vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX states they retain ownership of Account Name # XXXX If this is factual who is Fair Collections & Outsourcing , Inc . I have no contract with this institution and FCO is illegally reporting private information on my consumer report without my permission or consent. Under 15 USC 6801 Protection of nonpublic personal information by way of 6801 ( a ) Privacy Obligation Policy. XXXX XXXX XXXX XXXXXXXX has fail to protect my privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Under 15 USC 6802 obligations with respect to disclosures of personal information according to 6802 ( a ) Notice Requirements except as otherwise provided in this subchapter, a finical institution ( Greens at Nutters Chapel ) may not directly or through any affiliate, disclose to a nonaffiliated third party ( FCO ) any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
Disclosure of Institution Privacy Policy. 
I was never given the option to opt out by XXXX XXXX XXXX XXXX who disclose my nonpublic personal information to ( FCO ). According to section 1681s-3 of 15 US Code 1681 a " Definitions ; rules of construction Congress states that reports should only contain information soley as to transactions or experiences between the consumer ( XXXX XXXX and the person making the report ( XXXX XXXX XXXX XXXX ) I have asked that ( FCO ) cease and desist reporting my information unless they are able to provide ( A ) clear and conspicuously discloses from XXXX XXXX , in writing or in electronic form or other form permitted by the regulations prescribed under 6804 of this title that such information may be disclosed to such third party. ( B ) Please show where XXXX XXXX was given the opportunity, before the time that such information is initially disclosed to such third party; and ( C ) Please show where XXXX was given an explanation of how the consumer can exercise that nondisclosure option.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Experian is reporting an inquiry from XXXXXXXX XXXX  from XX/XX/2023. I have not authorized this inquiry neither or has a business with this company.

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 2024-02-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company
State: AR

Complaint narrative:
I wish I never used this company. They will get you to spend more money on fees than they will ever save you in money. Their promise is to settle your debt and make sure you pay less on your debt, saving you money. I have now paid {$2000.00} in fees alone and they have saved me a sad {$1200.00} in settlements.I have {$2200.00} more in fees to pay over these next 3 years. I have one more settlement to be done. Overall, I owed {$11000.00} in debt. Once this program is through I will be paying at least {$13000.00}. My credit went from XXXX to XXXX over these 8 months of being with JG. I will be lucky if my credit ever gets better. It will be 3-5 years at least. In these 8 months of working with JG, I have paid them {$2000.00} and only {$15.00} of that has gone to my debt. If I knew I would be paying {$2000.00} to get terrible credit and still owe another {$11000.00} at least, I would have never signed up. I will be paying more than what I originally owed in debt and have terrible credit for many years to come because of this program. The communication is terrible and they dont explain anything to you. I have never been contacted by them in 8 months, I have to reach out every time and try to figure out whats going on. They switched websites during these 8 months and I never even got an email telling me they are using a new site with a new customer portal. I was left in the dark about everything. I am getting taken advantage of and all my money is being spent on fees. I would be in such a better place right now if I got a personal loan, paid off my debt and then pay a monthly amount to my loan. I thought getting debt consolidation would be smarter but Im in a world of trouble because of it. Im hoping I dont get sued by my creditors as well, like many jg customers have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below XXXX XXXX XXXX XXXXXXXX Items Highly Requested The persons name they verified the dispute with The documentation original contracts used to validate the dispute. 
Also the procedures your company has in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CAN'T PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below XXXX XXXX XXXX XXXXXXXX Items Highly Requested The persons name they verified the dispute with The documentation original contracts used to validate the dispute. 
Also the procedures your company has in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CAN'T PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal action.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed a Fraudulent account that are being reporting duplicate accounts by the same data furnisher XXXX XXXX {$1100.00} and account {$12000.00}. XXXX XXXX 2 different accounts {$23000.00}. This is inaccurate information due to duplicate reporting. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. Lawrence v. Kenosha County, 391 F.3d837, 481 ( 7th Cir.2004 ). Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report {$44.00} information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( Westra v. Credit Contral of Pinellas, 409 F.3d 825.837 ( 7th Cir.2005 ) XXXX XXXX XXXX {$440.00}

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 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I deposited a check for {$69000.00} to Wells Fargo business checking account on XX/XX/24, the receipt I received stated that funds will be available on XX/XX/24, however on XX/XX/24, I received an email from Wells Fargo stating that the funds will be held until XX/XX/24, due to deposit excess. I have deposited larger checks before and it cleared without any issues. I have been banking with WF for 5 years. My account is in good standing, I never had a check returned. So I called WF and was told they can not remove the hold, they will release {$5000.00} on XX/XX/24 however the remains {$64000.00} will not be released until after XX/XX/24. Again, I have deposited bigger checks and they cleared with no issues. I dont understand why my funds are being held. This is a business checking account and I have multiple workers to pay. Please help me with resolving this issue with WF. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My previous loan terms with PHH mortgage prior to requesting forbearance assistance due to COVID-*under Cares Act-initial interest rate 2.875 % with mortgage payment of {$1400.00} loan maturity date XX/XX/XXXX, loan balance {$310000.00}. 

I requested forbearance on my existing loan in XX/XX/XXXX and requested to resume payments in XX/XX/XXXX. During the forbearance period I was unable to make any payments- ( see attachment from payment portal ) even though the PHH confirmed I could make payments during forbearance. It took several months to process the modification and finally I was approved and received the loan modification terms- ( only 1 option available ).

PHH proposed my new term : New principal balance $ XXXX ( original loan amount was {$320000.00} at time of purchase in XXXX ) : Interest bearing principal balance- $ XXXX ( VA loan guaranteed {$94000.00} ), interest rate 7.125 % - ( previous interest rate 2.875 % ), loan payment {$1700.00}, maturity date XXXX ( 5 YEARS ADDED TO LOAN TERM- {$100000.00} ) - This appears to be in violation of the Fair Lending Act and PHH failed to offer ALL products available- ( only1 option offered ) and under the VA Loan-the mortgage provider can not ask for the lump sum payment- ( which this was the only option offered I am a XXXX veteran and a XXXX XXXX ( XXXX  ) and contracted XXXXXXXX XXXX XXXX during the pandemic. I suffered a financial hardship during the Covid Pandemic. PHH approved my mortgage forbearance in XXXX ( NOTE I WAS NEVER ABLE TO MAKE ANY FULL/PARTIAL PAYMENTS DURING FORBEARANCE PERIOD-SEE ATTACHMENT FROM PAYMENT PORTAL ). Programs like the CARES Act were put in place to assist individuals financial impacted by the COVID pandemic and to prevent further financial hardship. 

I requested a forbearance for 12 months- ( approx. {$18000.00} of mortgage payments ) PHH is practicing predatory lending practices by seeking financial gain due to the COVID pandemic. PHH proposed an increase in my interest rate- ( partial amount due to VA guaranteed loan ), increase in mortgage payment, and ADDED 5 YEARS TO THE LOAN- ( TOTAL {$100000.00} ). THIS IS THE ONLY LOAN PRODUCT PHH OFFERED WHICH INC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/2024 I attempted to open up a Citizens bank online. I was greeted with this message : " Thank you for your application. 

Were sorry, but we are unable to open your account at this time. 

Our decision was based on information provided to Citizens by XXXX XXXX XXXX. XXXX XXXX XXXX did not make this decision and is unable to provide you with specific reasons why we are unable to open your account. However, you have the right to receive a free copy of your consumer file from XXXX XXXX XXXX provided they receive your request within sixty ( 60 ) days from today. '' I've also attempted to open up accounts in the past, including in person which generally result in the account opening successfully, then Citizens back office closing the account without explanation. Last successful account opening was acc : XXXX which Citizens closed without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I SENT A WRITTEN LETTER TO THE THREE REPORTING COMPANIES TO ACCURATELY MAINTENING MY CURRENT ADDRESS AFTER I EXPERIENCED IDENTITY THEFT SITUATION USING MY PREVIOUS ( 2 ) ADDRESSES. HOWEVER, ONLY XXXX DID AS REQUESTED. 
ATTACHED IS A COPY OF MY MYSCOREXXXX REPORT

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 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express advertises that it will provide XXXX access to sign up offer terms if a customer contacts them through their customer service channels. However I reached out enquiring about my sign up offer the representative was unable to verify the offer terms and I was told that I would have to reach out again in 5 business days. Because I was not immediately provided with the offer terms I did not meet the required spend by the set date. The initiative was left with me to reinitiate contact, but because I was not told the offer terms nor with any sort of specific estimate of required spend I could not reasonably have known that I was in danger of not meeting the requirements. Their explanation is that I could check my chat history but this is verifiably false, the chat history available to me in their app ended in XX/XX/XXXX and I was last provided with the sign up information in XX/XX/XXXX. American Express did not provide me with a reasonable method of tracking my spend requirements in a timely manner and so I unable to reasonably meet the advertised sign up bonus. It is reasonable to expect a credit card company to furnish the customer with the necessary information in order for them to meet an advertised sign up offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX/XXXX  ( XX/XX/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 non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
Several weeks ago my card was compromised and I was alerted by 5/3 bank that there suspicious activity. I saw several unrecognized charges from " XXXX '' on my account. I haven't had hulu for years and the last time I had a subscription through them was tied to an entirely different bank. Additionally, the consecutive charges from XXXX were suspicious. I called 5/3 and they froze my card at my request, but didn't remove the charges. Apparently, that's a different phone number that I would have to call at my convenience to have those charges removed... I called the other number and contested those charges... which then took forever to get a " provisional credit '' for. I received a new debit card and today .... once again, a charge from XXXX pops up on my account. I would call 5/3 directly, but they're obviously quite inept at handling fraud and push all the work on to the customer. They'd probably just want to issue me another card and it would happen all over again...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
They are in clear violation of my consumer rights and need to remove and update reporting.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I exercise my right to opt out and be forgotten in your database you have sold my data to third parties, deprived me of my right to freedom for failure to correct your reporting causing harm and for use of my name in trade privately. I demand for the CFPB to hold this company accountable and remove all reporting plus provide compensation. 

Right To Opt Out -17 CFR 248.124 - 1016.7

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RFNA, LP
State: GA

Complaint narrative:
I exercise my right to opt out and be forgotten in your database you have sold my data to third parties, deprived me of my right to freedom for failure to correct your reporting causing harm and for use of my name in trade privately. I demand for the CFPB to hold this company accountable and remove all reporting plus provide compensation. 

Right To Opt Out -17 CFR 248.124 - 1016.7

Company response to consumer: Closed with explanation