vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX XXXX is charging me {$220.00} for service 's from XX/XX/XXXX to XX/XX/XXXX that I did not ever use XXXX ever I have never used any phone service except XXXX XXXX only I have no idea what thus bill is for the acceptance # XXXX the person i spoke with says its most likely idtheft please i am not paying for something I did not use

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 2023-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit management is reporting the same XXXX XXXX account that is in collections 3 different times one my credit report. They state that 2 accounts were opened in 2022. XXXX in XXXX and XXXX in XXXX. No new accounts were opened, they are reporting it multiple times to damage my credit rating further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
In XXXX of 2023 I tried to pay a credit card bill I have with USAA. I hadn't used the credit card in a couple years, but I had an emergency in XXXX of this year that I had to use it for. My plan was to pay the balance in full, in XXXX of this year, but I was unable to make a payment to USAA do to not being able to verify my identity. The only way they would allow me to verify my identity was by verifying a code that they wanted to text to my cell phone. The problem was that that was an old phone number which is XXXX. Sense I could not verify my phone number because I no longer have that number, I was hung up on by several USAA customer service reps. After serveral more phone calls, I finally got a customer service rep that agreed to listen to me. He said that it is company policy for them to hang up on people who have identitites they are not able to verify. He also said that USAA has an online service where I could upload my passport and drivers license to get verified. So I immedialtley did, but that did not work either, so I called back and was given a fax number to send my information and just wait for a call back, but I never recieved a call. So I called again a few days later, and they said to just have my bank send them a check and they would apply it to my account. USAA ended up not accepting the check and sent it back. Now they have reported to the credit burreaus that I am 30 days late on a payment, and they literally wont let me pay my bill. I dont know what to do. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The complaint is against Bank of America. My checking account is with XXXX XXXX  and in XXXX I made out check # XXXX for {$660.00} to XXXX Card and I mailed it to XXXX Card to pay the credit card bill. That check was stolen and Bank of America allowed it to be deposited into an individual 's personal account. 
When I realized this I spoke to XXXX XXXX  and submitted an affidavit dated XX/XX/2023 providing the facts of the case. XXXX XXXX Bank of America who said the investigation would take XXXX to 120 days. On Monday XX/XX/XXXX I called Bank of America and spoke to their Fraud Servicing Department. The representative said she would check on the status but returned a few minutes later and told me they would not talk to me but would only talk to my bank ( XXXX ). On Tuesday I heard from XXXX XXXX  and was told that they had called Bank of America on Friday ( XX/XX/XXXX ) and Bank of America XXXX said the investigation would take another 90 days. 
In XXXX I learned that another credit card payment made in XXXX had been stolen and deposited into someone's personal account in another bank. I prepared a similar affidavit to submit to XXXX and in less than 3 weeks the other bank refunded my money. 
The Post Office, Prosecutors offices, and even AARP are reporting skyrocketing thefts of checks put in the mail. This means that Bank of America may have hundreds or even thousands of cases similar to mine that they are just ignoring and keeping our monies. 
My suspicion of this is of course increased after having read of your investigation and findings of unscrupulous practices by Bank of America in their dealings with their own clients. I am not a client of Bank of America so they may feel free to treat me and others like me with a feeling of immunity.

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 2023-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Need help submitting this to XXXX, Transunion and 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 2023-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Need help submitting this to XXXX, XXXX and Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contacted my mortgage company about my PMI insurance and was told to submit a request to take it off. I did that then received a letter stating that the balance was not at 30 % of what I owed so they would not take it off but if I would send some money, {$150.00}, they would consider it. I did not do that cause I'm under 30 % and they are still charging me. They claim to have an appraisal but claimed to not be able to find it. I want the PMI off of my loan. When we did the refinance in 2014, I was told it would drop automatically but never and that's why I called them. I feel like it should have already come off. What can I do, I don't feel like I should have to pay to try to remove it. 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 2023-07-21 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I have a debt on my credit report reporting as opened on XXXX XXXX and reporting a new balance on behalf XXXX that was closed XX/XX/XXXX from Consumer Adj Co. 
This debt is not owed, in fact this debt was closed because I sent Net Credit an FTC packet along with police report showing Identity theft in XXXX to XXXX to which I was told that this account would not be a problem again. I have not since opened an account with Net Credit, Certainly not in XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: Navient Solutions, LLC.
State: NE

Complaint narrative:
I had student loans taken out in XXXX. Navient bought out Sallie Mae, my servicer. Navient has not submitted information to XXXX XXXX ( DOE ) that payments were made prior to them buying Sallie Mae. Navient has that information because I can see it when I log into my payment history. It shows XXXX to XXXX. But what was submitted to XXXX was XXXX on. I can not get my XXXX qualifying payments because not enough exist at XXXX. It's been a full year since requested and Navient has not sent on my full payment history. 

My loans from XXXX should also count but those were with DirectLoans, and XXXX and XXXX but those put me far over so I don't need them as much as I need the ones from Sallie Mae and Navient. 

At no time did I request changes in servicers, the switching was at their business end selling my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Since XX/XX/2023, CFPB did not solve my problem with the three credit bureaus. They fail to correct the problem. So I am filing again to bring attention to this problem. I pointed with CFPB in XX/XX/2023 and the credit bureaus were slow in responding to the issues a hand : In according with the Fair Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under : XXXXXXXX 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 15 U.S.C 1681 sect 602 A, states ; : I have a right to privacy '.

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

15 USC 1681 ( c ) - ( a ) ( 6 ) section states no consumer reporting agency may make any of the following items of information, any other adverse information, other than records of convictions of crimes which antedate the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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:
Since XX/XX/2023, CFPB did not solve my problem with the three credit bureaus. They fail to correct the problem. So I am filing again to bring attention to this problem. I pointed with CFPB in XX/XX/2023 and the credit bureaus were slow in responding to the issues a hand : In according with the Fair Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under : XXXXXXXX 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 15 U.S.C 1681 sect 602 A, states ; : I have a right to privacy '.

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

15 USC 1681 ( c ) - ( a ) ( 6 ) section states no consumer reporting agency may make any of the following items of information, any other adverse information, other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681 s - 2 ( A ) ( 1 ) A person shall not furnish any information 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 2023-07-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.

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 2023-07-21 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2023-07-21 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: Kingston Data & Credit International Inc.
State: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I don't know what happened. They just keep blocking my credit card. I have around XXXX in my checking account, and I tried to order a XXXX item, and I keep getting a resend your order message. A couple of days ago I got some kind of warning from somewhere that said I was bad for some reason???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
My student loans are from XXXX. I was mislead into believing that repayments would be affordable and correlate to my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX, consumer phone # XXXX XXXX XXXX XXXX file number : XXXX Claim date : XXXX Claim Location : XXXX CA XXXX access key : XXXX client claim number : XXXX WILBER indicated : we are handling this claim on behalf of USAA Casualty Insurance Co which is seeking reimbursement @ amount {$2700.00} from incident which occurred on the claim date. Please send info contact XXXX I have no idea of what is this about? I have no business or any relation with USAA insurance Co. nor did I have any incident ( reported / claim ) on the claim date ( XX/XX/2022 ) at location ( XXXX CA ). 
This is suspected as ID Fraud maneuver originated from USAA which somehow obtained my name and address ( only, no other info e.g. Tel # or detail information, provided by the involved companies. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Not sure I have the exact dates above. Recently after the loss of my older sister I have come on very hard times financially. I have tried several sources for loans however I am at a low credit score and high DTI. But I have come across help from a totally different lender who may be able to help. The only roadblock I've run into is this loan with First National Bank which I was late for the first time even last month, ( XXXX ). Now they have it marked as 30 days late and the lender I was speaking with told me he needed 12 months with no latenesses, I called FNB to see if they could reverse that and was told no. I have another payment coming up which will then make it probably 60 days late. I have been waiting for my Property Tax Rebate that was due XX/XX/XXXX, and it still isn't here. This " 30 days late '' is now causing me to be unable to get the equity I need to pay off these bills to get back on track. There are banks who will reverse this but this one claims not to and puts me in an even worse position. I had advised them all along I would be late since XXXX and was never late previously. I need this loan desperately. My sister and I always helped each other out and now I have no one. I am trying to do everything I can to resolve and keep running into this ridiculous red tape. This is completely unfair. I have had to come to you for help previously and only once did you go in my favor when XXXX XXXX was XXXX. I'm smothering all because of this and I at least contacted all my creditors. I requested a call back from a XXXX for today, XX/XX/XXXX, but no call so far today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation