vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have inquiries that showed deleted but are still showing all my account that dont belong and this is XXXX also reporting on equfax that all of them need to be deleted and not showing on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management purchased an old disputed debt from somewhere and started to aggressively try to collect on it. They called on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 with multiple calls through out the day to multiple people. They have started contacting my friends, my next of kin, with multiple call attempts through out the day to them, not just me. They have called from known numbers and from " Anonymous '' phone numbers. They have shared private personal financial information with third party about me, and about this old disputed debt. They have violated privacy laws. 

I have submitted complaint # XXXX and XXXX about this matter, but it seems that CFPB is not for protecting me, it is unacceptable. The main point of contestation is that Midland Credit Management representatives called and discussed my debt and the collection efforts with my next of kin. That complaint got lumped together with the other and there was no action or resolution to my satisfaction. The company responded by providing statements from the original lender. That is not what is the issue at hand. Yes, I have had dealings with the XXXX XXXX clothing store credit card. That is not what I was complaining about. The representative from CFPB sent me those and closed out the case after Midland Credit furnished those to CFPB. What about the infraction of federal laws that prohibit aggressive collections tactics, calling several times through out the day?? What about the prohibition of discussion of the matter with third-parties?? My rights have been violated and the only thing I got from CFPB is that Midland Credit dug up some old statements and sent them to CFPB. That is unacceptable. Yes I have had dealings with that clothing store and their credit card, but I disputed the amount owed with them directly when I returned merchandise to XXXX XXXX, and then disputed the amount owed when I was not given credit for refunds for the merchandise and clothing brought back to the store, that is all irrelevant for the complaint here... I am petitioning that CFPB levy fines for the infractions of violating federal law of privacy and the tactics. My friends and family can and will attest to the fact that Midland Credit representatives called and discussed the matter, back in XXXX when I was avoiding their calls and sending cease-and-desist letters. Their representatives violated my privacy and violated federal laws at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I've received an advertisement from Citibank for a XXXX  Savings account that indicated a bonus of XXXX  XXXX XXXX  XXXX  and 25 % more XXXX  on the credit card that I've already had with Citi if all the terms were met. The terms were to maintain a balance of {$10000.00} for 60 days after the initial deposit period of 30 days, so 90 days totals. The account was opened on XX/XX/22 and the deposit of XXXX has been made to the account as of XX/XX/22. As of XX/XX/22, I still haven't received the XXXX XXXX XXXX  bonus for opening the account. After contacting Citi customer service, I was told that they don't see the promotion under my account ; however, I have been receiving 25 % extra XXXX  on the credit card. There is an error on Citi 's side that they haven't been able to resolve in getting me the 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 2022-07-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that 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 pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/2022 I received a text message alerting me to a potentially fraudulent charge from my debit card for {$1000.00} Shortly after receiving this message and checking my account details to confirm there was indeed a fraudulent charge, I called State Employees Credit Union that same day to file my dispute. I closed my card and requested a new one, with the help of the associate. I was told it would take 7-10 days for the charge to be investigated, but that I may see a credit on my account for the amount taken in the interim. 

I asked if there were any other actions that needed to be taken on my part, and was assured that no, I had done exactly what I need to do. I received no further correspondence. 

10 days later, on XX/XX/2022, I called to follow up. I was told that the company performing the dispute did not work over the weekend, so they could not provide an update to the status of the investigation or see the dispute. I was also told that I had been misinformed by the original associate, that the actual estimated date was XXXX business days from the day I originally called. They said the company actually had until Friday XX/XX/XXXX. 

Today, on Friday XX/XX/XXXX I called once more to check on the status, as I have still received no further information or update. I spoke with XXXX XXXX XXXX, who informed me she had no record of my dispute, only that I had closed my debit card due to fraud. She posited that perhaps a newer employee not properly trained may have been handling my initial call, and apologized for the miscommunication. She also informed me that disputes could not be made until the actual charge posted, which was actually on XX/XX/2022. This came along with a {$10.00} transaction fee from the same fraudulent place XXXX. Prior to today XXXX failed to inform me of this. She offered to try and push for a faster turnaround, but that I should wait another 7 business days before calling back for an update. 

While I appreciate the sentiment and the professionalism she displayed while communicating with me on the phone, in 7 days when I am supposed to once again call for an update, it will have been an entire month that I have been without that money. And as many of us know, a XXXX dollars can be the difference between security and losing housing, or having the utilities cut off. I expect greater care to be taken when dealing with fraudulent charges and in any case wherein a persons agency and financial security are at risk. 
I will be attaching screenshots with the dates and times of those 3 calls to them below ( that number is XXXX ), along with the message I received via text and a screenshot of the amount pulled from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-08 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: DISCOVER BANK
State: PA

Complaint narrative:
Had {$2500.00} deposited into the account and then the next day the balance was {$1.00}. Someone had hacked into my account and charged items that I didn't approve or know about. 
The money was recovered and is in my account but Discover debit card company will not let me have the money for 90 days. This money was for a very important transaction that needed to be made. 
I have requested many times for a statement to be mailed to me as I can no longer login. I only know about the money is everyday I get a text message stating how much money is in the account. 
Discover makes you hold on the phone for up to 2 hours and then says that it is the wrong department and puts you on hold again. 
Please check on this as I REALLY need that money. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I have been receiving at least XXXX calls a day from an unknown number when I answered it it was commenity capital bank. My wife has been getting the same phone calls from them. They are using a robot dialer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/XXXX I called Experian company because I could not view my credit report. I found out that I have not received a report since XXXX. The customer service rep. stated that they do not have a report on me and instructed me to call my lenders. I did just that with my credit cards and was told that they report every month to all three 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 non-monetary relief
Consumer complaint received 2022-07-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that 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 pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2022-07-08 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: TX

Complaint narrative:
I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) ACCOUNT # XXXX XXXX ACCOUNT # XXXX, XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission XXXXo furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-07-08 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: TX

Complaint narrative:
I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating XXXX5 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCOUNT # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) ACCOUNT # XXXX XXXX ACCOUNT # XXXX, XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
I have called the company nationwide recovery system sever times. telling them this is not me. they asked me to show proof then they would take off credit report which I sent in my identity fraud papers on XX/XX/2022. 
They claim never received the mail. so, I fax in the papers to them I received the paper from the fax machine stated that nationwide recovery system received it. then a guy by the name of XXXX  [ over my claim ] would pick up the phone and hang it up after three times I spoke with somebody in customer services and then he proceeds to get on the phone saying I don't know if we have it or not after he gave me the fax number to send the information. I then asked could I speak with a manager he then says I am a manager. I knew he was lying about been a manager so I say I am recording you lying saying you are a manager he started getting very anger saying you can't record me, but I can record you! 
I proceed in asked him server times are you a manager he would no longer answer any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: OH

Complaint narrative:
N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A 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

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 2022-07-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC
State: CA

Complaint narrative:
I inherited my mother 's house in XXXX. She had a reverse mortgage and I was trying to work with Novad and HUD to save it from foreclosure. A lot has happened since then. I am XXXX and was in the XXXX  for a while. During this time I was communicating on and off with Novad about what would happen, but they were hard to get ahold of. 
I thought they were going to work with me to let me stay in the home but in XX/XX/XXXX I got a notice that a foreclosure sale was scheduled for XX/XX/XXXX. I needed more time to figure out what to do and if there was a chance I could save the house. A legal aid attorney told me that I could request a COVID-19 extension to the foreclosure deadline. She told me to call Novad, explain that I was an heir to the property, and ask for the extension. In XX/XX/XXXX I tried calling Novad many times. I could never get through. I would have to leave my number and wait for a callback. I finally got a callback on XX/XX/XXXX but all the representative would say was that I had to pay over {$480000.00} to stop the sale. I tried calling Novad again and again couldn't get through and had to wait for a callback. 
On XX/XX/XXXX I called the HUD XXXX XXXX XXXX with my lawyer but they told us there was nothing they could do and I had to wait for the callback from Novad before I could escalate my urgent request. 
On XX/XX/XXXX I finally talked to Novad XXXX XXXX XXXX, who told me there was nothing she could do and she couldn't give me an extension. My lawyer also tried to call and email XXXX and other contacts at Novad and HUD, including the XXXX and XXXX email addresses. Her correspondence is attached. She could not reach anyone by phone and when she finally got an email response from Novad, it again refused the extension request. 
HUD XXXX XXXX XXXX says that borrowers and their heirs with HECMs in a Due and Payable status may request an automatic extension while the COVID national emergency is ongoing, with the extension lasting until XX/XX/XXXX. As a confirmed successor in interest, I am considered to be acting in the shoes of the borrower. See Regulation X 12 CFR 1024.30 ( d ). Also, CFPB guidance says " As an eligible non-borrowing spouse or heir, you may ask for an extension. '' See https : //www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/protections-for-reverse-mortgage-borrowers Novad denied my and my lawyer 's requests for a COVID extension at every turn, in violation of this guidance. In fact they seemed to not know about this guidance at all. I ended up filing for bankruptcy because I was so stressed about the foreclosure sale and having to move out of my house right away.

Company response to consumer: Closed with explanation