vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: CO

Complaint narrative:
On XX/XX/22 I reached out to net credit to attempt to change my bank account information and to request a different due date. I tried to make payments from a debit card while waiting to make changes to my bank account, I was informed by an employee that in order to make payments I needed to first update my checking account information. On XX/XX/XXXX the change was official, but by that point I was severely late on my account. It has been a struggle trying to make payments on a timely manner, due to their ridiculous policies. Ive requested several times to switch my due dates so I can get caught up, but each time Ive been told that because my account is past due their hands are tied. This company sets people up to fail. They also dont have the appropriate information on the loan documents and are not actually authorized to provide loans in the state which I reside. I had to submit a copy of drivers license and proof of residence, and at that point the company should have not authorized the loan. Because they are a predatory lender they do not care, and now my credit has taken a hit and their hands are tied because Im past due. They should not be able to report on my credit if they are a fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
In XXXX, Mr. Cooper failed to pay my homeowners insurance out of my escrow account. XXXX was due XX/XX/XXXX. I received a notice 30 days after payment was due from my insurance company letting me know my policy had been cancelled. I immediately called my insurance company and put a policy in place effective XX/XX/XXXX. The policy was paid via disbursement from my escrow account. I then received a letter from Mr. Cooper stating that they would retroactively force place insurance for the 30 day period I lacked coverage, even though it was their error. I reached out to Mr. Cooper to remedy the issue and the agent offered to call my insurance company and retroactively reinstate the policy. A second disbursement was made out of my escrow account to my insurance company. I then saw another disbursement for {$110.00} on XX/XX/XXXX from my escrow account where Mr. Cooper charged me for force placed insurance, even though I had insurance for that time period. I again called to remedy the situation on XX/XX/XXXX. The agent acknowledged the error and noted that the policy for XXXX was in their files. She said I could expect a refund within 5 business days. After 10 days, there was no such refund in the account, so I called again. The agent stated that the refund would be in the escrow account within a day or 2. As of XX/XX/XXXX, my escrow account has yet to be credited for the force placed insurance amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc.
State: PA

Complaint narrative:
This medical debt is not owed I have health insurance and do not owe this bill. I did not sign anything with my signature stating this debt belongs to me. Please remove this from my credit report immediately. This is a medical debt that's not owed when there is health insurance. I signed no papers owning this debt

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX has informed me on two occasions that Comenity Capital BankXXXX has performed hard inquiries on my credit report. I have not applied for any new credit with Comenity Capital Bank. The first hard inquiry occurred on XX/XX/XXXX and the second occurred on XX/XX/XXXX. My credit score has dropped XXXX points as a result of these excessive hard inquiries. 

I filed a dispute with XXXX after both incidents. The results were the same for both : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' I contacted XXXX to inquire how can these inquiries be factual since I never requested credit. Their explanation suggests that they take the creditor/companies word that the inquiries are factual. They suggested that I contact Comenity Capital Bank, which they referred to as XXXX, to ask them to send XXXX an electronic request to remove both inquiries. After trying to reach Comenity Capital Bank by phone unsuccessfully, I called XXXX back to get a better understanding of the dispute process. 

Once they finally admitted that their dispute process was essentially in favor of the creditor, XXXX suggested that I go to Identitytheft.gov to generate a letter of appeal and to fax the letter along with 2 pieces of ID to them in order to remove the inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a text from a person I thought was My friend XXXX, I told him that he needed {$400.00} XXXX send him via XXXX the amount XXXX had changed his phone number the reason was that some company had the same number attached it an official document with that old phone number BUT... 

but I still kept THAT old number list on my phone. 
What I didn't realize that that the text I received came from his old discarded # and that I had sent the money to that # I contacted my friend at a new number, and he claimed he never asked for anything. 
This was XXXX hours after the transaction and the money wasn't taken out of my account by then ... I called XXXX right away and they told me that there was nothing they could do, that the transaction had been done and that I should call my bank... and I did. 

the bank told me that there was nothing for them to do because the transaction didn't happen yet the money wasn't taken out of my account. 

the next day XX/XX/XXXX I contacted my XXXX they claimed that they will start an investigation and I have the investigation number, ATTACHED is an email from XXXX with that number. 
I also when to my local bank branch and spoke with a fraud person there, and they started an investigation too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX/XXXX  Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : 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.

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 2022-10-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX FCU Account Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX CREDIT UNION Account Number : XXXX FIRST XXXX BANK Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX SRVC Account Number : 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 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 non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
Mohela. Requested refund on XX/XX/XXXX. Said it would take 30 days. Called back XX/XX/XXXX, waited HOURS on hold, for them to say it should be soon. Called back & now its 60 days!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: IA

Complaint narrative:
I negotiated a settlement with National Credit Adjusters for Account XXXX. XXXX NCA Acct XXXX. XXXX to have this debt paid in full and to remove the account from my credit report on XX/XX/2021. The report was never removed from my collections accounts on XXXX. Also known as a " delete for pay '' agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc.
State: PA

Complaint narrative:
This medical debt is not owed I have health insurance and do not owe this bill. I did not sign anything with my signature stating this debt belongs to me. Please remove this from my credit report immediately. This is a medical debt that's not owed when there is health insurance. I signed no papers owning this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I was scammed on cash or trade, I was trying to purchase 2 concert tickets from another member and after I send {$260.00} to them via XXXX they blocked me and never sent the tickets. XXXX XXXX Citizens bank ( my bank ) refuse to help even though I can prove I was scammed and all that is required is for them to reverse the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: IL

Complaint narrative:
I went to a XXXX Dealership to see if I could trade my vechicle in and I ask them not to run my credit if they wasn't able to put me in something I was re-assured that they didn't need to. I didn't know they still ran my credit without my consent until I decided to pull my credit report to see what was on it, only to find out that they ran my credit and that it had been ran 15 times for diffrent things by them I had never used my credit for anything or had it ran. I reported this situation several times with no results. I am requesting for all these Inquiries to be removed asap because I wasn't aware of them and they was added fraudently without my consent. I have listed all the inquries below that I would like to be removed from my account asap. Thank you XXXX XXXX XXXX XXXX  CXXXX XXXX, XXXX XXXX Bank, XXXX Bank XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Major XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 2022-10-13 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: IL

Complaint narrative:
I went to a XXXX Dealership to see if I could trade my vechicle in and I ask them not to run my credit if they wasn't able to put me in something I was re-assured that they didn't need to. I didn't know they still ran my credit without my consent until I decided to pull my credit report to see what was on it, only to find out that they ran my credit and that it had been ran XXXX times for diffrent things by them I had never used my credit for anything or had it ran. I reported this situation several times with no results. I am requesting for all these Inquiries to be removed asap because I wasn't aware of them and they was added fraudently without my consent. I have listed all the inquries below that I would like to be removed from my account asap. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-13 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-10-13 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, the creditors have violated my rights. Under 15 U.S.C. 1681, section 602, it states that I have the right to privacy. Under 15 U.S.C. 1681, section 604 ( a ) ( 2 ), it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I respectfully request that any late payments be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Ad astra recovery services, This collection company like the other collection couples that appeared on my report were asked to validate the account and also, conduct an investigation into my fraud claim of this account. 

A complete fraud packet that was sent to all collection agencies was also sent to this collection agency. Upon receipt of my fraud claim, this collection company failed to follow rules and regulations governed under the section 809 validation of debit. Subsection ( B ).

Deception clearly states, if the consumer notifies the debt collector in writing within the 30 day. Describe the sub section 8 that the debt, or any portion therefore, is disputed, or that the consumer requests is the name and address of the original creditor, the debt collector shall cease collection of all debt or any dispute a portion therefore until the debt collector of teens verification. This also means completed and Investigation if theres a claim of identity Theft. 

It has been verified by XXXX that no such action took place after my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX FCU Account Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX Account Number : XXXX MUNICIPAL XXXXXXXX XXXX  Account Number : XXXX FIRST XXXX BANK Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 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 2022-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
During the pandemic the company would change the term of the product that they were offering every three months after promising to keep the consumer at the new term that was offered. XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, after reaching out them on numerous time. After reaching out to them on XX/XX/XXXX to request a final assistance they stated that they only had one product for my situation. I ask ok tell me now about it. I was told that the Product would renew my loan term and time and any and all fund that was paid will not apply to the new term and my payment would decrease by XXXX $ to XXXX $ and it would add 5 years to the loan. I ask to see the full loan term I was told by the representative that I would have to agree to the term first before I could see the full break down. I expressed my concerns about that and that i would like to read over the documents he stated that he could not do so and that was the only option available. I told him I can not take that offer unless I have something to read in writing then the call was disconnected. I received a letter from Discover acknowledging they received my Request for a long term but was unable to enroll due to : You voluntarily declined to enroll. dated XX/XX/XXXX. I have the recording of that conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
A citi priority bank account was opened on my name. I would have to get that closed immediately. I was told there is an amount in the account. Around {$100.00}. I don't care what happens to the money. I just want the account closed and unlinked from me. That's all i want

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 2022-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
This company has left many messages with my place of employment. When i called they say my companies number is listed and that is why they called it. This is 100 % false, my cell number is the only number listed with any medical provider. They have called 2 times a day for nearly a month, they have shared my personal information with our answering service on multiple occasions. 
I filed a complaint against this company previously as they were harassing me on my cell phone and they never even had my proper identifying information. they had the wrong birthdate, address, and email none of which associated with me. I have since been forced to pay this as they continued to call my place of employment despite being told to stop calling them in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
I was scammed and they bank says I owe the $ XXXX when they allowed the funds to be transfered out of my account and those same funds were redacted by the scammers days later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation