vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
On XX/XX/2022 Caine & Weiner received my demand for debt validation Pursuant 15 USC 1692g requesting a full audit trail, including a ledger signed by the accountant who oversees Account # XXXX. Caine & Weiner sent me a copy of a final bill from XXXX XXXX XXXX XXXX  in response. This final bill gave me no information to verify this alleged debt, as Id never done business with them. Caine & Weiner is preventing me from exercising my right to validate a debt. This is directly impacting my ability to secure new lines of credit. California Attorney General, XXXX XXXX, has been copied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: AR

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 U.S.C 1681. XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are violating 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 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2022-06-19 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: Thaxton Investment Corporation
State: IL

Complaint narrative:
I have another complaint against this XXXX  company Heights Finance with you XXXX after they lied  to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district manager told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: SC

Complaint narrative:
Capio Partners has violated my federally protected rights under 15 U.S.C.1692g. Per my consumer reports, this debt collector opened a collection account on XX/XX/2022 in the amount of {$1000.00}. I DID NOT receive a XXXX Validation Notice pursuant to 15 U.S.C. 1962g. As a result, I was not afforded my right to dispute this alleged debt within 30 days pursuant to 15 U.S.C. 1692g ( a ) ( 3 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase checking card started taking disputes replenishing the money waiting until the account was even then stating I had a negative balance which I did not. In fact the customer service representative realized what I was saying was accurate and went to speak to her superiors who stated the account would be closed. Okay why there was direct deposit coming in then literally a month later Chase credit card closed my account. I ask why what is going on? no one states anything. I filed a police report for unrecognized transactions earlier in the year for fradulent behavior. I asked to speak to someone who is in charge and they said there is no further information they can gibe. I have no idea what is going on but it is my belief their is a representative that works at Chase who is doing things to my account, mostly because it is way too often within an3 year time frame where a disgruntled employee had access to my chase account number. I went as far as changing the account number and its still happening. Chase has closed my account twice now for no reason affecting my credit as I have had this chase credit card for 6 to 7 years and I dont deserve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have deposited the check with Wells Fargo Bank in the amount of {$4700.00} on XX/XX/22 to the second alternative account I opened around XX/XX/22. Prior to this check deposit I also deposited cash to the same account. A few days later I received the letter stating that the check 's full balance will be available to me only XX/XX/22 citing " new account ''. On XX/XX/22 I immediately called Wells Fargo saying that there is no fraud or falsehood involved since I had already deposited a hefty cash sum to the same account and demanded the release of my money before XXXX-I connected my credit cards for the scheduled auto pay. The complaint was logged, but the deposit remained frozen. On XX/XX/22 I called Wells Fargo again asking to release my funds. I was connected to the escalated service department, to the agent by the name of XXXX. That said XXXX refused to provide his identification number and said that this is the bank 's usual practice to hold money for the so called " new account ' for more than 6 business days and hung up on me! In fact Wells Fargo has been holding my money for eight ( 8 ) business days!!!! Please take into consideration that the officer who opened my account did NOT say anything about these restrictions of a " new account ''. Wells Fargo put me in this frustratingly absurd situation where I should ask for my own money to be available to me?! And meanwhile should I suspect Wells Fargo using my money for its own purpose?!

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 2022-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Credit card account open it Fraudulently on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my XXXX credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote XXXX a letter on XX/XX/XXXX to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay XXXX wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. 
XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist. 

COMPANY : TOYOTA MOTOR INQUIRY DATE : XX/XX/XXXX Attached is the letter i wrote to XXXX and the letter XXXX wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am trying to Log In to Equifax to get my free credit report. My password does not work, the same password I wrote down years ago. 

OK, fine, so I use their system to send me a password reset. 

This is what I get, over and over again. ( See attached ) No code, just a message : " Your Verification Code ''. NOTHING ELSE. I have no idea why. ( see three examples of this attached ). 

I have tried this multiple times and get the same result. 

So I try to call in to speak to someone. They lead me through this entire process then say " No agent can speak to you now ''. OVER AND OVER AGAIN. 

They tell me to mail in documents. WHAT DOCUMENTS?? I AM TRYING TO LOG INTO YOUR SYSTEM. There is no process by mail to get this information. 

Please have them contact me somehow with the email they already have XXXX because I have no way to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
We were forced into bankruptcy because of COVID. I tried to work withour original lender but they were no help. Bankruptcy payments have been made and I have also made several double payments. My loan has now been sold to Mr. Cooper and none of the ( 1 ) payments from the bankruptcy trustee, or ( 2 ) the extra payments I have made, have been applied to the account. I just received a notification that I still for a XX/XX/2021 payment. 

Before the loan was sold, XXXX XXXX XXXX held approximately {$30000.00} in unapplied funds. I don't even know if my escrow payments are being paid to escrow. I would like my payments to be properly applied to my account, or I will have to hire an attorney to prosecute them as acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I have a mortgage with Mr. Cooper. In XXXX they did not make my hazard insurance payment. After being contacted by me and insurance company multiple times they sent a check but I was informed by my insurance company that it was returned by the bank due to a stop order being placed on the check. I've emailed and called ( I wasn't able to reach in agent it keeps disconnecting ) and this servicer is terrible. I had more than enough in my escrow account and I need to know what happened to my money in order to pay the insurance company. They're giving me XXXX weeks to get them payment and this servicer doesn't respond at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
On XX/XX/2022, I submitted a request to transfer money out of my First Tech Credit Union checking account to an external account. On XX/XX/2022, the bank canceled the transfer, froze my account, and indicated that it is under review. I have not heard anything from XXXX, and telephone representatives have been unable to assist.

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 2022-06-19 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: AR

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 U.S.C 1681. XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are violating 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 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2022-06-19 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: AR

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 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are violating 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 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2022-06-19 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: KS

Complaint narrative:
In accordance with the fair Credit Reporting act 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have had a number of issues with this bank since they acquired my mortgage from XXXX in late XXXX. They stopped my escrow account and stopped collecting home insurance and I had to assume payment of it for a bit. I had to point that mistake out to them. Their Insurance department is totally incompetent. During this time, their insurance department sent me a letter asking me to get the Insurance policy information on the building for them. I reached out through social media and said that I am not doing their job for them. I gave them the contact information for the property management company and told them to do it themselves. I live on the top floor of my building. It is a cooperative building, so I own shares but not the actual unit. I had leaking in XXXX which the building poorly repaired, so I had to pay to fix the repair out of pocket. I reach out them that now in XXXX that I have mold. They told me that the Insurance and Legal department told them that it is not the bank 's problem. I am required to have insurance on the unit while my mortgage is in place and they want the building 's insurance policy but do not care that the building is not being maintained. I am attaching the mold violation that the city put on the unit. They should have at least sent me the building 's policy information so I can file a claim. I want nothing to do with this bank. If I did not care about my credit, I would stop paying the mortgage as I am in a building with mold. I honestly want them to stop having people to call me, just to act like they care. I propose that they sell my mortgage or I will just sell my apartment to end this relationship. It literally makes me sick each month when I have to pay my mortgage to them. They are the worst financial institution that I have deal with in my entire adult life and I am 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 2022-06-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom it May Concern : On XX/XX/2020 I went to XXXX to redeem a voucher for a plane ticket. The website is very outdated and they do not make it clear where you are supposed to enter the voucher number. I got to the part, where I had to enter my credit card number and I entered my bank of america credit card number because it wouldn't let me progress to the next screen otherwise. After I hit next, the website crashed and I thought that I did not think the purchase had gone through. I did not receive any emails of any kind regarding a ticket I had purchased. The next day, I saw that the charge had hit my bank of america account. I immediately tried to get in contact with XXXX in order to cancel the ticket and get my money back. Getting hold of them turned out to be very difficult. I reached out many times via chat and was told each time there was nothing they could do via online chat. I called several times, and the phone would ring for hours without anyone ever answering the phone call. I have a screenshot of a phone I placed on XX/XX/2020 for over XXXX hours. No matter how long I waited no one would answer the phone. I even went to the airport to try and resolve this issue and they said I had to call. I did not use the plane ticket nor did I even get a confirmation that I had purchased a plane ticket. They need to refund me this money and improve their customer service. The fact that no one answers the phone is ridiculous. Please reimburse me the full account. I have been a client of yours for over 20 years and have never had any of these types of issues. 

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 2022-06-19 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX  Account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX number 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

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