vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
The company involved is : Focus Financial Services. This involves a debt from XXXX XXXX, and XXXX XXXX. I previously filed a complaint with your organization about it ... ... ... ... ... ... ... ... .... Ref ID : XXXX The other company was called XXXX XXXX, and you contacted them regarding my complaint. Yesterday I got a letter from Focus Financial about the debt. It seems the Hospital just forwarded this debt to Focus Financial. I called them this morning and the person I spoke to, XXXX, was very combative in her response to my summary of what happened. She just said I have to get a statement from the credit card company to show I paid the bill. I said that this occurred a year and a half ago and my accounts were hacked, so I don't even know which credit card I used, as I subsequently had to close many accounts and destroyed the cards. I said, why did the Hospital wait for almost a year to contact me, and she said " it doesn't matter ''.. Please read the aforementioned Ref.ID number so you get a better perspective on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was denied my XXXX direct PLUS loan because of identity theft. There are two accounts ( Capital One, XXXX XXXX, and XXXX XXXX XXXX XXXX - sent to the XXXX XXXX XXXX for debt collections ) that are preventing me from getting my loan. 

I did not make these accounts, and someone is impersonating me ( they have a fake identification with my name and birthday, and they have my social ). 

I am scheduled to graduate in XXXX, but I will have a hold on my account as I am using loans for school and can not pay tuition due to these holds. 

I have filed complaints regarding all of these companies, and I have also filed police reports with the XXXX Police Department ( I am from XXXX ). 

The accounts were all made in XXXX, CA. The person impersonating me/who has stolen my identity has several outstanding payments ( Capital One, XXXX XXXX XXXX XXXX ) and deposited counterfeit checks ( to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX totalling to be {$57000.00} ). 

I have an investigative specialist through XXXX ( XXXX XXXX | Restoration Specialist T : XXXX ) who is aware of all of this and is working on my case. 

Until this is resolved, I can not get my loan for school and therefore can not graduate. I am a XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX student at XXXX University ( online ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was denied my XXXX direct PLUS loan because of identity theft. There are two accounts ( XXXX XXXXXXXX, Wells Fargo, and XXXX XXXX XXXX XXXX - sent to the XXXX XXXX XXXX for debt collections ) that are preventing me from getting my loan. 

I did not make these accounts, and someone is impersonating me ( they have a fake identification with my name and birthday, and they have my social ). 

I am scheduled to graduate in XXXX, but I will have a hold on my account as I am using loans for school and can not pay tuition due to these holds. 

I have filed complaints regarding all of these companies, and I have also filed police reports with the XXXX Police Department ( I am from XXXX ). 

The accounts were all made in XXXX, CA. The person impersonating me/who has stolen my identity has several outstanding payments ( XXXX XXXX, XXXX XXXX XXXX XXXX ) and deposited counterfeit checks ( to Wells Fargo XX/XX/XXXX and XX/XX/XXXX totalling to be {$57000.00} ). 

I have an investigative specialist through XXXX ( XXXX XXXX | Restoration Specialist T : XXXX ) who is aware of all of this and is working on my case. 

Until this is resolved, I can not get my loan for school and therefore can not graduate. I am a XXXX XXXX XXXX XXXX XXXX XXXX student at XXXX University ( online ).

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 2023-03-07 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: The Best Service Co.,Inc
State: GA

Complaint narrative:
I was denied my XXXX direct PLUS loan because of identity theft. There are two accounts ( XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX - sent to the Best Service Company for debt collections ) that are preventing me from getting my loan. 

I did not make these accounts, and someone is impersonating me ( they have a fake identification with my name and birthday, and they have my social ). 

I am scheduled to graduate in XXXX, but I will have a hold on my account as I am using loans for school and can not pay tuition due to these holds. 

I have filed complaints regarding all of these companies, and I have also filed police reports with the XXXX Police Department ( I am from XXXX ). 

The accounts were all made in XXXX, CA. The person impersonating me/who has stolen my identity has several outstanding payments ( XXXX XXXX, XXXX XXXX XXXX XXXX ) and deposited counterfeit checks ( to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX totalling to be {$57000.00} ). 

I have an investigative specialist through XXXX ( XXXX XXXX | Restoration Specialist T : XXXX ) who is aware of all of this and is working on my case. 

Until this is resolved, I can not get my loan for school and therefore can not graduate. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX student at XXXX University ( online ).

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 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We are victim of fraud check due to stolen mail via USPS postal worker ( s ) due to 11 pieces of mail missing on the same day 2/6. 

BofA - Check payee changed ( unreadable ) and deposited to another bank that BofA already know who it is. 
Claim # XXXX XX/XX/23 ch # XXXX {$11000.00} pay to XXXX XXXX. Proof of duplicate of original and the amount is exact to the bill. 

USPS post office has their own federal policing unit. Case # XXXX We were promised full provisional credit ( 3-5days ) but received less than half {$5000.00} until investigation is complete up to 90days. We need our full money back to pay XXXX. Its under their failed system to protect us from this happening. 
They claim to email the affidavit form but I was initially told it was sent to the online messaging. I ask them to resend via email or regular mail but it will take 5-10 business dayswhat a run around! 
We are victims, they know it, we have been valued customers for decades, and this is the service we received. 
Please help! 

Thank you!

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The account with XXXXXXXX XXXX is currently in Ligation. The account is still showing on the credit report. The account needs to be removed until the case is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I asked XXXXXXXX XXXX XXXX to do a balance transfer to Regions Bank in XXXX, Alabama. Transfer amount of {$18000.00}. Peoples bank use XXXX XXXX XXXX out of XXXX North Dakota for their credit cards. XXXX sent the transfer to Regions Bank, but Regions claims they never go the transfer. There was a typo in the credit card number but neither of these banks are willing to trace the money. I have talked to both of these banks on numerous occasions. I spoke with XXXX and XXXX at XXXX XXXX XXXX. And they claim it's Regions problem to trace the transfer. No one at Regions Bank would give me their names, but they say it's XXXX problem to trace what happened to the transfer.. Both banks blaming the other. XXXX gave me a trace number, but when I mentioned this to the people at Regions they didn't want to hear it or take action on it. As far as that goes neither does XXXX want to do a trace. But now both Banks want me to pay them {$1800.00}. That's not going to happen. I refuse to pay this bill twice. I do know that someone typoed a number in the credit card transfer. But that money had to go somewhere. And someone needs to find it.

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 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo was charging my large expenses first and then running every little charge even though they should have went through first so they could hit me with as many overdraft fees as possible. After going to the bank and getting some help but that's when I realized what they were doing. Not long after getting some of the XXXX fees dropped it started happening again and put my account in the negative during COVID-19 and I didn't have a job because they had shut down the 90 day XXXX I worked for, I hired a company that was supposed to get all the fees refunded and it would have put my Wells Fargo account back in good standing. But while the company was negotiating with Wells Fargo about all the fees I received Wells Fargo closed my account with no worming and the only thing that they said was that the account was in the negative and that they had the right to close it. They only decided this after I hired this company to work with them to refund all of the overdraft fees and they were expecting Wells Fargo to work with them and once they closed the account there was nothing else the company could do. I have seen many lawsuits against Wells Fargo for this exact same reason and I think I deserve to have those fees dropped and a check from Wells Fargo to open up a new bank account that I can trust.

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 2023-03-07 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 XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the following companies have 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 2023-03-07 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 Convergent Account number # ( XXXXXXXX # XXXX ), ( XXXX # XXXX ), ( XXXX XXXX # XXXX ), ( XXXXXXXX XXXX  # XXXX XXXX, ( DEPTEDNELNET # XXXX ), ( XXXX # XXXX ), ( XXXX # XXXX ), ( XXXXXXXX XXXX # XXXX ), ( XXXX  # XXXX ), ( XXXX # XXXX ) the following companies have 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 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I received a letter from the IRS stating that I owed over {$3000.00} dollars to USAA. I immediately called USAA. I was transferred repeatedly in regards to this issue and did not get any closer to resolving it. I was told I had a savings account that was overdrawn by over {$3000.00} dollars in XXXX I never had a savings account with USAA and I never had any sort of money in a savings account. The IRS received a 1099c ( I had never even heard of such a document until this morning ) from USAA and now the IRS is saying I owe that to them as taxable income. I have never in my life received a 1099c from any entity. The IRS is now coming after me saying that it is taxable income when my SSDI/VA benefits are not taxable. I have not filed taxes since my income is non- taxable. I had fraud on the account and took all necessary steps with USAA to close all accounts. I have not had any dealings with USAA until today when I found out the reason for the IRSs letter. 

I had no idea what was going on until I spent almost 2 hours on the phone with the IRS and then immediately called USAA in which I was on the phone for over 2 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The account was charged off and no 1099-c was not mailed. by it still being on my credit it's in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In accordance with the fair credit report act these creditors violated my rights under 15usc 1681 section 602 states I have a right to privacy 15usc 1681 section 604a section 2 reports a consumer reporting agency can not furnish my acct without my written instructions 15usc 1666b a creditor may not treat a payment on a credit card acct under and open consumer credit plan late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: Avant Holding Company, Inc.
State: PA

Complaint narrative:
In accordance with the fair credit report act these creditors violated my rights under 15usc 1681 section 602 states I have a right to privacy 15usc 1681 section 604a section 2 reports a consumer reporting agency can not furnish my acct without my written instructions 15usc 1666b a creditor may not treat a payment on a credit card acct under and open consumer credit plan late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: TX

Complaint narrative:
RE : CFPB Complaint Number : XXXX. 

CFPB sent my original complaint to the company ( US Bank ) fifteen days ago, on XX/XX/2023. US Bank has failed to respond to CFPB or to me regarding my complaint. Therefore, US Banks response to my original complaint is untimely according to the CFPB regulations. 

Since having filed the original complaint, I received a letter ( photo attached ) from US Banks credit department dated XX/XX/2023. 

The letter states more reasons than was told me by the telephone conversations with employees of US Bank immediately after learning that my application for the credit card State Farm / US Bank invited me via a letter to apply for had been declined. 

By telephone, I was given only one reason for my application being turned down and that was but for having been granted too many new lines of credit by other companies within the most recent twelve months. ( In my original complaint I acknowledged the amount of the recent personal unsecured line of credit granted me by XXXX XXXX  in error at [ {$20000.00} ], when in fact the new line of credit with XXXX XXXX is for [ {$25000.00} ] ). 

The attached letter states multiple reasons for US Bank declining its solicitation to me via the United States Postal Service to apply for yet another State Farm / US Bank credit card and stating, We hope you are enjoying the State Farm / US Bank credit card the companies had granted me long ago that I have, in fact, enjoyed which is why I accepted their new offer to apply for yet another of their credit cards. 

Since filing my original complaint with CFPB, I wrote to the chief executive officer of US Bank, XXXX XXXX XXXX. I reminded XXXX XXXX that State Farm / US Bank had performed a soft pull of my credit standing BEFORE mailing to me its solicitation to apply for the Good Neighbor credit card and therefore the companies knew all of the reasons it stated for denying me their offer AFTER US Bank then pulled the hard pull it used to deny me their offer and that there was no more information that US Bank could have learned about me that it already knew from the soft pull. 

My learning that a soft pull was performed to qualify me to be mailed the offer only to be turned down with the results of the hard pull that hurt my credit rating is outrageous and is another reason for me making this second complaint with CFPB.

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 2023-03-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account Number XXXX XXXX XXXX XXXX, Account Number XXXX U.S. Department of Education, 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 non-monetary relief
Consumer complaint received 2023-03-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account Number XXXX XXXX XXXX XXXX, Account Number XXXX U.S. Department of Education, 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 2023-03-07 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, had 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.

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 2023-03-07 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, had 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.

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