vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-12-06 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: ENOVA INTERNATIONAL, INC.
State: MN

Complaint narrative:
I have no knowledge about this loan. I have tried to dispute on several occasions with no avail. I suffer from a XXXX and had my phone hacked, I have no knowledge of this predatory loan. I have since changed my telephone number and got a new phone, and practice much safer online principles. I reported the issue to my bank, issued a stop payment immediately and submitted several disputes. This account was opened fraudulently, I am struggling financially, and with my XXXX and this creditors predatory record I do not feel safe and am now financially insecure after a substantial long credit rebuild.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX, XXXX XXXX  bank account # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-12-06 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: NV

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Applied for line of credit. I was told it was only a soft inquiry but it shows as a hard inquiry. 
the account has been closed but its still showing as a hard inquiry on my report.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Applied for line of credit. I was told it was only a soft inquiry but it shows as a hard inquiry. 
the account has been closed but its still showing as a hard inquiry on my report.

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 2022-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Hi I was approved for the haf program back in XX/XX/2022. I been on a COVID forbearance since I got approved and that was going fine until the month of XXXX my payments started not getting posted. I spoke to haf and they told me they were mailing them electronic and my mortgage company was cashing the checks but not applying them to my account. I have all 3 tracking numbers and checks were cashed and I call daily with my haf case worker and my mortgage company which is uwm only gives us the run round and puts us on hold. They say the dept that handles the haf doesnt have a phone number only emails sent from with in. I dont know what else to do. My forbearance ends this month and Im behind 3 months with a negative escrow. All because uwm wants to mess up my credit and steal my haf payments. This sounds like a scam to put me in foreclosure and mess up my credit. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have no knowledge about this loan. I have tried to dispute on several occasions with no avail. I suffer from a XXXX and had my phone hacked, I have no knowledge of this predatory loan. I have since changed my telephone number and got a new phone, and practice much safer online principles. I reported the issue to my bank, issued a stop payment immediately and submitted several disputes. This account was opened fraudulently, I am struggling financially, and with my XXXX and this creditors predatory record I do not feel safe and am now financially insecure after a substantial long credit rebuild.

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 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.

Complaint narrative:
I brought a {$75.00} prepaid vanilla visa card at XXXXXXXX XXXX  on XX/XX/XXXX Friday I login on to website signed in at it said under status being processed but on the the receipt from gas station it's saying active and the I tried to re login back to site and it is saying system error.So as of XXXX XXXX Tuesday morning XX/XX/2022 the card does not work I tried phoning the number but no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: GA

Complaint narrative:
I recently went to purchase a car and the person that was helping me said that I was only receiving a soft inquiry and while she was telling me that I received multiple inquiries from places I did not apply at. I was so upset I never went threw with the car purchase.

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 2022-12-06 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX was fraud and needs to be removed from all my credit reports. 
XXXX XXXX XXXX was part of my fraud case and needs to be removed from all my accounts

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 2022-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I had a Power of Attorney, and XX/XX/XXXX she transferred {$55000.00} from my USAA ACCOUNT to her personal account. I was denied permission from access to see available funds to this account, and I was verbally told by my P.O.A. that I had {$50000.00} in my checking account. I asked USAA in XXXX to do an investigation into the transaction, and I received a notification identifying that the transaction was legal and valid. On XX/XX/XXXX I received a document from my P.O.A. that funds were invested into a Certificate of Deposit Account in her name at XXXX XXXX XXXXXXXX on XX/XX/XXXX for a total of {$53000.00}. I would like funds Transferred legitimately back to the original account of USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXas fraud and needs to be removed from all my credit reports. 
XXXX XXXX bank was part of my fraud case and needs to be removed from all my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX  XXXX XXXX was fraud and needs to be removed from all my credit reports. 
XXXX XXXX XXXX  was part of my fraud case and needs to be removed from all my accounts

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 2022-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Have requested payoff of alleged debt on multiple occasions. XXXX XXXX and XXXX has ignored each and every request. They need to be sanctioned, cited and reported to the IRS. They have also failed to provide a W9 as requested so that proper tax assessment reporting be made to the IRS. 

And, as for the originating application ( securities ) and Bank of America account, please do note no securities were abandoned and all statements have been reported to the IRS. It is hereby requested securities on the asset ledger be applied against any alleged debt owed. All accounts are to be zeroed out in full with any proceeds remaining sent to the beneficiary : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have a NFL visa credit card issued through Comenity Capital Bank. The balance has been paid in full since XX/XX/2022. They have failed to report this payment and continue to report that I am carrying a balance. Their response to my inquiry is they are having system issues that are preventing accurate reporting. This is potentially impacting my credit score. Their lack of progress on fixing an issue that is a required task is negligent and a negative Customer impact. Many other banks can complete without issue. This is a pretty standard process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Joseph M. Tobin, PC
State: FL

Complaint narrative:
Have requested payoff of alleged debt on multiple occasions. Tobin Melien and Marohn has ignored each and every request. They need to be sanctioned, cited and reported to the IRS. They have also failed to provide a XXXX as requested so that proper tax assessment reporting be made to the IRS. 

And, as for the originating application ( securities ) and XXXX XXXXXXXX XXXX account, please do note no securities were abandoned and all statements have been reported to the IRS. It is hereby requested securities on the asset ledger be applied against any alleged debt owed. All accounts are to be XXXX out in full with any proceeds remaining sent to the beneficiary : XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
All concerned, NFCU refuses to refund me a duplicate mortgage payment of XXXX I GAVETHEM THE REQUIRED DOCUMENTS AND THEY STILL REFUSE. XXXX DOCS SHOW MY OVERDRAFT CLEARLY PAYING THE XXXX. I GET MORE EXCUSES EACH TIME I TRY TO RESOLVE IT. THEY ARE UNABLE TO READ A CHECKING ACCOUNT STATEMENT. 


FURTHERMORE, I WILL NOT MAKE XXXX SINGLE PAYMENT TOWARD MY NFCU MORTGAGE UNTIL THIS IS RESOLVED. THANK YOU, XXXX XXXX, FOR RUINING MY XXXX. FROM ME TO NFCU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06 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: NC

Complaint narrative:
I have called XXXX XXXX student settlement XX/XX/XXXX about the settlement notice they had sent me in the mail about the XXXX XXXX XXXX fileing XXXX XXXX bankruptcy and they had to close the school on XX/XX/XXXX and they said i was supposed to get my refund back from XXXX i was a student there because they closed XXXX XXXX XXXX in XX/XX/XXXX and i did, t get my refund back like they said I the notice they sent me in the mail about that and most of they need to be investigated for telling me lies about getting my financial aid refund back for the the credits I have on file with the us state government and federal financial aid office as soon as possible or be held accountable for it in the highest court of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
In XX/XX/2022 I received a letter from CMRE stating that they were trying to collect a debt. I disputed the debt. later in XXXX I received another letter about the verification of the debt. There is no information on this document. No patient, no bill, no company. I have asked for proof this is my debt asking for a bill from the creditor and nothing has ever been provided that says this debt is legitimate and not some sort of scam. 

In addition I have no record of seeing a doctor on said date, in addition I have insurance that would have been used and even if there was an error I would have received a bill from the doctor directly which never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2022, a hard inquired showed on my credit report for a target store. This was not me. 
Contacting you has been my first step.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
Covington Credit has closed my account and reported as a Charge off for {$420.00}. I was late on payments with this company however I resumed payments in XX/XX/2022 and only had {$150.00} left to pay off the loan. After reaching out to the company to arrange a Pay-for-delete, they have reported the account as a charge off for {$420.00} ( incorrect balance ) and have not reported the last 3 payments I've made to the company. I have bank statements to prove my payment history. The information is incorrect. Also, the company sold the debt in XX/XX/2022 before I made 3 payments to turn by phone and they did not alert me that they were charging off the account when I called to make those 3 payments. The payments are not reflected on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: FL

Complaint narrative:
I was declined of a credit card XX/XX/XXXX. I then ordered my credit reports. On my Trans Union report, I noticed harmful/ fraudulent information and financial contracts were signed XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX  {$5000.00}, ( ACCT # XXXX ) /contact # XXXX XXXX. My name is XXXX XXXX XXXX XXXX XXXX as reported on this account by XXXX XXXX aka XXXX XXXX ( credit reporting ) as information excepted by Trans Union. 
I disputed this information by mail and online with Trans Union XX/XX/XXXX, file # XXXX with proof of a different name given. I then filed a police report of ID theft XX/XX/XXXX, case # XXXX and made contact was by mail and phone to both XXXX & XXXX XXXX of fraud. To NO prevail, Trans Union continues to report fraudulent info as " VERIFIED AND ACCURATE. 
NOTE : Trans Union along with XXXX XXXX is in multiple violations of the Fair Debt Practices. 809. Validation of debts : 15 USC 1692g ( 1 ), ( 2 ), ( 3 ) & ( B ) 804. Acquisition of location information:15 USC 1692c ( 1 ), ( 5 ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX charged for a procedure that never took place by/for this patient. A premedical exam was done w/ NO additional medical labs work, NOR any medical procedure done with NO medical or patient release was made. It is now with due diligence that government intervention is necessary in these fraudulent affairs.

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 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A CAPITAL ONE CARD WAS OPENED fraudulently IN MY NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one close my account and transfer my money into an account that I am not associated with nor is it a part of my external accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It has been well over a month since Ive started this claim. Bank of America has done nothing and has provided the worst customer support. Ive gotten lied to hanged up on and its not okay. Ive been struggling for a whole month havent been able to pay rent because Bank of America allowed someone to open an account under my name and transfer my money into it. Ive callled and sent in all the necessary paper work Bank of America has asked for. Im still missing XXXX $ from my account and not only that but Im getting charged after already speaking to multiple agents and no one has been able to help. Its ridiculous how Ive been treated

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 2022-12-06 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:
After looking over my credit report I see that I have hard inquiry from XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022, that I did not authorize. Please remove all of these hard inquiries.

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