vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: TN

Complaint narrative:
I have had a checking account with US Bank for over 20 years. I was NEVER charged a fee for having the account until recently. They began charging my account a {$24.00} fee on XXXX. This fee was waived for two months. I'm assuming I called about it, but honestly can ; t remember. After that, they charged the fee for nine more months before I noticed and called about it. At that time ( XXXX ) they waived three of the fees ( leaving 6 others ) and said that was all they could do. Since then, I have spoken to XXXX at the XXXX, XXXX branch. She reached out to her district manager, XXXX XXXX, who told her they could return three more months of money they STOLE from my account without any notice ( still leaving 3 months ' fees ). This is unacceptable. I was not notified that this fee was going to be added to an account I have had for OVER 20 YEARS. Their explanation is that I had taken out two car loans and paid them off which put me in a different kind of account. What?! Why?! Again, I was not notified of this. Had I been, I would have taken my money elsewhere or asked if I could have the kind of account I had had prior to the car loans-which, again, I was never made aware of any kind of change in my checking account. 
In addition, XXXX apparently tried to call and email me on XX/XX/2022 to follow up on my complaint. The phone rang once and went dead. The email asked when would be a good time to call. I explained that the call didn't go through and she could call any time. I did not hear back from her until today and only because I called her again aXXXX XXXX XXXX and left a voicemail ( Friday, XXXX ) She was obviously trying to dodge me by calling at XXXXXXXX XXXX  before quitting time on a Friday. I asked for XXXX XXXX 's number and called him before XXXXXXXX XXXX It went straight to voicemail, so here I wait once again.

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 2022-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: NY

Complaint narrative:
ERC placed an unknown debt on my credit report. They have sent no dunning letters that I have received at my address. I do not prefer to speak with Collection Agencies on the phone as I know they will violate my rights. this is unfair and illegal. The debt in question was more than likely discharged in a bankruptcy and without basic information how can I get the correct documentation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a Natural Person, I am a living Human Being, I have rights under 15 USC 1681 In accordance with the Fair Credit Reporting act. The List of incorrect addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a Natural Person, I am a living Human Being, I have rights under 15 USC 1681 In accordance with the Fair Credit Reporting act. The List of incorrect addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Attn consumer service, My name is XXXX XXXX XXXX .| am XXXX XXXX XXXX. My social is XXXX. My address is XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 23455.my phone number is XXXX. 
| am attaching original bills | received From XXXX XXXX XXXX. | sooke to manger patient account service at XXXX and made several request. But they refused to help me. about 3 credit Bureaus policy of not reporting less than {$500.00}. What they have done all different time and date service they accumulate and reporting to finically hurt people intentionally.

When| visited dr | told him my hard ship. Dr said do not worry. From my insurance they got paid and they did breach of trust. | could have gone to Hospital where if | do not have income they forgive. This is a federal law. 
Another they have reported on XX/XX/2016 where it should have been reported early. This will extend 7 years time frame. | have less than year left. 
This has done lots of Finicial damage to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
I was originally sued for a $ XXXX bill. They debuted my account over {$4000.00} and left me with a negative balance of over {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Email sent XX/XX/XXXX : I am having a recurring problem when trying to add an employee card to my AAdvantage Aviator Business Barclays account. I get an error message : " Employee not added. The information you have entered is incorrect. '' After spending two hours on the phone and speaking with eight employees over the past two weeks, I still can not add my employee.

I don't understand why the information I enter is incorrect about one of my employees? Also, why has no one been able to resolve this issue? 

XX/XX/XXXX Spoke with XXXX  Supervisor opened XXXX # XXXX was told she would follow up with me however yet to hear from her. Spoke with XXXX  Supervisor opened Case # XXXX regarding Employee Card Point Extension, was told would follow up however yet to hear from her. 

XX/XX/XXXX, and XX/XX/XXXX Received calls from XXXX  from Barclays Office of the President was provided a callback phone number, however when calling it goes to a general voicemail and I have left several voicemails. One voicemail in particular detailed a good time window and phone number to call me at, however yet to speak with XXXX. XXXX  stated in her first voicemail on XX/XX/XXXX she would follow up with an email, yet never received one. On XX/XX/XXXX received an electronic letter from XXXX  stating to call her to manually add an employee card, as technical difficulties still exist for me or regular credit card representatives or supervisors to add one. However, once again when trying to reach her it goes to a general voicemail. I sent a comment to her electronic letter and have yet to hear back. 

XX/XX/XXXX Comment sent to her electronic letter : XXXX, I have attempted to contact you several times via phone and each time it goes to a general voicemail. In your initial phone call, you mentioned you would be sending me an email which I never received. I hope you can assist in adding my employee and providing a refund of my annual membership fee, and providing non-monetary relief in compensating points given the exasperating experience I have incurred. I have included the employee information below to manually add the employee card. Also after speaking with several representatives they assured me that as it has passed 30 days to add the employee card due to failure to be able to do myself or any representative I would still be able to receive the sign-on offer. 

XXXX  and prior representatives have failed to follow up on Case # XXXX regarding Employee Card Point Extension or Case # XXXX. 

I have made every attempt to contact Barclays, by phone, email, and voicemail, yet no one is able to assist or provide an update on the cases. Further, I am not able to reach XXXX  Office of President associate who states she is the only person who can 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 monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I, as consumer, without aid of credit repair organization, am writing to report an unfair and deceptive practice against Resurgent Receivable evidence by exhibited XXXX XXXX results attached. 

On XX/XX/2022 a completed investigation by XXXX returned with deletion of account information reported in violation of 15 USC 1692c ( b ) as unauthorized use of personal information and highly restricted personal information as defined at 18 U.S. Code 2725.

The debt collector induced a hardship as an unfair and abusive practice.

This deletion is admission of violation of 15 USC 1692c ( b ) for which obligation for willful misconduct is due in compliance to 15 USC 1611 and 15 U.S. Code 1692k ( a ) ( 2 ).

This is an attempt to collection a debt from a debt collector. Any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: GA

Complaint narrative:
I currently disputed a XXXX XXXX XXXX docket # XXXX with all credit bureaus and they stated that the court provided them with inaccurate information see attached file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
td have caused so many issue with their lies and their fraudulent ways I been going through a dispute the XXXX since XXXX some wallet was stolen then someone withdrew money from my account and uploaded fake checks from mobile deposits to my account and they ruled the mobile deposits as fraud and denied the other claim, from XXXX to XXXX i have been disputing the fact that someone overdrafted my account the same day that those mobile deposits were place on the account, finally in XXXX the claim received a temporary credit, after my disputes had been denied about 5-10 times they finally owned up to it being fraud for {$400.00} taking care of the fraud that was on my account because they had already removed the mobile deposit that was on my account, after i called in several times to have them refund the money that had returned back to my account which had taken XXXX to a XXXX ... from chargebacks and returns i then received a provisonal credit for the XXXX fraud that was on my account then once they realized they had to pay me back more than the XXXX they credited my account they then denied the credit and now they have my account XXXX saying i owe them, for fraud that was on my account they have added a extra {$400.00} just because they can without providign me any info as to why, when i call the customer service dept they directme to the branch yet i cant go into my local branch becasue they have me on trespassing because they discriminted against me and they have frauduently added a amount to my account because they didnt want to pay back the amount they owed me adn they did pay me half the amount yet then charge me what they owed me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have {$2500.00} in my venmo account and it's frozen and they're trying to tell me that the account specialist are working on it but the only way to contact them is via email nobody ever answers something isn't right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
DISCOVER IS MISTAKENLY REPORTING A DUPLICATE ACCOUNT ON MY CREDIT. I ONLY HAVE 1 DISCOVER CREDIT CARD BUT XXXX IS REPORTING A DUPLICATE WITH A BALANCE OF {$2900.00}. THIS IS COMPLETELY FALSE AND NEEDS TO BE RECITIFED RIGHT AWAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-04 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: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX. I was denied by Fidelity Visa Signature Card account. I conditionally accept the offer upon proof claim that you/they have the right to reject my application and I need to see the factors that went into the decision based on the law public and private. 
Under 15 USC 1611. Criminal liability for willful and knowing violation ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under SECTION 1606 OF THIS TITLE in such a manner as to consistently understate the annual percentage rate determined under SECTION 1606 ( A ) ( 1 ) ( A ) OF THIS TITLE, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 15 USC 1611

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 2022-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TMX Finance LLC
State: GA

Complaint narrative:
Company is calling despite being notified of bankruptcy status ( Case # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: WI

Complaint narrative:
And several locations they make sure they dont pay post my payments are there real late and posting my payments and currently doing that now causing me to go into foreclosure and getting an attorney and spending extra money in time to avoid foreclosure this is happened three times before I dont know whats wrong with my lawyer and why they havent caught this but they are companies that are notorious for doing things like this I would like somebody to represent me and help me through this process they say theyre three months behind and Im not Ive gotten all the bank statements and proved it to my lawyer and to them and still at no regard got nowhere

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 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is regarding CFPB complaints # XXXX, XXXX, XXXX, and XXXX. 

Attached are the proofs. 

XXXX XXXX letter proves that identifying information on the wire to apply the payoff balance on XX/XX/22. 
The error was on Wells FargoXXXX. 
While waiting for resolution, I paid {$2000.00} on XX/XX/22, {$1600.00} + {$1600.00} + {$61000.00} on XX/XX/22, which is more than {$66000.00} I owed per XXXX. 
Honor the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.

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 2022-11-04 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I received, over the course of several months, several promotional pieces of mail from XXXX XXXX advertising a signing bonus with an American Express XXXX XXXX card that promised " XXXX ( to XXXX ) bonus miles '' after spending " {$2000.00} in the first three months '' of the card opening. I met the spending requirements for the signing bonus but did not receive the promotional offer as advertised. I inquired with American Express when I will be receiving them and they informed me that because I obtained the signing bonus in 2019 that I wouldn't be eligible for them again. At no point did either company make it clear that I wouldn't be eligible for the signing bonus albeit repeatedly sending me the offer in the mail to entice me to apply for their credit card anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I received a letter supposedly from wyndham rewards credit card. It said it need a copy of my drivers license, social security card, and bank statement to process my card application. I NEVER applied for this card!

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