vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATIONAL CREDIT SYSTEM XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: KY

Complaint narrative:
Mohela won't tell me if they are processing my teacher loan forgiveness ( not pslf but the teacher one ) form or when it will be processed. The website said it would be processed within 10 business days but it has been longer than that.

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 2023-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On Friday, I attempted to login into my USAA account and was prevented from doing so. USAA was making me enter a token, but the app would not generate a token. I called USAA multiple times, and they refused to verify me without a token, I can not provide a token if the app is not generating a token. in the past, I have been able to get verified by sending a secure text message to my cell phone or answering additional security questions and for whatever reason USAA decided to remove that as an option from my account. They required that I send them a drivers license which I did and I called back asking if they could verify it so I could access my account once again, and once again again, they refuse to give me access to my account. And told me I have to wait up to three business days in order to gain access to my account. There has been no suspicious activity. There hasnt been anything unusual and Im not sure why USAA is preventing me from asking my account. They really should not be in business. At this point. Ive done everything theyve asked and Im not sure why they removed any other options From getting verified so at this point, theyre just holding my money in my account hostage and refusing to give me access

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I purchased a {$60.00} American Express card just two days ago at my Local XXXX. I made the mistake in getting this one as opposed to the usual XXXX, but I figured, why not. This shouldn't be much of an issue. I tried then using it on XXXX XXXX XXXX, XXXX, etc, and all of my transactions have been declined. I am beyond frustrated because it seems theres other issues in regard to this as well online. 

This is XXXX  XXXX  stolen from my hard earned money, and not to mention, I'm being charged for every transaction even if it bounces back? There's a XXXX fee on my balance as well. 

please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Dear Sir- I have a Certificate of Deposit with Citizens Access banking with account no ending with XXXX. 

I initiated closure of the CD, and transfer to an external bank more than a week ago, and the transfer was accepted by Citizens Access. However, even after a week, I show that the transfer process has not even begun. 

Due to this, I am unable to cover a number of expenses, which is causing me a lot of stress. 

This is not the first time this has happened. Several months ago, when I had to pay my son 's tuition fees for college, I closed this same CD and initiated an external transfer. Though the transfer was accepted online, the money was transferred. Back then, Citizens Bank called me after several days, saying there would be a penalty incurred. I had to tell them that their bank did not honor the transfer on time, due to which the transfer had to be done after the grace period. 

The bank did not accept the explanation, and that resulted in me borrowing money from outside. 

This bank does the same trick again, making it extremely difficult or impossible to get money out of my CD deposit. Right now, I need to pay my mortgage, but this bank 's actions, or lack thereof, are going to make it impossible for me to transfer my money. 

I am not the only consumer who is facing issues with Citizens Access Bank. Several other consumers have voiced their frustration over eerily similar issues with this bank. 

I request the authorities to investigate this case and also the bank 's practices that are causing stress to me and potentially to other consumers as well. 

Please feel free to contact me in reply to this email or at my address or phone # below. 

Thank you, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint Mortgage has verified as accurate information they submitted to CRAs from XX/XX/XXXX until XX/XX/XXXX. In mid XXXX XXXX 14 months after this account was transferred, they CHANGED information to corroborate with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report & I was shocked to learn that I had been a victim of identity theft. I found numerous accounts on my credit report that were all opened in the same month and NOT by me. This has been hurting me because I am currently in the process of trying to purchase a home for my family. Please remove these fraudulent accounts from my XXXX & experian credit reports as soon as possible : XXXX XXXX XXXX : XXXX opened : XX/XX/XXXX amount owed : {$1200.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX amount owed : {$1800.00} XXXX XXXX  : XXXX opened : XX/XX/XXXX amount owed : {$150.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) amount owed {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX ) amount owed {$0.00} Pursuant to USC 8 , I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681 b. 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4 Also, if said verified i would like to be sent info on how these accounts were verified & what process was used to verify the info.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these creditors has violated my rights. 

Under 15USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666b a creditor may not treat a payment on credit card account under an open end and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these creditors has violated my rights.

Under 15USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666b a creditor may not treat a payment on credit card account under an open end and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I submitted a credit card application for the Paypal XXXX XXXX on XX/XX/XXXX. 

I received a notice in the mail around 2 weeks later that I was denied due to fraud concerns ( I opened a few new lines of credit around that time ). 

I called Paypal to ask about when I can reapply to the card. They advised me to call XXXX XXXX. 

XXXX XXXX  mentioned that I can re-apply 30 days after I was originally denied. 

I tried reapplying 61 days after my original application, and I am still greeted with a " Sorry, we can't offer you this card right now '' error message. 

I called PayPal, who mentioned that they did not control the eligibility of when members see this screen. 

They transferred me to XXXX XXXX. I escalated at XXXX XXXX mentioned that they did not control when members see the application form on Paypal 's website. 

I called PayPal again to ask about when I can re-apply. At first, they mentioned that I can re-apply 30 days after the original application. Once I mentioned that it's been 61 days, they mentioned that they are not sure when I'll be able to re-apply. 

The lack of specificity in their replies leads me to believe that they do not have a policy that mentions when denied applicants can re-apply again. This is concerning and may not provide equal opportunity to applicants that were denied in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received a Wells Fargo Active Cash Visa credit card in the mail. 
This happened a few days after being on a website and suddenly receiving XXXX SPAM emails. I deleted all the emails. 
2 days after receiving the credit card, I received a statement form Wells Fargo. 

I did NOT orally request a credit card from Wells Fargo. 
I did not request a card in writing. 
I DID NOT fill out an application for any credit card. 

They claim that I received the card because the used a credit report from XXXX. 
I did not authorize any credit report from anyone! 

I saw many reports that said Wells Fargo has a history of illegally sending unauthorized, unsolicited credit cards and that they have been fined in the past. The fines didn't seem to matter?

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been diligently working to resolve the derogatory marks XXXX XXXX has listed on my credit report. Despite the account in question having been paid in full for over a year, it remains on my record, tarnishing my creditworthiness and causing financial hardship, stress, and XXXX. I have reached out to XXXX XXXX multiple times to rectify the situation and have provided them with all necessary documentation to prove the account has been settled. Additionally, I have expressed my concerns about the inconsistent reporting of late payments, which only adds to the discrepancies on my credit report. The inaccurate reporting is having a significant impact on my financial standing, and I am eager to see a resolution and have these derogatory marks removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
Re : Cease and Desist Letter Pursuant to 15 USC Dear XXXX XXXX I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into. 

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law.

I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.

2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.

3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages.

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law.

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Signature on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Upon reviewing, I see that Credit Acceptance Corporation had hidden fees in my car loan contract. I tried to tell them after purchasing the vehicle but less than 1 year later they repossessed my car due to impossibly high payments that were not the original terms. I explained this in person when I went to pick my car up after having it repossessed. They didnt care. I tried to keep up with my payments but they raised my payments a third time, I know now I should not have allowed them to do this. They repossessed the car right after I came home with my XXXX  and after that I just stopped trying to keep that car. This company has violated me. I was XXXX XXXX XXXX paying over {$500.00} a month for a used car for two years. The car shouldve been paid off but on my credit it says I owe over XXXX which is not what I signed to purchase the car for.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have made multiple attempts to get in contact with XXXX XXXX regarding a fraudulent collections account that is being reported to Equifax. Despite speaking with them on multiple occasions and sending letters via certified mail stating that this was not my account, I have not received any resolution. I was assured that they would conduct an investigation into the matter, but I have yet to be contacted with any updates since. This fraudulent account is severely impacting my credit profile, causing me financial hardship, stress, and XXXX It is also negatively affecting my creditworthiness, and I am eager to have this issue resolved so that I can have an accurate and fair credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I have already field an FTC report. 

The inquiries are : 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 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 2023-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Statewide Credit Services Corp.
State: CT

Complaint narrative:
Dear CFPB, I am writing to address several significant concerns related to the actions of a debt collection agency, Schwartz , Schwartz & Associates ( LIC. # XXXX ), and their handling of a debt purportedly owed to XXXX XXXX XXXX XXXX XXXX 

Failure to Verify Debt : I filed a dispute regarding the debt on XX/XX/, providing comprehensive details, including evidence of my dispute, and requesting the debt be verified. To date, I have not received any response or verification of the debt from the debt collection agency. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which provides me with the right to have the debt verified. I have attached a copy of my initial dispute letter and evidence for your reference. 

Continued Attempts to Collect Disputed Debt : Despite my dispute, and even after submitting the dispute to Schwartz , Schwartz & Associates, the agency has continued its attempts to collect the disputed debt. This is a blatant violation of the FDCPA. The debt remains in dispute, and I have clearly requested that all collection efforts cease until the dispute is properly addressed. 

Communication After Request to Cease : I sent a cease and desist letter to Schwartz , Schwartz & Associates, instructing them to cease all further communications. The letter was received on XX/XX/XXXX ( USPS Tracking number XXXX ) and proof of delivery attached. 
Unfortunately, the agency has ignored my request and continued to contact me regarding the disputed debt. This ongoing communication is not only in direct violation of the FDCPA but is also causing significant distress. 

I am deeply concerned about these violations of my rights as a consumer, as outlined in the FDCPA. I respectfully request that the CFPB investigate these violations and take appropriate actions against the debt collection agency, Schwartz , Schwartz & Associates, to ensure they comply with federal laws and cease their unlawful collection attempts. 

Enclosed, please find the supporting documentation related to my complaint, including copies of my dispute letter, the cease and desist letter, and any correspondence from the debt collection agency that demonstrates the violations I have described. 

I appreciate your prompt attention to this matter and your efforts to safeguard consumer rights. Please feel free to contact me if you require any further information or clarification regarding this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief