputes, and then back to customer service. They kept me in a circle jerk for over XXXX minutes. I finaly got fed-up. And went to you. I have checked online and there are hundreds of people that have complained.

Company response to consumer: Closed with explanation