vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
I have 2 collections accounts that are not mine on my XXXX  credit report as well as my XXXX and XXXX credit reports. Someone opened up these accounts in my name without my knowledge or permission. The accounts are XXXX XXXXXXXX {$1900.00} /account number : XXXX Date opened XX/XX/2022 Amsher collection services $ XXXX XXXX Date opened XX/XX/2022 Original creditor 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 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
XXXX is in breach of its obligations under the Fairness in Credit Act, by refusing to disclose the credit information used in its decision to decline a credit card application. I have tried several times to request access to the information used to deny my application, to no avail. XXXX has, by law, 30 days to send me this information, and has failed to do so.

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 2022-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Money was taken out my checking account without my authorization. XXXX bank is refusing to initiate a dispute despite all my efforts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right of privacy.

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

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

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 2022-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CARTER-JONES COLLECTION SERVICE, INC
State: OR

Complaint narrative:
I am submitting this complaint on behalf of my client XXXX XXXX of XXXX XXXX, Oregon. The forgoing selections in " XXXX XXXX '' on your website do not fit and were selected only to advance the complaint process. My apologies. Here is a summary of the pressing problems. 

XXXX XXXX qualified for a 90-95 % financial assistance reduction for his medical bills on 2 applications in XXXX and XXXX. The medical provider is a nonprofit hospital, XXXX XXXX XXXX XXXX. 
His finances remained at approximately the same poverty level range during these years. But the hospital refused to process the reduction from his most recent application to all of his accounts since some were in collection, even though the law allows outside the ordinary application period and contains no collection exclusion. 26 CFR 1.501 ( r ) 1 ( b ) ( 3 ). 

He was sued by Carter Jones Collection Service , Inc. for approximately {$14000.00} in these uninsured medical bills incurred between XXXX and XXXX at a non-profit hospital, XXXX XXXX XXXX XXXX. However, XXXX XXXX from XXXX XXXX testified that XXXX XXXX does not have the agreement required by law with the XXXX XXXX before lawsuits against patients can be filed. See details about the necessary agreement here : 26 CFR 1.501 ( r ) -6 ( c ) ( 10 ). In the absence of this agreement, the lawsuit should never have been filed against XXXX XXXX. The lawsuit is a form of " extraordinary collection action '' ( " XXXX '' ) which is considered an XXXX of the hospital even if pursued by the collection agency. 26 CFR 1.501 ( r ) 6 ( a ) - ( b ). Here XXXX XXXX and XXXX continue to work together to collect these uninsured debts, even though it violates these laws. 

I have recently brought these matters to their attention and pointed out that XXXX XXXX enjoyment of non-profit status is premised upon compliance with these laws. 26 U.S.C. 501 ( c ) ( r ) ( 4 ) - ( 7 ) ; 26 CFR 1.501 ( r ) -6 ( c ) ( 10 ). But they refuse to dismiss the lawsuit despite my client 's requests even though their XXXX agreement with the XXXX allows them to take the accounts back at any time. Recently, XXXX XXXX has also delayed my client 's medical care which is another form of XXXX ( 26 CFR 1.501 ( r ) 6 ( b ) ( 1 ) ( iii ) ) that can not legally be taken under these circumstances. 

XXXX XXXX and XXXX XXXX continue to violate XXXX XXXX 's rights as well as their legal obligations arising out of the fact that these debts were incurred at a non-profit hospital by an uninsured individual who qualifies for financial assistance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: ME

Complaint narrative:
When asked about loan forgiveness for nurses was told that only teachers qualify for forgiveness. When asked about XXXX was disconnected and when I called back I couldnt get through. Request a refund of payments I made since XX/XX/2020. Its been 2 months and it reflects on my loan amount but I dont have the refund yet. Its very difficult to know whats available when they arent forthcoming with information or answers. So frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Received a response from XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX around XX/XX/2022 from a complaint made with the CFPB. The complaint was about the inconsistencies of bill pay and reporting with the company throughout my time having this lease out. 

He admitted to these mistakes and assured that no negative reporting would be made. 

I checked my report and saw that it was a negative mark that has effected me by a 70 point swing. I submitted the dispute with experian and the company disputed and didnt hold up their end of the bargain. 

I have also reached out by phone to XXXX XXXXXXXX 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 2022-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: NC

Complaint narrative:
Sold financed car, payoff check was received by US Bank ( confirmed by XXXX tracking and signature ) on XX/XX/2022. As of XX/XX/2022, the loan payoff check has not been posted to the account, a late fee has been applied, and customer service is unwilling to provide any further information about receipt and processing of the payoff check and unwilling to transfer my call to somebody who can look into the issue. Loan check documentation and tracking information is attached for review.

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 2022-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has dropped my credit score by over 40 points. No negative information added, no collection, all accounts paid and balanced reduced. Claimed dispute filed, no dispute filed.called XXXX XXXX, no record of any dispute all accounts in good standing. No reason why account credit dropped. 
Account was up to date and accurate and suddenly dropped XXXX points right before buying a home, for absolutely no reason. Called all account holders, no issues or concerns, called Transunion told computer did it and they cant do anything to fix or resolve it. 
No reason for decline of credit and its now harming myself and family before home purchase. They refuse and declined to repair or fix this. No other reporting agency shows any negative information or impact. Tried to order and acces own credit report and wont allow me access to my own report. Logs off and wont allow access. Claims I must call to access report. When I call says already accessed report. No negative on report I can view online through XXXX and XXXX XXXX. Credit increased with other agencies. Please investigate this erroneous harmful error.

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 2022-12-12 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: NY

Complaint narrative:
In XXXX and XXXX of 2022, I filed a dispute online with XXXX and Transunion. I stated several times that I did not authorize the inquiries and they insisted that they were mine.

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 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I used chase credit card. My ex who was a scammer scammed me and paid off my card which had a balance of XXXX. He used fake accounts to pay it off. I went and got gift cards on the chase credit card and he paid thos off as well. Chase never told me the payments were denied until i spent XXXX. I had my account set up for alerts and i even called them to make sure the payments were made and from legit accounts and they said yes. A month later they sent me mail saying the payments were reversed. Upon checking records they were canceled 4 days later upon payment. So i dont know why ut took a whole month to notify me. Thank XXXX i didnt get more cards and out myself in more debt but if they had told me when i called that the payments didnt go through i wouldnt have gotten more gift cards. Chase is at fault since they did not notify me even thiugh i have all alerts set and even thought i called them a few days later. Its as is they did it deliberately to get my money. Now im stuck paying off a {$8000.00} bill which was all due to a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-12-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX, Capital One Saks card # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right of privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent a letter to the 3 reporting companies asking them to investigate the bankruptcy that's reporting. ACCORDING TO 15 USC 1681i INVESTIGATION HAS TO BE CONDUCTED WITHIN 30 DAYS WITH THE COMPLETED RESULTS. THEY HAVE YET TO RECORD THE DISPUTED INFORMATION AS WELL, THATS ANOTHER FORM OF VIOLATION.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a letter to the XXXX reporting companies asking them to investigate the XXXX that's reporting. ACCORDING TO 15 USC 1681i INVESTIGATION HAS TO BE CONDUCTED WITHIN 30 DAYS WITH THE COMPLETED RESULTS. THEY HAVE YET TO RECORD THE DISPUTED INFORMATION AS WELL, THATS ANOTHER FORM OF VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I closed my account a few months ago, when it was closed I asked that the secondary bank in the account be closed. Any refunds or deposits should be sent to me in the form of a check to my mailing address. 

My doctors office refunded me {$340.00} to them, they have yet to send me these funds. I have contacted them 3 times, the doctors office contacted them separately but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief