vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: PA

Complaint narrative:
AR Resources ILLEGALLY reported an alleged debt to the credit bureaus without any prior notice to me. They failed to provide me with any notice or opportunity to request information to which I am entitled, and they went straight to reporting against my credit. They did this in blatant violation of not just CFPB protections, but also the Fair Debt Collections Practices Act and other federal and state laws and regulations. The company should IMMEDIATELY remove this collection from my credit report, as it had no right to report it in the first place. IF they are able to substantiate anything, and after following proper procedures, then they could report to the credit bureaus, but they have still not followed any of the required protocols, and my credit score has still plummeted due to AR Resource 's frivolous disregard of multiple applicable laws, rules, and regulations. 

AR Resources posted a collections case that I do not recognize on my credit reports with. AR Resources did not contact me prior to posting this on my report. They provided no notice, no opportunity to dispute the report, etc. This just appeared on my credit. After seeing this unknown collections item, I have attempted to contact AR Resources via email, fax, and USPS mail. I've received confirmation receipts that my communications have been received. AR Resources has still not contacted me or responded in any way, but their unsubstantiated report is still destroying my credit, causing a credit score decrease of over XXXX points. In my communications to AR Resources, I provided email, phone, and mail contact information for me, but they still have not responded to my requests for information, requests for substantiation of the debt, amount, creditor, licensing, etc. They have not responded to any questions. They have not removed this disputed collections matter from my credit reports, and that has already caused substantial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
During a family court dispute. Court records were falsified an hour after my filing by the accused in retaliation to make me look like I had a mental health condition which I do not. I was detained by the sheriff 's department with my court documents and brought to XXXX XXXX The hospital doctor said exactly on camera that " off the record, I can not believe the judge issued a baker act on such an embellishment of facts that are clearly false. But I can not revoke a judge 's order for a 72 hour hold. The best I can do is release you after 10 hours based on the hospitals policy ''. My insurance was charged thousands leaving me with a balance of {$1300.00} with XXXX Florida XXXX XXXX. I explained to XXXX that not only did they hold a XXXX  women on XXXX XXXX causing undue stress to the XXXX and other children, but I was clearly not insane and was XXXX against my will. They refused to drop the bill and sent my balance to collections which has caused financial injury to my credit score and added XXXX XXXX as if being held against my will was not enough. The abuse caused by the broken court system and hospital policies has allowed sane people such as myself to be victimized by their abusers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TX

Complaint narrative:
To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards . I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies 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 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I tried to find my flight information with XXXX XXXX. I could not find any recent emails from them within the past year. I called customer service, found my flight ad was given my log in information. Upon logging in, I discovered I had XXXX expired flight miles. I was asked to pay for the reinstatement of the flight miles. While on the phone wit the customer service person, XXXX XXXX informed me the way I could reinstate my miles were 1 ) to pay {$500.00} dollar 2 ) to find information for a flight taken in XXXX ( I did not fly XXXX  in XXXX ), and 3 ) to sign up for the XXXX XXXX by Citibank. I was told if I signed up for the card, spend {$3000.00} in three months I would receive my points reinstate upon approval of the card and receive the XXXX bonus miles at the end of the 3 months. I applied for the card, was approved and later today checked to see my points balance was still XXXX and my points had not been reinstated. I reached out to customer service where I spoke via chat with XXXX. She informed me I had been misinformed and the credit card is in no way tied to my reinstatement of points. To be clear, I spoke with XXXX for over 30 minutes. I went through very carefully to make sure that my points would be reinstated as she claimed. I asked every question and had been given detailed answers. XXXX informed I would have to sign up for a loyalty point challenge or pay for my miles to be reinstated. I now have a credit card with an annual fee I don't want and still not the miles I had previously earned.

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 2023-03-14 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: Global Lending Services LLC
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
I dont owe this dept I need to dispute this bill reference XXXX or charge number XXXX I dont owe this!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Regarding : Widespread Mismanagement of Auto Loans, Mortgages, and Deposit Accounts Lawsuit incorrect amount of money taken out of my checking account numerous times, i have since closed my checking account with this bank as i was always highly dissatisfied. i also currently have a car loan with this bank as well.

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 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TN

Complaint narrative:
I have chime mobile bank and my phone was stolen I notified chime on the XXXX and an hour before the fraud arcade that my phone was stolen and I had to send in documents verifying my identity to change my email and phone number on my bank to gain access to my account and in the process of emailing chime my information some one accessed my bank account and sent XXXX dollars to there own account I found out on the XXXX the money was stolen I notified my bank and from there I have been getting denied my money I sent in the police report and all the emails showing that I had no access to my account at the time of the transaction but my bank will not refund me my money and its there security team that did nothing to freeze my account at the time I notified them of my stolen phone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. 
The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 
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 non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
It's my understanding that TransUnion is one of the big three credit reporting bureaus along with XXXX and XXXX. 

To keep this brief, my complaint concerns receiving email solicitations for loans from TransUnion. 

This was not information to protect me regarding applying for loans, this is actually a solicitation for me to take out a loan. 

Why is a credit reporting bureau soliciting me to take out a loan? 

How can a credit reporting bureau also be a lender? 

There is something inherently wrong with this. 

Additionally I find fault with the fact that with TransUnion, when you go to look at your FICO scores, in very small print at the bottom of their information they disclose that the score that they show you isn't really your FICO score but something they call a XXXX Score. They go on to say that their XXXX Score is not something that lenders use, yet they want to charge you {$29.00} a month to sign up for a service to supposedly keep on top of your credit score.

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 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I have been having banking, and credit card issue with Bank of America. I have spent hours on the phone correcting their error and they continue to Harass and cause me hours upon hours of phone calls to them just to find out a Bank of America employee has been doing the damage to my account etc. 

They took it upon themselves to say my credit card was in fraud status. Yet it was confirmed last month per my phone call that I made the transaction according to the BOA employee I spoke with. Yet again another credit card was sent out because of their internal disgruntled employee employed at BOA causing me time and harassment. 
This has been now for well over a month of phone calls to BOA to correct their errors and yet again, I attached a letter to indicate what has been going on since the US government does not do anything about consumer fraud and harassment to its US citizens. 

This should be brought to the XXXX 's attention as they tamper with banking security along with customer fraud. 

XX/XX/2023 XXXX XXXX XXXX Fee View/Edit Bank Charge XXXX {$3.00} This is the most active US consumer fraud and harassment I am experiencing. 
This is BOA deceptive practices and fraud to the elderly to start.

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 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On or about XX/XX/2022, a check that we wrote was fraudulently altered and cashed by Wells Fargo. Our bank, XXXX XXXX, opened a case and we filed an affidavit the day we discovered the fraud. Wells Fargo had contacted us by phone ( left message ) and by email the same week of XX/XX/ 2022, to let us know that they suspected check fraud happened. They somehow still cashed the check by the time we responded to them and now we can't seem to get our money back. It is clear to us that Wells Fargo suspected the fraud and yet cashed the check anyway. Our bank, XXXX XXXX, has contacted Wells Fargo multiple times and they have not responded, to the best of our knowledge. 

XXXXXXXX XXXX case number : XXXX Check amount : {$18000.00} Cashed on XXXX, XXXX, 2022

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 2023-03-14 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$18000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5800.00} 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 non-monetary relief
Consumer complaint received 2023-03-14 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$18000.00} XX/XX/XXXX XXXX & XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5800.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: UT

Complaint narrative:
The item on the report in question is KOHLS/CAPONE for {$180.00}. I tried reaching out to KOHLS at ( XXXX ) XXXX and they told me they could not find my information and was unable to assist due to not having my information on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MN

Complaint narrative:
I was looking to refinance my home so I XXXX and Amerisave came up. They process everything and I emailed me about offers and steps. I talked to a person name XXXX XXXX. When spoked he gave me the steps and outline promising me that I can refinance for a better interest rate than I already have. He asked me all my information and ask me to send my information to refinance a home promising me that it will pass thru and a appraisal will call as it will be the next steps. I have asked him multiple times if my debt to income ratio might be a problem and if that might reject the application. He stated that it shouldnt be an issue. As I submitted everything and my application was rejected. I tried calling, texting, and emailing XXXX but he has ignore all means of communication. He refused the explained to me what happened. If I knew my debt to income issue was the problem I would never complete the application for them to process my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX HELVEY & ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious HELVEY & ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
This bank has been horrible since XXXX changed companies for their XXXX XXXX XXXX XXXX XXXX Credit Card program. Didn't get my cards on time as promised back in the fall. And now they are not fulfilling their responsibility to provide reward redemptions. 
XX/XX/XXXX I submitted requests for point redemptions on two cards. 
XX/XX/XXXX I found that my bank had received payment in pennies not in dollars- misplaced decimal points by two places!! I contacted the bank online through the account XX/XX/XXXX they responded that they are aware and are fixing the problem Today is XX/XX/XXXX and it is still not resolved. 
Due to issues in getting the cards set up in the first place the bank promised extra points for this past XXXX. Then I received a notice in XXXX that they hadn't done points correctly for XXXX and had made adjustments to correct the issue. No report was provided to reflect the mistake or the fix. The fix effectively wiped out the extra points that had been promised.

Company response to consumer: Closed with explanation