vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I as the original creditor, the banks did not give me any notice that i can rescind or let me know we have the option to not let them report this on my credit report neither. 15 usc 6802 ( a ) opt out general a b & c. By law, insurance supposed to be included in all mortgages and car loans, 15 usc 1605 ( a ) # 5. Its against the law for banks to lend its credits anyway. Farmers & miners bank v. Bluefield Nat 'l bank 11 f 2d 83, 271 us 669. Their are many more violations. The banks have been getting away with it far too long now & they think we the consumers wont catch up with their financial fraud schemes. It's called promissory fraud. There is no money : read hJr 192. Every bill you get comes in a positive. They owe you when its in a negative. Everything is already paid for before you even signed anything. What they doing is illegal under art 1, sec 10, par 1 of the constitution. Their fraud makes the signature agreement null & void period. Fraud trumps any contract. And where is the banks signature? 

i never got the two copies of the rights i have so this is fraud. i am contacting the bank and gathering evidence for possible litigation. 

12 CFR 226.15 - Right of rescission. i after sending you notice of Rescission will discontinue to make payments of the car. if this car is not removed from my credit report i will seek remedy for damages. i never gave Permissible purposes 15 U.S. Code 1681b - Permissible purposes of consumer reports to disclose any of this information on my credit report. there are many violations. 

i will be sending formal letters certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
Mortgage and security fraud. Since 2008 I have been in a legal fight with XXXX XXXX XXXXXXXX XXXX XXXX Select Portfolio services and XXXX XXXX XXXX. This 3 entity 's and other known and unknown have tripled the note of my paid off property and negotiated then with XXXX XXXX XXXX XXXX... number trust. It has been impossible to get authorities to review the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
In accordance with fair credit reporting act LVNV FUNDING LLC XXXX # XXXX has voilated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
I understand that CFPB is cracking down on abusive, unnecessary and otherwise inflated medical billing practices, so I wanted to submit my complaint about Med-1 Solutions. I received noticed that I owed a combined total of {$3300.00} in medical bills that had surprise charges, and for services that were not only poorly rendered, but services that were tacked on that were not given. The company representative at Med-1 Solutions bullied me with threats of legal action they can not take, including seizing property without court action, and had me so scared if I didn't take their unreasonable settlement - a settlement that was inflated with fees that have no bearing on whatever services I received. The foul language used by the representative was uncalled for. Moreover, I am now on my FOURTH round of XXXX, and I can not fathom why I am being threatened by this company and their attorney representative for bills that the hospital never gave me a chance to " prompt pay ''. It is practices like these that have me, and others, losing faith in the medical billing realm, and practices like these that hopefully the CFPB will start cracking down on - especially in this questionable economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXXXXXX XXXX and all three credit bureaus : XXXX, XXXX and Transunion are reporting multiple late payments on my credit reports during the months XXXX and XXXX of 2017. All of my XXXX XXXX have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late during those months. Despite my contacting XXXX XXXXXXXX XXXX and all three credit bureaus on multiple occasions since XXXX of this year this erroneous reporting remains on my credit reports and is negatively affecting my payment history and credit worthiness.

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 2022-08-13 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: DC

Complaint narrative:
XXXX XXXXXXXX XXXX and all three credit bureaus : XXXX, Experian and XXXX are reporting multiple late payments on my credit reports during the months XXXX and XXXX of 2017. All of my XXXX XXXX have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late during those months. Despite my contacting XXXX  XXXX XXXX and all three credit bureaus on multiple occasions since XXXX of this year this erroneous reporting remains on my credit reports and is negatively affecting my payment history and credit worthiness.

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 2022-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
My XXXX XXXX XXXX daughter made 11 transactions of {$84.00}, 1 of {$99.00}, and 1 of {$44.00}. Total of {$1000.00}. The card that I had for XXXX  purchases was maxed out, so the back-up card was used, which is the one in question. She didnt know what she was doing, she thought she was using play money in the app. The very next day I was disputing charges and calling XXXX, because it was XXXX purchases made with an Apple Card. XXXX Specialists were able to dispute a few charges for me and other werent able to be disputed. The reason I was given was because that was they way the system was set-up. After days of calling customer service for XXXX and Goldman Sachs, I was able to dispute all charges. This week ( XX/XX/XXXX to XX/XX/XXXX ) Ive been getting emails that the charges are being reversed. Again Ive been on the phone for days with XXXX and Goldman Sachs customer service about these charges. The answer Im given is the team/department that makes these decisions do not interact with customers and that their system doesnt allow them to dispute those charges. My research tells me that the law says a child using your credit card for unauthorized purchases constitutes as unauthorized and should be refunded. At the end of the day, my daughter doesnt use that app, doesnt have access to the account, and has nothing to show for {$1000.00} in charges. Ive paid the balance of what I honestly owe. But can not close the account because they have reversed {$1000.00} charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: KY

Complaint narrative:
Cavalry SPV I , LLC garnished my wages from my check I work hard for! Ive never borrowed money from them and it claims I owe them {$18000.00} plus 12 % interest and {$15.00} court cost. Ive never been to court and Ive never borrowed money from them! Im a US citizen and I feel like Ive been scammed by them and the court system! I have constitutional rights and I feel they have been violated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have been a customer of Citibank for years. I have several credit cards and a checking account. Due to having a credit card first/prior I regularly receive promotions to open up bank accounts for cash bonuses with Citi ( I do not recall whether I utilized a provided link from my online banking with them, from an email from them or a website link/offer on their site ( we would have to ask them ). In early 2022, I took advantage of one of their offers and deposited {$15000.00} into a checking account. I opened up the account online. I did not receive any confirmation email or letter of my coming bonus, so several months after opening the account, I called Citi and confirmed verbally and on a recorded line ( Im sure ), that : 1 ) I had completed the required steps to receive the {$300.00} bonus 2 ) That my {$300.00} bonus would be deposited into my account at the end me of XX/XX/2022 ( My account is still open with exactly $ XXXX sitting in it ). 
I gave it some some time after not receiving anything in XXXX, and I believe I started reaching out toward the end of XXXX. I have now spent hours ( my estimate is about 7 hours ), either on hold or speaking with representatives and supervisors. I have made many calls at different times. I have often been disconnected after being placed on hold ( it seems like they hang up on you purposefully because they dont want to deal with you ). They have NO record of me ever getting a bonus and are asking my for proof, which they did not provide. I have had $ XXXX sitting in a non interest bearing checking account for 7 months ( which I took from an interest bearing savings elsewhere ), and so I am now out the {$300.00} that Citi is cheating me out of and I lost out in 7 months of interest in a high yield savings account with XXXX. I feel cheated and disrespected. I called a branch last week and left a detailed message with an employee and was told I would get a call back that day or the next by a banker that could help. I never heard back, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Since XX/XX/XXXX they been pulling from my account after I told them to stop auto payments. And I talk to at least 12 different people and they will say oh we stopped the payments or we escalated your case and we stopped the payments. They even sent me an email saying they stop all ach. Im working with debt relief program and they sent a power of attorney to take over the payments. And I will tell them that to constantly and they will say that they wont pull from my account. But the constantly charged me NsF and now they pulled XXXX from my account. That was my rent money. Im so upset right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXXXXXX and Equifax are showing multiple late payments on my student loans in XXXX and XXXX of 2017. All three of my student loans have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is holding my funds that were sent to me from a client to provide services for a job. The bank has not advised me as to my account being closed jr have they advised me why. My funds in my account have not been released to me.

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 2022-08-13 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: LA

Complaint narrative:
I went to a dealership and they said they wouldnt do any hard inquiries but they would be eligible to show me my credit without it affecting me in the long run. 

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 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 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My transunion score dropped XXXX points, I have done nothing but pay down my debt, make extra payments on my debt, I use a credit card and pay it off immediately, nothing has happened to lower my score from excellent to bad. Other than maybe credit bureaus getting kick back from banks to lower credit scores so they can charge higher interest..what is going on? How can you get away with this? 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 2022-08-13 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: MN

Complaint narrative:
When I went to the car dealership I was told that my credit would only be pulled by one company however multiple companies pulled my report without my authorization resulting in me having multiple inquiries without my consent. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
Account opened XX/XX/2020 for {$620.00}. 

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

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 2022-08-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
Account opened XX/XX/2020 for {$620.00}. 

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

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 2022-08-13 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: LA

Complaint narrative:
I went to a dealership and they said they wouldnt do any hard inquiries but they would be eligible to show me my credit without it affecting me in the long run. 

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 XXXXXX/XX/XXXXXXXX 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 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I went to a dealership and they said they wouldnt do any hard inquiries but they would be eligible to show me my credit without it affecting me in the long run. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OPORTUN FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2022 XXXX XXXX sent out 11 payoffs to credit cards. All were posted within a week or two. Oportun credit card is the only one that refuses to post my payment. I have called many times and am conveniently disconnected. I have reached out by chat and have also been disconnected and shut down. A technical problem seems to always occur. I have screen savers verifying that. They always ask for a payment which I'm sure I'll never see. I'm sure they want me to be late then get involved in that vicious circle with late payments and extra charges etc. My best advice to everyone and every state is to stay away from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
Account opened XX/XX/2020 for {$620.00}. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: PA

Complaint narrative:
US DEPARTMENT OF EDUCATION Did not had to report that the balance was paid. It lower my credit score because it reported information that is not important to be shown. Its not a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I set up recurring payments on this account in the amount {$360.00}, to be drafted on the XXXX of each month. 

Per the authorization I consented to the amount will be drafted either on the XXXX or XXXX day after. 

Recently, this Company drafted the payment amount two days prior to the authorization date. Causing my bank account to be negative. I was forced to pay a {$30.00} stop payment fee with my bank to stop the unauthorized ACH transaction. 

I called upstart and explained the situation. The Representative claimed they could not locate my account and refused to look up my account when I tried to provide the account number. 

This is the second time this CompaXXXX has acted and used unfair practices. 

The first time, they tried saying that they can report the account to the Credit Bureaus as 30 days past due, even though the account was in the grace period of the first 15 days and payment was scheduled to draft long before 30 days. The Representative was on a recorded line. 

At this point l, they have committed theft as they were not authorized to take payment from my account. They were only authorized to draft on the XXXX of the month and per their own agreement they would not draft any sooner than that date. 

When you try to contact them, they are rude and refuse to look up the account. 

The attached picture shows that the payment was set up for the XXXX. 

The second picture is an example of the verbiage used. As you can see, when you set up a payment they state that said payment will be drafted on the day or the day after. Please note, this is an example only. Yes, the date in this case shows XXXX but thats not the point, the point is to show the verbiage used in their authorization form.

Company response to consumer: Closed with explanation