vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: NY

Complaint narrative:
I did not apply for credit from ELAN FINANCIAL SERVICE

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 2023-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Coastal Capital Processing, LLC
State: FL

Complaint narrative:
I started to receive calls from a company from a XXXX number in XXXX and XX/XX/XXXX. They never asked me or stated they are attempting to collect a debt, but wanted me to verify my XXXX # or DOB. I stated that I could not do that, seeing there are many scams running crazy these days XXXX XXXX said they could put a lien on my car and they would file something in my county. They would not tell me the company they are calling from or anything. I asked my husband XXXX to look into it. After repeated calls, the company was getting annoyed with my husband, because he was inquiring on the same information. XXXX XXXX said that he would put a lien on my husbands truck, even stating it was a XXXX XXXX XXXX. XXXX XXXX also stated to my husband that I was conducting credit card fraud. Finally after repeated calls my husband figured out the company name was XXXX XXXX XXXX XXXX working under uscountyservices.com and that the voicemail had a name of XXXX XXXX. After talking to XXXX XXXX and a supervisor XXXX it was relayed to him that it was a Credit Card from XXXX  XXXX supposedly I have that was opened in XXXX, stating I owed a balance of {$2300.00}, Original Debt {$1400.00}. I am not aware of this account or that I owe anything related to this account. It has not been on my credit report, no communication from the original company or anything. They stated it had been paid on in XXXX, which I know what I pay on and can certainly say I have never paid anything on this account. My major concern is that this company never stated who they were or if they were collecting a debt as they should under the Fair Debt Collection Practices Act. They threatened liens on my vehicles and property, even my husbands vehicle. They gave out my address, birthday and last four of my SSN to someone that they assumed was my husband ( which it reality was ). They have not sent any written communication as I have asked to have and have been evasive during the whole situation.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XX/XX/2023 XXXX The debt collector called my mother in regards of a debt I owed from a victoria secret card. He said that if we didnt come up to an agreement that he would send an attorney over to my house. I told him that I didnt owe that money and that he could send an attorney over and he was shocked with my response. I hung up and looked at my emails and found this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I completed an application for XXXX at XXXX apartment complex. Once they received my money, the stopped all communication. I called for several days and into the next week with no response on a decision in regards to my application. I called my bank due to believing it is fraud. XXXX XXXX XXXXXXXX then had someone call me stating they were from Hunter Warfield to collect debt. They man was extremely rude and was yelling over the phone. He then threatened and said I " better pay the debt '' or he would report to the credit bureau and " ding my credit ''. He also told me to let him know when I got a lawyer. I tried calling the complex again last week with no response. It is like they are screening my calls. They had great communication until they received my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was recently scammed on XXXX, for a false job opportunity that was given to me. The " company '' sent out a check for me to deposit to go towards getting supplies for remote work. The funds were deposited through my mobile banking app through 5/3 bank on XX/XX/2023. I received a message on XX/XX/2023, stating that the funds were available. I was told by the " employer '' that the funds should be available and asked for me to confirm. I did confirm they were deposited into my account, and from there he offered for the " company '' to overnight a laptop instead, which required me to send the funds back. I did this through XXXX on my mobile banking app and XXXX XXXX, between the dates of XX/XX/XXXX and XXXX. On the morning of XX/XX/XXXX at XXXX XXXX, I did check my mobile banking app and noticed the negative balance, which let me know I have been scammed. At XXXX XXXX  central time, I called 5/3 bank to let them know about the scam and to inform them I had filed a police report, a report with the XXXX XXXX XXXX and I spoke with the hiring leader of the actual company, whom the scammers posed as. He also described my situation and said that this is a going thing and they are working with XXXX to resolve the issue. Fifth Third still chose to close out my bank account and required me to pay XXXX dollars within thirty days or set up a payment plan, after I was scammed and reported the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: FL

Complaint narrative:
XX/XX/2023, I sent a letter to the courthouse asking do the report XXXX  to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my XXXXXXXX  as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I closed the account with XXXX last year and was given a pay off and then made the final payment in XXXX installments with the final payment paid last XXXX. This account should be clear of any charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX, 2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-07 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: MOHELA
State: MI

Complaint narrative:
I submitted my employer certification forms for forgiveness of my student loans based on the Public Service Loan Forgiveness program on XX/XX/XXXX. These certifications covered XXXX, XXXX through XXXX, XXXX, all of which were qualifying employment for the PSLF program. The submittal page indicated it would take XXXX business days to process, which I understand is normal. These forms were all submitted as part of the same packet. On XX/XX/XXXX, my account was updated to reflect the forms were " processed '' and a notice would be sent within 7-10 days. On XX/XX/XXXX, a payment tracker appeared in my account. On this payment tracker, the period from XXXX XXXX XXXX did not appear in any part of the tracker-either the eligible or ineligible period. This period of time was not on a pick list or part of any count. The rest of my employment was displayed except this period. 

I contacted MOHELA via live chat on XX/XX/XXXX to inquire as to why this period was not appearing in my account at all. The individual responding to the chat, XXXX, indicated my forms would be submitted for reprocessing to include this employment in the count. I asked how long this would take, and XXXX indicated it would be another 90 business days. The PSLF Form Status on my account also indicates it will take another 90 business days to review the same documents. I have not received an explanation as to what happened to cause this reprocessing to be necessary and it is especially confounding given the rest of the forms or periods of time appear without issue. 

This is an unacceptable administration of this program. These documents were in the same packet and there appears to be no way to track where these documents are in the process. The idea that it will take another 90 business days to " reprocess '' when they already have had the information for three and a half months is absurd when my financial future is hanging in the balance and I have been eligible for forgiveness for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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: GA

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX/XXXX ( XXXX Opened : XXXX. XXXX, XXXX, XXXX : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2022, I the consumer contacted ABILITY RECOVERY SERVICES LLC to send me proof that validates I have some contractual obligation to pay ABILITY RECOVERY SERVICES LLC. I received this response to my complaint made against ABILITY RECOVERY SERVICES LLC on Acct # XXXX : ABILITY RECOVERY SERVICES LLC is continuing to report on my credit profile alleging Acct # XXXX was verified pertaining to an alleged debt for {$2200.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing Acct # XXXX is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Failure on ABILITY RECOVERY SERVICES LLC behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2023-02-07 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: WV

Complaint narrative:
Each company is showing Inquiries on my report that are false. I have provided proof and the company who sent furnished the inquiries also reached out to them expressing that they should be removed and they have not yet done so. I have contacted each company as well as place a CFPB complaint on this issue and it has not been removed from my credit reports. I have the exact letter from the furnishing company on what should not be on my reports at all. this is hurting my credit and my opportunities! below are a list of the inquires that should be deleted asap. 

Date in question : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: WV

Complaint narrative:
Each company is showing Inquiries on my report that are false. I have provided proof and the company who sent furnished the inquiries also reached out to them expressing that they should be removed and they have not yet done so. I have contacted each company as well as place a CFPB complaint on this issue and it has not been removed from my credit reports. I have the exact letter from the furnishing company on what should not be on my reports at all. this is hurting my credit and my opportunities! below are a list of the inquires that should be deleted asap. 

Date in question : XX/XX/22 -XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In the fall of 2022 my identity was stolen after receiving unwanted and unknown balance transfer checks in the mail. I was never notified by Bank of America that they would be sending unsecure checks that could be easily cashed by a third party. 
Thinking these unknown checks were junk I inadvertently discarded them in a XXXX XXXX  receptacle believing the XXXX managed their receptacles in a secure manner. Although, I had ripped the mail up a third party was able to pull them from the garbage and cash the amount of XXXX dollars creating a three-month financial nightmare. As a result, I contacted all of my financial institutions admonishing them to not send me any more of these unsecure checks through the mail. All of my institutions except Bank of America have ceased this practice. 
I have contacted BOA numerous times each time taking over and hour to get through due to their poor customer service. I have told BOA reps. that I would be filing this complaint if these mailings did not stop. Despite my efforts BOA adheres to this practice and continues to send these unwanted checks and embrace this careless security practice.

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 2023-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
i leased an automobile from kia of XXXX in ohio, at the use of my credit extension with seller. there where several mechanical issues, i returned the car to the dealership, after 18days of not having a vehicle once returned, i was informed that " under my powertrain limited-lifetime warranty '' my engine had been replaced with a used engine this was all done without owners consent, which violates my constitutional rights as well as my privacy rights, and the sellers obligations of non-performance and responsibility.

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 2023-02-07 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: FL

Complaint narrative:
I have checked my credit report and saw a late payment that I was not aware of. I always make sure to pay on time. Below is the late payment appearing XXXX  XXXX I wanted this late payment appearing removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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: FL

Complaint narrative:
I have checked my credit report and saw a late payment that I was not aware of. I always make sure to pay on time. Below is the late payment appearing XXXX  XXXX I wanted this late payment appearing removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has deen sending me collection notices in the amount of XXXX. The collection has been posted as past due balance. I do not know this company. I never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation