vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX someone else used my credit card fraudulent to purchase an XXXX XXXX XXXX XXXX without my consent at an XXXX XXXX XXXX XXXX XXXXXXXX. 
The credit card was in my possession at all times. After finding out that my card was charged fraudulently I contacted Citibank ( the card is theirs ) and let them know on the same day that my card was charged for the amount of {$1500.00}. They replaced my card with a new one and a new account and the amount was put on hold due to the fraud investigation. 
On XX/XX/XXXX the charge was reinstated. Contacted credit card and their answer was that the charge on my credit card was valid and myself picked up the merchandise from the XXXX store based on the answer from XXXX. This charge is not valid. I was not ordering anything and i did not pick up anything from that store period!!!. Of course XXXX said it was me because they do not want to be left empty handed!!! Shame on them!!! 

If this is the way that a credit card company is protecting their consumers then they are very WRONG!!!!.

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 2023-02-15 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: GA

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 non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Collection letter with account number : XXXX with a balance of {$51000.00} from an old account. Which has a date of last payment XX/XX/2013 this account is already outlawed and with misleading practice tries to collect this account. When I call I give them the account number and they answer me with another number and another person name. Insisting that if I listen to them to try to get me to tell them yes. And edit the call using my voice to use as if I affirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
This debt collector has continued to try to collect a medical debt when I carry both VA insurance and Medicaid that covers all medical issues. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is why I have VA insurance and also pay for Medicaid out of my SS XXXX. The fact that this company acts predatory and continues to try to collect money from me rather than bill the VA or Medicaid is unreal. A XXXX Veteran should not have to argue with a collection company over an invalid medical debt. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: AL

Complaint narrative:
On XX/XX/20XXXX Service Loans of XXXX Alabama pulled my credit report without my authorization.

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 2023-02-15 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: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
On or about XX/XX/2022 LVNV funding called my work number and spoke with my boss also my brother about a debt that I owe. The collar kept insisting that it was XXXX that he was speaking to when he in fact was speaking to XXXX he stated that I needed to take care of this debt or they were going to take me to court or has told the gentleman three times that he was not me and that they had been told previously not to call the work number they had my personal cell phone number. I do believe that this is a breach of my privacy especially since I never authorized or entered into a contract with them and I never gave permission for anybody to share my personal information with a third party! I feel that I am entitled to compensation and I believe that lvnv funding needs to correct this and remove those negative items from my credit reports. I filed a grievance with a XXXX XXXX XXXX against them against XXXX and XXXX they kick the XXXX and XXXX back saying that that was not an issue with them I had to take it up with LVNV. Prior to this my brother had agreed to cosign a loan in the amount of {$15000.00} for myself to make necessary repairs on my house since then he has decided against this because of this action this has really hurt me financially and I don't think they should be able to get away with it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Experian Information Solutions Inc.
State: GA

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 non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I recently received a copy of my credit report which showed an account balance of " {$5400.00} '' from " Genesis Credit Management '' which I do not recall authorizing. I understand that an account should not show on my credit report if I have not authorized it. Please have this inquiry removed from my credit immediately as it is making it difficult for me to acquire credit. I have reached out to the company via email for verification of a signed contract agreement with them, which they have not provided. They also have repeatedly called me regarding this alleged debt. According to the fair credit reporting act, section 609, ( a ) ( 1 ) they are required by federal law to verify through physical verification of the original signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: MI

Complaint narrative:
I was given a XXXX gift card from a relative, had had problems from the beginning trying to use the card. when I went to a store in XXXX it was declined, I had never used the card. called the company and there was a XXXX withdrawl to XXXX new york. I have never shopped at XXXX. I have called the credit card company 5 times and have faxed all the info they have wanted from me 4 times. Now they state after over a month that they can not read the info, the faxed cards number 's will never be seen on a fax due to the picture on it, I was asked to supply all info, receipt, my drivers license, copy of the card front and back, my address, phone, name etc. 
the credit card company is abcorp. issued by U.S. Bank National Association. 
I did not use his card. I was asked my code when I was unable to use the first time. I think am employee of the company used the card, it was used on XX/XX/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 monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Bank had an account of mine still open after I closed it 5 years ago in a branch. 
Its an account thats had NO money in or out of it for 5 years plus. I opened the account when I was XXXX and my Mother was placed on the account so I could open it. My mother had outstanding credit card dept that was never mentioned to me, and she wasnt contacted correctly due to address change. Somehow since my mother is on that account with me the dept collectors attacked my closed account for over {$11000.00} that has NOTHING to do with me. XXXXapital One did not close my account when I asked them to/ went into the branch 5 years ago. 
This has caused a huge mess for me and still shows negative {$11000.00} plus in my account that hasnt been used for forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF THE WEST
State: MO

Complaint narrative:
On or about XX/XX/XXXX I XXXX XXXX opened a checking account thru bank of the west online I had to verify my personal identifiable information by providing a picture of my Driver 's license and provided my social thereafter I was notified I had until XX/XX/2023 to fund my account for it to remain open! I intended and even used routing and account number on my federal tax refund to be direct deposited in my bank of the west checking account yesterday XX/XX/2023 when I called online customer service and a local branch in XXXX I was notified my account has been closed! Bank of the west closed a new account of mine without any due notice to me even still getting text messages attached showing I had until XX/XX/XXXX to fund it! Now my taxes will be rejected and mailed to me and bank of the west caused me economic harm and potential violation of Missouri human rights violations since I'm of diversity and they did this without notice! Shame on Bank of the West for causing me economic harm! How u gon na have me verify my identity online via my ID and SS # and then close the account without any notice or without merit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I read last month the Federal Reserve suspended Regulation D ( only allowed 6 transfers per month from savings account via online or telephone ) indefinitely. However it stated each individual bank could decide if it wanted to keep or discontinue Regulation D. I called my bank ( 5th 3rd Bank ) to verify what their position was on this matter on XX/XX/XXXX at their branch at XXXX XXXX XXXX XXXX Oh at XXXX and a male bank employee there told me 5th 3rd Bank had suspended Regulation D and I was free to make as many transfers from my savings account using any means that I wanted toI called 2 more 5th 3rd telephone numbers to verify this info/-I call their call center at XXXX and spoke to a XXXX who told me the same info as the XXXX XXXX XXXX then called the 5th 3rd branch on XXXX XXXX XXXX  Oh XXXX XXXX -an employee there named XXXX told me that Reg D was still in effect at 5th 3rd Bank and the 6 monthly transfer limit was still in effect/I really need to know 5th 3rds exact position on this matter because I dont want to violate some regulation and be penalized with losing my current account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following inquiries are fraudulent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 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: NC

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 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 explanation
Consumer complaint received 2023-02-15 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: FL

Complaint narrative:
my card was working fine yesterday XX/XX/22 i wake up this morning i cant login XX/XX/22 and bank of america telling my account is closed with no reason at all i needed my money for bills now i dont have none and confused on too whats going on because i also got business accouny with then and my business account is fine.

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 2023-02-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I notice that theres information thats on my consumer report that is a result of identity theft. I didnt not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
Please be advised that my request to block isnt being made in error ; not is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transitions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your diligent assistance and immediate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: GA

Complaint narrative:
The following inquiries are fraudulent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The following inquiries are fraudulent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting 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 15 U.S. C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-02-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I opened an account with HSBC on XXXX XXXX I moved all my payments to go into that account I had a payment that was due to go into the account on XX/XX/XXXX for XXXX and XXXX both payments have not gone into the account as the imitations team have put a hold or block on the account I have been to the branch 3 times and provided XXXX XXXX statement and proof of adress they have on there system currently I have phoned on multiple occasions also as I need the money to pay rent ( now overdue and bills also over due ) and for food my partner is XXXX and so is my daughter who are both vulnerable the bank have encashed the payment and told me to wait 3-4 weeks for the check and then the money would be credited to the account how ever I asked for the payment to be bounced back to sender so I can be paid a different way which they refused and want to hold onto the money for 3-4 weeks which is illegal. I had a 20 payment from a family member sent to the account but that bounced back as no money can be credited or debited to the account at this current time due to the hold how ever they did not return the money in question and think they can hold onto it leaving me without any food for me and my young family and no money to live or pay bills and rent they dont care and people in branch also didnt seem to care either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-South Adjustment Co., Inc.
State: LA

Complaint narrative:
Mid South Adjustments in XXXX XXXX AR put a collection account on my credit report. The account was paid in full to XXXX XXXX before MSA put it on my credit report. I want it removed and MSA investigated for putting the accounts they receive from clients on credit reports without first making contact with the person. They do this all the time. They put the account on the persons credit report as soon as they receive it. They must be stopped, this is not how it is supposed to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: NC

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  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 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