vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had identified theft problems since last year XX/XX/XXXX US BANK has been working with my accounts for over 6 months I didnt here from us bank unless I called to follow up, then XX/XX/XXXX I found out my accounts were closed except my credit card which they kept my {$2000.00} savings account money?? Now that credit card has {$750.00} in fees & returned items fees?? Unwarranted charges & fees for fraudulent transactions.

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 2023-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed 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. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: AZ

Complaint narrative:
I received a direct deposit at Comerica Bank and the moment they received it, {$7100.00} they closed my account and refuse to allow me to withdrawal {$5700.00} from the account. They say it is not available for whatever reason, but I went to XXXX banking centers in XXXX and XXXX and both dishonored my withdrawal banking item that they admitted was a negotiable item. They continue to deny me access to my funds, eventually the last time this happened they forced me to withdraw like {$3000.00} from my account and take the cash. This time they just seem so upset they aren't doing that. They won't update my address or anything. They just telling me to wait until XX/XX/2023 while they investigate. No longer are they telling me anything, just that they have my money and I can't have it right now. I've called XXXX XXXX in XXXX Michigan XXXX and filed a civil lawsuit served it and overnighter it to Comerica Bank 's legal department at XXXX XXXX XXXX, XXXX Michigan ... nothing, but even more anger and admitting more that what should be available will not be available to me. It was {$7100.00}, and they did admit that {$5700.00} of it was available and to go to banking center for their discretion to give me the funds. I called a different banking center where I opened it and they screamed and yelled at me over the phone, the XXXX XXXX and XXXX XXXX, branch. I've tried everything. Some FBI agent walked by and said, " Tell them they have until XXXX. '' I told them that and XXXX XXXX said, " We don't go by FBI time ... '' I said, " You just ignore everyone don't you. '' And other customer complained she wasn't able to get her money at times and was closing her account because of it, when I went to XXXX branch this morning. I have XXXX dishonored banking items, withdrawal slips, both for {$5700.00} and they would not cash them. I also notified them of an address change and they have not done anything about that either. I need this money, this isn't the first time they've done this to me, they eventually allowed me to withdrawal the funds but not this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
there was no satisfaction of mortgage when different companies took over the mortgage throughout the years. As a result I have an unclear Title. According to the city where my property is located AT XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX section XXXX, Block XXXX and Lot XXXX Mortgage XXXX was assigned to XXXX XXXX & XXXX XXXX they must give you a satisfaction of mortgage. Mortgage XXXX XXXX XXXX must give you a satisfaction. Mortgage XXXX was assigned to XXXX XXXX  XXXX and they must give you a satisfaction. PHH is reporting to credit report but paperwork comes from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I recently spoke to a supervisor in the legal dept of Southwest Credit System # rd Party collection agency. I informed the lady that I spoke to that I was planning to file a lawsuit against this company if they did not remove the negative fraudulent account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Back in XXXX of this year, I applied for the new SAVE Plan. Nelnet emailed me XX/XX/XXXX saying they needed 7 years of income statements (? ) to enroll. I didn't think this was right, so I contacted them through email soon after asking why this was since literally no one I knew, and no one on message boards was having to provide this info. On XX/XX/XXXX, they wrote me back and didn't tell me anything ; just copied and pasted the same email they sent me before. 

So I tried looking for tax documents and couldn't find them and called on XXXX, was on hold for XXXX hour XXXX mins and XXXX seconds. I hung up. tried again on XX/XX/XXXX and after XXXX hours I got through. The lady couldn't answer my question, but got someone that could, and gave some weird excuse, but gave me options of what paperwork I could upload. A XXXX hour XXXX min and XXXX second phone call, 89 % of it on hold. 

So I uploaded my documents on XX/XX/XXXX. I emailed them on the XX/XX/XXXX for a status update since there was nothing on the website about where my application was in the process, and I just got an automated, 'sorry, we're too busy to help you, we're overwhelmed, ' email today, lol. They approved my application, BUT FOR THE WRONG PAYMENT PLAN. To be honest, I don't even know what I'm on now, but I know it isn't the SAVE Plan because my payment isn't supposed to be {$150.00} a month. Like, I just can't with these people. I can't be on hold for hours anymore, I can't deal with their incompetence, I don't even know how/why I'm on a plan I didn't even put an application in for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXXDate of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXXDate of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I would like the following inquiries to be deleted, I did not authorize these companies to run my credit. This is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I would like the following inquiries to be deleted, I did not authorize these companies to run my credit. This is fraudulent. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 accuracies of their reports were questionable to me because they appear to have different details among other consumer reporting agencies. I have already informed their company repeatedly that these accounts were found to be incorrectly added on my files to which I even requested them to process for a reinvestigation but they still failed to do so.

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 2023-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANKERS HEALTHCARE GROUP LLC
State: AZ

Complaint narrative:
I was referred by the XXXX to BHG Financial as the XXXX does not make loans to nonprofit organizations. On XX/XX/XXXX I applied for a {$45000.00} loan for our organization and I was the guarantors. On XX/XX/XXXX I received a call from BHG to review my financial data and was assured that all looked good for the loan. The funds would be available in XXXX days after approval. My information was forwarded to a Finance Manager and a meeting was scheduled for XX/XX/XXXX. This call never and when I finally got in contact with the XXXX  XXXX XXXX she stated that there was technical problems with her computer and she wound get back with me on the following Monday. This call never happened and after several emails and phone calls, someone else called me back. I returned the call with the number left on the voice mail but did not receive a call back. I finally called the main number and was referred to a higher up manager and was told that the matter would be taken care of that XXXX XXXX XXXX, Associate account manager completed all the requested information requested. With a XXXX XXXX on XXXX and an income of over {$110000.00} I expected no issues with the approval. It was XX/XX/2023 when I was stunned to receive a denial with no explanation expect that a reason would be sent by mail within the next 30 days. Not the XXXX day service advertised or the expected approval of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Acceptance Corporation
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Closing date of XX/XX/23 was ignored by XXXX XXXX, XXXX XXXX with PNC Bank. Conflicting info has been given and deadlines per contract for Loan Commitment were not met. 

XXXX XXXX PNC Bank Mortgage XXXX XXXXXXXX XXXX ID XXXX ( cell ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Locator # XXXX PNC Bank Cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST PORTFOLIO SERVICING INC
State: AZ

Complaint narrative:
I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want this information to be completely removed from my credit report, it does not belong to me. 

XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I have a loan with Speedy Cash, Which it's past due. {$750.00} I receive an email today from XXXX which it seems very catfishy. 
She was threating me and charging a immediately money through email and in my debit card. 

I made several questions. She never answered them. Also, she asked my card information and told me I was gon na be prosecuted and XXXX a XXXX against XXXX, violations and bla bla bla. 
I don't know where it's coming from. She refused to give me more information about which area she work at Speedy cash. 

Talk to speedy cash already and told the situation. Which it's werdr, cuz I just sat a settlement with them and everything was okay. 
I told her about that. She got XXXX. hahaha And release detectives and a warranty. For what? haha I am so confused and I just wan na report this to you guys. 

So. yeah that's all. She never gave her number or provide a number. She asked me my attorney contact her. By email? 
XXXX XXXX are not smarter than me. 

Thank you anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
In XXXX XXXX XXXX, my daughter, as a result of XXXX XXXX  from mismanagement of her medications, XXXX XXXX XXXX XXXX XXXX. I rushed her in my car, to an in-network hospital where she received life saving treatment. She underwent XXXX  XXXX and it was determined that for the safety of her life and continued life-saving treatment, she would need to be transferred to another in network facility for continued to care. She is a minor. We asked if we could transfer her in our car from the hospital to the mXXXX XXXX XXXX  and were informed we could not. At no point in time was I ever informed that there would be charges beyond those covered by my insurance, allowed to choose an in network ambulance provider, nor was I even given the ability to consent to her ambulance transfer. I never received any paperwork regarding even what ambulance company was transferring her or anything regarding authorizations with the hospital. She was checked into an in network facility and transferred to another while she was checked in. I was then billed XXXX for this ambulance transfer. The company XXXX XXXX XXXX it has since been transferred to collections ), was paid an agreed out of network rate from my insurance provider, and charged me the remaining amount. I called them and requested information regarding this ambulance transfer and the documentation related to its authorization. I requested the documentation they received from the hospital regarding the ambulance transfer, authorization etc and they would provide nothing. They were completely unhelpful, refused to research the issue, and were distressing on the call. I then contacted the hospital billing department. The hospital stated they did not even have appropriate paperwork in hand for her transfer and told me they would research and reach out the ambulance company, as they didnt have record of appropriate authorizations etc. I followed up multiple times without response. The charge was then transferred to a collection agency of which I sent a letter stating the nature of the charge was erroneous. They never replied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I noticed some unauthorized inquires on my report and in accordance with the FCRA i would like to have them remove immediately.

Company response to consumer: Closed with explanation