vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-01-20 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The account shows that i was late 40 times XXXX days and 2 times XXXX days. This information is incorrect. The account was charged off few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The account shows that i was late 40 times 90+ days and 2 times 60+ days. This information is incorrect. The account was charged off few years ago.

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 2022-01-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The account shows that i was late 40 times XXXX days and 2 times XXXX days. This information is incorrect. The account was charged off few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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:
Hello, I recently reached out in writing regarding my consumer credit report from XXXX XXXX XXXX about unauthorized inquiries. I have not given ANYONE permission or consent to do so, as I have not applied for credit for a while with these companies. I am giving you as much information as I can to help you with this re-investigation demand so please feel free to utilize this information. 
According to section 604 FCRA, I would greatly appreciate if you would provide me for what is called a permissible purpose or proof that I applied or initiated these inquiries from each company listed. This poses great concern about my security and the privacy of my credit being at risk. If no proof or evidence with supporting documents is found, please delete these item ( s ) immediately. 
If these inquiries are concluded to be originated online or by an internet source, please provide the IP address associated with the alleged inquiry. 
I have also contacted the creditor ( s ) in question, and they claim they have no proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide me a permissible purpose or proof. Because the creditors in question could not provide proof of authorization whether written or verbal, I am asking that each alleged inquiry be deleted from my credit report of XXXX. The alleged inquiries are unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a permissible purpose of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiate
d by the consumer. Please read on ; section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under 15 U.S.C. 1681i, paragraph ( 5 ) treatment of inaccurate or, unverifiable information ( A ) In general, If, after
any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate, incomplete, or can not be verified the consumer and the reported agency shall ( i ) promptly be deleted.

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 2022-01-20 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-01-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have recently found out I am the victim of Identity theft i have notified all credit bureaus and parties involved my personal information has been compromised and sense this has happen I received items on my compromise that have even been compromised or been placed on my account with my permission

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 2022-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
XXXX, XXXX. I call to see what program that was available to help me do to out of work. Do to covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: NY

Complaint narrative:
After numerous copies and complaints, XXXX XXXX XXXX  concedes that modification payments were made to XXXX and XXXX but are not reflected in the foreclosure judgment balance. 
All the affirmations made upon the court are incorrect as to the balance of {$120000.00}. They also concede that a modification was approved but was not given to me. But after conceding to these facts they state there is nothing they can do since the home was sold at a foreclosure sale and they no longer have anything to do with the property. They state the loan holder ( Wilmington Savings Fund Society , FSB d/b/a Christiana Trust, not individually but as trustee for XXXX XXXX XXXXXXXX XXXX ) at the time of foreclosure. is still the loan holder and it is their responsibility to correct any issues. XXXX states they are only a servicer and the loan holder can only make the corrections. 
XXXX states XXXX  is responsible I would think the LOAN HOLDER is not the servicer. I am tired of going back and forth someone is responsible. I believe they have repeatedly discriminated against me ignored the facts,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OR

Complaint narrative:
XX/XX/2022 - XXXXXXXX XXXX PDT : I got 3 different emails from a Chime ( Also called XXXX XXXX ) claiming that my account was closed due to me being reported as deceased. This is probably in reference to Social Security accidentally claiming me as deceased back in XXXX. The issue was fixed and nothing has come up since then. So I was confused by the fact I was XXXX as deceased. Today, on XX/XX/2022, I contacted Social Security about the issue. They informed me that I am indeed not marked as deceased and I am continuing payment from XXXX. 

XX/XX/2022 - XXXX XXXX  : I contacted Chime bank about this issue. I explained that Im not deceased and have a letter stating so. I told social security what form/letter they needed to reinstate me and they said they have no clue what that is. So Im fearing they are lying to me. They even refuse to pay out what little money I have left in my account. Its government money and social security informed me that they are not allowed to withhold my funding. 

Due to this, I had to change banks, but there is a lot of damage done. I wont get my money in time to pay bills, Im having constant anxiety attacks and XXXX, I have a XXXX XXXX next week so Im scared. Im at risk of becoming XXXX due to this. Im looking to seek legal action for the XXXX XXXX  and the withholding of money, as well as the fact they are putting me and my family at risk of XXXX. They never even attempted to contact me before this. 

I just want XXXX and this to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Lending Club Corp
State: TX

Complaint narrative:
I have been trying to payoff a loan since XX/XX/XXXX. I sent a personal check and they did not receive it per them. XXXX XXXX bank issued a stop payment and sent out 2 more checks. One to payoff one of my accounts XXXX for {$11000.00} and a principal reductions on another account XXXX for {$2500.00}. These checks cleared by account on XXXX and Lending Clubs on XX/XX/XXXX but Lending Club has not posted them to my account and they say they do not have them, but it takes 7-10 to post or 10-14 days depending on who and what day you call the story changes. It was on auto draft but they took the one off auto draft that I was paying off, but I am afraid they are going to report me to the credit bureaus. They say they won't be they can not be trusted. I have called everyday for 2 weeks now and I get the run around and now they want me to do there job and track down the checks. I have attached to this compliant, but I am not getting anywhere. I see that the FTC filed a compliant against Lending Club through the XXXX. That should say something about their creditability. I want the checks posted to my account and a signed letter from Lending Club stating that I will not be turned over to the credit bureaus for any late payments..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: IL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, a transaction in the amount of {$130.00} posted to my account. At the time of posting, I had sufficient funds in my account to cover the transaction and once paid, I was left with a balance of {$7.00}. On XX/XX/XXXX, I noticed that I had 3 transactions ( {$16.00}, {$9.00}, {$27.00} ) in processing status and needed to add additional funds to my account to cover. I contacted BOA via chat and the representative confirmed that as long as I make a cash deposit today, the checks would clear. So I made a instant deposit via XXXX for {$58.00} to cover the charges, which left a balance of {$10.00}. Later that evening on XX/XX/XXXX, I checked my account and saw that I had a pending overdraft fee. I assumed it would automatically be reversed once everything posted, but it was not. On XX/XX/XXXX, I checked my account and saw that my account incurred an overdraft fee for {$35.00} with a posting date of XX/XX/XXXX. Once the overdraft fee was applied, it left me in the hole at- {$24.00}. 

What's concerning to me is that the overdraft fee was for the XX/XX/XXXX transaction of {$130.00}. However, as shared earlier there were sufficient funds as of the date of this transaction to cover the full amount. So, I contacted BOA via chat to request that this fee be removed. However, the representative refused to remove the fee. The rep shared that the 3 transactions that posted on XX/XX/XXXX, starting processing on XX/XX/XXXX, decreasing the available balance. However, those transactions were showing as processing in my account on XX/XX/XXXX, not XX/XX/XXXX. The rep directed me to a link only accessible from the overdraft transaction, called " What triggered this fee? '' The link directed me to another activity log that showed transactions for XX/XX/XXXX. The transaction that incurred the fee had cleared, while the other 3 were in processing status. However, the ending balance still reflected {$7.00}, since the 3 transactions had not posted. Based upon this review, the 3 transactions in process would have posted first, followed by the {$130.00} transaction, causing the overdraft fee. However, that wasn't how it worked. The {$130.00} actually posted on XX/XX/XXXX, followed by the 3 transactions posting on XX/XX/XXXX to my account. Either way, both logs reflect a remaining balance of {$7.00} after the {$130.00} transaction posted, so an overdraft fee should not have been charged. 

Attached are snapshots and printouts to support my complaint. The documents have been redacted to remove personal info and transactions unrelated to this complaint.

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 2022-01-20 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: Kriya Capital, LLC
State: PA

Complaint narrative:
Do not have a contract with this company. Requested information with my signature however this company has not provided proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: LA

Complaint narrative:
I uploaded documentation proving I was never late on my car payment and was granted an extension. XXXX and XXXX updated my account to paid on time but experian has refused to remove this inaccurate late payment and told me due to internal policy they will not remove or update the inaccurate late payment. 
Even after I supplied proof from my lender showing I was never late

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 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
Gift card was purchased by a relative in California. He sent the gift card to my daughter here in Texas. Tried using the card to find the card was already used in California at a couple retailers. The card packaging was sealed, card was not tampered with. Please tell me how a sealed secure gift card was used at a XXXX in California when the card is here in Texas in my possession? Called US Bank to get this resolved but now being told I need to fill out a bunch of paperwork and send them my ID and it will take 90 days. doing research online, this is a very common issue. and many consumers are being told they have no recourse. This really is too much trouble for a {$100.00} gift card for a XXXX XXXX XXXX BUT based on principle, something has got to be done. This sounds like a perfect inside job. Its apparent that this has been going on for quite some time however nothing has been done or changed within the organization. One needs to ask why? Maybe its because they have not been exposed? No internal investigations? Its the perfect scenario... sell a good, make it seem like there was fraud? Keep the money in house! 
Also, the fraud case I opened with US Bank will require my ID, Paperwork and will take 90 days! I am very concerned about ID theft and now they want me to release my ID for a giftcard for {$100.00}? sending them my name address emails phone numbers isnt good enough? 
Something has to be done!

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 2022-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Professional Finance Company in XXXX, CO XXXX is the company I am dealing with. In XXXX of 2021, I received a summons to answer and complaints of debts that I supposedly owe. I was very curious as to how they decided to take action on this so I called the courthouse of XXXX XXXX and the clerk told me there wasnt any kind of case or docket number at the time. I still showed up to the date presented on the complaint and filed an official answer and request of debt validation. A few days passed after and I received a stack of paperwork containing personal medical records and information that I did NOT consent or sign anything giving them access to these private records. I am aware of my rights knowing that this company can not have access to this much information, only the bare minimum to collect on this amount. Theres information about my procedures and surgeries that I got on the date of my hospital visit. I believe this violates HIPAA laws and would like an explanation on this. I will attach some pictures as well as additional information that I, again, had no idea that they had access to. I will formally request that they immediately stop attempting to collect and cease all communications with me as well as report to the credit bureaus that I no longer owe. I will also file a complaint on the HIPAA website. Thank you. All the documents attached are the copies of medical records that they sent me in response to me asking about debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have called over three month to close my account with HSBC. They confirm the account is closed, but later I again discover is was not closed. It is a dispute for {$4.00} pending, but this should not stop the account closure. 

HSBC XXXX XXXX Mastercard Change account Card number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Thursday, XX/XX/XXXX Re : Planet Home Lending , LLC Falsely reporting to Credit Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear Sirs : Planet Home Lending , LLC has again falsely reported to the credit agencies that we have not made our mortgage payments. 
You will find three ( 3 ) attachments containing the following information to substantiate another complaint against Planet Home Lending , LLC : 1. A copy of my XXXX report showing Planet Home Lending , LLC lying once again 2. A copy of Planet Home Lending, LLCs response to CFPB # XXXX ; the table in the response shows that our payment was made and credited to our loan 3. A copy of our bank statement showing the payment to Planet Home Lending , LLC Planet Home Lending , LLC lies and cheats. 
They misappropriate our loan payments and state that we have NOT made a payment. They change the mortgage payment amount indiscriminately, without notice and without reason. 
Currently, as reported to the credit agencies effective XX/XX/XXXX, they are stating that our loan amount is greater than the original loan agreement amount ; ridiculous after paying on the loan since XXXX! 
When will CFPB finally punish Planet Home Lending , LLC? You are the mortgage companies governing body and have responsibilities to the public. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation