vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover has been disclosing my personal information to third party entities without having provided me with my right to opt out of such action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to address the collection activity by Resurgent Receivables, LLC on my credit report. I have noticed a collection account that I am unaware of and have no knowledge or obligation to Resurgent Receivables, LLC. Ensuring the accuracy of my credit report is important to me, as it reflects my true financial standing. I believe there may be an error or misunderstanding, and I am committed to resolving this issue. I kindly request a thorough investigation into the validity and accuracy of the collection account. I ask Resurgent Receivables, LLC to provide clear and verifiable documentation supporting the existence of the debt and my obligation to pay. During this investigation, If Resurgent Receivables, LLC can not provide sufficient evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: WA

Complaint narrative:
There is a bankruptcy eventhougt the name, lastname and birthday match the social security and the state I have live since XXXX until today XX/XX/XXXX does not match. 
I found out when I tried to get a loan for a home and they asked me about it, it sorprise me when they ask how long I have lived in XXXX XXXX, I have never live there, I have always received calls about student loans and other debts but I thoug it was fraudulent calls since by that time I didn't own a single credit card, my first Credit card was issued on XXXX before that I used to pay everything cash.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW Financial Services has been disclosing my personal information to third party entities without having provided me with my right to opt out of such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: SC

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 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 written instructions 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose

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 2023-06-15 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: SC

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 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 written instructions 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose

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 2023-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: VA

Complaint narrative:
On XX/XX/2023 my husband and I started working with XXXX XXXX of Mutual of Omaha-Mortgage to apply for a cash out- Refinance on our primary home. 

On XX/XX/2023, Mutual of Omaha took {$570.00} for an appraisal. Once finding out the company that Mutual of Omaha uses, my husband was weary because looking at the reviews of said company ( XXXX ) they have a 1 star rating with many complaints being low appraisals. 

On XX/XX/2023, our appraisal was completed and on XX/XX/2023, we were sent our appraisal, which came in WAY below what we expected as we are in a very prestigious neighborhood for our area. Immediately I sent additional comps and requested a reevaluation be completed. I was informed by XXXX that he would send everything to his manager as he is the one who handles this, but did confirm that he would follow up. 

Friday, XX/XX/2023 came, heard nothing. Monday, XX/XX/2023 came, nothing. Tuesday I sent XXXX an email, no response. Wednesday, I sent another follow up email, no response. I then forwarded the email to XXXX XXXX ( XXXX assistant whom we had been working with ) an email, no response. Wednesday I send an email copying everyone that we had worked with, including XXXX XXXX REQUESTING AN URGENT RESPONSE, and he called me to tell me that in order to request a reevaluation or rebuttal I would need to ( do what I already did the week previous ) submit additional comps and ask to be reevaluated. I explained to him how his company let me down and he at that point informed me that my loan had moved to withdrawal status due to the appraisal coming in so low. I feel as though this company is scamming people such as myself out of money they already do not have in the first place. I would like either 1. A company that is local and knows our area to come out at no additional charge to appraise our home. Or 2. Request a full refund of the {$570.00} that this company provided the way under appraised price for our home so that we can take our business elsewhere. We know the value of our home and the fact that this company totally dropped the ball on ANY follow up until AFTER being threatened with the XXXX, I find them to be a SCAM as well. Thats bad business. When I asked for a reevaluation, it should have happened that day, as stated. Not our loan going into withdrawal status and then having SOMEONE ELSE ( XXXX the XXXX with the same job title ) reaching out to us AFTER mention of XXXX being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HireRight Solutions, Inc.
State: VA

Complaint narrative:
Hire Right provided my background check results to XXXX XXXX XXXX XXXX XXXX, without my written authorization. They recklessly provided this information, knowing they did not have my written authorization. Per the phone call to Hire Right on XX/XX/2023, I asked the representative for a copy of my written/signed authorization. The representative stated that, she was unable to locate the consent & that the process is to obtain consent was, a email from Hire Right, sent to the email address of the applicant for XXXX XXXX XXXX XXXX XXXX, to have the background check conducted & to authorize those results to be sent to XXXX XXXX XXXX XXXX XXXX None of that happened. I never received an email & they knew they didnt have my authorization, however, they sent my information to XXXX XXXX XXXX XXXX anyway. To this date, neither XXXX XXXX XXXX XXXX, or Hire Right can provide that written consent ; because it doesnt exist. I was also fired from my job due to this negligence as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance Owed : {$28000.00}.

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 explanation
Consumer complaint received 2023-06-15 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: NY

Complaint narrative:
For some time I have tried to resolve my issues with Equifax, I sent their company a Cease and Desist on XX/XX/2023 to stop reporting unverified accounts on my Consumer Report. XXXX has stated that no institution can share a consumer nonpublic information to a third party without consent : Pursuant 15 U.S.C 6802 without consent is " Identity Theft '' XXXX has also stated that a Consumer Report does not include <report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant 15 U.S.C 1681a ( 2 ) ( a ) ( i ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. Pursuant 15 U.S.C 1681i I also have proof Equifax took more than 30 days to handle a proper investigation. 

( XXXX ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or seller

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: MO

Complaint narrative:
After review, it was determined that XXXX accounts were opened fraudulently under my name. I reported the accounts and sent the FTC documentation of fraud to Salle Mae on XX/XX/XXXX. The loans are for {$20000.00} and {$5900.00} first disbursed on XX/XX/XXXX and XX/XX/XXXX. Sallie Mae said if they required further information, they would reach out to me. I received no follow, no notification of investigation, no response whatsoever until XX/XX/XXXX where they reapplied the loans to my credit and damaged it further. I was never once contacted by Sallie Mae after sending in all of the documentation from the FTC. They only offered one explanation for why the loans were removed then reapplied by stating " we could not confirm identity theft. '' After XXXX days passed, on XX/XX/XXXX, Sallie Mae responded stating they could not confirm identity theft however, they also did not state they could deny it. The family member who took the loans out and had access to my information has since passed before I was aware the loans even existed. Sallie Mae was also provided the FTC 's letter of notice to furnishers. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XX/XX/2023 purchase of {$410.00} on American Express for shoes from online company XXXX. Shoes received via XXXX on XX/XX/2023. XXXX picked up the shoes on XX/XX/2023 to be returned to the original shipper in XXXX. XXXX confirmed the shoes were signed for by the original shipper on XX/XX/2023. Followed up with XXXX as to my credit of {$410.00} for the return. XX/XX/2023 I contacted Amex to dispute the charge as I had not received the credit due. The dispute was processed by American Express. XX/XX/2023 XXXX advised me that they had a package from XXXX ( XXXX shipper ). I contacted XXXX, XXXX, and Amex and advised that I would NOT accept any package from this shipper. XX/XX/2023 XXXX sent an email advising that they would not accept the return and would not be crediting me as the shoes were returned " worn '' .Emails were sent by me to XXXX stating clearly that the shoes were never " worn '' by me and were returned in the EXACT same condition as shipped. Amex opened and closed the dispute 7 times and as of XX/XX/2023 rebilled me for the returned shoes. XXXX redelivered the shoes to XXXX 's XXXX shipped and were signed for on XX/XX/2023. XXXX and it's Third Party supplier in XXXX conspired to refuse the credit, both companies have been paid thru Amex, and they have the shoes to RESELL. I the Amex Cardholder have been billed and bilked for {$410.00}. Amex as of XX/XX/2023 said they have closed the dispute but do acknowledge that I have been charged for merchandise that I do not have. They agree that XXXX and the Third Party supplier have the shoes and will resell them. This is their business scam but will not reverse the charge of {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: SC

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 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 written instructions 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: VA

Complaint narrative:
Edfinancial Services XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX SS # : XXXX XXXX : XX/XX/XXXX Account # : XXXX RE : PLEASE UPDATE MY NAME ASAP To Whom It May Concern : Ive recently been informed that my loan has been transferred to your organization. Apparently, my name was listed incorrectly as XXXX XXXX XXXX, however, my legal name is XXXX XXXX XXXX. 
Please be advised. I have attached proof of identification and proof of address. 

Sincerest Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023 I opened a business platinum money market account ( Account # XXXX ) with US bank because they were running an online promotion that after having a minimum {$25000.00} deposit in the account, I would get a bonus interest of 4 % for the first 6 months. My zip code for opening the account is XXXX. My deposit was above {$25000.00} ( approximately {$190000.00} ) after XX/XX/2023. 

Unfortunately, I have only gotten 0.25 % interest rate on it so far giving me a total paid interest of {$38.00}. My account still reflects an interest rate of 0.25 %. When going on the website, even at this time ( https : //www.usbank.com/business-banking/business-bank-accounts/business-savings/business-money-market-accounts/platinum-business-money-market-account.html ) you can see their promo is now increased to 4.5 % Interest. 

So far, I have had multiple phone calls with US bank and every time, I get pushed back with saying a supervisor will be in contact with me and this should be resolved soon. I even filed a Case ( Tracking # XXXX ) and have had my last phone call with XXXX XXXX and her Supervisor XXXX on XX/XX/XXXX. There has been no resolution on the issue so far. 

To resolve the problem, I would appreciate that I get the promised interest of 4 % applied to my account and I am paid the interest that I am owed since XX/XX/XXXX on this. Enclosed is an attachment of the PDF of the website showing the current promotion that is going on for 4.5 %. 
I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address or by phone at XXXX or by email XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I tried to contact Jefferson Capital to obtain information which is currently on my credit report as a collection. I tried calling It's all automation, when I put in my information it states my account is being handled by yet another company and states to hang up and call another phone number/ company. I tried using Jefferson Capitals online service but when I put in my information online it states they can not find my information. If I owe anyone I'm willing to pay but I need proof of what I owe and whom I owe. I do believe they're using false tactics in order to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation