vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Cfpb complaint was filed on XX/XX/2022 in reference to an adverse decision. 

The cfpb closed this complaint after FIFTH THIRD BANK responded with an correspondence dated for XX/XX/2022 that stated they are " conducting research ''. 

FIFTH THIRD BANK also forwarded a 2nd letter to my home address dated for the exact same date of XX/XX/2022 which disclosed the same correspondence that was submitted to the CFPB with the last paragraph worded completely different. 

The initial issue of the original complaint has not been addressed or solved. FIFTH THIRD BANK has submitted two totally different responses in regards to my original complaint. One response was submitted to the CFPB and another response was forwarded to my home address that states a different outcome of my original complaint. 

The original complaint has not been addressed and FIFTH THIRD BANK has created two response letters that disclose two different actions/outcomes. 

Please help resolve the initial issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX have 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 an 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 2022-08-31 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:
I am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer t

o 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution. 
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 famish an account without my written instructions. 
1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's forgery and misleading when the courts do not report this type of account. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
I am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer t

o 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.

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 famish an account without my written instructions. 
1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's forgery and misleading when the courts do not report this type of account. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information 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 explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have 4 private student loans with Navient. They are so extremely difficult to deal with. I have lost income with the economy being so bad. I am trying to save every penny to pay my mortgage, and I don't have enough money to pay my private student loans also. I called them, they do not have an forbearance options for me. Since rates have increased the last time I spoke with a different woman and they said that they could sign me up for the interest rate reduction program HOWEVER, since rates have increased it would have only increased my payment from the Interest rate reduction program payment that I was already on of $ XXXX.a month. Now the program expired and I am not on a program at all and my payment is over {$800.00} a month. They just took the {$800.00} out of my account when I NEVER authorized them to do that and my bank bounced the check because there was no money in the account. I had only ever authorized the {$320.00} payments until the end of the program and it ended last month. 

I got one of these loans almost 20 years ago. The interest rate is over 13 %!! I DID NOT even take this loan out. The school I was attending XXXX XXXX University ( XXXX XXXX ) had me sign a paper they said that they were going to get me grants. They NEVER said anything about this student loan. I would have NEVER obtained a 13 % interest rate! it was not until I quit that school and then I found out I owed money. I have been paying this student loan since XXXX. I still owe more now than the loan was ever originally taken out for. 

If you look at my loan paperwork my rates are at 13.875 %, 11.25 %, 11.25 %, and 9.25 %. AND it shows that my rates are VARIABLE. If this is not an example of predentary lending I DO NOT KNOW WHAT IS. I owe them {$92000.00} And I have already been paying them since XXXX!!!! I attached the complete loan history of just 1 of my loans with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: IL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX XXXX  XXXX have 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 an 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 2022-08-31 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX have 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 an 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 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I live in California and opened a Truist acct online. Not only was I able to open it but I was able to fund the acct. Initially I was told an ATM card was ordered and that is how I would be withdrawing from the acct and depositing into it. So I waited ... and waited ... and waited. I called about 3 times to follow up on the ATM card that never came. Finally, I was told that the account was never opened because I live outside their footprint area so the ATM card was never ordered. When I asked for my money back I was told I had to go into a bank branch. The nearest bank branch is THREE STATES AWAY in TEXAS!!!! Going into a bank branch is NOT an option yet they will not close my account nor will they give me my money back. Since opening the account, Truist has been taking {$12.00} per month as a " maintenance '' fee. However, I am not clear why they are charging me {$12.00} per month on a closed account that was never opened. All I want is to close the account and to get my money back. ALL of it. It is only {$80.00} that I initially transferred in to fund the account so it isn't even a huge amount for a bank. For a single mom with XXXX kids who is currently unemployed, it is HUGE! And they are not offering any other solution other than for me to go into a bank branch in Texas to close the account. If they took my money via transfer, they should return it via transfer. There are a myriad of ways to send money yet they are unwilling to do anything.

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 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Sent letter for a verification of debt owed XXXX nothing received to verify Sent 2nd request XXXX no verification sent back Sent 3rd request XX/XX/25 - no verification sent back No verification that this debt is owed. Sent letter to all 3 credit bureaus and to original creditor XXXX XXXX. which also did not give any validation of the debt owed or they had the right to collect.

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 2022-08-31 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: KY

Complaint narrative:
Sent letter for a verification of debt owed XXXX nothing received to verify Sent 2nd request XXXX no verification sent back Sent 3rd request XX/XX/25 - no verification sent back No verification that this debt is owed. Sent letter to all 3 credit bureaus and to original creditor XXXX XXXX. which also did not give any validation of the debt owed or they had the right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: SC

Complaint narrative:
I tried to call the company about the utility bill in question and it is a company in New York from XXXX  which I have been XXXX XXXX military since since XX/XX/2018 and was in college in Tennessee before that so it would have been impossible for me to live in New York at the same time. I have never received a bill or anything from this company the emails and phone number listed on the account were not any that belonged to me when speaking to the representative from the originating company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: FL

Complaint narrative:
I am a natural person, I am living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permissions to furnish these accounts. 


Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My sister passed away. I was appointed Personal Representative by the XXXX XXXX XXXX XXXX in XXXX XXXX, Indiana. Those documents were obtained through and by my estate attorney and were sent electronically from the court to him for my use in executing her estate. Along with these documents and an original certified Death Certificate Wells Fargo is refusing to open an estate account for me. I was told I need to physically go to the court in XXXX XXXX Indiana and obtain a certified original copy. First, I live in XXXX, Washington so that is not an option and more importantly, the courts in Indiana only send out documents of this nature electronically and there is no avenue to obtain certified original documents. This information has been verified by my attorney. I also requested to escalate this situation to the Branch Manager and was not given their name or contact information despite my repeated request. I have been a customer of Wells Fargo for 29 years and I have no one to escalate this issue with.

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 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I have sent a request to XXXX XXXX asking that the account be closed immediately. I also request that XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 
I've attached a copy of the Internet Crime Report form that I completed on this matter. 
When I called the phone number ( XXXX ) that is printed all over the XXXX XXXX XXXX bill that came in the mail it went into a voicemail box that was not professional, just a message to leave a number and when I called now it's a 'the number can not be completed as dialed. 
Thank you, 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 2022-08-31 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: CA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I have sent a request to XXXX XXXX asking that the account be closed immediately. I also request that XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 
I've attached a copy of the Internet Crime Report form that I completed on this matter. 
When I called the phone number ( XXXX ) that is printed all over the XXXX XXXX XXXX  bill that came in the mail it went into a voicemail box that was not professional, just a message to leave a number and when I called now it's a 'the number can not be completed as dialed. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX and XX/XX/2022, a total of {$3000.00} was fraudulently transferred out of my Chase account through XXXX. When I realized the fund was transferred out of my account, I went to the Chase bank campus at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, in order to resolve the issue. The Chase bank representative decided to give me a temporary credit while awaiting for what they told me was an investigation. A few days following that investigation, Chase bank pulled the money back from my bank account and only left {$29.00} there. I went back to Chase bank to find out why the fund was retaken back from my account, it was when a representative from Chase bank informed me that it was someone from my bank account who took the money. It was a total lie, no one from my bank actually took the money, and Chase bank couldn't give me any proof that it was actually someone from my bank account who took the money. There is a new trend out there, where hackers remotely access your personal devices and access your bank accounts and other personal information. That type action in accomplished through phishing, spyware, viruses infiltrated through risky apps or website. I asked Chase bank to provide me with the proof that someone from my bank account actually transferred the money through, but the bank refused to do it. Chase doesn't have any concrete evidence that it was someone from my bank account who actually transferred the money out. I truly believe Chase bank is just making those allegations, simply because they believe we would commit such an act because of our race. I would like Chase bank to give me back my {$3000.00} as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Resurgent Capital Services Claim that I owe Some account ending in XXXX. 
XXXXXXXX XXXX All my accounts were paid. 
XXXX XXXX XXXXXXXX I keep getting harassing calls asking for personal information over the phone. I will not give it. They will not tell me who they are or what the debt is. 
I need help for them stop. 
Sincerely XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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 — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: TN

Complaint narrative:
I was closing my account at a XXXX balance. They debited a purchase which was corrected as a mistake. They refuse to correct this as only one item was purchased in XXXX of 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