vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 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: CO

Complaint narrative:
Experian is reporting inaccurate information for an XXXX acct # XXXX showing charged off for more than 180 days and they sent a 1099C. FCRA sec 623 this is illegal this is reporting 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 2023-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Snap Recovery, Inc.
State: IA

Complaint narrative:
Out of nowhere, I received an email and several texts saying a debt collector is trying to reach me from a former employer. They are texting and call my mom as well. I have received no written substance from them just emails and texts. The email has a very generic pdf attachment with my name on it and my former employer. I have no idea what this is for. I sent a certified debt verification letter and he emailed me. Saying I obviously received his letter and it includes everything. I responded telling him to read the letter. I have no idea who this is or what it's for. It's something called Snap Recovery.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: United Collection Bureau, Inc.
State: MI

Complaint narrative:
According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX XXXX. 2 ) account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
It started XX/XX/2022 bank of America I contacted them about the issue because the account was open under my maiden name and I didn't open the account they claim they were going to close account I still received mail about I have called several times and all they would do is put me on hold and would never come back to the line.

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 2023-07-11 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: GA

Complaint narrative:
The following information provided on the Equifax Credit consumer reporting agency violates my consumer rights based on Violation of FCRA Section 605 ( a ) Reporting Outdated Debt : I have noticed that XXXX XXXX XXXX XXXX has reported a debt on my credit report that is older than the permissible time frame specified in FCRA Section 605 ( a ). According to my records, the debt in question exceeds the seven-year reporting limit for negative information. This outdated reporting is not in compliance with the FCRA requirements. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2014 2014

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: AZ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

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. 
Account name : credit acceptance XX/XX/2020 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. 
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 2023-07-11 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.

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 2023-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have been paying on a car with US AUTO SALES for 2 years, and the money has not been going towards my loan. Im disputing this money and requesting it back.

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 2023-07-11 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: CO

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I created a dispute about the information on my credit report. 
I can not access the results of the report or my existing account, as I have been locked out of my account. 
I have 3 different phone numbers to call : XXXX ; XXXX ; XXXX NONE allow me to speak to a human. 
I need to update both phone and email addresses, I CANT DO ONLINE, IVE BEEN LOCKED OUT OF MY ACCOUNT. 

My only other choice is snail mail. 
This is utterly and completely ridiculous. 
Sincerely, Please, help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
On XX/XX/2023 I attempted to withdrawal {$200.00} out of my checking account. The ATM froze while showing your cash is dispensing on the screen. I filed a dispute and on XX/XX/XXXX Arvest bank gave me the {$200.00} back in my account. On XX/XX/2023 Arvest bank took the {$200.00} back out of my account. Their reason was, following the investigation the ATM audit came back as if the money did in fact dispense. But it did not. So I filed a police report with the XXXX Arkansas police department regarding this mishap because I can not request video footage showing that I did not get the money from the ATM. So I figured the police department could. But as of today, nothing has happened. And I can not file another dispute unless I have more evidence to support me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: SC

Complaint narrative:
I'm an extended identity theft victim who has legally done everything I can reasonably do and have forwarded all requested information from the credit bureaus to support my claim. XXXX and Transunion blocked XXXX  XXXX XXXX and XXXX credit cards that contained fraudulent activity with my FTC identity theft report then unblocked it because the creditors told them to do so as was told to me. Per 605B my report should legally blocked incorrect information as a result of fraud. Both bureaus also have my original police report and numerous formal letters requesting the block. By their incorrect and unfair reporting I continue to suffer damages and my once good credit name is tarnished. This is wilful non compliance. That legal document is binding and shouldn't be dismissed by disgruntled creditors. Per the FCRA and FCBA the bureaus must report XXXX accurate information and any billing or balance discrepancies are not to be reported. Both bureaus continue to report incorrect and harmful information. As a battered consumer I'm very upset and have very little trust with these credit bureaus and how they report and protect my personal information. I'm requesting an investigation into these unethical practices that are one sided and seemingly against the consumer and our logic. No one knows me and credit better than me. If the bureaus can not prove otherwise then they should accept my request and documentation and correctly update my credit reports.

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 2023-07-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I'm an extended identity theft victim who has legally done everything I can reasonably do and have forwarded all requested information from the credit bureaus to support my claim. XXXX and XXXX blocked Bank of America and XXXX credit cards that contained fraudulent activity with my FTC identity theft report then unblocked it because the creditors told them to do so as was told to me. Per 605B my report should legally blocked incorrect information as a result of fraud. Both bureaus also have my original police report and numerous formal letters requesting the block. By their incorrect and unfair reporting I continue to suffer damages and my once good credit name is tarnished. This is wilful non compliance. That legal document is binding and shouldn't be dismissed by disgruntled creditors. Per the FCRA and FCBA the bureaus must report XXXX accurate information and any billing or balance discrepancies are not to be reported. Both bureaus continue to report incorrect and harmful information. As a battered consumer I'm very upset and have very little trust with these credit bureaus and how they report and protect my personal information. I'm requesting an investigation into these unethical practices that are one sided and seemingly against the consumer and our logic. No one knows me and credit better than me. If the bureaus can not prove otherwise then they should accept my request and documentation and correctly update my credit reports.

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 2023-07-11 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: VA

Complaint narrative:
Hello, I'd like to bring to your attention that I am aware of how you have handled my securities. I am aware of your indentured trustee agreement with XXXX XXXX and XXXX & XXXX XXXX XXXX. My securities have not been handled properly, and i will file a complaint with the Federal Trade Commission for securities fraud if this matter is not handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX mailed in a check for {$16000.00} to payoff my Comenity/BJs Mastercard. Comenity cashed the check on XX/XX/XXXX. The {$16000.00} was never applied to my account. I sent in 2 seperate disputes with no resolve. XX/XX/XXXX, all Comenity/BJs Mastercard accounts were transferred to XXXX XXXX. XXXX XXXX has no record of any of my disputes and I can not get in contact with anyone at Comenity to help me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I deposited a check I received from my schools ( XXXX University ) bursars office. The did the deposit via mobile deposit on XX/XX/XXXX. 

I did not receive notification that there was an issue with the check until I went to open my app and my account was locked. 

I called the bank twice. I was informed that the check needed to be verified, and the check was reversed by the originator because it was beyond the 90 days. The check was dated XX/XX/2023. I made the deposit on XX/XX/2023, well within 90 days. 

The bank informed me that my account would remain frozen until they can verify the information of the check and did not provide a timeline but the second agent said I could try to call tomorrow. 

However, today is XX/XX/XXXX, over a week since the deposit. I informed them that I need access to my account as I dont have any other funds and it is where I get my direct deposit but they refused to release the account. 

Not only is the check legitimate, they never notified me of a potential problem, where if they had I could have called the school to get support and avoid having this dilemma. 

I feel that I was discriminated against because of my last name and age. Why else would they decide to take such aggressive steps. This is against fair banking laws. And while I understand the need to protect against fraud this was an abnegation of the banks responsibility to notify its customer of a problem and do proper and timely due diligence as to not cause unnecessary harm to its customer. It is likely that this policy is not being applied equally across customer demographics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: DRB-40, LLC
State: SC

Complaint narrative:
Diversified Recovery Bureau, LLC Current Creditor : XXXX XXXX XXXX Reference # : XXXX Original Creditor : XXXX Acct # : XXXX This company has been placed on my credit report without my permission As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRA 's maintains that if the inquiry is on file then the company listed did in fact view the consumer 's record. 
The Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ).

I don't recall applying for credit with you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I recently had to sue my insurance company for not paying out for damages in a timely manner. We finally settled and they issued a settlement check but put the mortgage company 's name on the check as well. Now the mortgage company, Freedom Mortgage, is not releasing all the funds to me. I keep explaining to them that this is a settlement check and not a check for repairs. They are insisting that I provided all sorts of additional documentation, including a home inspection inorder to release the funds. My attorney and myself have called multiple times and they will not release the full amount of my settlement check.

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 2023-07-11 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: Ray Klein, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX closed account that does not pertain to me. Identity theft. Been calling for 2 years straight with no resolution. 

XXXX XXXXXXXX XXXX XXXX - XXXX closed account that does not pertain to me. Identity theft. Have called multiple times since XX/XX/2023 with no resolution. 

XXXXXXXX XXXX XXXX XXXXXXXX open account that does not pertain to me. Identity theft. Called XX/XX/2023 and explain I will report as fraud. No resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
Milestone Credit Card was closed end of XXXX by the company. I paid all fees. Over 3 months later XX/XX/XXXX I was issued a refund to that card. To my surprise milestone still is using my personal information. I asked that the refund be returned to the issuing party and all of my Information be cleared from their system. My request was refused. I asked that I be sent either the paper I signed that milestone can still access my personal information after account closure and they refused. I also requested my {$280.00} refund be expedite again a refusals. I asked several times for return calls the information and an expedited check for the refund with no success. I want to see the legal papers that gives them access to that information after account closure and I want my refund immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: NV

Complaint narrative:
I was interested in refinancing my current mortgage, I was working with Mutual of Omaha. I spoke with representative on XXXX and was told I qualified for refinancing. I spent a week gathering and faxing documents over to company. My credit score is XXXX and I am a single female. Ive been paying on the current mortgage for 17 years with no missed payments and no late payments. I made XXXX last year and everything was going along fine until today. Now all of a sudden they tell me I dont qualify. I feel as though they are treating me like i dont qualify because Im female.

Company response to consumer: Closed with explanation