vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: OH

Complaint narrative:
On XX/XX/2022 the consumer completed an online credit application with Lendmark Financial Services and after completing the application the consumer has become a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code 1602 ( p ) and being " discriminated against '' pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Futhermore, Lendmark Financial Services has obtained the consumer 's " consumer report '' under false pretenses pursuant to 15 U.S.Code 1681q because Lendmark Financial Services does not have " permissible purpose '' pursuant to 15 U.S.Code 1681b. Pursuant to the Consumer Credit Protection Act, including but not limited to, Truth In Lending ( 15 U.S.C 1601 et seq ), the Fair Credit Reporting Act ( 15 U.S.Code 1681 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.Code 1691 eq seq ), Lendmark Financial Services actions are of the following " unauthorized use of credit '', " obtaining information under false pretenses '' and " discrimination '' which is a civil violation ( 15 U.S.Code 1681n, 15 U.S.Code 1681o and U.S.Code 1691e ) and criminal violation ( 15 U.S.Code 1611 and 15 U.S.Code 1681q ) with respect to the consumer.

On the online credit application by Lendmark Financial Services, the consumer provided two ( 2 ) " credit cards '' pursuant to 15 U.S.Code 1602 ( l ) existing for the purpose of obtaining money on credit. The first " credit card '' the consumer provided was the consumer 's social security card, the second " credit card '' the consumer provided was the consumer 's drivers license. Both cards were then " accepted credit cards '' pursuant to 15 U.S.Code 1602 ( m ) and upon completion of the online credit application the consumer received no benefit from this transaction. Lendmark Financial Services sent a letter of " Adverse Action '' to the consumer stating that " In compliance with Regulation B ( Equal Credit Opportunity Act ) ... your recent application for credit has been declined/terminated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have attached and FTC report with an account and inquiries that are fraudulent and I didn't authorize them

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 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
This company is reporting information without my consent in which it states i owe such debt to this collection which is not in fact the original creditor this is false pretenses This company have violated my consumer right under 15 U.S. Code 1692j - Furnishing certain deceptive forms.

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 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENNTITY THEFT, AND I NEED THESE ITEMS REMOVED FROM MY CONSUMER REPORT. THIS IS STOPPING ME FROM GETTING A HOME, THESE ITEMS WAS NOT OPENED BUT ME AND NEED TO BE REMOVED TODAY

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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased 10 {$100.00} MasterCard PrePaid cards at XXXX. I was scammed and they used all 10 cards at a company called XXXX. As soon as I realized it was a scam I called the number on the back of the card and reported the fraud. The agent took the information on all 10 cards and told me it was being submitted to the claims department. I received an electronic document to sign to acknowledge the fraud and it listed only 1 card for {$100.00}, I signed the document and immediately sent the company an email asking about the other 9, I also called and was told the other 9 were part of the case. The email response I got back was they were working on the case. I just received ONE replacement card for {$100.00} and was told the case was closed. I've tried calling multiple times this week and have spent up to 30 minutes waiting on hold with no one answering. I've also sent emails with no response. I have no other way to contact them to resolve this. 
I've been calling XXXX and emailing XXXX My dispute case # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. 
The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX. 
I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. If you need to please contact the creditor to obtain verification of this alleged debt. 
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. 
Please acknowledge that you have received this notice within 14 days. 
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX  XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: TX

Complaint narrative:
XX/XX/XXXX I tried to contact US Bank to obtain bank statements for all of my closed accounts due to a pending divorce. After being on the phone for over 2 hours and after being transferred numerous times, I was told they only had record of one of my accounts ( I believe I had 8 accounts ). I was able to give them the account numbers for other accounts but they claimed they did not have any records. My savings and checking accounts were listed on the one account the bank was able to find, yet they still claimed they had no record of the account. I closed the accounts in XXXX and need documentation in the form of statements.

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 2023-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
My home was destroyed by XXXX XXXX on XX/XX/XXXX. Truist Bank offered me " forbearance '' in XX/XX/XXXX, while we were trying to obtain payments from our insurance companies. I have contacted Truist Bank numerous times to find out how my insurance checks could be applied to " pay down '' my balance and have been left on hold for hours and hours over the past months, switched from department to department with no resolve, and then disconnected by Truist with never a call back. On XX/XX/XXXX I sent them {$330000.00} in insurance checks via certified mail with a letter requesting that they be applied to my mortgage balance. On XX/XX/XXXX they applied these checks ( with the exception of a {$9500.00} check that is in limbo somewhere ) as a " restricted escrow deposit ''. I have once again contacted them today to rectify and explain this situation to me. I have just spent over 3 hours being switched around to different departments, left on hold for 56 minutes, and then ultimately " disconnected '' on their end. Once again, no return call. In addition, my online account with Truist includes late fees and a disbursement for " prop insp service '', with no explanation. I WANT to pay them off and proceed with a construction loan with a different bank to rebuild my home, however, they are hindering that progress daily.

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 2023-04-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
My name XXXX XXXX, a federally protected consumer, and I am making this complaint against Ability Recovery Service for committing identity theft. I have never given Ability Recovery Service any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). I am legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Ability Recovery Service can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and Ability Recovery Service continues its collection efforts, I will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028 A. extortion, theft by deception, securities fraud, and mail fraud. Also do you have a SSA - 89 Form can u please tell me you have this on file. Upon the receipt of documents herein and of this Notice, you are hereby notified Pursuant UCC 1 - 202f. Your prompt Attention and Response are both requested and required. Ability Recovery Service # : - 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 2023-04-11 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: NY

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well.

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 2023-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: UT

Complaint narrative:
IC System has been calling me every day for weeks. This is allowable. However I have answered the call 2x. The first time the call took several seconds to connect then once connected it dropped immediately ( XXXX ) - a violation of the TCPA worth {$500.00} minimum as it is apparent they are using an autodialer. Today I answered the call and the agent refused to identify herself and failed to provide the miranda statement after asking for my wife. 

I called back and the agent told me they do not have to identify themselves unless they know who they are calling. I escalated to a supervisor who LITERALLY tried to collect a debt without giving the miranda after finding out who I was, I hung up on the call.

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 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have attached an FTC report with 3 fraudulent account and fraudulent inquiries I did not authorize

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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX my account was closed and {$11000.00} was debited from the account after 3 years going back and forth. The bank claims they sent the money to someone else. They have not provided proof of whom they sent the money to. This has been going on since XX/XX/XXXX. I filed a complaint then and nothing happened. I filed another complaint on XX/XX/XXXX thats when the bank decided they had made their interest and fees They finally gave me access to the account and lifted the freeze after 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2023 at XXXX XXXX. My account information including my email, phone, and password was changed on my Chime bank account. Within the next hour roughly {$20000.00} was transferred out of my bank account to various destinations. I did not authorize any of the changes to my account or any of the transactions Ill list below. 

The first was a transfer to user XXXX  XXXX for {$5000.00} dollars. I did not send or authorize to send any money to this user. This transfer has since been disputed and has been deemed and error and I have had funds returned. 

Starting at XXXX XXXX  the same day, a string of 7 transactions took place without my knowledge or consent totaling {$10000.00}. There were payments to two different websites I have never visited or received any services or products from either website. I have disputed these transactions and Chime has determined there to be no error, which is false. 

The last fraudulent item was a Chime credit builder account that was opened in my name which was not authorized by me. The account charged {$5300.00} to websites I have never visited or received anything from. Chime has also determined that there was no error here, which is again false. 

Chime provided no documents or feedback pertaining to the investigation in the email that let me know their were no errors found. 

I have made a rebuttal and requested Chime show me their investigation. I also have filed a police report with the XXXX State Police # XXXX. They are currently investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Last year I discovered a fraudulent account on my credit report from Credence Resource Management originating from XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft and this account was created without my knowledge. The account was created in XX/XX/XXXX ( XXXX account # XXXX ). I found the account in XX/XX/XXXX and began disputing it. On XX/XX/XXXX I filled an identity theft report with the FTC ( FTC report # XXXX ) and filled out XXXX XXXX XXXX XXXX XXXX XXXX identity theft form ( incident # XXXX ). 


The account was removed from my credit report and I thought the matter was resolved. 


On XX/XX/XXXX the account reappeared on my credit report. I tried contacting XXXX XXXX XXXX XXXX XXXX XXXX at the number I was given ( XXXX ) many times but I only got a busy signal, not even a voicemail. I have no other way to contact them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well.

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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Ach payment went to wrong account and the bank is saying they have no records of Ach payment even though I submitted trace number stating bank accepted funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I disputed a purchase i made at food 4 less. Super market the bank declined on. Reimbursing me with the funds. That came from my finances $ account. No good cause or legitimate explanation was given to me.The items i tried returning. I do in fact have a receipt in my possession.

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 2023-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management sued me while I was in good standing with a settlement agreement through XXXX XXXX XXXX on the first of three accounts held. 

All three accounts are from defaulted credit card debts. They continue to report the collection balances higher but as stated they sued me on the second account they held while I was making monthly payments on the first account. They are the only collection on my credit report & have also put a lien on my Fed tax return. I just couldnt afford to pay on all three accounts simultaneously but was in good standing on the first account when they sued me.. They sued me for {$1700.00} on an original default of {$600.00} credit limit. I settled the first account they held ( synchrony bank ) and paid it off a couple months early in good faith, prior to realizing that they sued me. In total they received {$2500.00} on the first account & dont deserve a penny more due to their unethical practices. I wouldve negotiated on the other accounts if they hadnt been so impatient & wanted me to pay on all accounts simultaneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TN

Complaint narrative:
Credit Reporting Agencies listed illegal information in pursuit to Section 15 USC 1681A.

Company response to consumer: Closed with explanation