vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Southern Management Systems Inc.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 


Fraudulent Collection Accounts : Southern Management Syst. 
Account Number : XXXX Collection Opened : XX/XX/2021 Balance : {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
On XX/XX/2022 I decided to apply for a loan with Marcus by Goldman Sachs after receiving several prior mail advertisements. I spoke with a representative on XX/XX/2022 due to company needing more information in which I provided. I was then informed that I will receive a call within 1 to 2 days if more information is needed or to inform me of the decision made by company after review process. However, I never received a call, so I placed a call on XX/XX/2022 in which I was told the application was still under review and to allow more time. I then placed the follow up call on XX/XX/2022 in which I was told that my application had been denied and to wait on denial letter in the mail. I received denial letter in the mail on XX/XX/2022 that was dated XX/XX/2022. To my surprise, the reason for denial was annotated as " Unable to verify identification information '' which I feel to be unacceptable due to never receiving a call to ask for any additional information as discussed on XX/XX/2022 or to obtain any information regarding my identity. From my prior experience as a loan processor and banker dealing with the loan process, understanding my credit situation, and knowing that I am who I am, I can't understand why this would be the reason for a denial. I called Marcus by Goldman Sachs on XX/XX/2022 to inquire about such determination in which I was told by two representatives that they can't tell my why this was the reason selected, and I was advised to call Goldman Sachs directly. On XX/XX/2022, I called Goldman Sachs who listened but transferred me to a supervisor with Goldman Sachs who only could say that the reason for the denial could be due to information on my credit report being different from my application. I informed her that could not be the case as I check my credit report daily and everything is up to date, and then she apologize for not knowing the exact reason for the denial and went on to tell me to just apply again in 30 days. She also stated that no reconsideration could be done since the application had been closed already even though I informed her that I never received a call back as promise in the first place within the 1 or 2 days on XX/XX/2022. After attempting to resolve this with the company with no attempt of correcting the situation, I decided to file this compliant as I feel that this falls under unfair lending practices and could be a bias decision based off of XXXX discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: FL

Complaint narrative:
In accordance the the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states that 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 2022-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 


Fraudulent Collection Accounts : XXXX XXXX XXXX. 
Account Number : XXXX Collection Opened : XX/XX/2021 Balance : {$7300.00}

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 2022-06-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
When I mailed in dispute I highlighted two specific XXXX XXXX accounts that were not listed in my name along with date they were opened. Experian disputed and removed the one XXXX XXXX account that was NOT listed/highlighted and that reflect the date opened XX/XX/2021 and that was listed in my name having me listed as an authorized user. This account is and has been mine. Not only did it drop my score but now says I have no open credit and took my score of XXXX down to XXXX. I contacted XXXX XXXX and was informed twice that my account couldn't be reinstated because it was closed by a credit bureau. Spoke with Experian who told me they could not help me that XXXX XXXX had to request for reinstatement. I had XXXX XXXX to submit request. So far this has been a 30day process. A mistake that easily could have been avoided by checking the open dates I provided on original dispute I sent in this is causing me emotional distress.

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 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CO

Complaint narrative:
This incident occurred with the Netspend company while trying to set up a prepaid debit card purchased : from XX/XX/XXXX. 

Total dollar amount spent {$55.00} Bought a card spring of XXXX and loaded {$40.00} into it. Went to activate in XXXX of XXXX and couldnt activate card : XXXX expiration dates listed : XXXX on the package in which the card came and XXXX on the card itself ( the one on card was XX/XX/XXXX ) I called and tried to activate the card and was told that it had expired. Later told the {$5.00} per month inactivity fee had drained the card. 

A courtesy credit of {$23.00} was guaranteed but not noted on my record when we called the next day. 

Representative who told us we would receive a courtesy credit told us that we would have to buy a new card to loaded the courtesy credit on. 

Upon calling the next day with a new card worth {$10.00} ( activation fee + card minimum ), no one had any record of the courtesy credit. A lady finally finds it and places on hold for 45 minutes before never getting back to us. 

We call back and a new representative tells us there is another {$5.00} fee ( this is not the case, fees were already taken care of, and this was a courtesy credit ) This gentleman then asks to activate the new card, and in doing so asks for my DOB, address, phone, full social security number, and email Gentleman says hell help activate card but then says he actually can not because I need to set up a PIN ( my first time hearing about this ). He tells us hell transfer us to automated PIN line, we say no well do it from another phone and successfully do it Once PIN is set up, however, he says he can not actually unrestrict my account to load the courtesy credit. When we ask for supervisor, we placed in supervisor queue for over an hour before being disconnected We call back and get a new representative who says shell connect us but knowingly tranfers us into the supervisor queue three minutes before the call center closes which we only find out when we call back after another 40 minute hold. 

I think their practices are deceptive and intentionally making it difficult for the consumer to access the funds that they place on the card. This is bad business practice. 

I tried to call their corporate headquarters, and there is no way to reach anyone there either. I typed in the first and last name of many high level executives as was promoted and the automated system repeatedly returned with no matches.

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 2022-06-24 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 flowing companies have violated my rights. 

XXXX XXXX XXXX, Account number ending in XXXX XXXX XXXX, Account number ending in XXXX XXXX XXXX, Account number ending in XXXX XXXX Card Services, Account number ending in XXXX XXXX / XXXX, Account number ending in XXXX 15 U.S.C 1681 Section 602 A, states I have the rights to privacy. 

15 U.S.C. 1681 Section 604 A Section 2, 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 2022-06-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

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 2022-06-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Someone is using my personal information and social fraudulently.

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 2022-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
I had a loan modification offered, notarized and recorded as of XX/XX/2022. Nations Dircect Mortgage has not updated the balance nor the partial claim that was approved by HUD. I am not able to get the correct payoff and they just tell me to wait. I have the wrong amount showing, they know they have the wrong amount showing but no one there can actually update their own system to reflect the correct balance? HUD replied to me that they have not received the final package from them. How how is this supposed to take and is this normal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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:
TransUnion is in violation pursuant to 1681c-2. On XX/XX/2022 I sent TransUnion a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since TransUnion has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.

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 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has had me in XXXX  and early warning system flagged as fraud. I have never committed any fraud activity on my account I had with them years ago. Overdrafting an account is not considered fraud. Bank of America has neglected to return my calls or investigate this and remove me from XXXX Early warning system and XXXX XXXX has violated my privacy rights no one ever contacted me to verify this on my consumer history in writing or phone, they allowed Bank of America to put me into their system without investigating a just and fair. They never verified accuracy of information for 3 years and ignores my investigation requests

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 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX has had me in XXXX and early warning system flagged as fraud. I have never committed any fraud activity on my account I had with them years ago. Overdrafting an account is not considered fraud. XXXX  XXXX XXXX has neglected to return my calls or investigate this and remove me from XXXX Early warning system and XXXX XXXX has violated my privacy rights no one ever contacted me to verify this on my consumer history in writing or phone, they allowed XXXX  XXXX XXXX to put me into their system without investigating a just and fair. They never verified accuracy of information for 3 years and ignores my investigation requests

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance the the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states that 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 2022-06-24 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: FL

Complaint narrative:
In accordance the the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXXXXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is in violation pursuant to 1681c-2. On XX/XX/2022 I sent Equifax a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since Equifax has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions
State: KS

Complaint narrative:
Rent Recovery Solutions contacted myself and a family member by phone on XX/XX/2022. A dunning clause was included in the message indicating they were attempting to collect a debt. I sent written notice on that same day XX/XX/2022 limiting contact to mail and they proceeded to make contact by phone again today, XX/XX/2022. I also included in the written letter my mailing address and notified them I have not received any identifying information or notices from them. I still have not been given any notice or information either by phone or writing of any alleged debts. I have no idea if this company is legitimate or not, please advise me. The phone number I was contacted by is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
CFPB THIS IS NOT A DUPLICATE : Santander Consumer USA Inc, over-stand me when I say this is my final order or you will be sued in Federal Court at the very second Santander dishonor this Order you will be sued for the maximum the Federal Court allow me to with prejudice!!!!!!!!!!!!!!!!!!!!!!!!! 

All persons mentioned can all be tied into XXXX A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. As I all documentation evidence of Santander, XXXX, XXXX XXXX activities the CEOs and CFOs of each company mentioned shall be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Car belonged to ex wife. In amount XXXX. The car is a XXXX  XXXX XXXX coupe. I called the company ( USAA ) to remove the loan but nothing was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
I filed bankruptcy and got XXXX in XXXX of 2021 and my mortgage payment still does not report to my credit report. And I'm getting the run around about who problem it is.

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 2022-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: QC HOLDINGS INC
State: OR

Complaint narrative:
I was called by an unnamed " collection '' agency that claimed I took out a XXXX XXXX loan in 2014 from a company called QC holdings. They knew my full social, and address, however they used a former last name. The debt has since allegedly been procured by the company, who refused to give me any information at all, other than if I didn't pay it over the phone it would be much worse in court. I have since checked my credit history to be 100 % sure and no such debt exists. I called the company back telling them they were fraudulent and got hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Onemain financial I borrowed XXXX and I missed payments tried to pay so I could get back on track the constantly called several times a day for months sent letters and I finally refused to pay it cause I was being harrased on a daily basis with 15 calls a day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: MN

Complaint narrative:
I seen a collection on my credit report to a company that I did not use since XXXX and shows all paid. And now I have an acct showing on my credit report from XX/XX/XXXX which I did not open. I have tried to dispute but I don't see any changes or explanation on the report from results.

Company response to consumer: Closed with explanation