vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
The law hip law applied to this account medical bills are not to be placed on your public record for everyone to see. Also, my insurance company sent them a them check for this bill as well as the va paying them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: TX

Complaint narrative:
I currently bank with Bank of America. On XX/XX/XXXX my phone and wallet were stolen. On the morning of XX/XX/XXXX I called to inform the bank to freeze all accounts due to this. 
On XX/XX/XXXX, I received notification that roughly {$24000.00} worth of fraud had occurred on my account. Since then, I have filed 7 different claims, all which 1 has been resolved. 

Claim # XXXX was denied in the amount of {$7000.00}. This money was sent via XXXX to an unauthorized account that I have no prior relationship with. I have requested multiple times for the documentation used to come to this conclusion, and have yet to receive a response. I also have been given 4 different fax numbers and now 3 emails to send the police report, phone logs, and countless information/documentation too, all of which I have been told has not been received. I would like to add that I used a Bank of America Banking center to do all my faxes.

I was able to open this claim back up, and now am at the mercy of Bank of America because I keep getting told different things.

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 2023-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: VA

Complaint narrative:
On XX/XX/2022 I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( parent company XXXX XXXX XXXX. ) to seek diagnosis and treatment for XXXX XXXX symptoms. I filled out two intake forms, one electronic and one paper where I highlighted that Im experiencing XXXX symptoms. 

I am then told by the receptionist to step outside and schedule a XXXX  call with the doctor for health precautions. During this 30 second call, the doctor informs me that the center does not test or treat for XXXX so they wont be able to help me. I left the center with the expectation that since no service was provided, I will not be billed. Surely, the receptionist should have simply informed me that the center does not treat XXXX upon reading my intake form hence not required that I take the XXXX call. To my surprise, I received a letter in the mail a few weeks later from them stating I owe them {$110.00} for the 30 second XXXX call. 

I called them to inform them that this was an erroneous bill since no service was rendered however the hospital dismissed my claim and insisted I pay through their repeated billing mails. 

After months of repeated billing mail, they decided to escalate collection of this predatory bill to debt collection agency, Kinum. To my suprise, Kinum is now adding interest on the bill amount to further intimidate me into paying this predatory bill. I am writing to the CFPB requesting cancellation of this bill because of predatory billing practices from XXXX XXXX XXXX. as well as predatory debt collection practices from Kinum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a complaint on XX/XX/2023, complaint # : XXXX to Equifax regarding incorrect information that is reported on my credit report, and multiple bankruptcies. 

Equifax submitted a response on XX/XX/2023 : ... '' A DISMISSED/DISCHARGED XXXX XXXXXXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 7 YEARS FROM THE DATE FILED. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. '' I've reached out to XXXX ( Equifax vendor ), regarding the response Equifax provided. XXXX sent me a letter dated XX/XX/2023, regarding the multiple bankruptcies. stating : " In an effort to resolve XXXX XXXX concerns, XXXX did not locate the records listed below in XXXX XXXX file with XXXX. Bankruptcy Record : Bankruptcy Filing No. XXXX Bankruptcy XXXX XXXX. XXXX Bankruptcy Filing No. XXXX '' I've also attached multiple documents that I received from the Bankruptcy courthouse saying they have never sent any information to Equifax. 

I would like for Equifax to answer me who they are verifying this information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
These people who are answering my complaint at wells fargo are liars. There is evidence XXXX XXXX lied about me that I harassed her while I was at the bank opening up my new account that they wrongfully closed. I don't care that they have a right to close it. They were doing that with my first account which I had open at the wells fargo branch on XXXX in XXXX XXXXXXXX XXXX. I am tired of being treated like this. I did nothing wrong I have never harassed XXXX XXXX. This is just another tactic for XXXX XXXX to enrage me about. Like everything else they have enrage me. Anyone has flat out refused to listen to my side of the story. It was personal why my checking account was closed. I don't care what anyone says. Wells fargo even admitted to it was because of XXXX XXXX said I harassed her. I have never harassed XXXX XXXX. She slandered me which caused me to lose my checking account

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have never done business with XXXX Bank and there is an account from XXXX Bank on my credit reports in collections.

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 2023-04-27 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2023, I applied for the American Express XXXX card and I was approved. There was a pre-approval process in which a soft inquiry was conducted an a hard inquiry would only occur if I accepted the offer, which I did. I then saw that I could apply for a second card with additional benefits ( The Blue Cash Preferred ) and when I went to apply, I didn't see any notice or statement that said there would be a second hard inquiry so I was under the impression that since it was the same day and same bank, there wouldn't be another inquiry. However, I accepted the second card, and another inquiry was added to my XXXX and XXXX credit reports. I called customer service and spoke with XXXX who said he would transfer me to the credit bureau team who would explain how to go about removing the second inquiry. From that point on, I was transferred five times and each person I talked to said they weren't the right team. Finally, I spoke with XXXX XXXX in XXXX XXXX, Texas who placed me on hold a few times to speak with the team that would handle the matter. She told me they couldn't do anything because each application comes with a hard inquiry but I explained that I did not see a notice and disclosure that stated any application or subsequent application after the original credit application would result in a hard inquiry. XXXX XXXX told me she was creating an internal case but we got disconnected. Before we got disconnected, I explained to her that under the FCRA, permissible purpose requires expressed consent on my behalf for any credit reporting agency to furnish my report to any person. I don't know the status of the internal case at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have an existing complaint regarding the closure of my account but now we have a new issue Wells Fargo issued a cashiers check in the amount of {$47000.00}. To me, and they refused to honor the cashiers check.. I have tried to get money off of the cashiers check I have XXXX XXXX and I also am undergoing XXXX testing. I need this money for my medical treatment and for my traveling expenses, staying in hotels, while I am being tested and getting treatments. This is my whole life savings I was contacted regarding my case I filed two days ago. They said it would be handled expeditiously now theyre telling me its gon na take another month. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
I am currently a victim of a tornado. A tree fell on my house. My insurance company issued a check to me and my mortgage company. My mortgage company has only given me {$25000.00} first installment to complete the roofing part. For the past eight months they have asked me to submit several types of paperwork to get the second round of checks for {$26000.00}. To fix to fix bathroom. I have given them itemized bills from my contractor. My contractor and I have been keeping in touch with Mid mortgage about starting the second phase of my house. Its now going on five months and they are still refusing to issue me the second part of the check. As a result black mold has grown. Other problems are existing because they are not keeping up with the end of the contract now they are talking about for closure and keeping my money. The insurance money thats left over. The initial check was for XXXX. Plus extra if I ran into it. I did run into extra but my insurance company said that I took too long and that money expired. So now Im only working with XXXX instead of XXXX. I was just Thought they were not going to fix the new problems because they arent on the original list. What can I do and who can I talk to so I dont lose my house and I can get my home repaired

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 2023-04-27 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: WA

Complaint narrative:
This company is reporting the account as charged off every month. I haven't made any payments on this account. It is illegal for them to do this since the account has been closed for almost 5 years. They marked charge off for 63 months.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, 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. 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 2023-04-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to dispute the following information that appears in my Experian consumer report because the negative items that are listed have been updated due to the CFPB Breach. This is in violation of code 1681 i. 

Dispute XXXX : XXXX XXXX Account Number XXXX : XXXX XXXX XXXX Type of disputed information : XXXX XXXX  Dates associated with the late payment items being disputed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Explanation of item being disputed : The status of my account is not correct. The report shows that I am delinquent, but I have made all my payments on time. 

Please update my consumer credit report to reflect the changes, and mail me an updated copy reflecting the deleted late payments and updated credit score.

Thank you for your assistance. 

Sincerely, 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 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Imperial Recovery Consultants, LLC
State: DE

Complaint narrative:
First and foremost, I checked no to fixing this debt because I do not know what debt this apparently is. 

Secondly- a lady called my father today XX/XX/2023 telling him because he is my father he has to give her my information and because he's not shes going to send the detectives and have me arrested. 

Thirdly- someone called my husband from an XXXX number and it was a recording saying that I missed a delivery and they need my contact information for delivery. 

My father/mother 's information is XXXX, XXXX and XXXX My husbands number is XXXX I have never received any calls no nothing. No calls, emails, no letters and or bills in the mail. 

The company was XXXX and the number was XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). I further attest that I am authorized to pursue this disagreement under both federal and state law. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. These false remarks are also illegal according to 18 USC 1621. There are items in my credit report that have nothing to do with transactions I've ever completed. I claim that someone or some organization utilized my personal identifying information without my consent to apply for goods, services, or money. Please have a senior official from your company certify under penalty of perjury that I received goods or services if you believe I obtained them. Please have a senior official from your company certify under penalty of perjury that I received goods or services if you believe I obtained them. These businesses are breaking the law by doing these aggressive inquiries and adding these unauthorized accounts to my credit report. This has brought about a great deal of unneeded stress and anguish. I did not authorize these accounts or hard inquiries, and they are not mine. Please look into it and promptly remove it 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 2023-04-27 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: TN

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, Account number XXXX, has violated my rights. 

XXXX XXXX XXXX, Account number # # # # # # XXXX, has violated my rights. 

XXXX XXXX, Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 604A states that I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 or any other adverse item of information, other than records of conviction 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 have 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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX, I began receiving emails from XXXX, welcoming me to the service. I never signed up for their service, and someone else used my email address to do that. 

I have been emailing constantly and they assure me they are working on it but nothing has been done. 

I find this lack of response extremely unprofessional and dangerous when data security should be of utmost importance to a financial institution. 

I am not taking more time to build a profile with this company, that I did not choose to give my business to in the first place. They want you to give them more information like phone number to them, while I already do not trust this institution.

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 2023-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XXXX, I received a loan from XXXX XXXX XXXX for a XXXX XXXX XXXX. I paid off this loan in XXXX. In XXXX of XXXX, I received a lien release letter. My account number is/was XXXX. Name : XXXX XXXX To date, I have not received my car title. 

I have called XXXX finance now at least four times. Each time I call, Im told it will be resolved by a certain target date, but when I call back on that target date, it is not resolved. 

I believe I called on XX/XX/XXXX and XX/XX/XXXX. I am certain I also called on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX and XXXX ET. I dont have the names of all people I spoke with but I did speak with XXXX supervisor, XXXX XXXX XXXX 

I also called the XXXX Collector in Florida, who confirmed there is still a registered XXXX on my car, and that I can not get it released by just sending my XXXX release letter. The XXXX Collector told me Chase must send XXXX release information and has not sent them the information needed as of early XX/XX/XXXX. 

I purchased my car in Florida. I am XXXX XXXX military so I am now stationed in Virginia, but my home of record is still Florida. I am still a resident of Florida. I know Chase has my correct contact information because I received my XX/XX/XXXX XXXX release letter to my correct address in Virginia. 

Please provide FL with the information needed to release the XXXX on my vehicle and mail my title to : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I called for them to investigate because i never had XXXX

Company response to consumer: Closed with explanation