vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX  Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) Account # 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 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 2022-07-12 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: OK

Complaint narrative:
I have sent SEVERAL LETTERS and submitted SEVERAL online disputes to have my Transuion personal statement REMOVED and fraud alert removed! I need ALL personal statements removed from my Transuion credit report. I also need ALL fraud alerts REMOVED from my transunion credit report ASAP.

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 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased a patio furniture set from XXXX on XX/XX/2022, for {$850.00} using my Capital One Quicksilver card, the patio furniture was delivered damaged on XX/XX/2022, I called in the same day I received it for some type of help for a replacement and I got no help from XXXX, so I made a dispute with my credit card, then I see on XX/XX/2022, while the dispute was still ongoing XXXX charged my card again so now I owe {$1700.00} total to my credit card for one purchase, when I called Capital One for help on the double charge they opened a separate dispute, after 2 months of countless hours on hold with Capital One providing them emails and documents, Capital One now says they have sided on XXXXXXXX favor for both disputes. 

Why did capital One side with XXXX : because XXXX provided a tracking # to Capital One to justify the 2nd charge.. when I looked at the tracking # XXXX  provided to Capital One as justification for the 2nd charge it is the same tracking # for the 1st charge, they used the same tracking # for 2 charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
the bank has not helped me with a charge back money they owe me back from a claim i had closed back in XX/XX/XXXX. the merchant is from XXXX for the amount of {$1900.00}. the money was returned back from the merchant and the claim was closed. on XX/XX/XXXX, the bank charged me back the money for it. temporarily credit was never issued. the bank takes fault for this transaction and promises me to return back my money but they have not.

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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Cashed a check on XX/XX/22. I was told there would be two holds after the next day deposit of {$200.00}. On the XX/XX/22 now they say that XXXX be the full amount hold, representative says because they can't verify the check. My check is from my lawyers office. I gave the accountant phone number to bank of America to verify the check. Still say there is nothing you can do with my money in your bank. This is way I don't leave money in the account. Someone needs to do something now.

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 2022-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX I lost my Job. I was unable to make payments towards my Bank of America FIA card service line of credit. The accound was charge off in XXXX of XXXX and sold in XXXX of XXXX. A couple months later I was contacted by XXXX and XXXX. I was offered a settlement but I was unable to accept the offer due to the fact I was still unemployed. They suied me and got a judgement against me. 
I tried contacted FIA Card Service to try and settle the account. I was not able to contact them so I contacted the law office of XXXX and XXXX. I spoke to a XXXX XXXX he was not willing to assist with me since a garnishment was against me they wanted a one time payment.

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 2022-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
XXXX XXXX filed a claim with XXXX XXXX XXXX insurance which is not my insurance company. They were presented with a XXXX XXXX XXXX at the time of the service and still did not get it correct. After a few months, they contacted me by mail with an invoice saying I am responsible for {$660.00} for the tests. Tried calling and could not get anyone to answer the number on the invoice but was rather referred to XXXX XXXX. After logging in and seeing the incorrect insurance, tried to correct it online but to this date, it has not been corrected even though a claim was filed and denied because of coding errors. I have made numerous attempts to contact XXXX both online and on the phone to no avail. I called my insurance company to try and resolve this and they have reached out to XXXX  and to XXXX XXXX, XXXX at XXXX XXXX XXXX who ordered the tests. I have made 2 trips to the Doctor 's office and supplied them with copies of XXXX 's invoices trying to get the claim filed correctly. Again, to no avail. After months of trying to get this issue resolved without success XXXX has turned me into a collection agency, Credit-Control LLC who called me and I told them that I disputed the claim because XXXX  has failed to obtain the correct coded for the procedures in question. The agent said she would show this as a disputed claim. A month later I get a letter from Credit-Control LLC which I will attach along with my response. Tried calling them last night and got on. the merry-go-round of will you make a payment, set up a payment plan or wait for an agent. After about 15 minutes I was told to leave a message and someone would return my call but when I did not leave a message, the call was disconnected. I then proceeded to send in a copy of their statement along with a copy of the EOB for the charges they were requesting payment for to XXXX. After multiple attempts to get this matter resolved, going above and beyond on my part, I get turned over to a collection agency. This should not be reflected upon my credit report as so many things now are based upon my credit score. Things like insurance rates, credit card rates, car loans and God only knows what else. One company 's inept business practices show not be an instrumental key to this horrific practice. Last check my credit score was XXXX with no late payments of any kind or negative factors reported.

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 2022-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/2022 I received a call which looked like it was from US Bank customer service about a possible scam or fraud on my US bank account using XXXX. I put the person on mute and checked the phone number to make sure it was a legitimate phone number, it was. It was the phone number listed on the XXXX search for US Bank customer service. The woman on the phone told me that it looked like there was a {$2000.00} charge with my XXXX account. I did not know what XXXX was at the time, I had never used it before. She asked me to open my mobile banking app and that we would look at it together. Thinking that it was someone from the actual US Bank customer service line, I opened my app. After opening the app, she asked me to click on the XXXX button at the bottom of the screen. When I did this my phone made the sound that sounded like money was being sent kind of the whoosh sound and immediately {$2000.00} was gone from my banking account on authorized by me. As soon as it happened she got very sketchy and immediately got off the phone. I hung up and immediately called my local branch and they helped me put a hold on my account and I went as soon as I could and reported everything. I was told to make a police report and have done that. I have been fighting US Bank since XX/XX/XXXX, we have open four different claims on this incident. US Bank tells us there is nothing that we can do except to sue the person that did this, I have no idea who did this because they called from a number that was US banks. I am at a loss of what to do now.

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 2022-07-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXXXXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
In XXXX of XXXX I was notified by Frost Bank that an account under my name was overdrawn. I have never had an account with Frost Bank, I called and they suggested to go into the nearest branch. I drove to the nearest branch, showed my ID and the lady confirmed that the ID used to open the recent accounts was definitely not me. She asked me to fill out the fraud paperwork online. I filled out everything asked for online and sent to Frost Bank, they open a fraud case, I even put a fraud alert on my credit bureaus. Shortly after putting the alert, I received a call from a dealership in XXXX, XXXX asking if I was at the dealership buying a car. I haven't been to XXXX in years, said my identity was stolen, to call the police, arrest the person at the dealership and that I wanted to press charges. Which they apparently never did and just let him walk out the door. 

I continue to receive collections notices from Frost in XXXX, I called on multiple occasions in XXXX to make sure that the case was being worked. Frost representatives confirmed it was, said to disregard the collections letters, that " it takes time for all the departments to get notified '' and that nothing is hitting my credit report. 

I few weeks ago, in XX/XX/XXXX, I received a collection letter from a third party debt collector for the amount owed to Frost Bank. Frost Bank has now sold the fraudulent debt to a third party. 

There is clearly an internal process within Frost Bank that is broken, a company of that size should have Fraud processes in place to freeze collection practices on fraud accounts and when the fraud is confirmed, the credit bureaus are cleared of the inquiries, collections, and past due amounts. 

-Over the past year, I have received multiple collection letters from Frost ( months after they were first notified of the fraud ). These letters should not have happened if Frost had a competent Fraud department. Is Frost just trying to get the victims to pay the debt so the victim can protect their credit history? 
-Frost open bank accounts in the wrong persons name, Frost should have better due diligence on account openings. 
XXXXFrost sold the illegal debt to a third party. Why would Frost sell debt with a Fraud alert?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello! Good morning I receive a personal letter from Wells Fargo stating that under my name XXXX XXXX, they had to pause my account, due to someone opening it under my name. I do not know HOW they did this, because I DO NOT have a personal checking account with Wells Fargo! It said any further deposits has been blocked.

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 2022-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Made a purchase on XXXX using paypal for payment. purchase date was XX/XX/XXXX and the purchase was for {$470.00} XXXX order number on XXXX is XXXX paypal states in their disclosures that they change the currency rate daily but they do not change it daily. they leave it the same for weeks or months at a time. 

As of yesterday the value of the us dollar to the XXXX was approximately even, give or take a cent. 

The exchange rate they provided was XXXX XXXX less than the actual value of it should be and that is the same amount they had XXXX months ago. 

So they are not changing it daily as their disclosures state and they are ripping consumers off, pocketing the difference and not be ethical or even fair. 

When the customer service rep who I spoke to put me on hold to transfer me to a manager like I asked I was hung up on. 

Then to make matters worse, I was sent an email supposedly including the disclosures for international money transfer fees, etc but the email and only email sent to me was for an alert that my account was accesssed from anothe mobile device which was not accurate and seems like a fraudulent way to conclude the phone call by the representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 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: CA

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the account numbers are inaccurate, open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate, last verified is inaccurate, creditor type and creditor remarks in inaccurate. This is grounds for removal they also violated my rights under 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 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I've been looking to dispute with this for a while but wasn't sure how or to whom. In XXXX I thought I was donating {$500.00} to a non profit school  that turned out to be a scam and requested a refund from receiver and the company to contact the receiver because me still thinking is legit wanted to file taxes on what I did. I honestly waited because the communication and lack of options to turn to became overwhelming. I've disputed others but my main complaint is not just receiving proper communication but also their representatives not giving accurate or informative resolutions, Ive had two smaller disputes with them that they clearly needed to credit me or resolve with the receiver and nothing was done at all.

Company response to consumer: Closed with explanation