vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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. XXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, DEPT OF EDXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXXXXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington Bank of XXXX, Ohio initially locked and then closed my account without any warning. I believe it is due to my XXXX status. They refuse to provide a timeline for when a check for the funds that I had at the bank will be returned via check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Ilogged into the app end of XXXX and paid what was owed. Around {$500.00}. 

Mid XXXX I received notice about help with making my mortgage payment. 

I immediately logged into the app - shows payment for XXXX still owed. I logged into checking account. The payment never posted. 

I know I made my payment but attempted to make another payment through the app yesterday. Showed payment pending. 

This morning, I checked my banking account and nothing posted or is pending. Their app does not show payment pending Attempted to call. Phone disconnects after putting in last four of ssn. Attempted multiple times. Pressed pound, it disconnects. Called every other number I could find. Disconnects. 

I do not know how to speak with anyone, and I have not received any calls or voicemails from them either. Which, I would think they would be calling if my payment was missed. 

Ive worked too hard to raise my credit score for this nonsense to set me back. Paying my mortgage should not be an impossible process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I requested information be removed from my Trans Union credit report and notice several discrepancies on the report. They agent XXXX XXXX XXXX stated that I needed to contact you all and once it was complete they could remove it. I have contacted Trans union, XXXX, and XXXX 3 times as of this date XX/XX/2023 and have found something new and the inquires I did not authorize still on there. Also a job listing that I have never had. 
I have contacted the three Credit Bureaus XX/XX/XXXX, XX/XX/XXXX Certified and XX/XX/XXXX Certified and XX/XX/XXXX phone and Trans Union again today XX/XX/2023 via phone. 

XXXX XXXX XXXX, Inquiries Not Authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX credit transaction on XX/XX/2023 ( {$720.00} ) I have called this company and get nothing but a voicemail service. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This does NOT Belong TO Me There are several other inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This Account was paid off within the 90days and the Card on the account was removed and when attempted to pay it over the phone the agent stated that she could not take my payment because a payment had already been taken from my credit card. I informed her that I wanted to make my payment over the phone being that my 90 days would be up on the following Monday. They had a glitch in their system and the money did not come off my card and then they attempted to make me pay the full amount. But now on my credit report it shows the they wrote off {$300.00}. it also appears to be on my report twice. ( 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 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My personal checking account was debited {$86.00} by the department of education via an ACH transfer. I have not authorized this entity to debit from my account. I believe they obtained my bank account information from an old student loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Okay so on XX/XX/XXXX I called the company that Services my mortgage loan to ask why they are trying to charge me close {$1900.00} US dill in deficiency escrow account I advise them that I've been paying my bills on time taxes have not gone up more than {$70.00} in 2 years and my insurance probably went up {$100.00} in the past 2 years so this is not adding up. 
They kept giving me the runaround transfer me to XXXX different departments without giving me any real concise credit of what's Happening therefore I feel they are stealing from me and they are paying the taxes late and charging me the late fees and whatnot

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 2023-10-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: OH

Complaint narrative:
I filed a dispute the company had refunded the money and I have a copy of the receipt and my bank tells me they have no clue what Im talking about. No one can seem to tell me where XXXX $ is at

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2023-10-18 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
I was issued a pre-paid visa card by my employer. The card had expired, but had a balance of {$290.00}. There is a {$3.00} fee being charged each month. 

The website related to the card is still active, but there is no customer service live person option to report a missing or stolen card. 

According to the card agreement on the website, the card was administered by Blackhawk Networks. The process to report a stolen or missing card via email also references Blackhawk Networks.

When I called Blackhawk Networks, they acknowledged the initial purchase of the gift card. Then, they denied that the card was under their administration. They refused to issue a new card with a valid expiration date. I have no way to access the cash -- and they will draw down a {$3.00} fee for years until the balance of the card is used up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/XXXX, my computer was hacked and my personal information ( including my banking information ) was compromised. After i had woken up for tge day, I noticed my Chime checking account was charged {$990.00}. Someone had accessed my browser through my personal computer and bought a XXXX XXXX XXXX under my name and had it shipped to XXXX, California. I have lived in Kentucky my entire life. I was able to see this because the order was made on my account through the XXXX XXXX, which I got confirmation for the order via my email. Unfortunately, it was too late to cancel the order, as XXXX makes you unable to cancel an order after 1 hour has passed, at that time, I was asleep. I was told by the merchant they would intercept the package and they did not. I have filed a dispute on my behalf to Chime, which was denied the same day. Since then I have filed 9 rebuttals against the denial, and all of them have come back denied once again. I have given them several forms of evidence including personal information, screenshots of the order, and even a police report. It does not seem to matter what i try, they are not on my side. I am contacting the CFPB in hopes that I can have my money returned from this fraudulent case of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received a check from my deceased father 's life insurance policy for the amount of XXXX USD on XX/XX/2023 and deposited it. Check went in on XX/XX/XXXX but my account and funds were put on hold till the XXXX. The XXXX of XXXX came and went and my account still was placed on hold and still had no access to my funds, regardless of where they came from. My bank could not verify the origin of the check despite it being from a respected and known institution, which I find absolutely outrageous. After a long struggle with the bank i decided to close the account to open a new one elsewhere and have them resend me my check. My bank still hasn't let go of that previous check meaning i cant receive a new one and after speaking to the insurance company today ( XX/XX/2023 ) they said the check was cleared and cashed on XX/XX/XXXX without anyone calling to verify. I have not seen a single cent from that check and have gone through extreme hardships trying to get this situated. Neither company seem interested in helping me fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I called XXXX was put on hold and transferred several times. Could not get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
XX/XX/XXXX - I deposited a {$6000.00} CASHIER 'S check issued by XXXX XXXXXXXX XXXX to my joint account to cover a charge from the IRS. 
XXXX deposit XX/XX/XXXX - No deposit XX/XX/XXXX - I called USAA to see what was holding up my deposit and was told it was a SYSTEM issue that could not be over-ridden. I escalated the call to their Problem Resolution team and spoke with XXXX. He said he would have this assigned to a person on his team to look into. No name or callback number was provided. I asked that he have the person working this to call me back by end of day today to provide an update. He agreed to that. 
The problem here is lack of personal engagement on the part of USAA. No person has looked at this check to see that it is a CASHIER 'S CHECK ; IT IS LIKE CASH. {$6000.00} is less than the {$10000.00} TSR requirement. 
Has AI taken over USAA? If a person there would look at this, they would see that the account has an outstanding charge from the IRS that this deposit would cover. AI is not very intelligent and I am disappointed and enraged by their inaction. It's absurd!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lewis, McDonnell & Associates
State: CA

Complaint narrative:
Lewis, McDonnell and associates have been contacting our entire family in regards to a debt that is specifically in my wifes names. They have yet to reach out to my wife though. They are freaking out everyone in our family by throwing around legal jargon and threatening leins and wage garnishment. The debt in question is from XXXX. The original company ended up dropping up and debt collectors have been trying to collect ever since. It went dormant. Then in XX/XX/XXXX Lewis, McDonnell and associates purchased the debt and have been blowing us up ever since threatening to serve us with papers and all kinds of nonsense like that. Currently my wife and I both have XXXX and are very sick and these people will not relent. Everything I have found on them says they are a scam but everytime Im on the phone with them it scares me because all the legal stuff they keep saying. I am so scared of making the wrong choice here and screwing our lives up. Please we need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Americor Funding, LLC
State: NY

Complaint narrative:
The lender is Credit9. I dont know who they are and I never borrowed from them nor applied for credit with them. They call me almost every day, sometimes multiple times a day. In fact, as of XX/XX/2023, they have called me over 30 times this month alone. They dont leave a message, they just keep calling and calling me. It has become a form of harassment.

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 2023-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been asking since the day it appeared on my credit report. I have filed multiple disputes and requested all applications and statements for this account. This account is not mine and never was. I have a lock on my credit and several additional hoops are to be gone through in order to even apply. This again is not mine and never was. They keep selling the debt and ignoring any and all requests by me. 

MIDLAND FUNDING

Company response to consumer: Closed with explanation