vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: Elevate Recoveries, LLC
State: TX

Complaint narrative:
FCRA Violation student loans not mine U S DEPT OF XXXX U S DEPT OF ED/XXXX U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FCRA Violation inquiries not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07 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: AES/PHEAA
State: TX

Complaint narrative:
FCRA Violation student loans not mine U S DEPT OF ED/XXXXL U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had my company Credit card Account # XXXX XX/XX/26 XXXX From BOA. 
My grand daughter was always managing our payments and managing as a book keeper because I am over 70 years. So I wasn't aware of what she was paying. But XXXX day I had noticed that all the fraudulent charges by someone XXXX from XXXX without my authorization. 
I had never authorized these cards to be used and these are all fraudulent charges. 
So please investigate and remove all these charges ASAP.

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 2022-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX has a total of 7 different collects reporting to my credit file. I have no knowledge of this account. I havent had any sort of medical treatment since XXXX I have disputed these collections on numerous occasions and havent gotten any results. These charges have adversely caused me hardships, as Im unable to utilize my credit and provide for my family adequately.

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 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently checked my credit report and it stated that on XX/XX/2022 a hard inquiry was reported on my Transunion AND XXXX Credit report from XXXX XXXX. I DO NOT have an account on my credit report nor did I apply for an account with this company. I called Transunion in an attempt to get the inquiry removed immediately due to it being fraudulent. Transunion refused to remove the inquiry which is now hurting my credit report and credit reputation. THIS INQUIRY NEEDS TO BE REMOVED IMMEDIATELY!

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 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
XX/XX/2022 ( Sat ) : At XXXX ( call duration : XXXX XXXX  ), I informed representative that I could not sign-in to my account online. The representative, who could not speak XXXX well, kept telling me I could just go online to access my account. I again told her I could not sign-in to my account online! I told her I was getting an error message that said, " A system error has occurred. Please try again later. '' She responded by telling me I was using the wrong username ( which is not true, because I copy & paste username from a text file ). She told me to use all lower case letters of my username instead, and to wait XXXX XXXX  and try again. 

XX/XX/2022 ( Sat ) : At XXXX ( call duration : XXXX XXXX  ), I called back and told the representative that I still could not sign-in to my account online. The representative just tells me to go online and access my account. Again I told her I could not access my account online because you are not allowing me to sign-in to my account! She then tells me to wait XXXX XXXX  before trying to sign in. I told her I did wait the XXXX XXXX  and more, but still could not sign in. She then reverts back to telling me to go online and access my account. I again told her more firmly, " I Can Not Sign-In to my Account Online! '' She then puts me on hold and never returns. 

XX/XX/2022 ( Tue ) : At XXXX ( call duration : XXXX XXXX  ), Called to cancel this account, but no answer. 

XX/XX/2022 ( Wed ) : At XXXX ( call duration : XXXX XXXX  ), Called to cancel account, but no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I opened a credit card account with Milestone Mastercard issued by XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021. The initial annual fee in the agreement is {$75.00} and then {$99.00} thereafter. When I received the card it already had a balance of {$170.00} for the annual fee. This is not what I agreed to and is fraudulent. I called immediately and asked to cancel the card. They told me to register and to do it online. When going online I am unable to cancel the card. I spoke to a friend in finance who advised not to activate the card or use it. I never activated the card nor used it as it is NOT what was agreed to and I have the agreement from the company showing they fraudulently charged a higher fee. I called today to cancel yet again and she said I will get a letter in the mail but there is no other confirmation number or email that can be provided. She then said she had another offer for me and could give me a {$25.00} credit. I told her it is ridiculous to offer me {$25.00} when they charged an additional {$100.00} without my authorization. I want this credit card off of my credit as it is not what I authorized nor agreed to. Banks should not be able to legally charge consumers fees not in the agreement and contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
XXXX an unethical collector for XXXX is knowingly reporting inaccurate information and responding to you with misleading responses to get you to close the complaint and they are getting away with publishing inaccurate information as a way to collect on invalid debts. This has to be stopped! They are reporting XXXX Account # XXXX and it has several inaccuracies because it is an invalid debt. I have attached a copy of another creditors response to this complaint that proves the Amount is inaccurate, They are reporting {$1700.00} for a account that XXXX  says was {$610.00} and the dates are inaccurate it says XXXX different opened dates XX/XX/22 and XX/XX/22 and last active date as XX/XX/22 and XX/XX/22 which makes the open date after the active date and I am saying the Debt is NOT mine because I have not lived at that address in 3 years so it is impossible for me to have a cable debt there from XX/XX/22 or XX/XX/22! This is willful violation of FCRA Statute 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 explanation
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
XXXX an unethical collector for XXXX is knowingly reporting inaccurate information and responding to you with misleading responses to get you to close the complaint and they are getting away with publishing inaccurate information as a way to collect on invalid debts. This has to be stopped! They are reporting XXXX Account # XXXX and it has several inaccuracies because it is an invalid debt. I have attached a copy of another creditors response to this complaint that proves the Amount is inaccurate, They are reporting {$1700.00} for a account that XXXX says was {$610.00} and the dates are inaccurate it says 2 different opened dates XX/XX/22 and XX/XX/22 and last active date as XX/XX/22 and XX/XX/22 which makes the open date after the active date and I am saying the Debt is NOT mine because I have not lived at that address in 3 years so it is impossible for me to have a cable debt there from XX/XX/22 or XX/XX/22! This is willful violation of FCRA Statute 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 2022-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: IA

Complaint narrative:
I have a dental debt that have been referred over to Professional Finance Company Inc. - I have filed a complaint to dispute the debt with the Iowa XXXX XXXX and they can take up to six months to complete the investigation. The collections agency said the will be reporting to credit agencies in XXXX which doesn't give enough time to resolve the dispute. I do not want to affect my credit but also do not want to pay and that would be acknowledging the debt. The account number is XXXX. How do I make sure this doesn't get reported to credit score agencies?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My mortgagee was transferred to Nationstar/Mr. Cooper effective XX/XX/XXXX. When it was transferred I had a FHA loan. Nationstar/Mr. Cooper reported on my credit report that I had Conventional Real Estate MTG mortgage and Conventional Re Mortgage, Date Opened XX/XX/XXXX this is untrue. On XX/XX/XXXX, I never opened a Conventional Real Estate MTG mortgage or Conventional Re Mortgage, Ever. Under the Fair Credit Reporting Act ( FCRA ), I have the right to fair and accurate reporting of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MIDFIRST BANK
State: UT

Complaint narrative:
Vio Bank made an ACH transfer of {$500.00} to my account on XXXX XXXX  on XX/XX/2022. The money didn't show up on my XXXX XXXX account so far. I made many phone calls to both of them. They didn't help much. XXXXXXXX XXXX wanted me to call Vio Bank to ask for the trace ID of that transaction but Vio Bank refused to give it to me.

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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank allowed me to open a checking and a savings account, despite having a prior charge off. I deposited a check into my Huntington checking account on XX/XX/2022. Customer support told me it should be available by the following Tuesday. 

The next thing I know, my account is frozen, I am not allowed to use my funds or to access my account, and no one will tell me why. I contact the local branch manager who finally finds out it is because the check was not expected to clear but, it did. And, now, Huntington is in the process of closing my current accounts because I had prior charge offs ; they actually deducted the amount of those charge offs from my checking account. 

They will NOT tell me how long it will be before they will be mailing me a check for the funds in that account, nor will they allow the branch manger to disperse the funds to me, instead. 

I am so upset. I now have absolutely no money to live on, to pay rent or utilities this month. I cant take my guide dog to the vet, I cant go to the doctor myself, and I cant even go to job interviews because Huntington has left me without any access to money whatsoever and whats worse is that it seems to be indefinite. 

They wont tell me any kind of timeline for them returning the balance of my account ; I was yelled at on the phone by someone in their department handling this that Id just have to wait and see because no one there would be able to tell me. 

Is this legal, for them to hold my money in my account indefinitely without even giving me a projected timeline for returning it to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: SC

Complaint narrative:
I recently checked my credit report and it stated that on XX/XX/2022 a hard inquiry was reported on my XXXX AND EXPERIAN Credit report from XXXX XXXX. I DO NOT have an account on my credit report nor did I apply for an account with this company. I called XXXX in an attempt to get the inquiry removed immediately due to it being fraudulent. XXXX refused to remove the inquiry which is now hurting my credit report and credit reputation. THIS INQUIRY NEEDS TO BE REMOVED IMMEDIATELY!

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 2022-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: MT

Complaint narrative:
My mother opened this card several years ago. She put me as a card holder on this account without my acknowledgement. In XXXX I was removed from this account as I had filed bankruptcy. This credit card has never showed up on any of my credit reports. My mother passed away in XX/XX/XXXX. I contacted Target Card Services to advise them of her passing and sent a death certificate as well. Target then began sending me the bill and reporting this on my credit. When I called them they said that the account would be closed and no further action was needed. I am still receiving a bill from them in my name and this is affecting my credit report. I called them on XX/XX/XXXX to find out why, they sent me the fraud department but they were no help saying that I was responsible. I told them I would pay the bill minus the late fees since XXXX ( the month of my mothers passing. At this point I was told that they could not accept payment from me because it was included in the bankruptcy from XXXX. I am unsure what to do at this point and do not want this affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was denied credit card increase and credit card not issused

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 2022-12-07 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
On XX/XX/2022 and XX/XX/2022, I sent a certified letter requesting that GM Financial provide me with specific information regarding a repossession. Under the laws of the State of Maryland UCC XXXX and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

My certified letters were a request that GM Financial provide copies of every legal notice and proof of the commercially reasonable manner of the resale of the subject vehicle. This is my right to ask by law. And if no such proof was provided within 14 days from receipt of this notice, the alleged claim of a deficiency is considered null and void, and any continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, failure to comply with the above requests, means that I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

To date, GM Financial has failed to provide me with this information. Due to their failure to provide me this information, they have to remove this information from the ALL 3-credit report reporting bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report Enclosed are the following : A copy of my credit report I received from credit bureau. 

The fraudulent items are marked down.XXXX  XXXX XXXX XXXXI C SYSTEM ( Original Creditor : 11 XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ) OR EMAIL XXXX Sincerely, 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 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response 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 non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MS

Complaint narrative:
I have been getting emails and letters about how i owe money on a credit card charge and i havent opened an account. Also when i try to sign in using my email to see this account thats in my name it says theres no account with this information

Company response to consumer: Closed with explanation