vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX XXXX XXXX, doing business for Great Lakes Credit Union, has repeatedly ignored payments I made since XXXX, XXXX, although I have checks showing they cleared the bank and a confirmation number for a payment made over the phone on XX/XX/2022, for the entire balance, including the payment from XXXX which they claim not to have received. This date ( XXXX ) I received notice that I still owe them money, have been reported " delinquent '' to the credit bureaus, and have not made any payments. So the payment I made XX/XX/2022, complete with confirmation number, has not been credited. At this point they owe me money for their misplaced XXXX payment, plus late fees and interest.

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX is reporting that the account was charged-off in my credit report. I don't even know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX and TransUnion have removed this account from my credit reports but, XXXX continues to report this erroneous account. Please remove it from my credit report! The next issue is a XXXX XXXX XXXX  # XXXX .... this account is also reporting as charged-off. Again, I don't know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt and copies of statements showing that this debt is legitimate but they have not sent me anything. I have disputed this account with all 3 bureaus and TransUnion has removed the account but, XXXX and XXXX continue to report the information, please have them delete the account from my credit reports. Moving on, there is a XXXX XXXX Delaware account in my credit report ( account # XXXX .... ) which is reporting as included in Bankruptcy. The bankruptcy was filed in XX/XX/2015 and according to the FCRA, accounts included in Bankruptcy can only report for up to 7 years... It is now over 7 years and I am officially requesting the removal of this account from my credit reports. Finally, the Bankruptcy public record for the Chapter XXXX Bankruptcy filed in XX/XX/2015 should also be removed from my credit reports because the account is now over 7 years old ( filed in XX/XX/2015 ). Please remove all of these accounts from my credit reports.

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX  XXXX XXXX XXXX is reporting that the account was charged-off in my credit report. I don't even know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX and XXXX have removed this account from my credit reports but, Equifax continues to report this erroneous account. Please remove it from my credit report! The next issue is a XXXX XXXX XXXX # XXXX .... this account is also reporting as charged-off. Again, I don't know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt and copies of statements showing that this debt is legitimate but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX has removed the account but, Equifax and XXXX continue to report the information, please have them delete the account from my credit reports. Moving on, there is a XXXX XXXX Delaware account in my credit report ( account # XXXX .... ) which is reporting as included in Bankruptcy. The bankruptcy was filed in XX/XX/2015 and according to the FCRA, accounts included in Bankruptcy can only report for up to 7 years... It is now over 7 years and I am officially requesting the removal of this account from my credit reports. Finally, the Bankruptcy public record for the Chapter XXXX Bankruptcy filed in XX/XX/2015 should also be removed from my credit reports because the account is now over 7 years old ( filed in XX/XX/2015 ). Please remove all of these accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: OH

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am a customer of XXXX ( owned by XXXX XXXX XXXX, Member FDIC, which is part of the Netspend Corporation ) and maintain a checking and savings account with this financial institution. For the period of XX/XX/XXXX - XX/XX/2022, to earn XXXX 's advertised interest rate of 3 %, customers needed to complete 15 transactions and receive cumulative direct deposits of {$3000.00} or more. 

Between XX/XX/XXXX and XX/XX/2022, I completed the 15 transaction requirements ( see attached document for a screenshot from XX/XX/2022 from the XXXX app showing that my transactions qualified ). The qualifying direct deposits were completed on XX/XX/XXXX and XX/XX/XXXX. 

The attached document ( a screenshot from my XXXX app taken on XX/XX/2022 ) clearly indicates that XXXX deemed my transactions as qualifying ( via the tracker shown ), and therefore I should have received 3 % interest on the {$15000.00} balance in the savings account. 

On XX/XX/2022 ( following the close of the XX/XX/XXXX - XX/XX/2022 quarter ) I only received ,2 % interest instead of the 3 % interest advertised and confirmed for my account. I contacted XXXX by phone on XX/XX/XXXX and was informed that I had indeed met the requirements and that the agent 's system showed I met the requirement. For next steps, the agent mentioned that she would contact the escalation team and that I would receive a response in 2 days. As of XX/XX/XXXX I had not received any follow up correspondence from XXXX, and so I called XXXX again. After being put on hold multiple times, the agent during this call ( XXXX XXXX, then stated that my transactions did not qualify and that I would not be receiving the 3 % interest. I informed the agent that XXXX 's tracker indicated my transactions did qualify and that the agent on XXXX confirmed my transactions did qualify, however, he stated that XXXX would not be providing the interest to my account. 

As a result of this outcome, I am contacting the CFPB for resolution. I contend that through XX/XX/2022 XXXX confirmed my transactions qualified, but then after XX/XX/2022 XXXX disqualified those same transactions after the end date of the specific qualifying time period in order to avoid paying out the advertised interest rate. XXXX therefore employed a " bait and switch '' tactic, which I believe falls under the jurisdiction of the CFPB for investigation and enforcement. 

Thank you for your assistance.

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 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I was a victim of romance scam, I may not have the best judgement with my XXXX. But none the less I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have previously sent my ID and bill showing my ONLY verifiable and accurate address. I also sent my social security card showing my ONLY verifiable name. The bureau still has not made this correction and continues to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FCI Lender Services Inc.
State: NC

Complaint narrative:
My deceased mom ( XXXX XXXX XXXX XXXX had a loan with XXXX  XXXX XXXX XXXX and there was a co-debtor on the loan, in XXXX, the co-debtor XXXX XXXX signed a quitclaim deed releasing his rights to the property to XXXX XXXX XXXX. At some point thereafter and while the loan was in default, XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX was assigned a modified version of the note between XXXX XXXX and XXXX. There was no notice of default sent by or on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, but a summons and complaint was filed and served for foreclosure. Several complaints to several agencies has revealed that according to XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX as the servicer for the trust and that I needed to contact XXXX  as XXXX does not get involved with the foreclosure process. I then reached out to XXXX  and initially XXXX  informed me that they have not serviced the loan since XXXX, but after I presented the letter from XXXX, they asked for additional time to respond to the Notice of Error. I had also filed complaints against FCI Lender Services , Inc., because FCI 's accounting records appeared in the foreclosure case file. FCI Lender Services , Inc. responded that they are the servicing the loan at the direction of XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX which is an entirely different trust. Despite the fact that XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX lender, FCI Lender Services , Inc. is unwilling to correct their servicing errors and claim that no errors exist. FCI Lender Services is not contracted to act at the direction of the lender as the lender has provided a written response that XXXX is its servicer. There is clear fraud going on her, but FCI Lender Services , Inc. is remaining steadfast at claiming a default for its client XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX but the loan is not in the trust serviced by FCI and their client is not the plaintiff in the foreclosure.

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 2022-04-07 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: MS

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-04-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Levinbook Law Firm, P.C.
State: NJ

Complaint narrative:
I went through a series of treatments and I was mislead to think I was " covered '' and I was told " no worries you are covered ''. After procedure done, bills started coming like oops we forgot to tell you. 

I was never quoted or asked if I agreed on the amount for the treatment. I know insurance paid the the debt and now they want me to pay it again. 

They send me 4 FDCPA letters alike and with absolutely no description of what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX {$81.00} / XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, US Dept of Education XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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

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 2022-04-07 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: FL

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX {$81.00} / XX/XX/XXXX XXXX / {$4500.00} XXXX XX/XX/XXXX XXXX XXXX/ {$28000.00} XXXX XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed these unauthorized inquiries on my credit report with the lenders and Equifax repeatedly and have not been able to rectify the situation. I ask that you remove these fraudulent inquiries from my credit report : XXXX XX/XX/XXXX Equifax Mortgage Solut XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I currently hold an FFEL loan which is serviced Navient. I began the process of consolidating the loan on StudentAid.gov ; however, the data furnished to the department of education is inaccurate. Interest rate on my loan is XXXX, whereas the data furnished by Navient to the Dept of Education says it is 4.88 %. The consolidated rate quoted by the department of education is 5 % which amounts to a substantial increase in my interest rate if I were to consolidate. I contacted Navient and they maintain their reporting excludes an autopay discount. This practice by Navient of reporting the higher interest rate prevents me and other borrowers from consolidating at a reasonable interest rate because the rounded-up blended rate quoted becomes much higher and discourages borrowers from taking sdvsntsnge of consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: IA

Complaint narrative:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with RMP LLC. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
I was contacted by a debt collector called Phoenix on XX/XX/XXXX regarding a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Stating this was from XXXX years ago, and defaulted XXXX years ago. The called myself, my husband, my estranged brother, and on XX/XX/XXXX my mother in law. 
I spoke with a gal named XXXX and asked for information on this debt, and she couldn't provide it to me unless I told her a number I would be willing to pay to settle this. And once I gave that number I'd be obligated to pay, which I believe re opens the XXXX '. I did had a XXXX 's credit card 10+ years ago, but it was paid off. I have not had one since then. 

The say I owe about {$600.00} to XXXX 's, but now it's over {$1000.00}. I told XXXX I need to talk with my Husband. We then played phone tag and I finally spoke with her today XX/XX/XXXX after she called my mother in law. She still couldn't give me anything in writing, and tried to use scare tactics of court, sued, garnish wages etc. 

I religiously check my credit report/score and was able to pull mine from XXXX and there was no debt on there, or defaulted debt. I know in XXXX the date debts expire is XXXX. 

I had my social security number stolen, and someone applied for unemployment in my name in the spring of XXXX, so this makes me cautious to pay for something I don't think is mine, or have proof of. Supposedly the attorney helping with this sent me a letter, which I never received. 

The said in my first call they have a pending civil lawsuit with allegations of breach of contract and financial fraud. The amount is {$1200.00} and {$650.00} is from XXXX, but this closed is XXXX. Mind you, I have had other loans and a mortgage and this never showed up. 

They said they attorney they were assisting is XXXX XXXX & XXXX, but i can't find any information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: AZ

Complaint narrative:
I received medical care on XX/XX/20 and was billed accordingly. I was paying the bill every single month without ever missing a payment, yet the bill was sent to collections. Upon learning of the bill going to collections, I contacted The XXXX XXXX XXXX directly and on XX/XX/20 I spoke with a XXXX XXXX XXXX who assured me this was all a mistake and it would be removed from collections. Several weeks went by and I paid the entire bill in full and yet the collections statement remained. On XX/XX/20 I contacted XXXX XXXX XXXX XXXX XXXX again and spoke with XXXX XXXX who assured me it should be gone from my credit report within the next few days. I then contacted the Nationwide Recovery Systems ( the collections agency ) and they told me that it was still showing up even though I had paid it in full, but to allow them a few weeks to process everything. Fast forward to present day and I have contacted the Nationwide Recovery Systems , LTD every single day via telephone in order to resolve this matter. I have consistently been hung up on, disconnected and placed on hour long holds without any resolution. At this point this is fraud. The bill has been paid in full for almost an entire year. The debt was NEVER in default to begin with and was fraudulently sent to collections in the first place. I currently owe nothing and am unable to speak directly with anyone from the Nationwide Recovery Systems Ltd. This is fraud and is effecting my credit. It needs to be amended now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Somebody stole my identity and open accounts everywhere.

Company response to consumer: Closed with explanation