vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX is applying a 14-day hold to ALL of my payments under the pretense of ensuring the transaction clears my bank. This is 100 % a lie. The payments being made are coming out of my checking account directly in one or two days at the most. Additionally, this Credit Card has very POOR English-speaking customer service agents that make discussing this impossible. If I were mailing a check, I would understand. I also pay my balances off immediately as this is my only Credit Card and I rely on its liquidity to use for various reasons. Additionally, Truth In Lending should require Genesis to provide some written estimate of when the payment will be applied. Instead, I have to call a non-English speaking person and ask when. Many times the males tell me this is a service that is not performed. It is only when I speak with a female, my request is provided verbally and the hold is placed at a maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been calling and met with IRS in person. IRS is requesting to send proof of letter saying that " IRS is requesting {$7000.00} to Fifthird Bank. '' As they don't have anyformations, Fifthird is resposible for tracking and getting the information where the money is. 
I need the refund asap and will have to take action on their lack of responsibilities and will have to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
I tried calling the company numerous times, in which, there should be a record of. The company is refusing to close my checking account.

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 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, I wired fund to InComm to purchase multiple prepaid XXXX XXXX credit cards. Each card holds {$2500.00} in value. I kept these cards in my drawer to give to my parents on special occasions in the future. On XX/XX/XXXX, I found out someone used the card information on two of these XXXX cards and purchased items in New York , New Jersey and Pennsylvania area in XX/XX/XXXX. 

On the third card, this criminal spent {$1800.00} in XXXX through XXXX, XXXX, only to leave a balance of {$670.00}. XXXX XXXX card put a hold on the card for some inexplicable reason. I called XXXX XXXX and sent a letter to InComm to request a replacement card for the remaining balance of {$670.00} to my apartment in XXXX XXXX. 

In total, I lost {$6800.00}. First two cards were used to purchase clothing and jewelry items from XXXX in XXXX, XXXX  in XXXX XXXX, and the third card was used at XXXX XXXX in XXXX, NJ, and XXXX  in XXXX XXXX. 

I called these venders, but they all said XXXX XXXX has to call them in order for them to release any information on the purchase details leading to the arrest of the criminals who fraudulently used my cards. I also spoked to a detective in XXXX who advised me to report the loss to XXXX. XXXX gave me the transaction ID numbers on each purchase, but the vendors won't release any information on the items purchased or who purchased these items. 

On XX/XX/XXXX, I reported the loss to XXXX ( Case Number XXXX ), but since the cards were pre-paid gift cards, the case is reported as Grand Theft. 

XXXX XXXX XXXX InComm would not make any effort to contact the venders for the disputed purchases on my behalf. The criminals are out there using other people 's card information to make these purchases, causing significant financial loss, and continue to engage in these crimes without being caught by law enforcement authorities. There are ways to catch these criminals by tracking down purchases, but XXXX XXXX XXXX InComm wouldn't help. There has to be a way to stop these crimes. XXXX XXXX / InComms inability to contact the vendors to obtain information leading to the arrest of these criminals make me and everyone I talked to so far suspect that XXXX XXXX XXXX InComm may be involved in these crimes. Or, someone working at XXXX XXXX XXXX InComm can easily obtain personal / card information to make unauthorized purchases. I cant imagine the magnitude of financial damage that had been caused to many innocent citizens like myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: ME

Complaint narrative:
I have a Discover credit card and they have recently put missed payments on my credit report which are not my fault. I changed banks, updated my payment information in their system, and they never ran the payment when they were supposed to. They continued charging my previous bank despite having the information for my new bank and are trying to hold me accountable for their mistake. They are claiming that I only created a one-time payment with my new banking details and that I never set up automatic payments with my new banking details. This is not true. I never would have left their website without having done that. That's specifically why I went to their website that day. They could have run my payment details at any time. I have escalated through their chat support and through their phone support. They refuse to fix the error on my credit report on the grounds that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: IL

Complaint narrative:
there are 3 credit inquirys on my report i didnt authorize and i havent got a crd from they are XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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:
unauthorized credit inquiry from creditors has been reported by Transunion credit agency

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 2023-02-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX  services account # XXXX, and XXXX XXXX XXXX XXXX  account # XXXX have violated my rights 15 u.s.c 1681 section 602 A States I have a 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 consent 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 the record of convictions of crimes which antedates the report by more than seven years. 15u.s.c. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information reating 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 explanation
Consumer complaint received 2023-02-27 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union ( NFCU ) has informed me that I was denied for a loan due to the fact there was a previous personal loan charge off that was paid in full. However, I have no knowledge of such a personal loan. This personal loan dates back to either XXXX or XXXX. Currently, NFCU utilizes XXXX to view customers credit reports. However, there is no report of such an account on my credit report. Also NFCU has this charged-off account listed on my internal NFCU profile XXXX which is utilized to determine me for future loans with the bank. It has been well over seven ( 7 ) years, and this account is still being utilized to determine my eligibility for future loans with the bank. I have also launched a fraud claim with NFCU, as this is an unknown account to me. The account that is associated with NFCU is for a personal loan in the amount of {$1000.00} dating back to either XXXX or XXXX. 

NFCU has informed me personally that they are maintaining this information within my NFCU profile, due to the fact this information is being obtain from XXXX. The issue I am having is that this information within their internal system from an account that is over XXXX XXXX XXXX and is being pulled from a XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
PHH Mortgages Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX Foreclosure a XXXX A fake bank note and sold my house. 

Case XXXX In the Circuit Court XXXX XXXX XXXX XXXX Oregon For XXXX XXXX of 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 2023-02-27 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed so items reported on my credit report. I noticed the listed debts below on XXXX, XXXX and Experian ). I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. I have made several attempts to send validation of these debt. I have still not received with 30 days of any proof of this debt. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. XXXX XXXX XXXX XXXX {$1600.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXXAccount number XXXX XXXX XXXX XXXX XXXX- {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
My mortgage company failed to pay my windstorm premium out of my escrow account. I contacted them in XXXX of XXXX when I received a letter asking for payment. Loan Depot told me that this was an error and that they would contact the insurance company for the invoice and get it paid. I also emailed Loan Depot the invoice. The premium was never paid so my policy went default. The insurance company called to let me know that I was no longer covered because Loan Depot never sent the payment. I went ahead and paid the premium to the insurance company directly so that my coverage could continue. A couple weeks later, Loan Depot sent the company a check from my escrow so now the policy had been double paid. I again called Loan Depot to complain and they were extremely unhelpful and incompetent. The insurance company sent me a refund for the double payment however Loan Depot is charging me {$370.00} for the policy going default. It was Loan Depot 's fault that the policy went default. They sent the payment 2 months late and caused my policy to be canceled. Loan Depot is now refusing to take responsibility for their error and refund me the {$370.00}. I never got any communication from Loan Depot stating that they could not or would not make the payment. This whole situation is completely Loan Depot 's fault and they owe me a refund of {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: TX

Complaint narrative:
Telerecovery was contacted by certified mail on XX/XX/2022 for a debt validation ( certified letter attached ). I requested the original contract bearing my signature & that I have a contractual obligation to pay Telerecovery, {$150.00}. Telerecovery has reported on my credit bureaus that the account is medical debt. Due to the fact that I have no contractual obligation to pay Telerecovery, Telerecovery should not be in receipt of my medical information. This is a clear violation of HIPPA.

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 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX, I entered a consumer credit transaction with Bridgecrest. XXXX XXXX I came to the site of my car being repossessed in order of the financial institution Bridgecrest. I asked the man taking it to stop, he proceeded in driving as I didnt know who he was. He stopped his vehicle to yell at me, basically breaching my peace. The very day after, I contacted Bridgecrest to be informed that my car was repossessed and charged off as of XX/XX/XXXX. I have made several chances to make it right even before this in XXXX ; I clearly expressed that I have/ had financial hardship and couldnt afford to pay the debt and car maintenance. I further discovered that on top of other violations, Bridgecrest and/or XXXX ( the dealer ) has not ever informed me about my right to rescind. Both parties participated in uniformed use of credit, no adequate notice and violated the law determining my finance charge. I am enforcing my right today with given reasons and notice to Bridgecrest as well. I have also disputed on experian.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had a XXXX account that I used to pay monthly with my XXXX XXXX credit card. I disputed an erroneous charge. I won the dispute. The XXXX XXXX dispute number for the dispute theat I won is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, illegally sent this charge to be collected by XXXX XXXX XXXX who then, without any notification placed it with Transunion as a derogatory account.

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 2023-02-27 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: GA

Complaint narrative:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

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 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed so items reported on my credit report. I noticed the listed debts below on Transunion, XXXX and XXXX ). I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. I have made several attempts to send validation of these debt. I have still not received with 30 days of any proof of this debt. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Transunion XXXX XXXX XXXX {$1600.00} ( XXXX  XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX- {$1600.00} XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a loan with 53rd bank. I worked with XXXX XXXX to refinance the loan. A pay off check was sent to them and processed on XX/XX/XXXX. The balance on XX/XX/XXXX on the account XXXX. The pay off check was for XXXX. Resulting in an overpayment of XXXX. During the time for the refinance to finish, I continued making payments, A payment of XXXX was processed on XX/XX/XXXX, taken out of my XXXX XXXX XXXXXXXX Account. The payment on XXXX was processed after the check cleared. so in total I overpaid the account by XXXX = {$1600.00}. The refund they are sending me is {$750.00}. They have no record of my payment that was made. I have evidence from their website but they continue to deny that a payment was made. They are also charging me approx. XXXX $ in interest for paying the account off. I contacted their CS over 10 times and they have no idea. The last two calls get conveniently cut off before a specialist can give me details. The math doesnt add up at all and they refuse to investigate this problem.

Company response to consumer: Closed with monetary relief