vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Conduent Incorporated
State: VA

Complaint narrative:
I have a Health Savings Account ( HSA ) with XXXX, a product provided by Conduent Inc. I have had this account since XXXX. I have had it linked to my checking account for deposits and withdrawals just as long, for at least 13 years. 

Recently I requested a transfer from my HSA to my bank account on file ( this was on XX/XX/XXXX ). Typically this will process in about 5 business days. 

ON XX/XX/XXXX ( 11 business days later ) this still showed " processing '' but they had not released my funds. I sent a message asking why and received the automated response : " Please call member services, as your concern would be best handled by speaking with a representative. Call us at XXXX, M-F, XXXX EST ; or XXXX XXXX. Thank you for contacting us. '' I called the number, held for 40 minutes, then the line went dead. I sent another message asking for a call and received the same automated response : " Please call member services, as your concern would be best handled by speaking with a representative. Call us at XXXX, M-F, XXXX EST ; or XXXX XXXX. Thank you for contacting us. '' I called again the next day and again, 45 minutes on hold, no answer. I sent another message - again the same exact response to call. 

It is impossible to submit a reply to any of these automated responses- the system acts as though it allows it however it does not allow any submission as a response. 

Finally, I was able to connect with a live representative. After verifying more information that I need to provide for anything else including : Name, Address, Date of Birth, Social Security Number, Account Number, Security code answer, destination bank account, exact dollar amount of request they refused to process and email and phone number - finally the person told me the funds were held because of potential " suspicious activity. '' The activity in question was a reimbursement as I process each and every year, requested by me on my online access to the same bank account that has been on file for over a decade. Rather than contacting me to affirm this was a legitimate request- they refused to do so. They refused to contact me on the phone when requested 3 separate times. They do not answer the phone ( or at least it takes extreme luck to get to a live operator ). It was clear to me they are incapable of allowing the customers who have funds in accounts with them to access their funds.

This is unacceptable. They charge a monthly fee. They pay XXXX interest ( or in all honesty, 0.04 % ) when a savings account pays 4 %. They are clearly making money on the float, and the refusal to allow customers to access their money or providing any clear manner for them to address such an issue is inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, CoreLogic, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

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 2023-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX I was connected with XXXX in the delinquency control department during this recorded call said that if I brought my loan ending in XXXX current my monthly payment would be {$150.00} per month so I agreed and brought my loan current. I called back later that day and spoke to XXXX who also confirmed that that my monthly payment would be {$150.00} per month. After bringing my loan current my account page at www.penfed.org showed a monthly payment of $ __.__ This changed in XX/XX/2022 to {$590.00} per month. I have been making the agreed upon payment of {$150.00} per month but Penfed has damaged my credit stating that I am past due. I have spoken to XXXX 's supervisors XXXX on XX/XX/2022 and XXXX XXXX who have been able to access the recorded call between myself and XXXX on XX/XX/XXXX and both have acknowledged the terms XXXX told my of {$150.00} per month. They said XXXX 's employment with XXXX has ceased and that she made a mistake and that the monthly payment should have been {$590.00} per month. They can't help me resolve the situation.

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 monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
I was looking into a debt consolidation loan and was directed by XXXX XXXX to check Net Credit. When I went to the site it said I could check my options with no damage to my credit score. So, I did. After seeing the offer I opted not to continue with Net Credit, as I didnt want a high interest line of credit. Several days later I got an adverse action letter from Net Credit about my application. I never applied for credit in the first place, so I didnt understand why I was getting an adverse letter. I only checked my rates. I asked the company why I was getting the adverse action as I never formally applied and they only told me that there was no hard inquiry. A day later I received another adverse action letter from them. I asked again why I was receiving it, and to remove my information and they only responded that I couldnt have my information removed. I suspect that by logging in to check rates thats bate for an application. I know 100 % that I never formally applied and its not okay to not disclose that checking rates is an application. Its a very deceptive practice and I am scared that they will continue to use my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Westlake Services, LLC
State: MD

Complaint narrative:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( WESTLAKEFIN ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2023-02-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America took my application and pulled a credit report when I had not completed the application and was trying to contact them. I reached out multiple times and was promised call backs that did not occur. I was told they contacted me but they did not. There was finally a call back to my initiated call to them. The application was not complete and I should have had the option to call with more information ( which I had ) and to cancel the application if I chose to. It is not fair for them to pull a credit report with an incomplete application. I asked for the inquiry to be reversed and they said they can not and will not do that. I did not get a credit card, the reference number is 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 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
My fiance and I moved out of our apartment XXXX at the XXXX in XXXX Colorado on XX/XX/XXXX. On XX/XX/XXXX I was notified of a charge in the amount of {$500.00} that was added to our account on XX/XX/XXXX. I contacted XXXX XXXX, the leasing consultant at XXXX at the XXXX, immediately and disputed the charges as the carpet damage was done by previous tenants and was documented when we first moved in. He then wrote off the charges on XX/XX/XXXX. My mother is the XXXX who originally contacted me about the debt collector hassling her, calling her almost every day in regards to the {$500.00} debt that was posted to my account. I contacted the National Debt Collectors office immediately to get more information where I was then harassed, hung up on, and refused clarification. Since then I have sent in the updated ledger and my mail was returned ripped open and the ledger missing. My mother also has sent in the updated ledger and it was returned to her with an upside down stamp stating it was a valid debt, even though the ledger the debt collector has ended on XX/XX/XXXX and does not reflect the write off charge posted XX/XX/XXXX. It is now XX/XX/XXXX and not only is my credit score in the gutters from the false debt, but I am now at risk of eviction due to this false debt being on my renters history. My mother ( my garentor at the time for the previous apartment ) and my fiance 's credit score have also been negatively effected by this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : Experian, XXXX, XXXX, Clarity Services ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX  XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

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 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In complaint XXXX, Shellpoint never denies that it received funds from the XXXX XXXX which it did not apply to my account. 

Shellpoint never states under which provision I did not qualify for a XXXX  modification Shellpoint doubles down and does not respond to why they used XXXX XXXX  when it should have used XXXX XXXX of the current year which would have reflected all of XXXX  's outstanding principle. 

Shellpoint reclassifies the outstanding interest. Shellpoint claims that interest is " generally '' reported a certain way. Shellpoint is supposed to report all the interest that was applied to my account in XXXX  on the XXXX. First Shellpoint said they deferred it. When I responded that my XXXX was not impacted by how Shellpoint handles its taxes, now Shellpoint is claiming that they generally they subtracted deferred interest. It does not make sense that there would be {$2000.00} in deferred interest for the same time period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe to be inaccurate and in violation of several laws. Specifically, I am disputing the following accounts : XXXX XXXX  XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXX XXXX charge off account Firstly, the XXXX XXXX  charge off account is inaccurate. I have no record of this account, and I have never received any communication regarding this alleged debt. Furthermore, I have never been contacted by any debt collector regarding this account, nor have I been served with any legal documentation related to it. This account is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Secondly, the XXXX XXXX charge off account is also inaccurate. While I do recall having a credit card with XXXX, I have no record of any outstanding balance or delinquency. I have not received any communication regarding this account, nor have I been contacted by any debt collector or served with any legal documentation related to it. This account is in violation of the FCRA, FDCPA, and TILA. 

Finally, the XXXX XXXX charge off account is also inaccurate. I have never had a loan or any other financial account with XXXX, and I have no record of any outstanding debt with them. This account is clearly a case of mistaken identity, and is in violation of the FCRA. 

I request that you investigate these accounts and remove them from my credit report immediately. I also request that you provide me with written confirmation of the removal of these accounts and any other information related to them. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe to be inaccurate and in violation of several laws. Specifically, I am disputing the following accounts : XXXX  XXXX XXXX charge off account XXXX XXXX  XXXX charge off account XXXX XXXX XXXX charge off account Firstly, the XXXX XXXX charge off account is inaccurate. I have no record of this account, and I have never received any communication regarding this alleged debt. Furthermore, I have never been contacted by any debt collector regarding this account, nor have I been served with any legal documentation related to it. This account is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Secondly, the XXXX XXXX charge off account is also inaccurate. While I do recall having a credit card with XXXX, I have no record of any outstanding balance or delinquency. I have not received any communication regarding this account, nor have I been contacted by any debt collector or served with any legal documentation related to it. This account is in violation of the FCRA, FDCPA, and TILA. 

Finally, the XXXX XXXX charge off account is also inaccurate. I have never had a loan or any other financial account with XXXX, and I have no record of any outstanding debt with them. This account is clearly a case of mistaken identity, and is in violation of the FCRA. 

I request that you investigate these accounts and remove them from my credit report immediately. I also request that you provide me with written confirmation of the removal of these accounts and any other information related to them. 

Thank you for your prompt attention to this matter. 

Sincerely, 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