vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
Was usbank personal checking and credit card customer since XXXX Opened business checking account with usbank XX/XX/XXXX Deposited a check XX/XX/XXXX then found out XX/XX/XXXX account got closed Called mobile department then transfered to business department then asked to come branch then asked me to call fruad department then asked me to come branch Branch manager confirmed my business account got closed by fruad department said would received a call from fruad department and rereinstate my account csince my check got no problem at all Received account clousure letter and never received a call from fruad department since that

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 2023-03-24 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: FL

Complaint narrative:
I have attached an FTC report with 2 accounts and inquiries I did not authorize please delete

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 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: KS

Complaint narrative:
They keep asking for XXXX somebody. After I explained that there is NO XXXX at this number, they keep calling.I have been nice, i have hung up on them, I have gotten rude with them and they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AL

Complaint narrative:
This is to address my complaint that i file with my bank PNC Bank @ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ) I File a Dispute with my banks Dispute Department on the following Date XX/XX/2023. The Bank in turn issue a Provisional credit to my checking account for the amount of {$180.00}. 

I provided supporting documents/evidence in the form of the following : itemized statement/receipt showing the payment was made to the merchant, The XXXX XXXX XXXX XXXX thru other means. The amount of the payment was as follows : a partial payment of {$120.00} that was listed on the itemized statement/receipt that i provide from XXXX XXXX XXXX and a partial payment of {$59.00} using my pnc bank issue PNC Bank Debit Card , that would bring the total amount of the readmittance to {$180.00}. For the payment due the XXXXXXXX XXXX XXXX XXXXXXXX for the month of XXXX, to the said amount. 

I also provided all of my evidence to both the Email and Fax number that the bank provided which is as follows : Email = XXXX, and the Fax number = ( XXXX ) XXXX. This information Proof of Evidence was provided by me to my bank not once, twice, but three times on different occasions. 

Finally On XX/XX/2023 i receive a letter from PNC Bank Basicity stating that they had completed there investigation into the matter and they needed a itemized statement/receipt for which i had already provided three times previously. 

So in Essen that they would be reversing the temporary Provisional credit on XXXX that the Dispute department had issue to my checking account of {$180.00} on XX/XX/2023 when i first file the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
I have a checking account with Axos Bank that I have had since the summer of 2022. For the last month I have tried to contact their customer service hotline because I could not retrieve my password. Everytime, I have called Axos during their business hours I have been on hold for more than an hour without anyone ever picking up. The only way I can get my password retrieved is through getting in touch with a customer service representative, so my account has been locked for more than a month now. I have called and left them a message as of today, but I have not received a response yet. I need access to my account as soon as possible, and it is ridiculous that I have not been able to get in touch with someone from this bank for a month, so I don't know what my funds look like at all. I just need my password retrieved so I can access my online banking, and then I will be leaving Axos Bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: UT

Complaint narrative:
I got an alert from one of my credit monitors that a hard inquiry was made on my TransUnion credit report on XX/XX/2023, from XXXXXXXX XXXX XXXX. I have never done any business with XXXX XXXX XXXX. 
I tried to contact the XXXX XXXX XXXX and TransUnion several times by phone but have never reached a real person. I sent each of them a letter asking about the unauthorized hard inquiry on my credit history but never received a reply from either one.

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 2023-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ready Capital Corporation
State: FL

Complaint narrative:
I was grateful to have mortgage forbearance during COVID-19. I am a single mom, homeowner, XXXX then on XXXXXXXX XXXX and also XXXX XXXX XXXX I opened a XXXX XXXX  in XXXX, a plan in motion for 2 years prior to the pandemic. Terrible timing. For a these reasons, I was not able to pay my mortgage for over a year. I was reported by XXXX/GMFS on XX/XX/XXXX for balance past due. I called and spoke to them, they were very understanding and informed me the best course of action was to make a formal " complaint/dispute '' with credit bureau XXXX I am extremely grateful to have my home and was able to have loan modification to keep myself and my son in the home. 

I did some research on XXXX Will forbearance show on credit report? 
Does mortgage forbearance hurt your credit? Mortgage forbearance does not show up on your credit report as a negative activity ; your lender or servicer will report you as current on your loan even though you're no longer making payments. - I have found this is not the case and am hoping to ameliorate the ding on my credit report. 

My credit is poor as I am still recovering from the harsh blows of the pandemic. Please assist in any way you can. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BCI FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I applied online for a money market account at XXXX XXXXXXXX XXXX XXXX XXXX City National Bank of Florida. They replied, " We regret to inform you that we can not approve your new account application. '' When I asked why, they said, " We are unable to provide additional information. '' Without knowing the reason why I was denied, I have no way to tell if it's because of some error on a credit report that I can get corrected, or due to discrimination of some kind. Their refusal to say why my application was denied seems in violation of financial disclosure laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: FL

Complaint narrative:
I have attached an FTC report with XXXX accounts and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am having a problem with Experian. On their website they are showing inaccurate scores from XXXX and XXXX. Experian shows my XXXX score at XXXX while both XXXX XXXX  and XXXX XXXX both show my XXXX score to be XXXX, and Experian shows my XXXX score at XXXX while XXXX XXXX shows my XXXX score to be XXXX I have tried multiple times reaching out to Experian to ask why and am getting generic responses that do not pertain to my question of what they show the scores to be different. This now leads me to believe that my Experian score is more st likely not accurate. I am in the process of trying to purchase a home and these inaccuracies are making it difficult for me to quality for a loan. I really need this to be looked into so the correct scores are being displayed. 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 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
On XX/XX/2023, DIVERSIFIED ADJUSTMENT attempted to collect money by XXXX XXXXon my credit. They are citing that it is a XXXX collection. XXXX has confirmed that they are not affiliated with this company and have not initiated this. They have no knowledge of any of this. I do not have any XXXX services at all. I have services with XXXX and have for years. Please stop attempting to collect money erroneously and remove this from my XXXX credit report. This is not the company 's first attempt despite being told this is not my account. They have provided nothing from XXXX. And XXXX has confirmed there is nothing to provide to me because I do not have an account. In retaliation they posted to my credit account again today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: FL

Complaint narrative:
I have attached an FTC report with accounts and 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 2023-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NH

Complaint narrative:
On XX/XX/XXXX I refinanced my mortgage from Freedom Mortgage to XXXX XXXX XXXXXXXX XXXX. My taxes were paid from my closing by XXXX of XXXX Mortgage on XX/XX/XXXX. Freedom Mortgage had already been paid off and I received an email from Freedom Mortgage on XX/XX/XXXX confirming that. On XX/XX/XXXX, 14 days after the mortgage had been completely paid off, Freedom Mortgage proceeded to pay my taxes in the amount of {$2100.00} out of my escrow account instead of refunding that money to me. On XX/XX/XXXX, the XXXX of XXXX refunded the the entire {$2100.00} back to Freedom Mortgage. I contacted Freedom Mortgage about my refund which should have been refunded to me with the rest of my escrow money and they told me that the money would be refunded to me by XX/XX/XXXX. They have already been holding this money for a month but I waited patiently. I called them on XX/XX/XXXX because I still had not received the refund. The person I spoke with said it was still pending. I told her that I was told that I would have the money by Wednesday XX/XX/XXXX and she said she doesn't know but it still says pending. So I asked to speak to a person who could tell me what where my money was. She put me on hold for a long period then came back and said her supervisor said the check went out on XX/XX/XXXX and that they had no control over the mail. She had just told me it was still pending and all of a sudden now she lies and says it went out and blame the post office? I asked her why they would send a {$2100.00} check through the regular mail when it should have been sent XXXX? She had no answer. I asked her if I would be receiving interest on the money they are withholding and she said no. I just had a XXXX XXXX on Saturday XX/XX/XXXX and got out of the hospital on Tuesday XX/XX/XXXX and I need this money which should have been refunded to me from my escrow account when my mortgage account was closed on XX/XX/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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account has been closed and has been paid in full XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account has been closed and has been paid in full XXXX XXXX Account # 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 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing to dispute an item on my credit report. The item in question is a debt of {$880.00} from an original creditor called XXXXXXXX XXXX  that was turned over to Midland Credit Management Services. 
I have no information or recollection of this debt owed to XXXXXXXX XXXX and I have not received any communication from them regarding this debt. To my knowledge, I have never had any business or financial relationship with XXXX XXXX 
Furthermore, I have reason to believe that Midland Credit Management Services has acted inappropriately regarding this debt. Not only did they send false lawsuit letters to my house, but they also made false statements to my county tax department. 
In addition to these false communications, a representative of Midland Credit Management Services made a false claim that he served my wife at our residence before filing a lien on my property at my county office building. It is my understanding that Midland Credit Management Services has a history of using these types of tactics. 
I am requesting immediate assistance in resolving this matter. I have already contacted Midland Credit Management Services to dispute this debt, but I have not received a satisfactory response. I ask that this issue be resolved as soon as possible, and that the item in question be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for care credit through synchrony Bank. My credit score then was lower than it is now. With all of the same reports on my credit. I was approved for {$1100.00} credit line. I have been paying more than minimum each month. Now that I paid it down to less than 60 % credit usage. All of a sudden they dropped my credit limit to show that I am back at almost max credit limit. Their excuse is that they found all of the same stuff that was already there to begin with.

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 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I received 4 identical pre-recorded voicemail messages on my cell phone from an Unknown caller ID # XXXX on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XX/XX/XXXX. The recordings stated that they were from CBSA Collections and provided a callback number of XXXX. On XXXX XX/XX/XXXX, I contacted the Registered Agent for the company with a demand letter identifying myself, explaining that I do not owe CBSA nor any other debt collector, and sought damages for willful violation of the Telephone Consumer Protection Act as well as Section 305.053 of the Texas Business and Commerce Code. I communicated with their attorney on multiple occasions by email and phone attempting to negotiate a settlement and avoid a lawsuit. On XXXX XX/XX/XXXX, I notified their attorney by email that I would settle the matter for {$12000.00}. As of XXXX XXXX, I have still not received a response to either that email or a phone message which I left with their attorney on the morning of XXXX XXXX. On the afternoon of XXXX XXXX I filed a small claims case seeking statutory damages as stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A bank draft payable to me was deposited into a Citibank account fraudulently. It was likely stolen from my mail. The bank draft was addressed and payable to me to reimburse me for vacation expenses by my friend a XXXX customer in XXXX. 

The account the draft was deposited in Citibank is not mine and not associated with me in anyway. Citibank did not verify the draft payee and allowed the payment to be drafted from the XXXX account. 

Citibank is liable for accepting this draft that had been altered and improperly endorsed by someone that is not me. I visited a Citibank branch in XXXX today XXXX and a Manager told me that it is not their responsibility which can not be correct.

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 2023-03-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I mailed off a letter to XXXX and Equifax on XX/XX/2022 of a bankruptcy that was on my credit file that needs to be removed. It been 111 days no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation