vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
When I checked my report I noticed Some has opened a FRAUDULENT Phone in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: NJ

Complaint narrative:
When I checked my report I noticed Some has opened a FRAUDULENT Phone in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have had a checking account with Chase that I use off and on for several years now. In XX/XX/2023 it did not have any balance attached to it for but suddenly got hit with a {$12.00} " Monthly Service Fee '' which would have become and overdraft fee if I hadn't caught it. Chase reversed the fee but it should be illegal for banks to charge fees like this. I have closed my account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
Dynamic Recovery Solutions somehow has gotten my phone number and proceeded to call me and even texting me- a feature I NEVER opted into - in order to collect a debt my deceased father owes. They must have somehow gotten notification of his death in XXXX and have decided it's appropriate to harass me in the months following his death over a debt because I haven't received these texts prior. It's also important to note I was not on my dad 's phone plan for years so them obtaining my number doesn't seem legal either. My father had no estate and I am not obligated to pay this debt. How they got my number, which is also on the national do not call list, and then have proceeded to opt me into communications with them all while I'm still grieving the loss of my only parent is horrendously disgusting and, based on what I've read, not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
NOTICE OF DISPUTE! 
I had a credit card account with CELTIC BANK which was charged off after I asked the bank to show me the full accounting on my account. Now I have a collection on the Credit reporting agencies that XXXX IS NOW THE CREDITOR of this charged off account and has placed a collection status. I don't know this company, nor do I have a contract with them. They have defamed my character, slandered my credit and invaded my privacy! I know now that credit card account are non-transferable and non-negotiable. Please explain how this company I don't have a contract with can claim to be the creditor and try to collect on a non-negotiable, non-transferable account that has allegedly been charged off after I asked to see the books on it? Isn't that fraud? Doesn't Celtic Bank have an obligation to me under T.I.L.A to show me what I asked for+ Since the debt wasn't created until I extended my credit doesn't that make me the Original Creditor in Fact? I know the CFPB just got a {XXXX XXXX settlement from XXXX Bank for not complying with T.I.L.A and violating consumer rights like Celtic Bank did with 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 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am the executor of my fathers estate I called Fifth Third bank and explained I am out of state and I can not go in person to close my dads account The bank provided no method of closing a deceased persons account besides going to the branch which I can not do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Hi I went to mt bank to open a account they failed to open a account and won't let me open account now I need for my ssi money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: FL

Complaint narrative:
EXPERIAN AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. BELOW ARE THE ACCOUNTS AND INQUIRIES 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, Experian, and XXXX, I know from personal experience, are and have been advertise inaccurate credit card match approval odds for quite sometime. This could be a huge class action lawsuit. All of these credit reporting agencies get paid by how many applications they refer from their sites, commonly known as click bait. These companies are advertising personalized matched credit card offers with inaccurate approval odds. This unlawful and unethical business practice which should or may be illegal, is not being enforced and these companies are destroying peoples credit and effecting them financially all so that they can make a buck. False advertising or click bait is advertised in broad day light. With all of the above named companies they have shown me personalized matched offers with approval odds from fair-credit karma guarantee, and or outstanding, Good, and Excellent. Example : All XXXX card require that your application for a credit card be your first or second hard hit, if you have two hard hits and apply for any discover card you will automatically be denied. I have XXXX  hard inquiries currently on my credit, so how can I have outstanding, good, excellent, or XXXX stars matched for you? How when I have XXXX hard inquiries and am guaranteed to be denied how do I even have fair let alone good or outstanding odds of approval? These companies are passing false information off as fact, hurting the American consumers financial footprint so they can make money off of our information. Isnt this illegal on many levels? Not to mention the integrity opportunity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am a victim of identity theft and the contacted companies won't close and adjust accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fold, Inc.
State: MI

Complaint narrative:
Fold locked my bank account on XX/XX/2023. The business requested that I upload identity documents and a selfie. I uploaded them on XX/XX/2023. The business has not unlocked my account, provided a timeline for unlocking the account, returned the money that was in my account to me by check, or compensated me for lost income as a result of the freeze on my funds as of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC
State: CO

Complaint narrative:
I lost my job in XXXX of this year 2023. Due to unemployment payment and other savings we had on hand I was able to keep up with my mortgage payments just fine ( no lates ), until Colorado 's UI system had some kind of automatic investigation triggered on my claim and they stopped paying my UI claim in early XXXX. I know the issue will resolve itself in a few months and I am to continue filing weekly claims until they do, but I was running low on the cash necessary to pay my mortgage, so in early XXXX I contacted Village Capital & Investment, our mortgage holder, to request forbearance - hopefully starting in XXXX and lasting for just a few months. 

I called, spoke to a representative, he took my request, was very positive and helpful and said he'd submit our request, it would take a few weeks, and we got off the phone. He said nothing about an application. 

About a week later I received a letter in the mail saying my forbearance application was considered " incomplete '' because I had not submitted an application. There was no application in this mailed document. I went online through the lender 's portal and emailed requesting the application. About a week later again I received a letter in the mail saying I needed to fill out an application as was my right as an FHA loan holder, but again ... this letter did *NOT* have a forbearance application in it at all. I had tried calling the mortgage company directly and kept getting stuck in a long queue on hold, but which offered the option to " save my place in line and we will call you back ''. 

They never called me back. 

I emailed them a THIRD time on the XXXX of XXXX, this time demanding they send me the forbearance application either digitally through email or mail, because I would like my forbearance to begin in XXXX and it seems now they are stalling/stonewalling the process for some reason. They responded again with a generic : " Greetings! 

Thank you for your email. Please be advised that I have forwarded your email and concerns to Loss Mitigation management as well as the Borrower 's Relations Department ( they handle borrower concerns ) and requested that they reach out to you via phone in order to address your concerns. 

XXXX Loss Mitigation phone number XXXX ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
i don't have an account with XXXX XXXX. please delete from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I made a payment to Selene Finance ( XXXX ) from my business checking account for a mortgage payment of {$1500.00}. 
I have been in contact with the company since Thursday XX/XX/XXXX. I have made several calls requesting a receipt of payment. 
My last call was with a XXXX XXXX on XX/XX/XXXX he made it evidently clear to me that while he acknowledged the payment was made and recorded he can not provide me with any receipt or proof payment. He told me that there was nothing more that he can do. 
As a consumer, I should have received a receipt of payment and it should be an easy process to provide a record of payment when requested. 
I notified the company that I would contact federal regulators and initiate a compliant. 
I will drop the complaint when I receive the aforementioned receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: GA

Complaint narrative:
Inquiries I did not authorize or give permission in writing. 
XXXX and Equifax Credit Reporting agency XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2023-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
A new Credit Card was mailed to my address on XX/XX/2023, that I did not apply for. On XX/XX/2023, I called Capital One to report Fraud and to close down this new credit card. Capital One have noted Fraud on this account and is currently investigating this report. The local XXXX XXXX Law Enforcement have been notified of this Identity theft, and all 3 Credit reports have been reviewed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: IL

Complaint narrative:
EquifaxXXXX XXXX have stated the bankruptcy court verified the bankruptcies on my account the bankruptcies court does not provide the credit reporting information to anybody I will upload my bankruptcy letter Equifax has lied and have violated my rights as a consumer I want bankruptcies removed and all inquiries removed immediately or I will file a lawsuits! XXXX has all approved removing everything from my credit file I have disputed! And also sent out letters to all 3 credit bureaus to remove all disputed information off of my credit file! XXXX says they are not the credit reporting agency for any of these companies! Please remove all information off of my credit report!!!!!! Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: DISCOVER BANK
State: CT

Complaint narrative:
I have had a few Fraud/ Disputes on my Discover card over the time I have had it just like anyone else. 

Discover does NOT want to deal with the fraud and they stall tactic ands till bill / rack up interest while they stall, I have fraud 2 years old STILL not resolved, this is unacceptable. 

Almost my entire balance is fraud or disputed, they stall stall stall then find the charge " Valid ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
Refused to allow me to do banking as a XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/2023 Midland Credit called and threatened to sue me for a debt that should have already been paid. When speaking with the manager I asked for a letter of debt validation and he proceeded to tell me that he did not have to provide that as this was my debt and I owed the money. I asked again and he started yelling and screaming at me that they have sent multiple letters and he didnt have to send anything else. I explained that I have not received any correspondence from them. After he continued to yell, scream and threaten to sue me I eventually just had to hang up because he would not listen to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I paid my XX/XX/XXXX mortgage payment in two different payments on XX/XX/XXXX and XX/XX/XXXX. I had to do that because Rushmore Loan Management changed my balance due AFTER I had already made my usual monthly payment ( which was 2 weeks before the due date ). 

Because I did not send the full amount due, they assigned my payment to principle. When my second payment went thru, they did the same thing. So, it looked like I did not make my XX/XX/XXXX payment. When, in fact, I had paid the full amount by XX/XX/2023. 

On XX/XX/XXXX, I received a default notice from Rushmore Loan Management in the US Mail saying I had not made my XX/XX/XXXX payment, which was false. They threated to begin default processing on XX/XX/XXXX " if I didn't pay '' -- which I already did. 

I have since shown my bank records and proven to Rushmore Loan Management of their mistake. They said they " mis-assigned my payment. '' Clearly their mistake. They admitted it. I can share with CFPB the reference number that connects to my recorded conversation with the Rushmore Loan representative, if needed. 

I wanted to advise you that I believe their loan collection tactics are aggressive, unnecessary and boarder on fraudulent. I have been their customer for more than a decade. I pay every month. They can see that. They made no attempt to reach me or to ask if there was something they had missed. They immediately jumped to default notices. 

It's a disgusting business practice that they are doing.

Company response to consumer: Closed with explanation