vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: MS

Complaint narrative:
We noticed on the morning of XX/XX/2023 that our XXXX clicklist account had been hacked and used to purchase XXXX in groceries from a XXXX in XXXX, TX using the XXXX XXXX XXXX that is backed by US Bank. We contacted XXXX and they said to contact US Bank. I made a call at XXXX filing a fraud complaint with US Bank XXXX After noticing nothing done I followed back up XX/XX/XXXX in which time a temporary removal was done on XX/XX/XXXX. The charge was put back on my account XX/XX/XXXX. I called again on XX/XX/XXXX at which time I was told my fraud claim was denied. Between XX/XX/XXXX to XX/XX/XXXX I called 4 more times asking to speak with a fraud specialist handling my case with no luck. On XX/XX/XXXX i received a call from someone but missed the call. They left me a voicemail with a name and number. I called this number and left a voicemail XXXX times between XX/XX/XXXX to XX/XX/XXXX with not even a return call.

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 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc
State: VA

Complaint narrative:
I had monthly membership at XXXX XXXX XXXX for 2-3 years. I had selected the membership that I could end anytime. I was not provided promised services. 5-6 months I was lied to so I wouldn't cancel my membership. I could never use the machines I went for. The company also forced political beliefs on me. When I went to the front desk to complain on the last day of my membership, I was confronted as if I was the person who left a bad XXXX review. I was not. I was then informed I had been lied to last couple of months. They were very disrespectful. I decided to end my membership and never come back. Since then, I got " come back '' e-mails, collection notices for the following month 's fee after my termination that I refused to go for. I wanted the Corp to call me, they never have. I called the collectors and disputed, explained why. I asked not to be harassed again. I was told they were not going to stop and demanded me to pay something I was disputing. I told them we should go to court to resolve it. They have been abusive last 2 month. Even after I demanded them to stop, they often text me. They have called ( left vms sometimes ) 20 times between XX/XX/XXXX-XX/XX/XXXX. It hasn't stopped. I communicated with both the collectors and membership services regarding to their harassment for {$75.00} fee that I should not have been charged. I reminded the Fair Debt Collection Practices Act and breach of contract. I asked for higher management and their registered agent couple of times. At all times, both XXXX XXXX and their collectors ABC have refused to stop harassing me to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
They said they was going to remove the inquiries, but they never did inquiries 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Section 15 USC 1681 ( d ) ( 2 ) ( A ) ( I ) states that transactions between the consumer and the person/corporation generating the report is NOT included in the consumer reports. However, Experian is currently including this information. This inclusion of excluded data, as outlined in 15 USC 1681 ( d ) ( 2 ) ( A ) ( I ), represents a clear violation of Metro2 compliance standards. I am requesting the Metro2 compliance disclosure regarding the reporting of transactions to a consumer reporting agency. Specifically, I need the transactions reporting as late, collection/charge-offs, and ANY other derogatory information from my consumer reports, deleted from my consumer report effective immediately. 

Please do not respond with this account being " validated '', I want to be clear I am not asking you to validate or verify anything so please refrain from responding with these tactics that waste my valuable time. It is important to note that these accounts have been designated as being in collection/charge-off status WITHOUT providing me with a copy of IRS Form 1099-C, which is required for Cancellation of Debt. This action by Experian and the creditors who are reporting collections/charge-offs, late payments, and other derogatory information in my consumer reports is in direct violation of 26 USC 6050P, Returns Related to the Cancellation of Indebtedness by Certain Entities. 

If the derogatory account information is not removed from my consumer reports within 15 days, I will have no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all persons/corporations involved.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XX/XX/2023 contacted XXXX XXXX XXXX No information can be located Possible mistake System doesnt go back that far. 
I was told to dispute and the will approve

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 2023-09-11 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
NONE OF THESE INQUIRIES ARE MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THESE ACCOUNTS ARE MINE XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
NONE OF THESE INQUIRIES ARE MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THESE ACCOUNTS ARE MINE XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-09-11 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I am not liable for this debt with ( ORIGINAL CREDITOR ) XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX. i do not have a contract with XXXX XXXX. They did not provide me with the original contract as I requested. 

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 They 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 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 2023-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
The home was purchased in XXXX and Cross Country was the mortgage company that is carrying our VA loan. Starting in XXXX, my wife became XXXX and unable to work from a work place injury and as a result our household income dropped significantly. I had contact Cross Country on numerous occasions to see what help could be provided and they said there would be an application process that would take 45 days or longer, so rather than wait and become further in the arrears on payments, I took out a 401k loan in XXXX and again in XXXX to pay the entire arrears balance in full, but Cross Country continued to add fees, such as late fees and most recently, they were given 3 payments on separate days in XX/XX/XXXX and they did not reconcile their payments received and attempted to debit our bank account for a fourth payment when there was no fourth payment because the account only required 3 to make it whole and current, so another NSF was added to our account. The total of all of this is over XXXX dollars in fees. I'm a XXXX veteran who is trying to ensure my payments are made on my home and this is what the mortgage company chooses to do to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I just found out that Bank of America closed my credit card last Tuesday, XX/XX/2023 and I didn't receive any notice about it. I just got a letter yesterday that Bank of America will be restricted and permanently closed my personal saving account for 30 days from the date of the notice ( XX/XX/XXXX ). I have XXXX reward points with my Bank of America Travel Rewards XXXX Signature card. The Bank of America closed my credit card without my authorization. I have XXXX reward points that's worth XXXX dollars toward travel ticket or cash. The Bank of America didn't give me that money and claimed that the account was closed and that there was nothing that they could do about it. How can the credit card company close my account without sending me my reward check? I purchased with the Bank of America credit card and I never redeemed my reward point. This is thievery! Please help me get back my money. 

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 explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am composing this letter to request the elimination and exclusion of the specified accounts and associated information from my consumer report. The accounts and details listed below should not be present in my consumer report, as their inclusion constitutes a clear breach of both the FDCPA and FCRA. I urge you to promptly take action to delete and expunge this information from my consumer report, as it is in violation of numerous legal regulations. Please proceed with the removal of these accounts and information without any delay.

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 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was a victim of identity theft I sent copies of my identity theft report to the bank they denied my claim even though I haven't had or been given access to a debit card since XX/XX/2023 someone ordered and used a debit card linked to my checking account without my knowledge or permission I called the bank as soon as I gained knowledge of this situation they also took the money from my account without providing me written notice of the outcome of the dispute and that they were removing the credit from my account the dispute was closed on XX/XX/2023 and they took the money from my account the same day which is a violation of 12 cfr 1005.11 also I requested information " written explanation " documents that the institution relied on while making its determination and was denied my request another violation of 12 cfr 1005.11 ( d ) ( 1 ) this banking institution has violated my rights and charged me for fraud that they can not prove I do not have a debit card with them and I refuse to pay for identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I contacted company because they took money from my wifes bank account. They agreed to stop this and refund money that was withdrawn.Still no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
Re : Misappropriate mortgage payments Mortgage Loan Number : XXXX I am writing to request investigation and correction of the errors described below regarding the mortgage on my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have previously and historically been allowed to submit bi-weekly automatic payments for the mortgage on the above property since XXXX. The mortgage document I signed did not have any constraints on how payments should be made. During the loan tenure with the prior lenders, XXXX XXXX  and then XXXX XXXX the {$600.00} bi-weekly payments were received and applied as intended without error and without late fees. The issue prompting this letter started from the moment M & T Bank gained custody of my loan in XX/XX/XXXX. Even though the schedule of the payments has stayed the same, there have been monthly harassing calls from M & T Bank incorrectly stating that payments were missed, and the loan needed to be brought up to date. In these calls, I have expressed that I send {$1200.00} a month for a mortgage that is {$920.00} a month. And, I have asked them these questions : How are payments being missed? Why am I being charged late fees? Subsequently, am I being charged additional interests on the loan principle? 

To date, these questions have not been answered. I feel that errors are being made at my expense and that my funds are being misappropriated. I would like for my payments to be investigated and for any errors found to be corrected. If funds are going to be returned, I want them applied to the principle. 

Please note that this letter is also being sent to the following entities : M & T Bank, XXXX XXXX, Consumer Financial Protection Bureau, State of Connecticut Department of Banking, and Connecticut Senator XXXX XXXX. 

Sincerely, 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I have tried for many years to dispute this item of my credit with XXXX. They have failed to look at the facts and request a copy of the original contract. I have also tried disputing this item with CFPB as well. I now have supporting documentation to show the dates and information provided to the credit bureaus are fraudulently being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: OH

Complaint narrative:
Re_aged litigation debt reporting after a class action lawsuit with FTC about XXXX, using UNFAIR CREDIT REPORTING with THIRD PARTIES COLLECTION AGENCY/ AS BEING SOLD..no re- investigation attempts, despite all of my disputes..This is the 4th collection agency bouncing back and forth.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation