vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Webster Bank HSA managed my XXXX account in XXXX. 
The company I work for selected XXXX  XXXX XXXX to hold the XXXX account. 
Our funds were transfered from Webster to XXXX in XXXX. 

XXXX XXXX claims to have issued a check to our family orthodontist in XXXX in the amount of {$140.00}. 

My son 's last appointment with the orthodontist was in the first half of XXXX. 

In XXXX of XXXX, the orthodontist returned to us a check drawn on Webster Banker that was issued to the orthodonist in XX/XX/XXXX. 

XXXX Bank can't explain why they were holding {$140.00} of our money and their proposed resolution is to simply send us the money, leaving the issue of sorting out the tax consequenses and liabilities to me. 

I believe that Webster has completely failed in their obligation to account for our money and to comply with Federal tax law. 

I am asking the CFPB to request an audit of our account and to compel Webster Bank to deliver the {$140.00} to my active XXXX account holder with all tax records accurately adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: Nelnet, Inc.
State: MD

Complaint narrative:
My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through NelNet but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been XXXX and they told me that the holders on the student loan accounts are XXXX XXXX XXXX and that only they can make changes. I also reached out to XXXX XXXX XXXX  and they told me Nelnet should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both nelnet and XXXX XXXX XXXX  have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
I was unaware of any notifications about debt collections. I believe this is inaccurate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Account name WESTLAKE FINANCIAL SVCS Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Open. Deferred, payment date not reported Status updated XX/XX/XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Recent payment {$480.00} Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, 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 explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Mortgage Fraud by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX & XXXX Select Portfolio Servicing, lawsuits as follows : XXXX, XXXX, XXXX, Not XXXX XXXX will uphold the laws to protect Consumers being defrauded! in 2023, I expect I will need to file another civil action against XXXX & the lawyer XXXX XXXX XXXX. & XXXX XXXX see XXXX # XXXX on case # XXXX, just filed on the docket XXXX we are now forced to pay the XXXX demand of over $ XXXX. Total corruption, read the detail lawsuit XXXX XXXX law section XXXX applies! XXXX misconduct, misdemeanor charge! XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding LLC is in violation of 15 USC 1692g validation of debt : they violated my consumer rights for failing to follow dispute procedures they reported and alleged debt on my consumer report without sending me written notification allowing me to dispute the alleged debt and for them to validate it. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act, LVNV funding LLC willing fully and knowingly reported false and misleading information to my consumer report. They reported the information on my consumer report under fraud to extort money from me and defamed my character without validating the alleged debt. They assumed the debt was valid through hearsay according to the FCRA it says the information reporting must be 100 % accurate how would they know if it was 100 % accurate without doing an investigation, I don't know this company I have never done business with company I don't have a binding contract with both parties ' signature meaning myself and LVNV Funding LLC, with both having equal consideration to obligate me to pay LVNV Funding LLC. They are also in violation of 15 USC 6802 Obligation of with respect to disclosures of personal information. I never gave consent or written authorization for this company to have my personal information according to 15 USC subsection 1028a ( a ) ( 1 ) that is aggravated identity theft LVNV Funding LLC does not have consent or authorization from me to have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My XXXX XXXX account shows a lot collections and charge offs that are incorrect. It says my equifax score says XXXX but my actual equifax score is XXXX via equifax website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Account # ending in XXXX Business name : XXXX  XXXX XXXX Location : XXXX, FL On XX/XX/2022 I filed a police report with the XXXX XXXX police department because I noticed there were unusual XXXX transfers from my business account, higher than normal amounts to XXXX individuals I had no knowledge of, in the sum of {$15000.00}. I contacted Bank of America to let them know and open a claim because {$15000.00} from my savings was a lot and I didnt know to who it was. A claim was opened, but Bank of America did not return the money that was STOLEN from me!! And I was left to deal with the $ XXXX LOSS from my BUSINESS ACCOUNT. Which is ridiculous and unacceptable! I have a whole POLICE REPORT to prove the theft! That I was unaware of! I need Bank of America to return my funds to me as soon as possible and investigate further

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 2022-12-13 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXXXXX has me at a score around XXXX That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: MoneyLion Inc.
State: WI

Complaint narrative:
Somebody used my account to apply for XXXX loans in the amount of {$290.00} and also made a purchase at XXXX XXXX in another state

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened an auto loan through Wells Fargo and it has been a nightmare since day one. 
I am currently in the process of purchasing a home and I am having to put off my closing due to, guess what account? here it is XX/XX/XXXX, half way through the month and the last time they have reported anything back to the credit bureaus was XXXX. I have been calling Wells Fargo Auto Loan line everyday for the last month with no resolve and receiving the same excuse " it has already been sent '' even though all XXXX bureaus still have the same exact information, last balance reported XXXX, last payment reported in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Received a call about a possible collections but never was sent a disclosure amount or attempts to collect. 
I believe this debt is inaccurate and not my debt.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, has 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Bank XXXX, has 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 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 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I filed a dispute with Navy Federal Credit Union in regards to a pre-order purchase made with a merchant on XX/XX/2021. After presenting all emails to the merchant showing they have not responded, NFCU has stated that there was no error in the purchase. This is incorrect. I believe that after a year of no notification from a company and then failing to deliver a product warrants a refund or a charge back should said company fail to reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im depressed  now.with no help.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX has 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 a account without my written instructions.

15 U S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXXXXX XXXXXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XX/XX/1973 XXXX XXXX XXXX XXXX XXXX Ss # XXXX Credit Bureau XXXX Experian I need you to investigate the following accounts XXXX XXXX account # XXXX XXXX XXXX  account # XXXX In accordance to the fair credit reporting act Experian has violated my rights by reporting my accounts as late. 
15 USC 1681 Section 602 States I have the Right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under Any 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