vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 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: CIBC BANCORP USA INC.

Complaint narrative:
My credit reports were pulled without my consent in the name of pre approval check. As far as I know the below agencies/organisayion has pulled the report without making me aware of the same : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Due to multiple credit checks my credit score is down and i am facing issues with the loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
In XX/XX/XXXX, I received an unsolicited check in the mail from Security Finance in the amount of XXXX Dollars. I called the number on the check to confirm that the check was real and it was an offer for a loan. I accepted the loan and deposited the check in or around XX/XX/XXXX. To date, I have made all payments on time. I received a postcard from Security Finance stating I could receive extra funds if I " refinanced my loan ''. On XX/XX/XXXX I went to the XXXX store and asked to refinance my loan. At that time, I asked XXXX XXXX if they would be pulling my credit, as I was concerned about a hard inquiry. XXXX stated it would be a " soft pull '', and it would not affect my credit. Manager XXXX XXXX confirmed that it would not hurt my credit. I immediately received an alert that Security Finance had obtained a hard copy of my credit report. I asked why XXXX told me they would not do a hard pull, and she stated " sorry I didnt know :. XXXX further went on to state " you will get the points back when you make your first payment ''. On XX/XX/XXXX, I attempted to make a purchase with the XXXX app. I was denied the purchase, the reason stating " credit utilization rates ''. Upon checking my credit report, I noticed Security Finance had closed my previous account and opened a new tradeline on both my XXXX and XXXX reports. They listed my account as having a balance of XXXX, with a credit limit of XXXX, showing my account as over limit. I called the store and spoke to XXXX, who stated she didn't know why that would be. After calling the corporate number, I was told the District Manager would call me back, and no one has called. Further, the customer service agent was rude and stated " thats just how it works ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATEWIDE AUTO SALES
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
To Whom it may concern, 2nd Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. I do not know if that would be considered fraud or error. 
In accordance with Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MT

Complaint narrative:
I was the victim of a scam for purchasing a piece of heavy machinery. I wired {$27000.00} from my bank account at XXXX XXXX to an account at PNC Bank. I talked to an agent at PNC Bank and they said they couldnt do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I still not getting my question answer! 
I do not want to remove him if I dont have too! 
According to him he is done and signed all documents court order, warranty deed as you ask for! My question is this according to XXXX  and XXXX rules we can do a loan modification with out XXXX XXXX! The law changed for us because of lenders like you!! I am attaching proof of the law! I need answer why you are not abiding to this law??? I just want to do a modification on my house and move forward ti my credit is good and move my loan somewhere else! You have been so stressful and difficult in my life that I lost my hair and making my health even worst!!! See attached documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I'm asserting my right to rescind my contact due to fraud, violation of the following USC : 15 USC 1666d ( a ) ( b ) ( c ) 18 USC 8 15 USC 1605 15 USC 1605b 15 USC 1692 ( c ) ( a ) 15 USC 1692 ( b ) ( 2 ) 15 USC 169 ( b ) ( 5 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
To Whom it may concern, 2nd Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. I do not know if that would be considered fraud or error.

In accordance with Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Re : Re : XXXX # : XXXX XXXX XXXX ( XXXX ) Amount {$8500.00} Resurgent Capital Services, XXXX XXXX XXXX, L.P., and LVNV FUNDING LLC are seeking debt payment in the amount of {$8500.00} for a XXXX XXXX credit card that I secured through XXXX XXXX. I reply to them numerous times and told them that the account was paid in full since XX/XX/XXXX. From the day I secured the account, I set up auto-pay and pay the account until XXXX XXXX stopped taking payments in XXXX of XXXX. 

When I received the request for overdue payment from XXXX and then Resurgent, I told them the items purchased XXXX had 24 months interest-free and another one had 12 months interest-free. Further, I explained to them that according to the calculations of the total payment XXXX XXXX withdrew from my account. The credit card was paid in full in XX/XX/XXXX plus additional payments until XX/XX/XXXX. I asked them to provide me with a copy of the XXXX XXXXXXXX dated : XX/XX/XXXX to XX/XX/XXXX, which, it would show if they withheld the interest charge as stated on the purchase agreement. They have not been able to provide me with statements ( XX/XX/XXXX - XXXX XXXX ) and the credit collectors refused to remove the negative off my credit reports from all the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
ON XXXX CREDIT MANAGEMENT CALLED ME FROM XXXX TO MY PHONE NUMBER XXXX. IT TOOK SEVERAL SECONDS FOR THEIR AGENT TO COME ONLINE. I ASKED FOR THEIR NAME AND AFTER THEY GAVE ME THEIR NAME, THEY HUNG UP ON ME AFTER I ASKED THEM WHAT THEIR MAILING ADDRESS WAS. SO I CALLED THEM BACK AND SPOKE TO XXXX. I TOLD HER WHAT HAPPENED AND ASKED TO SPEAK TO THEIR COMPLIANCE DEPT. SHE TOLD ME THEY DON'T HAVE A COMPLIANCE DEPT. I REQUESTED TO BE PUT ON THEIR DNC LIST. THEN, THEY CALLED ME AGAIN TO MY PHONE NUMBER XXXX FROM THE SAME NUMBER OF XXXX AND THEY HUNG UP ON ME AFTER I SAID HELLO. WELL, I CALLED THEM BACK AND XXXX ANSWERED THE PHONE AGAIN. I TOLD HER I WAS CALLED AGAIN, SHE PUT ME ON HOLD AND CAME BACK ONLINE AND TOLD ME TO CALL XXXX. AFTER ASKING SEVERAL TIMES, SHE CONFIRMED TO ME THAT THIS WAS THEIR COMPLIANCE DEPARTMENT. I ASKED HER TO PUT MY NUMBER ON THEIR DNC LIST AND SHE SAID SHE WOULD. I HAD A FEELING SHE WAS NOT PAYING ATTENTION, SO I ASKED HER TO MAKE SURE SHE IS ALSO PUTTING THIS NUMBER ON THEIR TOO. THEN SHE NOTICED THAT SHE HAD TO PUT MY OTHER NUMBER ON THEIR DNC LIST AGAIN. I TOLD HER YOU GUYS CALLED ME AND HUNG UP ON ME WHEN YOU HEARD MY VOICE AGAIN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/2020. I received paperwork in my door from XXXX XXXX XXXX with the original creditor Wells Fargo. That I have been sued for a total of {$6400.00}. This debt does not reflect on my personal credit report would like to resolve this issue for the best interest for both parties. I contacted wells Fargo during my time of hardship they replied with these is no more extended relief for hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
XXXX hospital called me in XX/XX/XXXX reporting that I owed {$1400.00} from a XXXX XXXX replacing my XXXX XXXX in XX/XX/XXXX, which was identical to the XXXX I had on the XXXX XXXX in XX/XX/XXXX, all of which was paid by my XXXX and XXXX insurances. The hospital representative informed me that XXXX denied the remaining amount of {$1400.00}, but XXXX paid {$78000.00}, therefore I was responsible for the remainder. I called XXXX who informed me they denied it because the hospital coded the billing incorrectly and if the hospital would correct the code and resend it, they would pay it. I relayed that to the hospital representative but they have refused to change it or resubmit the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Constant harassment by calling multiple times a day at all times of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has been allowing collections agencies to report the same debt multiple times per month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To Whom it may concern, 2nd Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. I do not know if that would be considered fraud or error.

In accordance with Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rodenburg LLP
State: SD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is sending accounts there were included in bankruptcy to collection agencies to try to collect the debt that was XXXX  in bankruptcy. Rodenburg Law Firm is trying to collect on their behalf.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I was shocked by a friend of mine, at first of how she said she made all this money through a XXXX  investor she met on XXXX so I contacted the investor to see if she could help me in investing with XXXX. So when I got in contact with her she went through some steps with me and guided me into XXXX XXXX and I did {$1000.00} in XXXX wlch is now permanently gone, and later on had me to go to this website called cryptotrustminers.com to withdraw money that I put in but I couldn't, it was a scam the whole time she kept asking for more and more money just to get a withdraw out but nothing received, I was so hurt so I contacted my bank fraud department to see what they could help with but even they failed me, so now I'm out of {$3500.00} truly sad, I got scammed out of {$1000.00} on XXXX and {$2500.00} through XXXX transfer to the fake XXXX investor I don't know who I can run to for this type of situation

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