vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have read several reviews about fifth third bank not knowing who they were until after I signed the agreement application for car loan to find out so many people have been complaining about this bank they have even been sued why are they allowed to continue mistreating people and taking their money.i am currently trying to get my credit union to take over my loan so that I don't have to deal with others are dealing with .and noone is doing anything about them.i and I'm sure others work too hard to get the run around about their money this is why people are taking it out on one 's like them in a bad way .they should really change their way or something bad may happen to those working for this bank .this day and time is very rough no time for nonsense ..should be great fun to have a job. America allows to much mess to go on with out serious punishment .the reviews I read they all would be fired ..I want out before getting the same treatment. I don't know how I would handle it .I will drive there .since noone else can seem to stop this terrible nightmare behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Veros Credit, LLC
State: CO

Complaint narrative:
On XX/XX/2022 - I sent a letter to Veros credit to validate a debt that reported on my credit. I received no response. On XX/XX/2022 I sent a letter to cease collections and credit bureau reporting. They sent a letter back, asking me to give them all the information they I asked them to provide... which is my right under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
If they are reporting an account on my credit bureau they by law need to provide me with the information, I obviously dont know what the account is otherwise I wouldn't be requesting the information that they placed on my credit report. 

I have attached all supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: I.C. System, Inc.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 604 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 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 




In accordance with the fair credit reporting act I C System # XXXX has violated my rights. 

15 U.S.C 1681 section 604 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 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have sent them several registered letters and notices to the CEO and CFO of Select Portfolio Servicing Company asking for a complete audit and source of money on the account. They repeatedly acquiescence and continue sending form letters that have nothing to do with what I have asked for. This fraudulent and blatant treatment needs to have an end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX cancelled my student loans by executive order. I graduated from XXXX XXXX  and the program I enrolled in did not provide me with the tools and knowledge to become a XXXX. I earned a XXXX XXXX XXXX in XXXX. 

I filed paperwork a few years ago to get the loans discharged. Great Lakes has simply refused to discharge my student loans. 

My student loan balance is not accurate and should be at XXXX i.e XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
this collection agency never sent me any written notification that the debt was the debt was valid and not outdate. possible violated FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc
State: FL

Complaint narrative:
I was notified by XXXX XXXX with Bay Area Receivables , Inc. ( Address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) Email : XXXX that I owed a debt from XXXX XXXX XXXX in the amount of {XXXX}. The agency had reported this debt to the collection agencies. 
I stated that this debt was originally sent via XXXX XXXX XX/XX/XXXX via XXXX ( XXXX  ) but was not cashed. A check was resubmitted on XX/XX/XXXX and the check was finally cashed on XX/XX/XXXX. I sent this information via email with the claim details and check number on XX/XX/XXXX. 

On XX/XX/XXXX she claimed to have researched this information and stated the bill was not paid and I owed the balance and fees for collection. 

On XX/XX/XXXX I contacted XXXX XXXX and spoke with " XXXX ''. They handle the billing for XXXX XXXX XXXX. I gave her the claim details and check number. After some research, while I waited on the phone, she stated that she " found '' the check and would notify Bay Area Receivables. 

I again notified Bay Area Receivables. Then on XX/XX/XXXX I sent a copy of the check that had been submitted on XX/XX/XXXX and was cashed on XX/XX/XXXX. They did not notify the credit agencies and then I had to file dispute of claims with all 3 agencies. 
Bay Area Receivables has also not notified me that this was resolved and a correction made. 

I have Proof of Payment from XXXX that shows the cashed check for {XXXX} that was for payment of this claim. 

I also want to be refunded the fee that was charged to my credit card on XX/XX/XXXX for {XXXX} for " transaction fee '' as this was the error of XXXX XXXX, XXXX XXXX XXXX and Bay Area Receivables. 

I have spent hours dealing with this and Bay Area Receivables for a claim that was invalid and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: IL

Complaint narrative:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-04-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Synovus Bank
State: GA

Complaint narrative:
I have a " Synovus '' in house loan on a rental property that is listed as a commercial. loan.

Took out the Loan in XXXX or XXXX of XXXX. Have been paying over 6 %. Paid XXXX to XXXX down on signing loan. I tried to refinance and take out some equity and was denied stating that I was not " profiting on property '' Which I never intended to. Just planned on renting it and making payments to have for the future. 

I paid XXXX down initially on a {$100000.00} loan. Only owe {$40000.00}. 

Property is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Loan # ends in XXXX Thru SYNOVUS Bank which use to be XXXX XXXX XXXX. 

Banked with them for many years. 

Please help if you can. Thank You XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-06 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:
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 2022-04-06 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: TX

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 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am a natural person/not a third party company I contacted portfolio recovery associates LLC Regarding an alleged debt claimed that I owed. An consumer defined in the FDCPA is obligated or alleged obligation same meaning as the word debt. They failed to provide me 5 validation that constitutes that validates a debt pursuant to 15 usc 1692g the first time they contacted me. I requested 5 validation of the debt for them to provide to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
They never validated the debt with original signed contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
US BANK FROZE ACCESS MY ACCOUNT FOR NO REASON WITHOUT INFORMING ME AND WHEN I CALLED INTO CUSTOMER SERVICE TO SEE ACTUALLY WHAT WAS GOING ON WITH A TRANSACTION THEY FRAUD DEPARTMENT AGENT TALKED INCESSANTLY AND AS IF HIS INCOMPETENCE LED TO A PROLONGED EXTENDED DIALOUGUE OF UNNECCESSARY REPEATED INFORMATION SO MY ACCOUNT HAS BEEN LOCKED FOR A REASON I HAVE NO IDEA AND I CAN NO LONGER CONTINUE WITH THE DISPUTE I NEEDED TO FILE BECAUSE OF SOME SLOW TALKING XXXX ON THE XXXX PHONE WASTING MY XXXX XXXX XXXX XXXX XXXX XXXX TIME

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

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 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2022 and XX/XX/2022, I sent {$350.00} payments to XXXX XXXX on venmo to receive services in the form of tattoos on XX/XX/2022. XXXX did not provide me with the tattoos and has not provided me a refund. I reached out to venmo to try to take action on XXXX XXXX account on multiple occasions and to possibly be granted a refund. My first interaction regarding this claim with venmo was XX/XX/XXXX. Thereafter, I tried on XX/XX/XXXX, XXXX, and XX/XX/XXXX. I was told by venmo that I would have to get the money back from XXXX XXXX, or file a police report. However, XXXX has not responded to my messages, and lives in a different state than where I was supposed to get tattood from XXXX XX/XX/2022 I reached out to the shop owner he rents space from XXXX XXXX XXXX XXXX, XXXX XXXX NC ) and explained to him the situation. The owner of the shop reached out to me on XX/XX/2022 and told he has been let go for scamming him, as well as other clients such as myself. From my understanding, XXXX does not intend to pay back anyone he has stolen money from under the guise of tattooing. Therefore this compliant appears to be my last chance at stopping his account so this scam does not happen to anyone else, as well as potentially getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: FL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instruc- tions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) XXXX departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards. ( XXXX ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case

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 2022-04-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm filing a complaint on XXXX, Experian and XXXX XXXX. I sent XXXX, Experian and XXXX XXXX a XXXX letter disputing information on my credit report and asking them to show me proof of the information on my credit report is accurate. The letter was sent back in XXXX dated XX/XX/2022. Under the federal law they have 30 days to complete an investigation and 15 days to let me know what information they have found during there investigation. It has been over 45 days and I have not receive a response from XXXX, Experian or XXXX XXXX. I've sent them a 30 day to comply letter and I have not receive a response for that letter either. Below I have attached a copy of the XXXX letter and the 30 day to comply letter.

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