vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 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: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
My information is supposed to be private and this company violated my consumer laws. This debt was shared without my consent or knowledge.

15. U.S.C 1692C- 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 may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Sections 2- A consumer reporting agency can not furnish an account without my written instruction.

Violation of my privacy Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. 

for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title 15 U.S.C. 1681 Section 602 A

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Foursight Holding LLC
State: GA

Complaint narrative:
FourSight Capital has received a payment in the form of a credit for the amount of {$2800.00} on XX/XX/2022. This payment was verified and credited to the account. I requested that the payment be applied as a normal payment. FourSight Capital has refused to apply the payment to both the principal and interest balances and will not code the credit as a payment to the account. FourSight Capitalan has fraudulently reported an incorrect late payment after receiving a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: CA

Complaint narrative:
IN accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please refer to companies and account number below. 


XXXX  XXXX  XXXX Filed on XX/XX/2016 Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account 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 2022-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have reached out to the company, asking them to verify and validate this debt. Only thing I received in XXXX was a bill I havent received anything else showing that this debt belongs to me. I am asking you to send me a contractual agreement between me and the creditor showing that I agreed upon with the creditor to pay this debt. Also, I am actually ask XXXX, you show me proof of validation of this death what you guys have not done so all you were doing is lying to the credit bureaus, and the customer financial protection bureau, which is wrong so I am asking you to show me proof of this death show me a contractual agreement show me everything that you have on his debt that shows that it belongs to me and that its valid also show me proof that you were license to even collect on this debt in the state of Florida also show me that the methods of verification you have taken to prove that this debt belongs to me darling steps have been taken, and all you were doing is responding to this matter say that you sent something that you did not send so my next step is to see you guys in court in which I am seeking an attorney to help with this matter because they seems like you guys have not done the proper steps according to the federal credit reporting act of 1971. Please respond to me with all these methods of verification. are these contractual agreements any kind agreement with my signature showing that I agreed to pay this creditor or I can wait in the contract with this creditor if any of those can not be provided I ask that you remove this off of my credit report ASAP or I will seek an attorney to do a canna soup against you, I need your license number showing as your license in the state of Florida I need everything show me that you guys are able to even collect but is that a first and foremost show me that this date is valid thank you have a nice day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Trying to open an account and it wont allow me to open the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion is in violation under15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ),

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 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit Acceptance offered me a settlement in writing XX/XX/2022. I sent them a check XX/XX/2022 to settle the account in full for this subprime loan. The letter gave me 90 days from the date of the letter to settle the account. Now they are trying to re-nig on the settlement and file a judgement. I want them yo honor their settlement arrangement.

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Dear Sir/Madam, Ive been a premier checking account customer of Bank of the West ( BOTW ) since XX/XX/XXXX. On XX/XX/XXXX, Ive received a notification letter ( dated XX/XX/XXXX ) from BOTW informing me that my account ( XXXX ) will be closed on XX/XX/XXXX ( transactions to/from the account will be suspended from XX/XX/XXXX ). The only reasoning that BOTM provided for cancellation of my account is that BOTW is exercising its right as stated in the letter we may close your Account at any time, with or without cause.! I followed up with BOTW branch as well as their customer service team and they couldnt provide any further details. Being a customer of BOTW, Ive never violated any of contract policy or have any dispute with them.

The fact that a regulated bank like BOTW can suddenly deny service to a customer without any proper cause and the lack of transparency in the whole process goes against the spirit of providing reliable financial service. The timing of the letter and short notice of service cancellation have caused severe stress in my side. How come an approved financial institute can act as if its operating a cartel and have ultimate authority to decide on whom/how/when to provide service to common people? In my opinion, this is an utter discrimination against a customer from visible minority. I request your office to investigate this incident and take necessary actions against BOTW so that no such incident occurs to another customer in future. Please let me know if you need any additional information. 

Best regards,

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/XXXX I got a notice that my card was declined due to low funds.. 3 hours later I got a email saying my account was negative.. so they took the money out of my account and now I'm negative {$80.00} don't have other dates but will say this is not the first time this has happened, im low income as it is. But have to pay out for fees I don't have the money for. Card endingXXXX

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 2022-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I leased an apartment at XXXX  XXXX from XX/XX/XXXX XXXX XX/XX/XXXX. When my lease was about to expire, I was informed I could do a month-month lease which will not be bound by any contract whatsoever and could leave whenever I felt fit. I enrolled in a month to month and stayed through till XXXX while also notifying the office of my intent to move in XXXX via a written document that was presented to the office secretary. 

On the XXXX of XXXX, I turned in all keys and fobs and vacated the apartment with the approval of the manager XXXX XXXX. I submitted a forwarding address to receive any letters that the apartment might decide to send. On XX/XX/XXXX, I noticed a collections account had been filed on my credit report and immediately called the apartment inquiring why, I was met with disdain and hung up on by the worker XXXX  who told me she would be sending an itemized bill as to why I was being charged {$4100.00}, she did not however follow up. I called incessantly for months after that and was met with no help. 

In XX/XX/XXXX after almost 2 years of no communication, I received a letter from National Credit Systems requesting to negotiate my collections, in which I demanded an itemized report and a validity of this debt via email and mail on XX/XX/XXXX, to which none was responded to. Instead I was badgered with calls asking for a negotiation to pay off this debt even after explaining I was not responsible for this and was wrongly charged by the company. 

This apartment has a long standing extorting its residents. I am a student and have fought tooth and nail to earn the score I have, and this falsely reported collections has done me much harm including my denial of a new apartment and is causing me much emotional distress as I have to move out of my current apartment by the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The accounts listed below are currently violating my privacy rights, the right to a proper investigation ( by US code definition ), and violating my rights under the following US codes ; 15 US.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 man 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. 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have listed the accounts that are negatively affecting my life below : 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 XXXXXXXX These accounts have not been properly reported nor investigated. As I have also suffered from XXXX XXXX. And the Cares act and FCRA state that creditors aren't supposed to furbish negative data during the pandemic.

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: LA

Complaint narrative:
I have over {$400.00} since the middle of this year in cash app money that I never spent there was transfers because my cell phone was stolen including my wallet including the cash in it now the cash in it was my loss but my wallet was stolen right from where I work at and where I work at is where I live at and where I live at there's only XXXX people around here which I do not trust however I would like to follow a little suit immediately because it still even though that account is still open but under my married last name XXXX XXXX XXXX XXXX XXXX XXXX the card was used or tried to be used yesterday and it took them 3 months and even I have a email stating that they did give me a provisional credit but no they did not as a matter of fact I had to cancel my card and request a new one yesterday and that's XXXX  XXXX they told me that they would give it back to me within 45 days the money and none of it not XXXX single XXXX dollar has came back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Had applied for a personal line of credit. LoanMe to me to change the loan classification to a business loan. Needed the loan to keep payments current but learned rate is usuary at 79 %, then lowered to 65 %. Repeatedly requested a loan modification as I've paid back the original principal twice!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Harley Davidson Financial Services Inc
State: WA

Complaint narrative:
In XXXX, vehicle was vandalized while living and working in XXXX, XXXX. It was rear-ended by another vehicle in the parking lot and on one other occassion, others left bodily fluids on the vehicle. On another occassion in XXXX, the vehicle suddenly needed expensive repairs XX/XX/XXXX and was sent to XXXX XXXX XXXX. Upon driving vehicle out of XXXX XXXX XXXX, a stabilizer was left off, and the vehicle was not drivable. It caused an accident and injury to the co-owner. The vehicle was then driven to XXXX XXXX where someone else ran into the back end of the vehicle. Much of this was reported as the co-owner was left without work again and layoffs. By XX/XX/XXXX, there was a notice to call Harley Davidson Financial Services and the vehicle was taken. I still have a key. I never received a legal notice of an issue regarding repossession. I am the co-owner. I did not know anything about what exactly transpired with the vehicle and recently found out the vehicle was sold XX/XX/XXXX. Due to Covid-19, layoffs, and hardship, they took the vehicle and not one word from the owner. My doubt is that the owner, who would not transfer or exchange owner to co-owner, held the vehicle over my head. I have been gainfully employed at times and asked. The thought of trading in the vehicle towards a car was on my mind. I had XXXX XXXX coverage for a time period XXXX, then had an interesting issue on a freeway that would have totalled the bike. I had to change insurance to XXXX and got no help the way 'comprehensive ' insurance should work while living in XXXX XXXX My suspicions are insurance fraud. I no longer have the vehicle, but have some form of repossession on my credit now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Submitted XXXX XXXXXXXX XXXX XXXX Payment on time and got a BOGUS Late Charge of {$32.00} when the payment was in fact on time. I have since CANCELLED the card due to BAD overall Credit Terms/Rates.

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 2022-12-21 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: TN

Complaint narrative:
Experian is in violation under15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ),

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 2022-12-21 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: CBC Companies, Inc.
State: PA

Complaint narrative:
For the past two years, I have been notifying your corporation that an " alleged '' " fraudulent '' " illegal '' and " erroneous '' accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX has been furnishing on my consumer report and in my consumer file. I have submitted numerous complaints, affidavits, CFPB complaints, and submitted Attorney General complaints and each time your customer service representatives come back fraudulently and erroneously " verifying '' the alleged account. Not only is the furnishing of the alleged account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX is a violation of my right to privacy, the alleged account has caused me financial hardship and embarrassment. I have never given your corporation permissible purpose to furnish said account nor do you have my written consent to furnish said account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX which are all violations that fall under the restrictions of the Federal Credit Reporting Act. According to Federal law, your corporation should be exercising fairness, impartiality, and respect for my right to privacy under 15 USC 1681 a ( 4 ). The illegal furnishing of this account violates my federally protected consumer rights under the FCRA. The furnishing of this account also violates the standards and regulations of XXXX COMPLIANCE! Attached you will find my most recent letter sent to your corporation not only informing you of your violation under the FCRA but also your lack of ability to stay in compliance to XXXX standards and regulations.

Company response to consumer: Closed with explanation