vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
This complaint involves two banks : First National Bank of Omaha and XXXX XXXX  XXXX We opened account with XXXX in XXXX We requested balance transfer We were not granted the amount requested and the pop up said we would be notified if they were able to do a transfer We received the card late XXXX We signed up for online services and upon doing so saw a transfer pending - although we were unsure to where Later we saw that the transfer was complete but did not see it on any account we had Contacted XXXX  XXXX XXXX numerous times and have been in contact with and discussed with 5 Executive advocates that each tell us that we need to resolve this issue with FNBO because they cashed the check. Its my understanding that XXXX has contacted FNBO and they are saying that can't speak with them about the issue or use the Miss applied balance info that has been sent because they are not the customer and that my husband and I will have to do this. They have also completed a dispute for us just yesterday after two months of requesting help after a manager at XXXX and FNBO spoke and disagreed on the next steps. We have been told in no uncertain terms that XXXX can do nothing else for us. Listen to all the recorded calls please. 

Contacted FNBO as requested by XXXX. We usually can not get farther than the associate- although lately, we have been able to get a manager to discuss. FNBO says that it is XXXX that needs to resolve this. I have sent a copy of the cashed check to FNBO 4 times to the accounting department. Apparently, because the check has not been applied to an account it is in limbo. So they say it is XXXX  that we need to talk to. 

The check for balance transfer had many issues. The account number was incorrect XXXX has made it clear that we must have made that mistake - Ok maybe we did it is our XXXX XXXX XXXX number except one number is incorrect. The check was sent to XXXX XXXX XXXX  XXXX XXXX and cashed by First National Bank of Omaha. The check was for {$470.00} and was written on XX/XX/23 and per my statement cashed XX/XX/23. It has my husbands name and address. It is confirmed that the routing and acct number on the back are in fact FNBO. 

It is ludicrous that I have to continue to call each place and spend hours of my time on the phone and emailing to get this resolved. We are also currently paying for this balance transfer on my XXXX  account to which we have had no benefit.

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 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: UT

Complaint narrative:
Southwest Credit Systems ( AKA SCS ) XXXX XXXX XXXX XXXX Tx, XXXX Account # XXXX for T mobile They refuse to provide the needed documents entitled to me by Federal Law, FDCPA and USC 1692 to show a debt obligation / debt collection is legal. It is not.

This company is illegally prohibiting me from using my credit needed as I am starting a business and buying equipment.

No contract is provided showing authority of Southwest Credit Systems to collect for T mobile. No contract or accountings of credits/ debits showing a balance owed from XXXX XXXX SCS has previously violated my rights and complaint is on file with CFPB with other companies. 
An electronic verification is not acceptable, a manual verified accounting is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-07-19 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: MN

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  : Account # XXXX, XXXX : account # XXXX, XXXX XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  : account # XXXX, XXXX : account # XXXX, Dept of Ed/XXXX  : account # XXXX, XXXX : accounts # 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 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 non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
NOTICE TO CEASE & DESIST ALL COMMUNICATION AND COLLECTION ATTEMPTS : PRA LLC, is in violation of Title 12 USC 5531 : Prohibiting unfair, deceptive, or abusive acts or practices.

PRA LLC, is liable for damages pursuant to : 15 U.S. Code 1681n - Civil liability for willful noncompliance PRA LLC, is in violation of Tit

le 16 CFR 660.3 : Reasonable policies and procedures concerning the accuracy and integrity of furnished information. Company policies do not supersede law ; I am invoking my consumer rights and demand you to provide a written copy of your company 's guidelines. I also demand PRA
LLC to provide FULL DISCLOSURE OF YOUR PROCESS.

I also demand a full accounting of the ledger including consent to contract, transactions and acquisition of my personal identifying information. No consent is equal to identity theft.

I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ). Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are THREATENING to furnish an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a notification from PRA, LLC dated XX/XX/23 in response to my initial demand to CEASE & DESIST from contacting me regarding account # XXXX. I am asking PRA, LLC to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt ; including a detailed accounting of any ledgers. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand PRA, LLC again to to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so and will not give it in the future. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character. Pursuant to 15 USC1692 ( C ) C I am notifying you once again that I refuse to pay this alleged debt, and I am demanding you cease all forms of communication with me ; as well as cease & desist all collection/extortion attempts through any medium unless it pertains to my remedy in writing via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
15 U.S. Code $ 1681c-2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
Names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts

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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I got my account closed and informed nothing could be done. I made several calls but never given any reason or what i did that led to the closure. I do respect their decision and i have no problem with it. However, i got a mail saying that they might report me to XXXX XXXX and XXXX XXXX XXXX 
The day i got my account closed there happened to be a sudden deposit of XXXX $ and it could reflect on my balance. Then when i called the bank, they said they couldn't see such a transaction from XXXX. 
I wonder why i have to be a victim of all these while i never did anything. How i'm supposed to explain the sudden deposit and it's disapperance. The bank themaelves never gives any reason but keeps telling there nothing that can be done. 
What i'm supposed to do? Do i take responsibility for something i never did and i honestly have no explanation or any idea what happened? Do i take responsibility for something i never did? How i'm supposed to prove something i didn't do or something that i dont know?

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 2023-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I informed Chase Bank of my dad 's passing. I provided an original copy of his death certificate and the trust document ( which is XXXX pages ). They ran a copy of the trust document and said before I could open an estate account the corporate office needed to review the trust and death cert. I had a follow up meeting set for the XXXX. I get a phone call saying the copy they ran wasn't readable and that I needed to send another copy in. XXXX now gets moved to the XXXX. We set up the trust checking account and they transfer the small amount from the checking into the new checking account but tell me that the corporate office again needs to review the trust document, the funds should be released by Friday. No funds are transferred and I again call and now am told that a more thorough review is required on this XXXX page document of which XXXX pages pertain to my responsibilities and have nothing to do with the establishment of the trust. Each time I call I'm told the review isn't complete, I ask to speak to a supervisor who tells me that it takes XXXX business days to review this. So in essence it takes them a day to review about XXXX words since the document is only about XXXX words. The reality is that they have used my dad 's funds to fund a XXXX scheme where they use the funds to extend credit at XXXX XXXX  % and charge interest for over 20 days at about XXXX a day while claiming this review takes as long as it does. The entire document could be read and understood within an hour so what I'm being told is a complete lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello I reached out to you guys months ago about Experian deleting incorrect information which included unlawful late payments and fraudulent inquiries and when I informed them they investigated and removed them and my score jumped up XXXX points to XXXXty and when I contacted you guys about how they refused to really do they job and I filed a complaint they retracted the points and my score hasnt gone pass XXXX score, I have no inquiries any more no collections good mix of credit accounts and one inaccurate account they refuse to delete or correct do to USC 15 1681 ( A ) ( 2 ) ( i ) from XXXX XXXX XXXX XXXX I did not miss the payment and they refuse to acknowledge it, but where here about my credit score thats not correct

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 2023-07-19 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: MN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19 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: MN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-07-19 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XX/XX/XXXX, After receiving a message from Wells Fargo to my email, stating that there was possible fraud detected on my credit card. The message listed several declined attempts to use the card at locations in XXXX Florida as well as an ATM transaction for {$450.00} which was approved. I logged into my corresponding account at the bank to confirm that this was a bonified message from the bank and not a phishing attempt. 

On the Wells Fargo Web Page, I verified that there was a fruadulent cash advance approved for the amount of {$450.00} made in XXXX Florida on XX/XX/2023. 

The dates these fraudulent this charge and charge attempts took place I was with my family in XXXX XXXX, Fl. area, over XXXX miles away from where this transaction took place. I can corroborate my presence in the XXXX XXXX area with in-store credit card transactions and witnesses. 

I further confirm that the only credit card I have authorized for this account was in my possession and, therefore, an unauthorized/cloned copy must have been used to make the transactions. 

I further confirm that I have only used the card for one on-line purchase since I have received it. It has never left my home and is stored in a secure place. It is therefore unlikely the card was cloned. 

I have contacted Wells Fargo, and they have failed to remove the fraudulent transaction. 

They closed the investigation stating that I will be financially responsible. They have failed to provide information on their investigation. They seem to have little interest in resolving this dispute and have been quick to assign me the responsibility for their security issue. 










.

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 2023-07-19 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: GA

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. 

XXXXXXXX XXXX XXXX with account XXXX  XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX XXXX XXXX  account with account XXXX  XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
XXXXXXXX XXXX XXXX  with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$7500.00}. 

I could not apply for an auto loan because of the negative items I have on my credit report.

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 2023-07-19 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: GA

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 Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$7500.00}. 

I could not apply for an auto loan because of the negative items I have on my credit report.

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