vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 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: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
This debt collector has impacted my credit score by making falsifed debt collection. Here is infomation about this company, XXXX XXXX MCA MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX. This company has been calling and texting me nonstop for weeks, harrassing and threating me with text messages. When I tried to call them back using XXXX XXXX XXXX XXXX XXXX XXXX, they ingored and hung up. They are very rude and bully. I will not answer their calls because I can not commuicate over the phone with XXXX, XXXX XXXX  and so is my wife. Also this debt was over XXXX XXXX XXXX and I have talked to that medical company and they made a mistake and they still refused to correct their mistake since the balance was already paid off 4 years ago, they still send me a bill 4 years later and I refused to pay for it. This is unacceptable and I have very good credit record. Being XXXX  is very difficult for me to commuicate with these people. I believe this should be waived and removed but both of them have pushed this negative report credit on my credit report. I have copied and paste below here from XXXX Credit Report. 

Updated : XX/XX/2023 Back to Credit Summary Accounts With a Negative Pay Status LENDER TYPE BALANCE XXXX XXXX XXXX XXXX Other {$72.00} Status Date Reported XX/XX/2023 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 0 Years, 4 Months Credit Limit Not Reported Highest Balance {$72.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Remarks Placed for collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX, has violated my rights XXXX 
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 2023-01-25 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The following debt collection agency Portfolio Recovery Associates , LLC has sent out a notice regards to payment of over {$11000.00} from XXXX CREDIT CARD on partial account # XXXX I have no knowledge of this debt it is not mine the address on file is not affiliated with me in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: OK

Complaint narrative:
In XXXX I started service with XXXX XXXX XXXX, their service was always an issue with delivery date and time. After a few bad service I decided to request a pick up of the equipment. To my surprise, I was told I had to bring the equipment to the warehouse location on XXXX at XXXX XXXX and if no one was there to take a photo of the equipment sitting at the door and forward to the person on duty. I did exactly that. I called later to make sure they had received their equipment and that was confirmed. Going forward in XX/XX/XXXX going over my credit, I see Collection Bureau Of America, Account number XXXXand called the number XXXX and spoke to XXXX, XX/XX/XXXX who was very rude, her voice tone was snappy. I explain to XXXX, the information reported was incorrect because I do not have a balance, there was a charge because of the equipment and the equipment was turned in that same day I spoke with a manager. I am disputing the charges of collection fee {$36.00}, NSF fee {$25.00}, {$100.00} ( that XXXX could not explain what this fee is ), late fee {$98.00}. Again XXXX was not able to explain these additional fees. I explained this was important to me because this is incorrect and I need this corrected. Since that date I have called 3 rimes to have this corrected and I have gotten absolutely nowhere. So I am reaching out for this to be corrected. I do not have a balance on this account, I only had to turn in the equipment, which I did do exactly that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: PA

Complaint narrative:
I noticed that there were several inquiries on my report that I do not recognize and did not authorize. There are all listed below 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

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 2023-01-25 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: PA

Complaint narrative:
I noticed that there were several inquiries on my report that I do not recognize and did not authorize. There are all listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I received a letter in XXXX explaining my escrow was going to be short and my monthly payment would be increasing as a result. Then I received a letter saying I was going to have force placed insurance purchased on my behalf because of insufficient coverage. I have been trying to figure out what is going on with so so many phone calls to my mortgage company. Almost every call gets me a different explanation with little to no help to actually resolve the situation. I have been told I was being charged for a force placed flood insurance policy, that I have two different homeowners insurance policies being billed by the same company, that I do not have sufficient coverage, and that the master insurance policy for my hoa can not be applied to my account because of the property type being labeled as a single family home when it is actually a townhouse. I have spent hours and hours on hold, explaining the situation, re explaining the situation, and asking for support to have this addressed so my mortgage payment could be accurate. 

To. No. Avail. I am exhausted. I am angry. My time is being wasted. I am not being respected. 

Everyone on the customer service line politely tells me that after any changes are made I will be reimbursed for overpayment. At this point, I have not been able to correct the first error in the escrow account ( two different policies with the same insurance company being factored into escrow, when only one policy actually exists ) which has already increased my mortgage by almost $ XXXX/month as of XX/XX/2023. Now they are additionally threatening to increase my mortgage even more due to force placed insurance that I do not need. I have little confidence in their ability to accurately address these issues due to my experience thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo approved me for a loan modification on XXXX of 2022 ; I was approved on the phone by one of their representatives. I was making payments towards my loan modification that I was approved for in order to be current on my mortgage. During my loan modification trial, Wells Fargo notified me that they were no longer my lender and that I should contact my new lender. Two weeks later, I receive a notice that my house has an auction date scheduled. The new lender, XXXX XXXX, did not have any information on the loan modification Wells Fargo had approved me for. If I wouldn't have contacted a lawyer at the time that I did, I would be on the street right now. Because of Wells Fargo 's carelessness, I have to file a XXXX  XXXX bankruptcy even after being approved and paying everything on time during my loan modification.

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 2023-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
HELLO I am writing your office today to file a formal complaint against, CAPITAL ONE AUTO FINANCE, & XXXX XXXX XXXX am requesting that this matter be thouroghly investigated. Late last year, I requested a quote from Caiptal One they gave me quote, meanwhile I found another company that gave me a better rate so, I proceeded with them, I let Capital One know that I was no longer interested.OnXXXX, I received a call from the company I chose says that they called to get the balance from XXXX and they told them that it was XXXX. So called XXXX XXXXiled a complaint that I never authorized this loan and to forward all document on this loan for my review.Then I called XXXX XXXX and ask them why would they push my throw without my approval, filed writen compliant requesting my signature on any document and all verbal authorization they have, They both verbally agreed on recorded line to UNWIND the loan and correct the error, said it would take 30days. On XX/XX/2023 Rep from Capital One called said XXXX is not sending check back.the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 FRAUD INQUIRY PLEASE REMOVE

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 2023-01-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I have a charge off with Toyota Financial for {$150.00} and XXXX with XXXX XXXX for {$950.00} across all three credit bureaus. This car was declared as flooded and totaled by my insurance company and fully paid of for over XXXX XXXX I was only responsible for XXXX XXXX of the leased amount. I have reached out many times to ask these XXXX companies why this is a charge off on my credit report I never received a 1099C to claim this on my tax. Can you please help to get removed I exhausted all my other options already with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 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: IL

Complaint narrative:
AFTER A THOROUGH REVIEW OF MY CONSUMER REPORT, I HAVE IDENTIFIED SOME ERRORS AND WOULD LIKE TO FILE A COMPLAINT BECAUSE I REALIZE THAT MY CONSUMER RIGHTS HAVE BEEN VIOLATED. ACCORDING TO THE FAIR CREDIT REPORTING ACT. 15 USC 1681 ( a ), defines the Rules of Construction ( 2 ) ( a ) ( i ) states the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transaction and utilization is an experience created by credit usage.

Experian is reporting late payments on accounts listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This experience has been created as a late payment on in the month of XX/XX/2023. 
This information has been sold to a 3rd party and applied to my account without permission. 15 USC 1681 ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no term in accordance with the consumer to whom it relates. 
I have never provided XXXX, XXXX or written instructions to report anything to my consumer report, not to mention the late payments/utilizations. According to 15 USC 1681 602 congressional findings and statement of purpose states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. This also states the banking system is dependent upon fair and accurate credit reporting. Items run which are reported inaccurately appear on the credit report directly impair the efficiency of the banking system and contribute to unfair credit reporting methods. Inaccurate reporting undermines public confidence which is essential to continue the fair and lawful functions of the banking system. The inaccurate reporting of these late payments and my privacy right have been violated due to XXXX. My Consumer rights have also been violated by allowing late payments/utilization to report on my consumer report. I have previously informed your company to remove this information. With this notice, I am requesting this information to be updated accurately on my consumer report, late payment and utilization reported on my credit accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX, has violated my rights XXXX 
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 2023-01-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have 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, has violated my rights XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/XXXX, I opened a checking account with CitiBank pursuant to a promotion. The promotion basically called for me to deposit {$50000.00} within a certain time, and then keep the money in the account for a required period of time. If I did this I would receive a {$700.00} bonus within a certain time. I satisfied the requirements and waited for several weeks past when the bonus should have been deposited. It was not. Finally, about a month ago I called Citi, They admitted that I had satisfied the requirements, but there must have been some problem on their end. They said to wait until a certain date and I would be notified. I was not notified so I called back. Thus began a period of time about a month long where they would always say they needed 5 or 10 extra days. I would call back on the designated date because I had not received the money and they would put me off again. This happened again and again. The most recent date they gave me was today ( XX/XX/XXXX ). No money again so I called back today. Again they acknowledged that I had met the requirements, but wanted 5 additional business days. I need help to get this money that everybody agrees I am owed.

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 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX and XXXX XXXX, I was scammed into sending money through XXXX ( connected to my Bank of America account ) for fake products/ services through a girl I met on a dating app. It was obviously fake and they just took my money that I accidently sent through a link they provided. Two transactions of {$1300.00} and {$800.00} were sent to XXXX, their mobile number seems to be XXXX. 

On XXXX XXXX, another {$600.00} was sent to XXXX, I'm not sure if both these emails were linked to the same group of scammers but it was done through similar tactics. In total, I was scammed {$2700.00}. 

I filed to try and get my money back to Bank of AmericaXXXX XXXX XXXX XXXX department but they were unable to retrieve the funds and closed the case.

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