vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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:
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. 

XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX  XXXX : # XXXX, 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 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 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 explanation
Consumer complaint received 2023-09-12 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: NC

Complaint narrative:
XXXX, Experian, and XXXX all claim they verified my backruptcy from the courts and the court stated that they don't verify bankruptcies to the credit bureaus.

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 2023-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
My identity was stolen, and a account with FNB Omaha was opened without my knowledge.

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 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Hello, I had a Credit card with OLLO which merged with ALLY. I paid my bill the same as always and they lost my payment. Customer service told me it was my fault and I must not have made the payment on time. They charge me interest and a late fee, I speak with supervisor and told them the payment was made. They say nothing they can do. Then my payment ends up showing up so I call and ask what happened and they say the payment was made on time so they reverse the interest and late fees. At this point I tell the supervisor on a 3rd time having to call and sit on hold that I want to close my account. They lost my payment blamed it on me and then charged me a late fee. There never was an apology or anyone admitting they screwed up so I was fed up and closed the account. I still had {$210.00} in my rewards. I spoke with customer service in early XXXX and let them know i would pay the balance except for {$210.00} that the rewards I earned would cover. The person I spoke to said it would be applied to the balance on the next billing cycle ( XX/XX/XXXX ) that came and they never applied my rewards so I called again end of XXXX and spoke with supervisor XXXX who said she would open a ticket and they would call me and the rewards would be applied by XXXX. That date came and the rewards still were not applied so I called again yesterday and spoke with supervisor XXXX ( XXXX ) who told me the same thing and that she does not have the authority to apply my rewards to my balance. I asked for a manager and was told none were available. I'm filing this complaint because ALLY CC does not want to give me the rewards I have earned and now they are telling me the balance is due XX/XX/XXXX but I have that balance in my account in rewards which they are refusing to apply to my account because I closed it. All I want is the rewards I earned applied to my balance or a check for the rewards mailed to me, can you please help me with this matter because ALLY CC is refusing to connect me with anyone that has any authority or knowledge to get me my rewards. Thanks

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 2023-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: FL

Complaint narrative:
Received a letter stating they needed to get into contact about my late grandmother 's account. They refused to identify any debts and harassed my family members in an attempt to collect money from someone who has been dead for over 2 yrs. My grandmother was XXXX and had nothing in her name, no estate to collect from, and this was explained repeatedly to the person identified as " XXXX or XXXX. '' They could not or would not identify which companies if any were attempting to collect a debt and would not listen to any requests for more info. These people are scam artists trying to harass surviving members into paying debts which do not belong to them. I hope they get sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
For the past XXXX months I have been sick and unable to get anywhere with SPS on the following issues : Why did they withdraw my application for assistance? 
Why did they construct a repayment plan that I can not afford? 
Why don't SPS try to help me instead of offering a resolution? 
Why do they keep saying that I am ineligible for assistance? 
Why did SPS ignore our serious health issues, I wrote a hardship letter, and they simply ignored the facts regarding our health. 
Why does SPS ignore providing me with XXXX  assistance, I was diagnosed with XXXX, and this has impacted my life both mentally financially and emotionally. 
Why does SPS continue to place stress on me? 
Why does SPS want our home when we are sick, almost XXXX XXXX XXXX? 
Why does SPS want to foreclosure and take our home. 
These are serious concerns that your response never addressed or even came close in offering a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: Oklahoma Student Loan Authority
State: AR

Complaint narrative:
My complaint is about how my account was handled during Covid. In the month of XXXX XXXX, because my mail from them was being returned, due to me being homeless because I lost my Job during covid and had limited resources they uninsured my loan and now I can't get my loan on an income driven plan and have my loan figured on my income and family size. I can only do a standard payment that is so high it would put me back into a homeless status again. I can not believe a company would not want to help someone that tried my best to keep up with my loans. Especially because the only reason it went into un insure status because of mail being returned., you would think now they could reverse it just as they put it in that status. I am just blown away because I am trying my best to get this account resolved but I'm always hitting a brick wall.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Related to COMPLAINT ID : XXXX The company 's response was again - IRRELEVANT, because it does not address the security issue. It does not adress the issue of insecure user agreement that the company requires everyone to accept without warning how insecure it is, and the possible financial damage to individual that it carries. Even though response is irrelevant, it is further uses future date for me providing account " On XX/XX/2026 ''. This response further shows how insecure the company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I DO NOT ACKNOWLEDGE THESE INQUIRIES 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

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 2023-09-12 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it 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 2023-09-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I paid of another members loan that he had with usaa via 3-way call was authorized by owner and lien holder to be sent to my address and was given a power of attorney from the Nevada dmv and noterized at XXXX XXXX  for transferring the title into my name I have not received the title and its been approximately 2 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: MT

Complaint narrative:
Westlake Financial Services has called me XXXX times from XXXX XXXX XX/XX/XXXX, usually up to 3 times daily. On XX/XX/XXXX, XXXX called XXXX times in XXXX XXXX hours : the first call at XXXX XXXX, the XXXX  at XXXX XXXX., then again at XXXX XXXX, and again at XXXXXXXX XXXX 
XXXX XXXX a.m., XXXX a.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX p.m. That is XXXX times in XXXX DAY!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, again another XXXX times a day. 
XX/XX/XXXX : XXXX a.m., XXXX a.m., XXXX a.m., XXXX p.m., XXXX p.m., a total of XXXX calls. 
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 This brings the total number of calls in the half of XXXX to XXXX calls, which ONLY includes the calls labeled as XXXX XXXX. As there have already been XXXX calls made this month, I expect a harassing amount of calls for the remainder of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I made my payments on time at the beginning of each month. They credited my payment for XXXX with the payment for XXXX all in the same month. In other words they credited both payments twice for the same month. when I inquiredabout this ; they said it was because the finance the payments was in the same period, They then charged me a late fee, and sais I still need to make another payment in XXXX even though I had made a payment XXXX XXXX. So now I have to make another payment before XXXX XXXX. I never knew anything about cycle or period, I thought that if you made the poayment with a check or money order dated the XXXX XXXX XXXX XXXX it would be applied to that month as payment for that month and not applied to the previous month. I feel that this is just a gimmick to get an extra payment and a late fee that should not apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: NY

Complaint narrative:
XX/XX/2023, I went to a car shop in nj to look at a car XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had told me I can get a loan better than the one my bank has given me I told them no Im okay, he asked again I said I dont want anymore hard pulls on my credit he them told me thats this wouldnt be a hard pull it would be a soft pull, he lied and XXXX XXXX made another hard pull on my credit after I just gotten my credit pulled by my bank and had a loan already

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 2023-09-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There is information on my consumer report that is a result in identity theft. I did not provide written permission it instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer. 
Please remove the listed accounts due to identity theft 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 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

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 2023-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: EQUITY LOANS LLC
State: FL

Complaint narrative:
EPM mortgages has intentionally made every effort to sabotage my ability to refinance my mortgage with another lender and due to EPM actions it has force me into applying with them for an request for 6 months forbearance. ( Submitted XX/XX/2023 ). 

In fact, I've filled several prior complaints against the company ( EPM ) with the cfpb and since each submissions for unlawful financial practices, each time EPM has responded with weak comments of their assistance process that is never rendered.

This company has conducted falsely delaying practices.

And due to my complaints to cfpb against EPM in retaliation they contacted me today XX/XX/2023, by EPM 's rep. advising me that my assistance was denied!

It's more than evident that EPM wasn't and never were in the business of providing any assistance to their customers. 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 2023-09-12 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I recently sent for a copy of my credit report and found an erroneous charge on my credit report. It claims that I owe XXXX XXXX  ; amount - {$390.00} ; of XXXX unpaid ; Date of XXXX Delinquency XX/XX/2022 ; Individual account # - XXXX ; Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX. 

The collection company 's name is XXXX XXXX XXXX XXXX I called the XXXX number and they gave me this number XXXX, and they hung up on me. 

I also called XXXX and they verified that this account does not belong to me but because they couldn't figure out who it belonged to, they wouldn't file a fraud alert, so I have to go into their website and file a fraud alert myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XXXX I initiated a wire transfer through a branch of 5/3 bank to an account I own XXXX  where I currently work. I confirmed the transfer and it was approved by the fraud team and the money left my account. I called in on XX/XX/12 to get the details of the transaction as I didnt receive confirmation details. The first two agents, whom were located in an XXXX call center, didnt have access to provide me details and told me to visit a local branch. They also both released the call. I was told that the call center agents dont call back customers when the connection drops on their end, a frequent occurrence in the XXXX  XXXX 

I called in and spoke to a third representative who I immediately asked to speak to a supervisor. This supervisor transferred me to the wire department, who told me they didnt handle personal accounts and would transfer me to someone who did. I asked that they confirm the person I spoke with would be able to provide me the requested information and they assured me they would. Instead they cold transferred the call back to a general inquiry rep who couldnt see the information I needed. 

I am now speaking to my 5th person who cant provide me the needed information. She too released the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America owes me XXXX it's been over a year since I reported the frauded amount on my account.they returned my claim not funded because of atm withdrawals.when there should be no atm withdrawals in my claim.because I withdrew the money at the atm.so logically there should be no atm withdrawals in my claim.they owe me XXXX and don't want to pay it.

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 2023-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Ive payed my mortgage on XX/XX/XXXX in the amount of {$2600.00} which brought me current to XXXX, on the XXXX of XXXX a payment of {$2600.00} was applied to the account which should have brought me current to XXXX then on the XXXX of XXXX a payment of XXXX was made which should have brought me current to XXXX however theyre saying they dont see this payment even though it has cleared on my end.

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