vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
Around about XX/XX/XXXXXXXX XXXX XXXX I went into the bank for two purpose. 1th cash a check, a check I thought was from an employer, for XXXX 2nd to open a separate account so my funds and the business funds would not be in the same account. Upon arrive the bank manager was training an new employee, so she assisted in opening this account for me. On about the XXXX of XXXX said employer requested I send XXXX via XXXX XXXX for said alleged equipment for work. I sent out XXXX, I was busy so I couldn't send out anymore on that day. On the following day which is Sunday, XXXX employer XXXX wanted me to send out another XXXX to an supplier via XXXX XXXX. On that same day said employer requested another XXXX via XXXX XXXX my bank rejected the request so the said employer requested XXXX via XXXX XXXX. I deposit a check for XXXX thinking it was from an employer. ( scammed ). I sent out XXXX dollars and requested a cashier check for XXXX. After finding out from my bank that the check had bounced that is when I found out I was scammed. I was able to stop a XXXX payment. I went in person to put a stop payment on the cashiers check because I didn't want the scammers to get the check for XXXX. The bank stated that they could not put a stop payment on the check for 90 days. I was angry. I stated why not? the stated that was their policy, I asked can I see that policy. The stated that they couldn't show me that policy. I asked for a regulation or policy stating that I couldn't cancel that cashiers check. No avail. After the officer took my report. I waited a couple of weeks and went to the to take the cashiers check and receipt to have the bank take that off of the balance. Although the bank states the the cashier 's check is part of the funds owed to the bank they refused to take the funds off the account or cash the check. I have a cashiers check for XXXX that was brought with XXXX check and the bank claims that they can't reduce my bill. The bank already took the money I have in two separate accounts to pay on this bill closing out both and took additional money coming into my account. Now I have no job I can't pay my bills such as stand by cash which is a loan with the bank. I had to find another way to get my SSDI so I could pay my basic bills. I had just cleared up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
I have a mortgage with SN Servicing Corporation. They refuse to accept any of my payments since XXXX. The last payment I have made was on XX/XX/2022. I made a payment of {$12000.00}. They keep refusing my payments and are requesting $ XXXX. I admit that I had a check that did bounce due to COVID, but after that, they won't take anything from me. I tried speaking with them and they continue not to take my payments which is causing more fees. I am not trying to be behind with my payments and trying to avoid foreclosure. It is unfair to have my home foreclosed when they will not accept any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accountsand inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX OF XXXX Account Number : XXXX Please remove it from my credit report. 

13. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

16. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

17. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it 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 2022-10-12 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: TX

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 : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX.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 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 2022-10-12 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: NY

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 states : it also staes a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card under an 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
Consumer complaint received 2022-10-12 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:
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 states : it also staes a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card under an 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
Consumer complaint received 2022-10-12 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: TX

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 XXXX XXXX XXXX. 

XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXXs : XXXX, XXXX Bank : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Lending : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MILESTONE : XXXX, XXXX XXXX SERV : 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 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 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 2022-10-12 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: TX

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, XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX  : XXXX, XXXX Bank : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Lending : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MILESTONE : XXXX, XXXX XXXX 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 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 explanation
Consumer complaint received 2022-10-12 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: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

16. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

17. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

19. Validate Account XXXX. XXXX Account Number : XXXX Please remove it 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 2022-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
this company AD ASTRA RECOVERY SERVIC HAVEN'T GIVE ME A CONTRACT I SIGN WITH THERE COMPANY I WANT A DOCUMENT WITH THERE COMPANY NAME AS A HEADER WITH MY SIGNTURE THAT STATE I OWN THEM ANY AMOUNT AND IF THEY CAN'T GIVE ME THAT DELETE THE ACCOUNT WITH ALL CREDIT COMPANIES NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America opened a credit card with a {$30000.00} limit in my name to someone else 's email address and a false address. No purchases were made. When I found out, I got them to close the account however I asked that they notify the credit bureaus that this was a fake account so that the opening and closing of such a large limit account did not go against my credit score. I also contacted the three main bureaus myself. I was notified by XXXX that BoA told them I was wrong, and the account was a valid account. This is blatantly false and needs to be corrected with the credit bureaus.

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 2022-10-12 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
credit acceptance corp is a lemon for cars. i bought a used card from them its was a LEMON didnt run properly too much work it wasnt even 10 days they told me to return the car n it will not show up on my credit i believe them very gullible young lady they came pu car n reported it as a repossession but i turned it in i paid of the difference credit acceptance it will be removed they Lied its on my credit as CLOSED unexceptable should be REMOVED

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 2022-10-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. The following information is incorrect XXXX XXXX Account Number : XXXX Please update all payment, All payment was made on time 6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: WA

Complaint narrative:
The are a few inaccurate accounts with adresses i do not reside in. 
a few accounts are paid off and there still holding my information in accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: MT

Complaint narrative:
I have numerous hard inquiries on my account that I did not request nor authorize. I have submitted a fraud alert in the past. I have discussed this with Experian and they haven't removed the unauthorized inquiries. 

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 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 2022-10-12 00:00:00
Product: Credit card or 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: Netspend Corporation
State: LA

Complaint narrative:
I was scammed by a website. I went to the USPS website to sign up for a change of address. After I finished I saw a charge on my account for for a change to my mail website. I never went to a change to my mail website I went to the USPS website. So I was scammed out of {$100.00}. So basically they are attached some kind of way to the government website. I went to NetSpend in disputed charge in XX/XX/XXXX of 2022. I got a letter today saying that they investigated it and that they found no error occurred. I call the company back again cuz the first time I called I couldn't get through so I called again. So there's no way to talk to somebody at the company. Because the company doesn't exist. It's a scam there's no mail forwarding I never got none of my forwarded mail. And I would have never signed up to change my address for XXXX XXXX NetSpend made a decision without even asking me my side of the story they didn't send me no paperwork to fill out. The website no longer exist for this company. So how could they make a decision to say that I can't get my money back because I was scammed when the company doesn't even exist anymore so it's obvious I was scammed. Please contact them to appeal their decision.

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 2022-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lockhart, Morris & Montgomery Inc.
State: IN

Complaint narrative:
Lockhart Morris & Montgo {$1900.00} Opened XX/XX/2022 Sent letters, no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation