vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA

Complaint narrative:
I have a private loan from the XXXX XXXX XXXX XXXX XXXX XXXX  being serviced by Heartland ECSI. I submitted a deferment request XX/XX/XXXX in which the loan would deferred with payment due XX/XX/XXXX. This loan was accumulating late fees on my monthly generated bills. I contacted ECSI 10+ times to address this. I asked why a loan in deferment was accumulating fees. They could not answer me. I asked several times for the Finance Department number and was rejected. I asked for the Finance Department to call me to resolve unwarranted late fees. Multiple times a was assured a ticket had been created. I never received a call. This has been going on for 6 months with multiple hour long plus phone calls with no resolution. The employees in fact agreed, with the signed deferment paperwork, that I should not be accumulating late fees when no payments were due. The responses from the clearly incompetent phone answerers ranged from I it was resolved, dont worry to why dont you have money to pay it to someone will call you within 48 hours. This is absurd that they can charge fees out of contract negotiation. I was told today that they cant take the late fee off of my account due to policy, although they cant explain why I have late fees on an account with a bill that isnt due until XX/XX/XXXX. I was told a ticket was being created and XXXX ( the employee ) refused to provide me a ticket number. I was also refused to be allowed to speak to a supervisor or a representative of the finance department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: OH

Complaint narrative:
Transunion is reporting my XXXX XXXX XXXX XXXX account inaccurate. Attached you will find documents that show XXXX with no dates late, XXXX with no late payments and Transunion with XXXX late payments. This information should be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: KS

Complaint narrative:
I received no notice in the mail of or otherwise, regarding this debt that they claim I cosigned on until they started calling me and I didnt know what they were talking about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
USAA has returned transactions unpaid when the balance of the account met the need to pay the items presented. They returned XXXX XXXX XXXX payment and a {$200.00} check when I have documented proof my account had the funds to pay the items. The representative at USAA also noted they too saw the funds were available and could not understand why the payments were returned. I attempted to resolve several times with no real answer other than the inaccurate depository agreement they submitted as proof which doesn't show deposits I made to cover said drafts. They appear to be running two different balance sheets, one for the customer and one internal which is not made available to the customer until they force an NSF. Unfortunately, this inaccurate proof still doesn't match a customer 's available balance on their mobile app or online account information. They appear to be reordering transactions to force a returned transaction. I'm not sure why they would do this because they have suspended charging the fees but are still causing harm to their member 's credit reports and time loss and reputations harmed. Based on my research this banking practice is commonplace however I have never seen a bank return an item when monies are available in the account. This is insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: NY

Complaint narrative:
Hello I have sent out letters trying to dispute a number of inquiries on my credit report that I did not give my consent to and they are unauthorized, completely fraudulent. I have attempted to contact each creditor to get answers and they tell me they will investigate and take care of it. No one ever gives me a direct answer any more just to contact the credit bureaus. I called the credit bureaus a number of times to inform them of my issue and concern and they told me to contact the creditor and i did. I have sent a number of letters to the credit bureau as well and still no response. This is my last hope of getting this situation rectified. I even sent in ftc reports on a 2 different occasions. I sent letters out on XX/XX/ and XX/XX/. I am tired of being a victim of this flawed system This is completely unjust and no one is doing anything about it. I need you guys assistance on the matter please please please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I purchased a vehicle from XXXX XXXX they financed it through credit acceptance. They switched the income I provided them with in order to push through financing now I'm stuck making weekly payments I can not afford and it has ruined my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: MD

Complaint narrative:
I had a car accident in XXXX of XXXX that led my car being totaled. XXXX XXXX knows of everything. They have my account as open when its supposed to be closed and sent out to collections. This is causing my account to constantly be dinged as 120 days past due. I have provided gap coverage from the contract I signed when getting the car. They didnt satisfy the loan so they have sent me through so much troubles to get this off my report. They have garnished my checks which is really a pain because I dont have it. They are fraudulent crooks. They have no reason having my account as an open installment still.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: MD

Complaint narrative:
I had a car accident in XXXX of XXXX that led my car being totaled. XXXX XXXX  knows of everything. They have my account as open when its supposed to be closed and sent out to collections. This is causing my account to constantly be dinged as 120 days past due. I have provided gap coverage from the contract I signed when getting the car. They didnt satisfy the loan so they have sent me through so much troubles to get this off my report. They have garnished my checks which is really a pain because I dont have it. They are fraudulent crooks. They have no reason having my account as an open installment still.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: MD

Complaint narrative:
I had a car accident in XXXX of XXXX that led my car being totaled. XXXX XXXX knows of everything. They have my account as open when its supposed to be closed and sent out to collections. This is causing my account to constantly be dinged as 120 days past due. I have provided gap coverage from the contract I signed when getting the car. They didnt satisfy the loan so they have sent me through so much troubles to get this off my report. They have garnished my checks which is really a pain because I dont have it. They are fraudulent crooks. They have no reason having my account as an open installment still.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXccount Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX5 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of the West charged me over draft fees for point of contact purchases and or atm withdraw from my account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: FL

Complaint narrative:
IN RESPONSE TO CFPB : XXXX Reference Numbers : XXXX ; XXXX To whom it may concern : As per my XXXX, XXXX, and XXXX credit report, RESURGENT AKA LVNV FUNDING obtained my credit file on XX/XX/XXXX. 
I don't recall applying for credit or employment with RESURGENT AKA LVNV FUNDING. 
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the 1998 FTC opinion letter Greenblatt at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. 
Please respond via fax to XXXX. 
Sincerely, XXXX, XXXXXXXX XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Let me be clear : If Portfolio Recovery Associates , LLC does not comply with what i am demanding, i will receive legal counsel and Portfolio Recovery Associates , LLC will be held accountable to 15 U.S. Code 1692k. This is the final warning. I have done nothing but be patient and i have given Portfolio Recovery Associates , LLC time to fix their multiple mistakes. First Portfolio Recovery Associates , LLC has now broken a cease and desist violation 15 U.S. Code 1692c ( C ) as they have now sent me a letter in the mail regarding another alleged account. When i asked for a cease and desist that was for the whole company Portfolio Recovery Associates , LLC operates. My federal rights has been violated. Second as described in complaint ( XXXX ) by PRA : Because we purchased the account and contract XXXX XXXX XXXX had with XXXX XXXXXXXX to pay the balance due, no other contract between XXXX XXXX XXXX and PRA is required to validate the account ''. This information is nothing but hearsay as PRA has failed to provide ANY contract with my signature on this alleged account. PRA continues to make false or misleading representations about me as they have provided no legitimacy to their alleged claims. I demand to see this contract with my signature on this alleged account. If PRA cant provide this information I demand PRA to close this alleged account, cease collection activity, and not to report to ANY credit bureaus. Cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
Collection on my credit report states that I owe Eastern Account System {$1300.00} for XXXX XXXX and XXXX XXXX. I disputed the debt and they responded saying it meets FCRA requirements. I contacted XXXX directly to find out what this debt is and they cant find any debt and cant even verify when I last had service with them. 

I again contacted Eastern Account System and informed them that XXXX seems to have no record of me owing them money and asked them what their records show. They said the debt is from XX/XX/2019. According to the laws in NY if XXXX is saying I dont have a debt and the statute of limitations is 3 years in NY Im not understanding how they are claiming this is a valid debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BoA notified me of a new device logging in to my accounts, I called within minutes and spent 358 minutes on the phone with them immediately. My accounts were taken over/ hacked & drained by someone I had never heard of. This person also took a cash advance on my credit card then used XXXX to transfer the funds to himself. 
This all started on XXXX. 
In XXXX, BoA FINALLY returned the money that was stolen from my checking & savings accounts, but continue to deny my claim of fraud on the credit card! 
I dont understand how the cc fraud department & the wire transfer dept can not connect the dots! On my bank statement the 2 actions are right together!! Anyway, again claim has been denied. Calls not returned, cant seem to get a supervisor name or number from ANYONE. 
3 times Ive asked them to close my savings account & they tell me that I dont want to do that, now Im being charged for maintenance fees on a XXXX balance account! Please help 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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax refuse to correct my personal information such as my name. My name is misspelled. It's a SIMPLE FIX! I've sent in dispute letters with a copy of my driver 's license and social security card and my name is STILL misspelled. At this point they are knowingly supplying incorrect information and is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

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