vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been a long-standing customer with US Bank and have been extremely satisfied with this bank. Unfortunately due to fraudulent activity I had to close one account and open a new one ( fraud department was extremely helpful and I appreciate it ). I submitted my new banking information to my employer to enroll in direct deposit unfortunately that is taking a while. On XX/XX/22 I deposited my paycheck and was informed by a customer service representative that the hold on my check would be released on XX/XX/22. On XX/XX/22 my account is overdrawn, I spoke to another customer service representative who informed me there was a hold placed on my account until XX/XX/22 but that I could speak with the bank manager as they had the authority to lift the hold. On XX/XX/22 I went into the branch and spoke with the bank manager who informed me the hold was placed by the fraud department and he would be unable to lift the hold until XX/XX/22. I have also been attempting to get in contact with the Regional Manager to no avail. Meanwhile my car payment will be returned and I will keep incurring fees until this is resolved. Bills are not understanding, they become due regardless of circumstance. Not only will I keep incurring fees but now my credit will also be affected because of this hold. I missed work today because I do not have money to put gas in my car. I would like this hold removed immediately. 

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: 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: MS

Complaint narrative:
This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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

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: MS

Complaint narrative:
This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
I am referencing my previous Complaint # XXXX years high was closed. I was to be sent Refund Modification Documents per Freedom Mortgages Response of XX/XX/22 within 15 days. When that time past I phoned because my loan was still showing as being out of Loss Mitigation. The XXXX  ( they are always different ) I spoke to saw nothing about this resolution in the online notes! She said she would request a new review and to ask that my loan be put back into loss mitigation. I can not make a monthly payment on the app unless XXXX pay the full forbearance amount. I knew this might happen as it has been this kind of harrowing journey. Please reopen my Complaint to freedom Mortgage.

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. On XX/XX/2021 I entered a consumer credit transaction with Chrysler Capital which involved a finance charge along with a down payment of { {$5000.00} } cash. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. Chrysler Capital is in violation of the 15 USC 1605 Truth In Lending Act. Chrysler Capital didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Chrysler Capital is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to XXXX5 USC 1640 and 15 USC 1692K

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I wrote to Experian on XX/XX/2022 mailed same day, notifying them of the inaccurate reporting for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( THIS ACCOUNT HAS BEEN REPEATEDLY REPORTED AS A CHARGE-OFF, ACCORDING TO THE IRS CHARGE OFFS AFE INCOME AND CAN NOT EVEN BE REPORTED ) I WROTE TO OPT OUT ACCORDING TO 15 USC 6805 EXPERIAN DID NOT PROVIDE THE PROPER DISCLOSURES SPECIFIED IN 15 USC 1638 THEYVE BEEN REPORTING UTILIZATIONS WHICH IS A VIOLATION OF MY PRIVACY AND 15 USC 6801 ( a ) & ( b ) THEY WERE ALSO INSTRUCTED TO REMOVE THE INQUIRIES ON MY ACCOUNT THEY VIOLATED 15 USC 6801 AGAIN

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 reporing agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 reporing agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I found a billing issue when I checked my credit report. Billing mistakes include any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately represent a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not give me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. Please update the data that the following accounts are reporting. The list of the contested accounts is provided below ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX  XXXX XXXX Balance Owed : {$1900.00}. Additionally, despite your claims that the disputed accounts were true, you have not provided me with any papers to back up your assertions. I don't believe your allegations will result in the inaccurate information on my credit file being reported.

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: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I found a billing issue when I checked my credit report. Billing mistakes include any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately represent a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not give me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. Please update the data that the following accounts are reporting. The list of the contested accounts is provided below ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX  XXXX XXXX Balance Owed : {$1900.00}. Additionally, despite your claims that the disputed accounts were true, you have not provided me with any papers to back up your assertions. I don't believe your allegations will result in the inaccurate information on my credit file being reported.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX  XX/XX/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 2022-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
Cares act refund requested in XXXX, called multiple times given conflicting information every time. Its now XXXX and looking like its going to be even longer potentially months before the refund arrives. Blatant disregard for the cares act signed into law and terrible customer service. This company is ill suited to service the federal government contract it enjoys.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and or deletion of these items.

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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a Statement from BANK of America, XXXX  XXXX XXXX XXXX XXXX statement showed that my New Balance is {$76.00}. In Fact, I don't have any credit card Account from Bank of America and XXXX  XXXX XXXX and never purchased anything used it. It is fraud. 

I called several times, No one pick up phone. 

The following is the information of this company : Bank of America XXXX XXXX XXXX XXXX DE XXXX Customer Service : XXXX, www.bankofamerica.com Mail billing inquiries to Bank of America XXXX XXXX XXXX XXXX Mail payment to : Bank of America XXXX XXXX XXXX XXXX, XXXX DE 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 2022-12-13 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: GA

Complaint narrative:
I'm getting letters repeatedly from Midland Credit Management. I responded 3 times already, twice by mail and once by phone. They are harassing me about a debt I don't owe. I have 2 accounts with XXXX XXXXXXXX and both of my accounts are current. 

MCM account # XXXX

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is falsely reporting information on my credit report. I've sent the company copies of my FTC Report along with my police report and other supporting documents showing my identity has been stolen. They are refusing to block and or delete those items and thats a violation. XXXX, XXXX XXXXXXXX, US DEPT OF EDUCATION/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX It also shows all of the inquiries on the report that needs to be removed immediately. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i,, I requesting that the item ( s ) be removed and or blocked to correct the information. I've called them several times on XX/XX/2022 with no assistance with the identity theft matter. They told me they weren't going to block and or remove the accounts.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
Account name Consumer Portfolio Svc Account number XXXX XX/XX/XXXX was opened XX/XX/XXXX was closed and paid off Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX No phone number

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: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
My original home insurance company discontinued my home insurance without noticing me so my home insurance had been stopped for more than two months, my loan company ( Planet Home Lending ) asked me to get a new home insurance. I got new home insurance promptly in XXXX, XXXX. 

But started on XXXX XXXX, XXXX, Planet Home Leading asked me to pay expensive {$410.00} just for charging me the lapse of home insurance from XXXX to XX/XX/2022. I told XXXX there is not insurance company want to do the backdate coverage for me and it is nothing to do to protect XXXX 's interest as the loan company of my property since it was in the past. 

But XXXX ignored my request and increased my loan 's monthly payment from {$800.00} to {$840.00} instead. 

So far, I refused to pay the new monthly payment of {$840.00} but pay {$800.00} instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: NC

Complaint narrative:
Seedfi switched all account with Zero notice to a new loan service where customers can not view any of their original loan documents and are not given a website and I correct contact information for the company. 

on top of this Seedfi transfered bank account information without consent to these companies and stated they were authorized to withdraw from your bank accounts without authorization from the customer. Seedfi gave away all personal information of their customer to another company with zero notification prior to their customers. This company has my email, full bank account and routing as well as additonal personal information. 

in additon you can view the full structure of the original loan on the new loan company website. All of this was sent out the day access was cut off by seedfi. Customers were given NO prior warning

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: TX

Complaint narrative:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XX/XX/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 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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