vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lamont, Hanley & Associates, Inc.
State: RI

Complaint narrative:
Received Letter dated XX/XX/XXXX from LAMONT , HANLEY & ASSOCIATES a debt collector for an alleged debt of {$230.00}. Original creditor is XXXX XXXX. First and foremost, this is a violation of XXXX and disclosure of my XXXX. Also, its a violation of my privacy per the Privacy Act of XXXX. Which was violated once XXXX XXXX shared any of my personal information with XXXX. Nor is there a contract between myself and LAMONT , HANLEY & ASSOCIATES. There are also other violations of Title 15 listed below : 1692b ( 2 ) False representation. All caps name, stating consumer owes debt ; 1692b ( 5 ) Using a symbol on any correspondence ; 1692c ( a ) Communication without prior consent ; 1692c ( b ) Communication w/ 3rd parties ; 1692d Harass and oppressive use of XXXX  about alleged debt ; 1692d ( 2 ) Obscene/profane language accusing me of owing an alleged debt ; 1692e Using false, deceptive or misleading representations ; 1692e ( 2 ) ( A ) False Representation ; 1692e ( 10 ) False deceptive means to collect a debt ; Each of these violations carry {$1000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My ex-husband, when we were separated, used my information to obtain credit cards and use some of my long standing cards. This continued for several months after the divorce was finalized before I realized what was happening. 

I have disputed these charges with the credit card companies, but they refuse to remove them from my credit profile and have allowed debt collectors to purchase some of the debt. 

I need these derogatory accounts removed from my credit profile and association with my name. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Returned a single item to XXXX XXXX XXXX XXXX for a {$410.00} credit to my XXXX debit bank card ( tied to my checking account ) from which the item was originally purchased. 

Debit Card was denied refund to receive a debit card " refund '' by XXXX XXXX Materials, so XXXX issued by way of same card a " credit refund '' to this same XXXX debit bank card tied to my checking account. 

This REFUND transaction was on XX/XX/23 ( Thursday ). On Friday I phoned bank and ask why the refund was being held up " in a PENDING '' status. Bank said because Merchant was holding fund- which was NOT true. Merchant paid on XX/XX/23 ( Thurs ). 

Merchant funds were released Thursday XX/XX/23 probably to XXXX. 

I believe XXXX alone and/or my Bank are holding funds. I called XXXX XX/XX/23 ( Monday, day XXXX holding my money ) and no XXXX agent exists to help and XXXX routes my call to my bank and bank says its been released from Merchant ( XXXX ) but can not release Pending status until they receive funds. XXXX is holding or not releasing funds and bank knows it and protects XXXX with their agents being gatekeeper. That agreement needs to change its a circus. Bank needs to provide my money since merchant was deducted on original transaction day XXXX days prior, XX/XX/23. XXXX is untouchable and protected by bank agents. XXXX agents have no control over this transaction they say and transfer you to your banking institition.

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 2023-01-09 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX ( Barclays Bank ) 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 an account without my written instructions.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have a XXXX Bank credit card that is reporting my account is XXXX days late on the XXXX credit bureaus on XX/XX/XXXX. I have proof of a cashed check for {$300.00} on XX/XX/XXXX. XXXX. XXXX Bank has thru caused my credit score to drop over XXXX points due to their error. I have requested this matter to be properly updated and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I received a letter from MOHELA telling me that I am not eligible to qualify for the student loan forgiveness. They don't answer phone calls! No way to communicate with them. 

They stated that I have only 2 qualified PLSF Qualifying payments ( Public Service Loan Forgiveness Program ). They say I don't qualify XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 15 years! ( Florida ) XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/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 XXXXXX/XX/XXXX ) PLEASE HELP!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Please remove my personal information ), you can leave my name only.

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 2023-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I received a credit alert about an inquiry on my credit report on XX/XX/XXXX. Additionally, I received a call from FNB Omaha Fraud department inquiring about a new account. 
When I called in, I was told someone opened an account at a XXXXXXXX XXXX XXXX XXXX with my information on XX/XX/XXXX. Name and address matched. Phone number and mother 's maiden name did NOT match. 
XXXX charges were made to the account same day - one inside XXXX 's and XXXX at XXXX XXXX 
FNB Omaha has already marked the charges as fraudulent and started an investigation, as well as closing the account and setting a Password on it. 
I was not given the exact amounts of the XXXX transactions. 
I am concerned as I was told that opening an account IN STORE requires an ID, not just my information.

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 2023-01-09 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: AL

Complaint narrative:
I received my reinvestigation back from you Transunion File number You said everything is verified as 100 % accurate and updatedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached proof that there are discrepancies listed for each account. 100 % accurate means each aspect of the reporting contain no errors. So the close date should be the same. This documentaion shows the account numbers, open date, and balance are all the same, which means they are all the same account. However, Transunion is reporting the closed date as XX/XX/2017. XXXX reports the close date as XX/XX/2017. I have doubts and concerns that the alleged reporting of Transunion is not correct.

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 2023-01-09 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:
I have been reporting identify theft and incorrect reporting for the past 5 years, and Experian refuses to properly investigate, inform me of their investigation and/or remove/block these accounts from my credit profile. Even when I have provided them with my correct identifiers and police reports, FTC reports and have submitted previous CFPB complaints to prove identity theft. Only Experian refuses to remove these 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 2023-01-09 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: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is incorrectly assigning a collection that does not below to me. As per previous complaint # XXXX they themselves identify the actual owner of the account XXXX XXXX XXXX XXXX XXXX. 
I request Meridian Financial correct this error and restore my credit profile by removing this collection and updating all credit reporting bureaus of their error. I also request they provide me documentation that this correction has taken place so my filing purpose. 

Attached file shows my father and mother are the owners of the account not I as they claim.

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 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After failing to secure a modification and or mortgage payment assistance due to XXXX, my mortgage went into default. I contacted Bank of America for aid to no avail. I made the painful decision to sell my home to prevent foreclosure. Bank of America repeatedly added fees that increased the amount owed including but not limited to sending parties to look at the house to verify the condition and occupancy status. This party placed stickers on the windows that indicated the house was vacant. I was unaware of this and had a showing. When the sellers saw the stickers they were under the impression that the house was abandoned and was no longer interested in purchasing the property. I immediately contacted the company and was told that is what they were instructed to do by the Bank. I called Bank of America and received no assistance. Bank of America charged me fees on a monthly basis for the visits and a XXXX time fee to hire the company. 

I was finally able to sell the property in XXXX closing on the XXXX for a much lesser amount than I was initially seeking. Bank of America has yet to mail out overage amounts for the escrow account nor the insurance balance. In addition, the mortgage was satisfied on the XXXX but Bank of America did not post until XXXX. They did indicate the payment would be backdated and remitted an email with the date of the XXXX however, the insurance department is showing the XXXX as the payoff. I would like to have the fees back that were assessed that was not indicated in my Note page and the insurance cancellation should be the XXXX, not the XXXX. Bank of America has a habit of taking advantage of their clients and this situation is no different.

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 2023-01-09 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: MI

Complaint narrative:
There are two credit cards taken out through Bank of America on XX/XX/2020. One was for XXXX XXXX and the other was for XXXX XXXXXXXX. I never applied for either one. Ive contacted Bank of America and I am filing a police report with my local police department.

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 2023-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I called Transunion today to remove incorrect information, namely " Inquiries '' from my report, because my consent was not given. I was told they could not remove any inquiries and that I need to get the FTC Report and send it to the bureau with proof of ID. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested on XX/XX/XXXX Pursuant to federal law title 15 usc 1679c I have the right to have inaccurate information 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 non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Seattle Service Bureau, Inc
State: TN

Complaint narrative:
XX/XX/2020 my husband XXXX XXXX had an accident. The insurance had lapsed and the vehicle is registered to both of us. There was a claim with XXXX which resulted in the loss of his drivers license. I had the vehicle parked and wasnt driving it. I wasnt around when the incident occurred. In Tennessee there is a statue of limitations. XXXX didnt come for me but my husband. I spoke with an agent from National Service Bureau. She asked to speak with my husband I let her know that he wasnt available and we dont live together as were going through divorce. She told me that they were going to suspend my drivers license if I didnt pay. She said if I did pay she could send some documents so I can show a gesture of good faith preventing them from suspending my license. This is a debt collection agency and they threatened to do something that legally they cant do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: GA

Complaint narrative:
In XX/XX/2022 a violation notice was sent to XXXX in XXXX, XXXX Their response was something of the fact that I had to fill out their dispute template that has room for XXXX accounts. Problem is there are XXXX accounts their reporting inquiries from that I dont recognize and they never responded with conclusive evidence that I verified and expressed wanting those companies on my XXXX Report. Pure violation of 15 USC 1681. 
Consequently, a much similar letter was also sent to Experian down in XXXX XXXX, AZ and XXXX in XXXX, GA. 
Please find pdfs of the posts below.

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 2023-01-09 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: NV

Complaint narrative:
XXXX unauthorized inquiries on my credit report that I have no knowledge of I dont have any accounts of any kind at all in my name I dont rent anything I dont have any loans but theres all these false reports, names and address I never even herd of

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 2023-01-09 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: MO

Complaint narrative:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: CORELOGIC INC
State: TX

Complaint narrative:
on XX/XX/XXXX I noticed a hard inquiry from credco ( finance ) on my credit reports. I contacted them and they said they will look into it. few months passed by and i didnt hear anything from this company. after doing a research on this company i found out ( on XXXX XXXX ) that this company have been running people credit without their consent. I contacted them again on XX/XX/XXXX. and they are still not willing to fix it. i see a hard inquiry on my credit report. I am a victim on identity theft.

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 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
as of XX/XX/XXXX the Collection Agency called XXXX XXXX XXXX XXXX XXXX agents of XXXX XXXX XXXX XXXX Case Number XXXX their phone number is XXXX ref. no. # XXXX XXXX, Doughty & Veldhuis have refused to update the current status of my credit to indicate that since XX/XX/XXXX that I have been making payments on this debt which is currently at {$2500.00} to the Credit Bureau that Payments have been made! It still this date XX/XX/XXXX registered as being late, late, late and late. XXXX stated its not their problem that its not being updated properly to the credit burerau. Yet they are the agent for XXXX XXXX collecting debt for XXXX XXXX yet they refuse to update that payments are being made and the debt is being reduced, yet they refuse to properly update the current status of the account and its reported as still being negative, late, late. 
please can you fix this problem. 
thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This is my first dispute regarding Santander. Santander is reporting an unlawful repossession on my consumer reports. I sent a request for all the documents they have in their possession pertaining to this unlawful reporting. I was not provided everything. I did not receive the Commercially Reasonable Manner of the Transaction letter, I did not receive the XXXX disclosures that all financial institutions and XXXXne of this is the disclosure of institution privacy policy. According to 15USC 6802 a financial institution may not disclose nonpublic information to nonaffiliated third parties and i did not sign anything and it wasnt provided with the documents santander sent. Santander has repeatedly violated the FCRA and my consumer rights and now I am demaning this unlawful repossession be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello. I have been informed that the credit reporting agencies are reporting theres a balance On XXXX XXXX XXXX XXXX that was discharged in my bankruptcy and also I have been released the car and all responsibility to this loan and car. 
They are reporting a balance and inaccuracies on this. 

I have attached proof and Bankruptcy documents that show it was added in my XXXX  XXXX as well as discharged.

Company response to consumer: Closed with explanation