vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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:
In Accordance with the fair Credit Reporting act XXXX  Account number XXXX XXXX XXXX and Account number XXXX XXXX has violated my rights 15 U.S.C section 602A. States I have right to privacy. 15.U.S.C.A section 2 : it also states a consumer reporting agency can not furnish a without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
Nationwide Recovery Systems reported to XXXX that I never paid my debt. However, I have a statement showing that I paid {$560.00} on XX/XX/2022. Despite sending XXXX a copy of my bank statement, they refuse to remove this debt off my credit report. Additionally, Nationwide Recovery Services refuses to acknowledge my payment and still states that I have never paid my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: VA

Complaint narrative:
This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question certain records in my file coming about because of some inattention. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, block the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX FIN XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$97.00} ; XXXX XXXX Balance : {$53.00} ; XXXX XXXX Balance : {$76.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Balance : {$63.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$91.00}

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 2022-06-17 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: VA

Complaint narrative:
This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question certain records in my file coming about because of some inattention. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, block the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$97.00} ; XXXX  XXXX Balance : {$53.00} ; XXXX  XXXX Balance : {$76.00} ; XXXX  XXXX Balance : {$71.00} ; XXXX  XXXX Balance : {$63.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$91.00}

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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question certain records in my file coming about because of some inattention. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, block the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$97.00} ; XXXX  XXXX Balance : {$53.00} ; XXXX  XXXX Balance : {$76.00} ; XXXX  XXXX Balance : {$71.00} ; XXXX  XXXX Balance : {$63.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$91.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
They are merging debit transactions into ach and charging nsf fees as if a check was processed. No checks were written, no bearer documents processed. All fees were charged against automatic clearing house transactions or debit transactions. The fees are therfore illegally placed under laws describing and allowing said fees against checks. Furthermore none of the fees are the result of any real world loss or payment by the bank such as covering said transactions. Fees total {$140.00} for 5 alleged attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: KEYCORP
State: OR

Complaint narrative:
In 2001 I applied for a private loan with Key bank alternative loan to help me mitigate the cost of flight training. While I was told I needed a consigner, which I provided for the first initial loan of {$10000.00}, I was never asked for the consigner for the following loans. 
My consigner only agrees to sign for the first loan, not for the other. So, in the end, my consigner was attached to all my loans. I attempted to fight this when I found out, but surprised, Key Bank had closed the program and sold the business to XXXX XXXX, which in return had sold it to XXXX and so forth. 
I had been paying my loan on time for years, and I am positive that I had already paid my loan, but somehow I am still owning a lot of money. Every time there is a fee, the loans get sold to another company. Every time I am trying to get information. The replay is that the company is collecting money, and I need to contact Key Bank ; when I do that, they told me that the program doesn't exist.

I do not expect a freebie, but I am tired of being treated like garbage. Nobody answered why they lied to me about how they use the cosigner. 
I want to pay my dues and get it done, but they add more fees to my loans each time. 
I am tired and desperate and can not move forward with my life. Even though this is a private loan, it is a personal STUDENT loan. This was catered towards students. 
I do not know where to reach out. Please let me know what I can do? 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, XXXX XXXX bankruptcy Acct # XXXX, XXXX  XXXX bankruptcy Acct # XXXX, XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received my paycheck a day late, and I needed to pay bills that day. I went to the issuing bank ( XXXX XXXX  on XXXX XXXX ) and cashed the checks. I then went directly over to a Bank of America ATM ( XXXX XXXX branch ). I went through the cash deposit process. I deposited approximately {$3200.00}. The machine was taking a while, then it changed to a screen saying we were unable to count your deposit due to technical difficulties. It then took me to another screen and asked me to give an estimate of my total deposit. I wrote XXXX. It then deposited only {$300.00} into my account. I received a receipt with a claims number to call. I filed the report and was told itd be a day or two. I still havent received my money. I have since overdrafted my account and I am late on important bills. A quick internet search revealed that this happens quite frequently, and people dont always get their money back. Id like to see the ATM footage of me depositing cash. This missed paycheck would really mess up my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: SC

Complaint narrative:
They are scammers who took my information without informing me and signed up for their service, I contacted them many time but they are not picking the calls and now the number is not reachable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: SC

Complaint narrative:
XX/XX/2022, {$990.00}, XXXX XXXX Bank has violated the laws. This account was opened from identity theft / fraud. 

I HAVE NEVER GIVEN XXXX XXXX BANK CONSENT TO COMMUNICATE WITH ME. 

I HAVE NEVER RECEIVED A LETTER FROM XXXX XXXXXXXX BANK TO REQUEST A VALIDATION OF DEBT. 

EXPERIAN, PLEASE CHECK THE ( ADDRESS ) OF THE ORIGINAL DOCUMENTS AND COMPARE THE ACCURACY. I DO NOT HAVE THE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX on my Experian public address. I never lived at that address. Why is this account reporting on my credit report? 

XXXX XXXX XXXX XXXX - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt not provided me a validation of debt letter. I have requested a validation of debt. 


I AM REQUESTING VALIDATION OF DEBT FROM XXXX  XXXX BANK Section XXXX ( b ) XXXX XXXX XXXX XXXX - ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-06-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, Chapter XXXX bankruptcy Acct # XXXX, Chapter XXXX bankruptcy Acct # XXXX, XXXX XXXX BANK Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, XXXX XXXX bankruptcy Acct # XXXX, XXXX XXXX bankruptcy Acct # XXXX, XXXX XXXX BANK Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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 2022-06-17 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. I got a letter stating : " They do not provide information to the credit reporting agencies or bureaus. '' So if that's the case, how did the credit bureaus verify an alleged bankruptcy as 100 % Accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX ( XXXX ) ( XXXX ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under XXXX XXXX XXXX. 

According to XXXX XXXX XXXX section XXXX A states : I have the right to privacy. 

According to XXXX XXXX XXXX section XXXX A Section XXXX states : A consumer reporting agency can not furnish an account without my written instructions. 

According to XXXX XXXX XXXX ( A ) ( XXXX ) states : 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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - XXXX XX/XX/2021 - XXXX XXXX  XX/XX/2021 NEGATIVE ACCOUNTS : - XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The XXXX  XXXX bankruptcy is inaccurately being reported. The dates and the case number are incorrect, this event has reached the XXXX year reporting mark as it was originally filed as a XXXX  XXXX.I would like this event removed from my credit report and/or provided the original reporting documents that reflect the information being reported...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I applied for mortgage loan with PHH mortgage company they approved for {$690000.00} loan. and after I singed a contract with a seller, pay an inspection fee for {$820.00}, deposited XXXX and after they locked me for 5.125 % interest rate for 30 years, they denied me a loan. I strongly believed the only reason they didn't want to give me the loan is, just they are discriminating me against, my XXXX  XXXX, my ethnicity. for this reason, I lost the house I was in the process to buy. 

and i have an email responding with the company 's employer who was assigned to my application processing and also, i have a voice message which it was a congratulation we are going forward to give you a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
We bank with VyStar Credit Union and someone has hacked into my account over 30 times since their move to new platform, moved money within accounts in amounts of {$1000.00} or more including a business account and set up payments through their new billpay to have money routed elsewhere. Identity theft and fraudulent payments. I've spent the last 10 days at the bank every day having these issues shut down because their fraud department was not catching. Additionally, my identity was stolen and fraudulent credit cards were in the process of being opened by fraud in my name we had to shut down ( luckily caught before they were issued ). We had to have all access to our accounts cut off from any electronic access whatsoever to end this. After 32 years of banking with VyStar, they have allowed my information to be compromised and I've had to freeze my credit, and remove my money and go to another institution in addition to doing everything to stop any fraud and fradulent accounts from being opened across the country. Their unproven new banking platform is an absolute nightmare and they can not protect your money, your accounts can easily be reset by anyone if they managed to get in and steal your social. Beware if you are banking with VyStar.

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