vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX I am deeply disturbed by how XXXX XXXX, Experian, and XXXX have violated my rights and continue to do so without care. Who is going to govern them? 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my 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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have two address on my credit report one in a state I never lived in and one address i never lived at in Florida. I filed a dispute with the Experian Credit Bureau. Experian said the addresses was valid. I asked them to validate this inaccurate information I was told the credit company reported that information so its valid. I told them i didn't even know what the the debt is and nor have I ever lived at the two address. 

I have never visited nor lived in New York. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX I have never lived at XXXX XXXX XXXX XXXX, FL XXXX They Are also reporting different variations of my name and i asked them to correct that as well/

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 2023-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
Ever since UAS Connect has switched over from previously being UAS echo I have had issues with my payments being processed. I have tried the autopay option with them and even though they withdraw the payment on their requested date, the payment doesn't " process '' until after the due date, even though payment was submitted and received prior to the due date. When I do this process manually, rather than through autopay, I am left with the same result. Whether submit my payment days in advance or day of, I am still charged a late fee and penalties. Also on XX/XX/XXXX of XXXX  I submitted a request for a reduced payment plan and subsequently filled out all necessary forms and returned them to UAS. To this day they deny receiving that form event though I have the proof of it in my inbox. When I try to resolve these issues I am left on hold with no eventual response. They are stonewalling anybody who tries to get any answers or solve any issues. I have looked online and I am not the only individual having payment issues with this company. I do believe that they have malicious intent and do not stand to serve their customers. Any and all help is very much appreciated! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
This company, i.e., JEFFERSON CAPITAL SYSTEMS LLC ; Dept. # XXXX ; XXXX XXXX XXXX ; XXXX, AL XXXX been harassing myself about a XXXX XXXX bill from year 2012 that was created by being a victim of identity theft. 

I have contacted them on three occasions mainly via phone to disease and desist from attempting to collect a debt that they do not have any legal standing to collect. I warned them they are in violation of Regulations E ; and Z of the Federal Code of Regulations ; also federal statute under Title 15, USCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$550.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, I made a cash and check combined deposit in a Wells Fargo branch. I made a total deposit of {$940.00}, at XXXX XXXX. At XXXX XXXX  the same day, a deposit of {$3300.00} was made into the same account. I did not make this deposit. The same day ( time stamp missing ), a withdrawal of {$400.00} was made from my Savings account. I also did not make this withdrawal. 

On XX/XX/XXXX, I contacted Wells Fargo Fraud Department. I lodged a complaint about both the deposit of {$3300.00} and the withdrawal of {$400.00} as being unauthorized. The representative I spoke with told me this was a common scam. I received a letter that my complaint of {$3300.00} had been corrected, and this was corrected on XX/XX/XXXX. On XX/XX/XXXX, I noticed that the {$400.00} withdrawal had not been corrected. I called the Fraud Department again and was told that investigators found that there was no reason to believe that that was a fraudulent transaction. I requested the case be reopened, and was told that someone from Wells Fargo would contact me within two business days. Today, XX/XX/XXXX, I checked my online account and had no claims activated, nor has anyone from Wells Fargo reached out to me.

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 monetary relief
Consumer complaint received 2023-04-26 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: TX

Complaint narrative:
iN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681.

THEY HAVE ALL VIOLATED MY RIGHTS 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 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years. 

1 5 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 have reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681S- 1681C. ( A ) CREDIT REPORTING AGENCY TRANSUNION

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 2023-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony XXXX card whirlpooling my credit score. Missed payment in 2021, they negatively reported to credit. Fine. Then lowered limit from XXXX to XXXX ( original balance was XXXX, paid down to XXXX when this happened ) bc of lower credit score. Which then lowered my score again for having too high balance vs. limit. The new lowered credit score was then used to justify closing my account ( with no notice to me ). I have a balance of {$1500.00} today, called to up limit for new a/c and found out closed. Was told to reapply, fine. Reapplied and was rejected for low credit score and balance too high vs limit ( which they caused ). THEN, lowered my credit score AGAIN for reapplying.

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC
State: ID

Complaint narrative:
On XX/XX/XXXX, I filed a dispute claim with my bank, T-Mobile MONEY ( " Accounts provided by Customer Bank '' | " Powered by XXXX '' XXXX XXXX, XXXX ) . It has now been ~240 days since the dispute has been filed and yet the bank has yet to provide a resolution. 

I tried calling them to attain a resolution, yet this has not been possible. My debit card is a MasterCard. [ If they filed it correctly ] it's Reason Code : XXXX ( Goods or Services Not Provided ) .XXXX XXXX representatives, " XXXX '' and " XXXX '', of the disputes department have openly admitted, on my most recent, recorded, call ( today, XX/XX/XXXX ) that they have broken MasterCard 's policy by not providing resolution within 180 days. Also, they mentioned that the XXXX, XXXX, has not responded to them at all. Furthermore, if I am understanding the law correctly, the " Fair Credit Billing Act of 1974 '' stipulates that they have 90 days to provide a resolution, which has NOT happened. 

The status of my dispute claim has not changed since the day I opened it. Every few weeks I get the same copy+pasted email that states, " ... We wanted to provide you with an update and assure you that we are actively processing your claim. We are waiting on information from the merchant. Once we have an update, we will contact you. '' The reason for this dispute is that I made a purchase with a merchant and did not receive what I purchased. ( MasterCard Reason Code : XXXX ( Goods or Services Not Provided ) ) - Claim Filing Date : XX/XX/XXXX - Claim Number : # XXXX - Amount : {$410.00} - Date of Transaction : XX/XX/XXXX Please help me with getting my money back! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been of zero help ; based upon the information I have, including the info provided by the bank it is my belief that they have negligently failed to handle this claim per both the law & MasterCard 's policies. Most importantly, I need my money back, but also would like to pursue whatever damages possible, based upon the negligence of this institution. 

Thank 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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing in regard to my personal credit information being shared on my consumer report. Pursuant to federal law 15 U.S.C. 1681a and 1666b, there is certain information being shared on my consumer report that I would like to cease immediately. This includes transaction and payment history information that is explicitly excluded from being shared.

As you may be aware, under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) are required to follow certain procedures in order to ensure the accuracy and fair reflection of the information in their reports. These procedures include but are not limited to, the requirement that the CRA must limit and remove any information that is exempt ( i.e. illegal ) from being shared as stated in their own laws. 

The accounts that are legally exempt from being shared are : XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX I would like to request that you immediately take action to remove this credit information from my consumer report, as required by federal law. Additionally, I request that you take appropriate steps to ensure that this does not happen again in the future. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, 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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
They locked my account for no reason. I have money coming into this account XX/XX/2023 that I need to access to pay my rent for my children and I. They are rude constantly hanging up in my face saying if I dont know the safe word they cant help me. I provided the number I have on my account but they said they can not use it. I ask them can they verify me with my social, birthday, debit card and state I.D information they told me no. So what now? I will have to get a lawyer because they are stealing my money! I am not the only person. That is going through this. Check XXXX you will see hundreds to thousands of others saying the same thing. I will be homeless with my children because of this!

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 2023-04-26 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: DISCOVER BANK
State: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C 1681 SECTION 602 SAYS, " 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 ''. UNDER 15 U.S.C 1666B " A CREDITOR MY NOT TREAT PAYMENT IN A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. PRIVACY VIOLATION,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: NV

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Deposits not available for use and account restrictions due to banks fraudulent activity. Card not in use and funds not available. Here is proof of deposits

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 monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
I am enrolled in XXXX and my application has been accepted. I am a widow living on social security with two mortgages that take most of my income per month. Now, I am fortunate that the Fund is considering payment on my two mortgages that are past due. 
I have had an active application and communication with XXXX since XXXX, XXXX, XXXX. XXXX  each of my lenders, Mr Cooper and XXXX XXXX XXXX XXXX inquiries on XX/XX/XXXX through the portal to validate and move forward with payment of these overdue mortgages. Neither lender is being cooperative to the Fund or to my many requests, via phone or messages that we have sent from that date. 
Both lenders have not verified the inquiries sent to them. I have personal notes of many phone calls to Mr Cooper from the past weeks I talked with XXXX  assistants, XXXX and XXXX, on many occasions and they confirmed that Mr. Cooper has not responded to the inquiry XX/XX/XXXX, XX/XX/XXXX. Also, I have spent hours talking to more than 6 different mortgage agents,XXXX, XX/XX/XXXX two times, XX/XX/XXXX, at Mr Cooper. They all indicate the inquiry was made to Mr. Cooper and it was verified according to their records. On the suggestion of XXXX, at XXXX, I sent a follow up email to XXXX on XX/XX/XXXX requesting information about their responses to XXXX  requests. And after all this time a stalemate of inaction continues and my Mr Cooper mortgage remains unpaid. 
XXXX contacted the XXXX in early XXXX. At the XXXX I have tried to reach a person XX/XX/XXXX. I was on the phone for 82 minutes never reaching the right department or a person who could talk to me. I was being redirected to different persons.who can tell me the status at XXXX of the inquiry and response. The final contact there was unavailable, left a message, never called me back. Called XX/XX/XXXX again at XXXX til XXXX when XXXX gave me the same person to contact from XX/XX/XXXX who still did not call me back. No one from XXXX has contacted me or XXXX to this point. 
XXXX has the funds, I am told by the assistants, to be disbursed but my lenders are uncooperative, unresponsive and unavailable to me and XXXX. I am asking the CFPB to intercede on my behalf and have my banks, who I have paid thousands of mortgage payments over the years, to due diligence when I, their client, has pertinent and timely requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: GA

Complaint narrative:
Mandarich law group, gave a false statement as to how the case and where the case was resolved. Plus left out how they pulled my credit illegally. Without my authorization or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: CBC Companies, Inc.
State: MO

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my XXXX XXXX XXXX XXXX report on XX/XX/XXXX & XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with FACTUAL DATA, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation