vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMS Inc.
State: OH

Complaint narrative:
15 U.S.C 1692 ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection if any debt. 15 u.s.c 1692b Any debt collector communicating with any person other than the consumer for purpose of acquiring location information about the consumer shall identify himself, state that he is confirming it correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; 15 u.s.c 1692b ( 2 ) not sate that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in debt collection buisness or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2023 we tried to cash our Ohio state tax refund check at PNC Bank in XXXX Oh. on XXXX XXXX XXXX XXXX XXXX. We each had our drivers licenses and we have an account with them were told we needed other XXXXXXXX. We refused to give them any other XXXX. We were in the drive through and they had a video teller. 
we called the bank manager and told them the situation and they said they had no way of knowing who we were. I told her I didn't know who I was speaking to on the video camera. She said if I used a live teller there would be no problem. We have used this bank for decades and never had a problem cashing checks until the video teller. For all we know somebody could have hacked that video caller and then they would have all our information. The manager said that's their policy. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I am writing this complaint to BMW FINANCIAL SERVICES. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
In 2018 I had an account with Exeter finance and then totaled the car that I had with them my insurance paid most of it but the XXXX XXXX  paid the rest and I have the documents to prove that. Also every time I try to dispute it, it comes back updated as if its a current charge off and thats really affecting my credit and my life. I cant get a new car or any loan because of this inaccurate and illegal use of my information. Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my infq, pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I spoke with Chase bank fraud department today, XX/XX/XXXX, to tell them about fraudulent use of my checking account to pay an XXXX bill which is not mine and was not authorized to be paid with my account. I gave them dates and amounts. XXXX XXXX, XXXX for XXXX ; XX/XX/XXXX for XXXX ; XXXX XXXX, XXXX for XXXX ; XX/XX/XXXX for XXXX ; XXXX XXXX, XXXX for XXXX ; XXXX for XXXX and XX/XX/XXXX for XXXX. I asked that i get the money bank for these fraudulent withdrawals. I was told to call XXXX who would not help since I did not know the thefts name and address on the account. XXXX did admit that my bank account was paying the thief 's bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX an unsigned Writ of Execution ( dated XX/XX/XXXX ) was received by my employer and was sent to me via email on the XXXX  of XX/XX/XXXX regarding wage garnishments. I contacted the company listed on the Writ as the plaintiff XXXX Guardian Capital Management Hawaii LLC ) in which they advised they don't have the file and I have to contact the attorney listed on the Writ. I then made several attempts to contact the attorney XXXX XXXX XXXX XXXX XXXX and XXXX ) by phone on the number listed on the Writ of Execution which is XXXX, and spoke with XXXX XXXX who confirmed she received my voicemails and forwarded them to XXXX XXXX who is the attorney working on this case. However, after many attempts made to contact XXXX XXXX, I had not yet received any call back to discuss this case as of XXXX XX/XX/XXXX. I have never received a court summons for the hearing that created this judgement against me nor have I received the Validation Notice that they are required to send me prior to garnishment. The Validation Notice is to include a full accounting of debt principal, interest, original loan date, and current amount due as well as original creditor and account number. This debt has not been verified nor confirmed by me as being a legitimate debt. This debt does not reflect on any of my credit reports that I recently pulled as of XX/XX/XXXX. I had filed XXXX XXXX XXXX in Hawaii on XX/XX/XXXX so all existing debt at that time was discharged and furthermore, I paid off all open collections listed on my credit report as of XX/XX/XXXX. I then submitted a letter of dispute by dropping it off to the attorney 's office as well as mailed a certified signature receipt required copy via XXXX yesterday XX/XX/XXXX. I have been living in XXXX XXXX since XXXX and did not make any new loans. All companies involved ( whoever the original debtor is ), Guardian Capital Management Hawaii LLC and the XXXX XXXX XXXX XXXX and XXXX did not follow the CFPB regulations. Only after I left another voice message for the attorney stating that I was filing a complaint with the CFPB and Federal Trade Commission did I receive a phone call back which was at XXXX ( XXXX  ) on XX/XX/XXXX. I then met with him when I dropped off my attached letter of dispute in which he stated he will contact his client to remove the Writ of Execution of wage garnishments and advised he will hopefully hear back by the end of the week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: OPTUM BANK, INC.
State: ND

Complaint narrative:
I had an XXXX Account with Optum Bank for a number of years while I was working for my former employer. After obtaining new employment, I began being charged a {$2.00} monthly maintenance fee on my account. Since I established as XXXX Account through my new employer, I called Optum Bank and inquired whether I could transfer the remaining funds to an XXXX account with a different bank to avoid incurring the monthly maintenance fee going forward. I was told to complete a form and fax it to Optum Bank. At the time that I made this inquiry, my account only had a low balance. I was never informed that there would be a {$20.00} fee associated with making the transfer. The form I signed made no mention of the transfer fee or indicated my agreement to pay fees for the transfer. Therefore, I was caught off guard when I received notice that only {$100.00} was being transferred to my new XXXX account and that Optum Bank was retaining {$20.00} as a transfer fee. 

Customer service at Optum Bank profusely apologized and said no funds should have been transferred without my consenting to the {$20.00} transfer fee. Customer service told me that Optum Bank prohibits customer service, including supervisors, from refunding the {$20.00} transfer fee under any circumstances. She said that there is nothing that can be done at this point to get the {$20.00} transfer fee reversed. 

The {$20.00} transfer fee is unconscionable. Had I been advised about the fee, I would have opted to continue using the account until the funds were fully spent, even if it resulted in a monthly maintenance fee of {$2.00}. 

I would like a refund of the {$20.00}, so I can use it for medical expenses rather than for a payment of an arbitrary administrative fee that I never agreed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On Monday XX/XX/2023 I deposited my work check {$330.00} at the TD bank on XXXX XXXX in XXXX. The money went through and was in my account on Tuesday. It was there when I went to bed. I paid a {$110.00} XXXX  credit bill and a {$63.00} XXXX credit card bill. I also withdrew XXXX $ to have cash and sent a friend XXXX $ for food along with a {$12.00} XXXX ride as I the money was in the account. The check was cleared. It was my money. There still shouldve been over {$110.00} on top of my tax refund from XXXX XXXX XXXX block of {$150.00} I checked my phone bank and instead I was at a - {$130.00} or XXXX before they credited me 15 as the negative charge was not my fault. I called the back asking about a negative charge for the amount of the check they claimed did not go through the federal reserve. I asked why they cleared the money to my account then and let me spend. The said theyd clear in good faith. That makes no sense. Sounds like its between the employee bank XXXX and them. However, I contacted my employer and she sent a screenshot of bank statement and contacted her bank saying it went through. Her name is XXXX XXXX and the company is XXXX XXXX XXXX in XXXX PA XXXX. The bank took my refund and my money and still says I owe more. They are sending a non fed check. Between the employer and both banks I cant say who needed it but all I did was delay y check, wait till it cleared to pay some bills have dinner with a friend and his son and now no one wants to be responsible for the money I worked for. I now have negative money untill I start and get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
I attempted to dispute a couple of accounts with Transunion in XX/XX/XXXX and then XXXX. While some things were fixed, I have two collection account and hard inquiries remaining where I believed they never investigated. To my knowledge they are suppose to investigate at request and when I called to get an update on some accounts, they told me that they refused to investigate because they didn't know it was me. I've even sent my ID and bank statement in a letter before, and they still send me a letter saying they didn't know it was me. 

In XX/XX/XXXX, I used a credit repair company called XXXX XXXX to dispute two accounts XXXX XXXX XXXX XXXX XXXX XXXX deleted it without question ) {XXXX XXXX XXXX XXXX XXXX  I checked in XXXX to see if the accounts were showing they were disputed, and they showed. A couple months later, XXXX the XXXX XXXX I checked again, and they just showed as updated, there was no investigation done. So I called and the representative said they refused to investigate the two collection accounts. I also submitted a request for an investigation for some hard inquiries to me removed, and they refused to investigate those as well. It has been a month now. This is really affecting me getting a house.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
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: NY

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. 1681i section 611XXXX states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumers file.The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). A dispute was submitted on XXXX XXXX to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in the Fair Credit Reporting Act.

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 2023-03-15 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: VA

Complaint narrative:
I asked the credit agencies to validate the information that's reporting on my credit report and they have failed to provide me with this information and its negatively reporting on my credit report. According to the Fair Credit Reporting Act. 15 U.S. Code 1601 Truth and Lending congress states that accuracy and fairness of credit reporting should be reported. 
In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: VA

Complaint narrative:
I asked the credit agencies to validate the information that's reporting on my credit report and they have failed to provide me with this information and its negatively reporting on my credit report. According to the Fair Credit Reporting Act. 15 U.S. Code 1601 Truth and Lending congress states that accuracy and fairness of credit reporting should be reported. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2023-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Next Door Lending LLC
State: TN

Complaint narrative:
On XXXX I began receiving unwanted text solicitations from werenextdoor.com ( XXXX ) XXXX Next Door Lending and these have continued with no choice to opt out for over a month. I did not initiate any contact with this company and it is my understanding that I must give permission to continue texting me or an opt out. I do not have these. 

I would like this illegal harassment to stop and this lender reported to the proper agency so fine can be levied and I believe they owe my compensation for this unwanted, continued and illegal harassment. 

I have received well over 100 calls and texts from mortgage companies after my credit was pulled my a mortgage lender and going forward I will be reporting each one that violates my privacy through these texts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Discreditor had sent me a bill near the end of XXXX for {$89.00} for medical bill I have sent them a verification letter and have not received anything within the 5 days and it's going on almost 30 days as I've sent them a verification letter certified and I still haven't received anything about this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You are reporting a collection account that I am unfamiliar with, and I believe that an investigation has not been done because this account is still reporting on my credit report. I do not have an obligation to pay XXXX XXXX anything. The original creditor is XXXX XXXX and the balance I have with them is not what I have record of so I am confused as to why this collection agency is reporting anything to the credit reporting agencies. It is the responsibility of the credit bureaus to make sure that all data furnished is correct and in compliance and they have failed to do so. I am demanding that this account is investigated and removed from my credit report if you are not able to validate this account. I will attach the agreement that was sent to me. There is no mention of having this account sold to a collection agency, and there is no balance referencing what is being reported 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
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The following names are being reported on my consumer report and it is not my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are being reported on my consumer report that are not mine and need to be removed immediately. 

XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXX The only name that should appear on my consumer report is the following. 

XXXX XXXX XXXX XXXX The only address that should appear on my consumer report is the following XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: FL

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-03-15 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I want the credit acceptance account and the automated rent debt collection removed from my credit. Both accounts have been paid

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 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bought some cryptocurrencies through my bank for a total of XXXX dollars. By means of chase bank to crypto.com and I was a victim of fraud, I made the appropriate complaint to the respective entities and with none I have managed to get an answer and I consider my bank should have warned me or protected my money by seeing the amounts that were being handled.

Company response to consumer: Closed with explanation