vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2022, I opened a US Bank XXXX checking account ( Attachment XXXX ) and used promotional code XXXX ( Attachment XXXX ) in my application. 

XXXX XXXX XXXX granted the account holder a {$500.00} cash bonus for completing several benchmarks within the first 60 days of opening the account as evidenced in the terms and condition in Attachment XXXX. 

Pursuant to terms of the offer, the account holder needed to : XXXX. Open the account between XX/XX/XXXX and XX/XX/2022 ( Account was opened XX/XX/2022 ) XXXX. Enroll in online banking within 60 days of opening the account ( Completed after account opening ) XXXX. Receive two or more direct deposits within 60 days of opening the account. For the {$500.00} bonus, the aggregate total of the direct deposits needed to be {$6000.00} or more. 

Per the attached statement ( Attachment XXXX ), a direct deposit of {$3000.00} was received on XX/XX/2022, which is shown as a Payroll direct deposit. A second direct deposit of {$3000.00} was received on XX/XX/2022, also a Payroll direct deposit. 

More than sixty days has elapsed since the second direct deposit and the bank has not credit the bonus to my account, which is in contravention of their terms and conditions for the promotional offer.

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 2023-01-18 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief. Or provide proof in writing within 30 days.

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 2023-01-18 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 — Was not notified of investigation status or results
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
This Health Care facility along with Professional Placement SVCS has violated my Health Insurance Portability and Accountability Act ( XXXX ) Privacy rights.They are in Breach of Notification Rules or the Patient Safety Act and Rule. I did not give any consent to share my Personal health information. Why has this comapny frivolusly reported multiple accounts more than 5 times on my credit file with no consent. Along with violating my XXXX rights, they are violated my FCRA rights according to the law 15 usc 1681. 
The accounts that are in violation are : XXXX XXXX XXXX Acct # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
XXXX XXXX XXXXXXXX Acct # XXXX. 

Why has this been able to happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have had a number of unjustified charges on this account now for months, dating back to at least, XXXX of 2022, totaling {$350.00}. I have personally disputed all of the individual charges ( some of them TWICE ) within this total, via very long phone calls and being transferred back and forth many times, because the company would send messages ( via their online messaging system ) that they " needed more information '', or because they could " find no proof '' that they were " not legitimate charges ''. So, I had to " re-dispute '' them! This company has a severe lack of timely and specific communication regarding each of the disputed charges. I have received just a couple of letters regarding maybe 2 of the multiple unjustified charges, with the letters having zero details, so that one has no idea what charge, date, or vendor, they are referring to! They basically send generic form letters, and only for some of the disputed charges! I have been given the runaround by this company for months now! When I re-inquire about status updates they just tell me to " give it another 60-90 days for resolution ''! They are absolutely the worst credit card company I've ever dealt with ( Comenity Bank )!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime aka XXXX told me when I had disputed a transaction for {$120.00}. That if a resolution had not been reached by XXXX that they would issue a credit for the full amount. 

They have yet to finish their investigation and flat refuse to issue the credit they've promised me. I have contacted them a dozen times asking to speak to a supervisor, flat out begging them to honor their word. And nothing. I had budgeted my bills on their word now I have to go without food just to keep the electric on. Nothing I say has helped. They always just say they're sorry and they understand my frustration. 

Please help me... I'm hungry and really need this money I didn't authorize its removal from my account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I am a XXXX XXXX and have been since XX/XX/2004. I have enrolled in the TEPSLF and PSLF programs. I have provided my employment information more than three times -- certified by my employing agency, the XXXX XXXX XXXX. 

My loan was transferred from XXXX to MOHELA, the company currently suing the XXXX XXXX over student loan forgiveness. 

In XXXX, a rule regarding periods of forbearance was promulgated. I have asked, even though my Senator 's Office ( XXXX XXXX ) to explain why my forbearance periods are not being applied and why my employment verification is not being accepted ( see attachments for both )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
Pursuant to 15 U.S. Code 1691 - Scope of prohibition- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Keyword : ANY I was discriminated against based on my credit report/reputation.

Also Pursuant to 15 U.S. Code 1602 ( p ) - Definitions and rules of construction. The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. The credit card being my social security was used by Affirm ( person ) and I the cardholder received no benefit.

Affirm has already confirmed through email that they in fact did deny me my right to credit. Affirm shall pay fines for said violations including 15 U.S. Code 1681n - Civil liability for willful noncompliance. {$1000.00} per violation invoice will be sent by mail via USPS with a tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: LEXISNEXIS
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX- Contains several errors and other sensitive information. This letter received today states- LexisNexis responded by saying they could not verify my identity completely verify my identity on XX/XX/XXXX but sent a full consumer disclosure report - to me - Apparently a stranger because as stated in their most recent response dated today XX/XX/XXXX, LexisNexis could not verify my identity. The request to opt-out was submitted on XX/XX/XXXX. 

A response was received - on XX/XX/XXXX Stating the burden of proof is on the consumer which is 100 % incorrect. 

Lexis Nexis as an entity is responsible for providing information on how the items collected in the consumer file have been validated. 

I requested a VALIDATION OF INFORMATION ON THE CONSUMER FILE AND LEXISNEXIS DID NOT PROVIDE VALIDATION OF INFORMATION AND HAS VIOLATED MY RIGHT TO PRIVACY by POSTING ITEMS ON A CONSUMER REPORT WITHOUT VALIDATION. THIS CAUSED ME REPUTATIONAL HARM. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Technically- All items should be deleted at this point. LexisNexis has not provided any information on how they were able to collect personal information. Instead, they have responded with nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
The reason I'm reaching out is due to unable to get help for resolving an issue with the escrow account. This issue starts on XXXX, XXXX when I noticed the mortgage payment will increase on XXXX and shows that they sent a tax disbursement to XXXX XXXX of {$1200.00} for the tax year XXXX. This payment was already made from the title company 's escrow account when we did the closing. I have called the XXXX XXXX department XXXX to check with them about the payment and they confirmed that the received a payment from the title company and they couldn't find a payment from BSI financial services ( the mortgage company ). The XXXX collector department XXXX request a check from the mortgage company to proof the payment, I have tried many different times to get this copy of the check and they can't provide it, only information about the check number and when was cleared but this information is unhelpful since the tax collector office can find any information about this check and they said that if they send a check for tax payment and the taxes were already paid for that year they would have refund it back. I would really appreciate if I can get help on this situation on how I can escalate this problem to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  XXXX has violated my rights, Account name : XXXX XXXX XXXX XXXX, has violated my rights, Account name : XXXX XXXX  XXXX  XXXX, has violated my rights, Account name : XXXX XXXX XXXX  XXXX, has violated my rights, Account name : XXXX XXXXXXXX XXXX  XXXX, has violated my rights, Account name XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights, Account name : XXXX XXXX XXXX  XXXX, has violated my rights, Account name : XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Adverse action provided was " unable to Verify credit/application '' was told that it was not credit related but I can not locate the problem and Discover Financial Services will not help my determine what information needs to be verified.

No issues with the info on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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: AL

Complaint narrative:
I recently pulled my full credit report and found items that don't relate to anything I've done.

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 2023-01-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, has violated my rights, Account name : Diversified members # XXXX has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXXXXXX XXXX  # XXXX, has violated my rights, Account name : XXXX  # XXXX has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXXXXXX XXXX # XXXX, has violated my rights, Account name XXXX XXXX XXXX # XXXX, has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXX  # XXXX, has violated my rights, Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX, XXXX ( Original Creditor : XXXX XXXX  ) # XXXX, has violated my rights, Account name : XXXX XXXXXXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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 — Was not notified of investigation status or results
Company: Allied Collection Services, Inc. (Nevada)
State: IL

Complaint narrative:
This Health Care facility along with XXXX XXXX XXXX has violated my Health Insurance Portability and Accountability Act ( HIPAA ) Privacy rights.They are in Breach of Notification Rules or the Patient Safety Act and Rule. I did not give any consent to share my Personal health information. Why has this comapny frivolusly reported multiple accounts more than 5 times on my credit file with no consent. Along with violating my HIPAA rights, they are violated my FCRA rights according to the law 15 usc 1681. 
The accounts that are in violation are : XXXX XXXX XXXX Acct # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
Allied Collections Service Acct # XXXX. 

Why has this been able to happen?

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 2023-01-18 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:
This Inquiry was made by a third party without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My FCRA 15usc 1681 and HIPAA rights have now been violated and no one has done anything about it. I sent in written requests, but the credit bureaus keep losing my inquiries. Additionally, they are not updating my credit file that anything is in investigation, so it is as if they are purposely ignoring my requests. This is a violation. I was supposed to receive updates after 30 days and I should be able to see the accounts that are actively being investigated with a current status update, but this is not the case, and it has been more than 45 days. The current status of the dispute should have been recorded. Please do something about these 3 violations and they are getting away with committing toward me. 
The accounts that have no updates at 45 days and still have incomplete and inaccurate information on my credit file are the following : 1 ) XXXX XXXX XXXX XXXX Acct # XXXX account dates are different on XXXX XXXX XXXX and Experian, since it is inaccurate and still incomplete this should have been removed no later than XXXX. 
XXXX ) XXXX XXXX XXXX : Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX these accounts amounts are different on two of the credit bureaus. And one doesn't have an amount listed even close to the other two. This is completely inaccurate and should have been removed or updated within 30 days. 

This is illegal and goes against the very Law book they advise they adhere to. No one responses to me in a timely manner, they do not update my current account status and they do not correct inaccurate and incomplete information. 

HELP.

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 2023-01-18 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX is in violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXXot notify me 21 days before my payment date on any of the XXXX accounts they reported late payments on. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
This creditor ( RADIUS GLOBAL SOLUTION ) is stating because of the age of the debt, I can not be used. They sent a statement stating that I can renew the debt and the start time period for the filing of a lawsuit against myself if I take specific action such as making a written promise to pay. I did not take any action for this debt. I did not purchase or sign any contract for services from XXXX in 2022.

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