vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My identity was stole and account was hacked didnt have access to my funds to pay any of my bill I notified XXXX XXXX and they still reported my payment late to the credit bureau after I explained I was a victim of identity theft back in XXXX of 2022

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 2023-11-12 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: IL

Complaint narrative:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Bankruptcy XXXX XXXXXXXX, 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 1681 c. ( 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 2023-11-12 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: CA

Complaint narrative:
I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) XXXX XXXX Account XXXX XXXX ( a ) ( 1 ) ( a ) XXXX is reporting duplicate account entries. 1575 1681s2. Responsibilities of furnishers of information to consumer reporting agencies

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 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
On XX/XX/XXXX, I reached out to HSBC US due to concerns about widespread account closures. I was assured by your representative, that my accounts ( a XXXX checking and a XXXX savings account, ending in XXXX ) were in good standing and there were no indications of them being subject to closure. 

Despite this assurance, I was shocked to discover that my accounts have been closed without any prior notice or explanation. This abrupt action by HSBC US has severely impacted me, as I recently attempted to transfer {$2000.00} to my Interactive Brokers account, only to find out that the transaction failed due to the closure of my HSBC account ending in XXXX. 

I am extremely concerned about the whereabouts and safety of my {$2000.00}, and I demand an immediate and detailed explanation for the following : 1. Why were my accounts closed without any prior notification, especially after receiving assurance of their good standing? 
2. What is the current status of my failed transaction of {$2000.00}, and how will HSBC USA ensure its safe return to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX issued an Assignment of Mortgage in error, but they claim they can not issue the correction because they sold the Servicing Rights to SPS. XXXX XXXX XXXX XXXX has called Select Portfolio Servicing several times XXXX and XXXX, we sent documents and, XXXX XXXX XXXXXXXX XXXX sent documents, acknowledging they were not the Noteholder or Investor, and that our Noteholder was XXXX, and XXXX acknowledge there is NO LIEN. SPS still refuses to issue the Correction of Assignment of Mortgage, There is No Assignment of Mortgage, there is No Mortgages, and No Liens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: PA

Complaint narrative:
I made my first student loan payment after the pause days before the due date and was on the SAVE plan per their site. I was placed on administrative forbearance and saw my due date is now XX/XX/2024. Any payments I made continue to accrued interest which they should not per the SAVE plan. Also should not gain interest per their website description of administrative forbearance but Im still gaining it When I tried to pay down the interest - usually they apply the money to interest first and then principal but instead they applied it to principal first, again causing my interest to increase Their live chat is just a chat bot that links you to FAQarticles on their site- it is not a live agent and is misleading I have emailed them and made a complaint only to be told they are not responding to emails at this time. I have tried calling repeatedly during the week on my days off only to sit on hold for hours at a time and never reach anyone. They have turned off messages on XXXX as well. So right now, unless a miracle happens, - theres no way for me to actually talk to anyone about getting off forbearance, my interest forgiven because Im on the SAVE plan, and actually make my payments on the plan, instead of them racking up compounded interest. And there is no communication from nelnet as to why this is happening to not just me, but many loan holders ( just search nelnet on XXXX XXXX to get a good idea )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
XXXX XXXX and CROSS COUNTRY MORTGAGE are complicit in another fraudulent mortgage lending error. 

I was never provided anything close to a HUD-1 document at my closing. 

There has been absolutely no communication from this lender or XXXX XXXX  office. 

They are in serious violation of regulation set in place specifically designed by the CFPB. 

Please reprimand this felonious activity immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: OPORTUN FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have authorizes my fiancee to speak on my behalf several times. I lost my job because I kept having to be interrupted at work to verify that they can speak with her. So now that I have no income they called me on a Sunday Morning before XXXX. When I asked what company the woman just gave me her name again and I advised her that I asked for the company name she finally said oh opertun.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: OH

Complaint narrative:
An account was closed with PNC bank. Banker closed account and even went as far as to issue me a check for remainder in account. Several weeks I was told I owed them XXXX dollars for something they believed to have come out of the account within XXXX of all agreeing it was closed, I PAID the amount they said was owed ( begrudgingly ) I was told that was it... Since then I have received calls, letters, and more calls regarding the fact I am late on payments to this " debt ''. Each time on a recorded line it has been researched and found that YES DEBT IS PAID and closed with a thank you XXXX XXXXXXXX thank you and we are sorry for the call and this wont happen again. And then a few days later it starts all over. I pay my bills and am up to the point of seeking legal retribution for the harassment and mental anguish this has caused. This matter has gone thru many channels at PNC and still this continues. If a banking institution has this lax of bookkeeping and even after several people thru phone and in person, I personally glad I have moved my banking elsewhere. 
I am tired of the Harassment and possible harm to my credit caused by PNC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: CA

Complaint narrative:
I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) XXXX XXXX Account XXXX XXXXXXXX ( a ) ( 1 ) ( a ) XXXX is reporting duplicate account entries. 1575 1681s2. Responsibilities of furnishers of information to consumer reporting agencies

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have XXXX credit inquiries on my credit report which I did not authorize. Upon trying to get it removed by the credit bureau they informed me that the only way to get it removed is by filing a consumer 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 2023-11-12 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: CLGF Holdco 1, LLC
State: TN

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plans as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under usc 1681. I told XXXX, Transunion and XXXX to reinvestigate these accounts name and number is : 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. However ; they stated everything was complete and accurate but how is that possible if the open account dates, date of last activity and much more is incorrect, usc 1681 : ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 usc 1681 section 602 states I have the right to privacy,15 usc 1681 sec,604 a, Section 2 : it also state a comsumer agency can not furnished an account with out my written instructions. 15 usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has responible cause to believe that the information is inaccurate. I am not liable for this debt, with these account. I do not have a contract with these accounts, They did not provide me with the original contract as I requested.

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 2023-11-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently received a full credit report analysis from XXXX and noticed accounts that were supposed to be removed months ago, along with a new one from XXXX. The accounts listed, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine and appear to be related to identity theft. I kindly request the immediate removal of these fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 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: MI

Complaint narrative:
I recently received a full credit report analysis from XXXX and noticed accounts that were supposed to be removed months ago, along with a new one from XXXX. The accounts listed, including XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine and appear to be related to identity theft. I kindly request the immediate removal of these fraudulent accounts 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 explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I asked Comenity Bank XXXX XXXX XXXX XXXX for an explanation as to why when I paid the entire balance in full every month was I also being assessed interest fees. They said because the 12 month interest free account had rolling dates that required different payment dates which was shown in a separate section of the bill in small detail. However, when you add those amounts up- which I did every month- they added up to the full interest free amount I paid by the due date. In the fine print in a separate section of the bill it says that amount had to be paid by XX/XX/23 which was a month PRIOR to receiving the statement. The bill closing was XX/XX/23 - after the date in fine print- and the bill due date to avoid any interest fees was XX/XX/23 which I honored. Then in XXXX I paid the entire remaining balance to {$0.00} before the due date and received a bill for {$41.00} for interest due. So, on those three months statements ( XXXX, XXXX, XXXX ) despite paying the full amount required to avoid interest in advance of the payment due date on the statement I was charged interest of {$72.00} ( XXXX ), {$61.00} ( XXXX ) and {$41.00} ( XXXX ) for a total of {$170.00}. I asked XXXX the Comenity Bank service rep to refund these charges since I had paid the amount needed to avoid interest in full each month prior to bill due date. She declined because the fine print in the separate section of the bill said I would have had to make those payments BEFORE I ever received the bill. How would I do that? I believe this interest fee practice is at best misleading and at worst fraudulent. I believe it is designed to take advantage of consumers who believe they have paid their bills in full ( to receive interest free credit as promoted ) in order for the bank to generate additional bank revenue when in fact there has been no added expense or purchases. My request is for a full refund of the {$170.00} since I paid my bills in full or ahead of time every month upon receipt of my statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I initiated an international transfer of {$500.00} but that was not delivered. It has been six long years of them keeping my money! I received a letter from Ria asking me to complete a form and a copy of my drivers license in order to receive the funds back. I sent all the documents on XX/XX/XXXX, but I have received absolutely no response despite numerous phone calls and follow up emails. Even the phone number on the form is deceptively wrong, and nobody picks up. They are deceptive and contantly lie because they do not call back as promised, and they do not honor their commitments. ( Ria Transfer Order # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: Early Warning Services, LLC
State: GA

Complaint narrative:
The numerous unauthorized inquiries that are shown on my file are concerning. Recently, I attempted to acquire a checking account at the nearby XXXX XXXX XXXX XXXX branch. I was surprised to see that the bank had refused my application because of an inaccurate Early Warnings report. I'd appreciate a prompt answer, and I ask that you dispute and update my credit record with all of the fraudulent inquiries deleted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
i just went to experian website and uploaded dociments again to them about the inquiries and the collection along wth the complaint report i filed with you

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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