vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: AR

Complaint narrative:
XX/XX/XXXX I issued a check, check XXXX, to myself for owner pay. I I pay myself bi-weekly. 
XX/XX/XXXX I deposited check XXXX into my personal account via the XXXX XXXX mobile app. Ive attached a copy of that check to this statement. 
XX/XX/XXXX Upon trying to reconcile my business bank account, I noticed my balance was negative. I immediately called the customer service reps at US Bank and asked them to look it my account. I noticed the check XXXX was debited from my account a second time on XX/XX/XXXX. I didnt authorize this. The reps at US Bank looked into this and reversed the transaction, along with the fees associated with my account going into the negative. 
XX/XX/XXXX XXXX bank sent my check back, because they said it had been deposited twice. They did a review and on XX/XX/XXXX they determined there had not been an error in my account. XXXX unsure where the check was sent back to, because I wasnt alerted by US Bank that I had a return check. 
XX/XX/XXXX I called US Bank and asked them to investigate that 2nd debit again that occurred on XX/XX/XXXX. 
That is when the banker noticed there was a 2nd signature on the original check, that didnt belong to me. It was also a name that I didnt recognize. The check was originally made out to me. I am the only authorized person on this account. 


XX/XX/XXXX - I got a letter from US bank stating that my claim had been approved. I disputed the claim because US Bank recouped the funds from the wrong bank. US bank alerted my XXXX account. They never tracked down where the XX/XX/XXXX transaction was deposited. 

After contacting US Bank several times during XXXX, XXXX and XXXX to ask them to please reopen my case because they recouped the funds from the wrong bank, they denied my request on XX/XX/XXXX. They told me they denied my request because I didn't discard my check. This would be understandable if they didn't already alert one bank. What's different now? US Bank should do the right thing and alert the bank where the 2nd, unauthorized transaction took place.

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 2023-05-26 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:
It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TN

Complaint narrative:
I recently disputed inaccurate accounts on my credit reporting profile with Experian. 

I was recently involved in fraud where my name and social were compromised dealing with these accounts. I sent id verification over to the company per their request. To no avail, the disputed accounts were not resolved. these reporting parties do not have my authorization to report these accounts without my knowledge or consent. I have no contracts with the following companies as stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
On the XXXX of XX/XX/2023 my chime account was totally empty out my savings my credit building account I have been trying everything in my power to receive my funds back..this was my kids account Im begging for help please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: CA

Complaint narrative:
Subject : Formal Complaint Regarding Violation of 15 U.S. Code 6802 and Unprofessional Conduct Dear Sir/Madam, I am writing to formally lodge a complaint against one of your credit supervisors who handled my call on XX/XX/23 at approximately XXXX XXXX  PST. During the call, I encountered an unacceptable level of rudeness, refusal to let me speak, and ultimately, being abruptly hung up on after a prolonged 30-minute wait. This conduct not only violated my rights as a consumer but also failed to adhere to the standards of professionalism and customer service that should be upheld by Equifax.

I believe this incident constitutes a violation of 15 U.S. Code 6802, which outlines the obligations with respect to disclosures of personal information. This provision emphasizes the need for credit reporting agencies, such as Equifax, to handle consumers ' personal information with the utmost care, transparency, and respect. However, the behavior exhibited by your credit supervisor during our call was in direct contradiction to these obligations.

I expect Equifax, as a responsible and reputable credit reporting agency, to investigate this matter thoroughly and take appropriate disciplinary action against the supervisor involved. Additionally, I request that you provide a written apology for the unprofessional conduct and inconvenience caused during this incident.

Furthermore, if this matter is not satisfactorily resolved by deleting all the charged-off accounts, I may be left with no choice but to pursue legal action to protect my rights and seek appropriate remedies. Please be advised that under applicable laws, consumers have the right to seek legal remedies and pursue damages for violations of their rights. I sincerely hope it does not come to this, as I believe that a prompt and fair resolution can still be achieved through your internal processes.

I kindly request that you acknowledge the receipt of this complaint within five days from the date of this letter. I also expect to be kept informed of the progress of your investigation and the actions taken to rectify the situation.

I appreciate your immediate attention to this matter and your commitment to ensuring the protection of consumer rights. I trust that Equifax will take this complaint seriously and initiate appropriate measures to prevent such incidents from recurring in the future. 

Thank you for your prompt action in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: LA

Complaint narrative:
I have been charged for a hospital visit dated XX/XX/XXXX at XXXX XXXX XXXX XXXX in TN. The charge amount posted on my credit is {$1300.00}. I was not at that hospital in XXXX for any reason and I do not live in XXXX. This has been posted against my credit which I have worked very hard to maintain. I received a letter about these bogus charges that I returned as disputing and I have not heard anything about that dispute. I spoke with the Collection Agency XXXX XXXX XXXX XXXX ( XXXX ) and they informed me that they returned the information back to the Hospital and did not pursue me. The hospital sent the debt to another debt collector ( Central Portfolio Control, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ). This collector did not notify me of a debt being collected and posted against my credit for {$1300.00}. I pay my bills and prioritize my responsibilities and this hospital and debt collector has no right to charge me for services which I did not receive and was not even in the state to receive. I believe they obtained my information from a visit dated XX/XX/XXXX. I was there for business and went to the ER at XXXX XXXX XXXX due to illness and I have verification that that bill was paid. This bill was {$420.00} and has been paid in XXXX. I have attempted to correct this situation with hospital billing and they will not help, they hang up and play games as if they can't hear me. This is not a game.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit report is showing both a dismissed XXXX  XXXX Bankruptcy and a discharged XXXX  XXXX Bankruptcy. I have disputed these items several times over the last 9 months but the bureaus continue to respond ITEM VERIFIED to the disputes I've submitted. This is extremely confusing to me because the Bankruptcy court respond to my inquiry to them by stating that they do not report or verify any information to or with the credit bureaus. When receiving notification from the credit bureaus that they verified the information electronically via XXXX XXXX I contacted them. They sent me a notice stating that the information was removed and recommended that I contact XXXX, XXXX and TransUnion to inform them. Nevertheless, with the courts stating that they do not provide any information publicly that includes my social security number or other personal information, I don't understand how the bureaus are claiming that they verified the information. This is a direct violation of the FCRA and must be addressed. These inaccurate and unverifiable public records must be removed from my reports immediately as they are extremely damaging to my file and my well being.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit report is showing both a dismissed XXXX  XXXX Bankruptcy and a discharged XXXX  XXXX Bankruptcy. I have disputed these items several times over the last 9 months but the bureaus continue to respond ITEM VERIFIED to the disputes I've submitted. This is extremely confusing to me because the Bankruptcy court respond to my inquiry to them by stating that they do not report or verify any information to or with the credit bureaus. When receiving notification from the credit bureaus that they verified the information electronically via XXXX XXXX I contacted them. They sent me a notice stating that the information was removed and recommended that I contact XXXX, Experian and XXXX to inform them. Nevertheless, with the courts stating that they do not provide any information publicly that includes my social security number or other personal information, I don't understand how the bureaus are claiming that they verified the information. This is a direct violation of the FCRA and must be addressed. These inaccurate and unverifiable public records must be removed from my reports immediately as they are extremely damaging to my file and my well being.

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 2023-05-26 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: MI

Complaint narrative:
I have five collection accounts on my credit report by three companies called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The two collections from XXXX XXXX XXXX are for {$770.00} and {$540.00}. The two collection accounts from XXXX XXXX XXXX are for {$580.00} and {$490.00}. The one collection from XXXX XXXX XXXX is for {$350.00}. All of these accounts are fraudulent reports for alleged debts that have never been validated and the company never sent me a notice of debt or a chance to even validate the debt. XXXX XXXX XXXX and XXXX XXXX XXXX responded to my complaint on CFPB showing that I was correct, and they notified all three credit bureaus to tell them to remove the collections from my credit report due to the violation. XXXX has started to remove the accounts from my credit report but failed to remove two of the erroneous and fraudulent collections. Experian and XXXX have failed to remove the collections or properly investigate the situation in regard to my FCRA rights. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their reports and scores are so different than each other.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: WI

Complaint narrative:
XXXX {$110.00} I called about 15 times in the month of XXXX to try and get them to understand that I dont owe them a XXXX. One person told me it was because it was a deposit in another person told me that I owe money from when I spent money on the card so now I owe money that theyre claiming that I dont owe and they keep telling you guys that it is a duplicate. It is not a duplicate. I asked them if they can send me something stating that I or deposit with my signature and the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
After having my mortgage at SPS XXXX for 5 Years this company has adopted a new accounting system for Escrow Impound Accounts. Last Year I received my annual accounting statement saying that My Homeowners Insurance went up ( I can not remember how much but it was just a couple hundred dollars or so ). I went ahead and paid that shortage in full to keep my monthly payment from going up. Attached you will find the letter from SPS stating they received the payment and that the account was balanced. This year ( see attached ) they are telling me I am Short {$1700.00}? In reviewing their accounting it is clear my property taxes and insurance went up a combined amount of {$290.00} of which I will pay no question BUT {$1700.00}? When I called to ask why suddenly it's so much after not having any issue for years they told me to see the accounting which I do not agree with. I am off {$290.00} Not {$1700.00} This company needs to be investigated and Fined Millions of dollars. I believe SPS has miss handled my escrow impound funds and now wants me to replenish the account. To have my escrow account balance and in order last year and now short {$1700.00}? NO WAY. This company is Ripping People Off. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TX

Complaint narrative:
XXXX shows as an account on TransUnion and XXXX while showing an inquiry on XXXX. All are fraudulent because I've never applied for credit for this service or account.

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 2023-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NM

Complaint narrative:
I have all ready sent in my request to the US Department of EDU to have my loans removed from SS # as i meet the facts and circumstance for forgivenss in section 685.206 Bowers responsibility and defense. 

Facts and Circumstance upon enrolling in school and through out my entire education process I was encouraged and guided by the financial aid off to pursue a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. they said i would always have gainfully employment and financial resources. However I made no secret as to the troubles and prochoice i made as a young man that i believed would not allow me into that profession. I was reassured that would not be the case. My assumption was correct. I have been terminated/ let go from every firm i have worked for the following Facts i was uninsurable, Could not pass a background check but most importantly i was and continue to be denied to sit for the XXXX XXXX 

if needed please reach out privately and i can provided reference that can substance the above Facts. By there individual. XXXX XXXX XXXX XXXX XXXX XXXX XXXXr at a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and one family member

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have recovered from my identity being compromised and upon review of my credit report I notice this account was unfairly closed. I was in communication with this company while on XXXX XXXX and wish to have this account restored as it was not authorized by me. They lost payments and have had terrible communication but I was willing to make it work never wanted to close this account because it would affect my credit. Synchrony needs representatives who CARE and properly tracked payments and notes on calls. No one ever knew what I was talking about and they took the initiative to close and we find it interesting that many stores were closing too.

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 2023-05-26 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: GA

Complaint narrative:
On XX/XX/2023, I sent in a letter to requesting Experian to verify a Bankruptcy they are reporting on my credit report. As of XX/XX/2023, I have not been notified of any results into this investigation. According to the FCRA, Credit Bureaus have within 15 days to respond to a consumers request for verification on accounts. Experian has definitely violated my rights as a consumer because it has been 45 days passed the required response time. I requested this Bankruptcy to be verified from Experian because I received a signed and sealed letter from the clerk of courts stating they don't report bankruptcies to any credit bureau.

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 2023-05-26 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: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
On XX/XX/2023, I sent in a letter to requesting Advance Resolution Services ( ARS ) to verify a Bankruptcy they are reporting on my credit report. On XX/XX/2023, I was notified of the results into this investigation. The investigation concluded by stating the bankruptcy was properly associated with me and cited its information came from The United States Bankruptcy Court Middle District of Georgia. The same United States Bankruptcy Court Middle District of Georgia also verified they don't furnish any information to any credit bureaus. For Advanced Resolution Services ( ARS ), a credit reporting agency, to verify information contradicting signed documentation from the United States Bankruptcy Court Middle District of Georgia for it's own financial agenda is a complete violation of my rights. I intend on holding ARS liable for any undue hardships received on my behalf.

Company response to consumer: Closed with explanation