vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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:
In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, Dept of EducationXXXX account number XXXX and XXXX, XXXX XXXXXXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXXXXXX account number XXXX and XXXX, and XXXX XXXXXXXX account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: AK

Complaint narrative:
I see an inquiry on my credit reports from XXXX XX/XX/2022 from COMENITYCAPITAL/XX/XX/XXXX. I did not apply for any cards from XX/XX/XXXX and I believe this is a case of identity theft. I have since FROZEN my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: NV

Complaint narrative:
15 usc 1692 c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXXXXXX XXXX and before XXXX XXXX  XXXX, local time at the consumers location ; Westlake servicesXXXX XXXX XXXX has repeatedly harassed me through multiple emails!!!!

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 2022-10-06 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: TN

Complaint narrative:
The credit bureaus stated my account was properly investigated for a bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking 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 2022-10-06 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: LEXISNEXIS
State: TN

Complaint narrative:
The credit bureaus stated my account was properly investigated for a bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This collection is wrong and this is the wrong amount and its been in my credit report since 2017. I dont know nothing about this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AK

Complaint narrative:
My mailing address is now XXXX XXXX XXXX, XXXX, AK XXXX. I have not received any written notification of this debt. I dispute the validity of this debt from XXXX XXXX and would like to receive documents verifying the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Barclays XXXX continuously kept asking private information that a person who would commit fraud is my reasoning for changing my address I called in and automatically says being transferred to manager then I'm not then I've been transferred to another person asking same but personal different questions. It doesn't seem right. 
XXXX was trying transferee to Eventually and asked another question that would automatically give purpose of fraudulent acts. I've never been asked for my social, email, birthday, mothers maiden name and phone number just to change my address and I asked XXXX this was a secured line nobody answered yes it is. Then I hear some giggles in the background. What are my steps here to not have fraud take over on my phone?

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 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
Hello, I just received an email that XXXX is closing all of my account and all of the accounts that also belong to my 5 children. I am on an account with my sister who has a problem with XXXX but she is closing her account and that has nothing to do with me or my 5 kids accounts. My husband and I have had this account for over 20 years and my husband, my kids, and myself should not be punished for something that had nothing to do with us. I was on an account with my sister because she has XXXX XXXX XXXX and I TRY to help her. I don't care about the bank closing her account but my family should not suffer because of her. Especially my children! I have never even heard of something like this! My family has 10 accounts and has never had issues. This is absurd we are being punished for my sisters actions. Her actions did not even happen with the account that I share with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
it happened that i noticed some fraudulent activity on my XXXX  XXXX XXXX account. after i disputed the charges through XXXX  XXXX XXXX, they advised me to open a new account so they transfer my funds to my new account and close the old one. i agreed and they did that fund transferring from the old to the new account. i have called XXXX XXXX XXXXXXXX XXXX XXXX XXXX time to close the old one so i do not receive notification email regarding the old account. theses repeated requests all were ignored. after around 6-7 months later i received a call from XXXX XXXX XXXX informing me that they will close my account with them due to a ChexSystem report from XXXX XXXX XXXXXXXX STATING I HAD account Abuse. I was shocked because i have been a very excellent customer to XXXX XXXXXXXX XXXX since XXXX after another million calls to this bank, finally an agent explained to me that the bank itself has committed a mistake by overcompensating me an amount arround XXXX on one of my DISPUTE claims. then for correcting this problem XXXX  XXXX XXXX decided to correct their mistake by reporting me to ChexSystem as an account Abuser, instead of informing ME that i was overcompensated and should return that money to XXXX  XXXX XXXX. Very interesting!! as soon as i found out about that charge i paid that balance right away and XXXX  XXXX XXXX promised to remove that report from my ChexSystem. but they only updated the balance to zero. and now I AM UNABLE TO OPEN A NEW ACCOUNT WITH ANY OTHER BANK and that is because XXXX XXXX XXXX agents are IRRESPONSIBLE.

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 2022-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: MN

Complaint narrative:
I had an existing loan with USBank for a boat. The boat was caught by a tornado and suffered a catastrophic loss. I paid the remaining amount owed ( in full ) with a personal check and the insurance company issued a loss claim check for the amount owed and US Bank was a co-signer on the check. Since I paid off the loan already, I asked them to co-sign and then they confiscated the check, saying that they have a process for claims andit needed to be sent to claims dept. I told them I already paid the existing loan off. They indicated I should cancel my personal check. Which I tried to do with XXXX XXXX, but was informed that US Bank already cashed/processed it. I have been waiting for over two months for them to return the insurance check or refund my money over {$26000.00} and they will not refund my money or return the insurance check.

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 2022-10-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under the 15 U S C 1681 section 6 O 2 states i have the right to privacy 15 u s c 1681 section 6 O 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 u s cs 1666 b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I mobile deposited a check that I received to Capital One that was a refund from an apartment complex 's rent. ( XX/XX/XXXX ) The check was made out to myself and my Fiance which we both endorsed and mobile deposited this on the Capital One app. Capital One restricted my account and flagged this due to suspicious activity. I called about this issue continuously and was either sent to voicemail or hung up on. The few times I was able to get a hold of someone I was told wrong information. After going to the highest level of Managers that would take my call I was then told to seek out a hold harmless letter from the check issuers bank. I did so and the check issuers bank first did not know what type of form I was referring to which I assume because that is not common practice. The check issuers bank then stated they would sign the form assuming the check issuer agreed once they received the form. ( XX/XX/XXXX ) I called back a few days later and nothing had changed as there was a stalemate. ( XX/XX/XXXX ) I was told that an investigation was underway and I had to wait. I then waited a week and called back, no change. ( XX/XX/XXXX ) I did this multiple times and no change. As I continue to call they continue to give me different excuses as to why they will not send the check. ( XXXX ) I am posting this here because I do not know what to do next. This check was nearly {$1700.00} and for me that is a lot of money and I really need it to pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: USCB, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX  Creditor ID : XXXX Was x-rayed for falling on shoulder. This was approved by the VA and they will pay. But they are trying to collect from me. This has happened before and they submit the bill to the wrong VA site for payment. I have told them the correct site but they don't get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
The loan was initially bought/originated by XXXX, through an independent mortgage broker. When XXXX went out of business, the loan was acquired by XXXX  XXXX XXXX. Until a few months ago, XXXX  XXXX XXXX ( XXXX ) was servicing the loan. They recently sold the loan to " '' and now Select Portfolio Services ( SPS ) is servicing the loan. 

The first payment to SPS included an extra {$3000.00}, and using the stub from the XXXX statement, I specified that the extra {$3000.00} was to go towards paying down the principal on the loan. However, the money was instead used to prepay 2 or 3 months of future payments, with the remainder being applied to principal. I called SPS and the representative went ahead and reapplied the payment to principal. 

The second month, this time using SPS 's own statement, I paid an extra {$2000.00} towards principal and specified on SPS 's stub that the extra should be applied towards principal. Again, the extra was misapplied to prepay several months in advance, depriving us of the interest reduction we expect when paying extra towards principal. Again I call SPS and the representative said they would reapply the amounts towards principal as I originally requested. 

However, the representative on my 2nd call also mentioned that payment by mailing a check would ALWAYS be applied first toward prepaying future months ' regular payments before applying anything towards principal. And that is was is prompting this complaint. Not that the representative made that statement, but what that statement implies about SPS : they ignore the mortgagor 's stated allocation of extra payment amounts and apply it as SPS sees fit! 

I have already submitted the 3rd month 's payment since the switch to SPS. I'll likely learn how it was applied when I receive the 4th month 's statement in a couple weeks. But based upon the conversation above, I am expecting the same misapplication of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diverse Funding Associates LLC
State: MN

Complaint narrative:
First, I found this collection on my credit report and I disputed it. 
Then I had a letter sent to me at an old address but it was forwarded to me, claiming they bought some account of mine and I needed to pay them. I responded with a demand for validation and I gave them my correct mailing address. 

They did not respond with validation. What they did is send information about me to a different tenant in the same building and actually addressed it to him. He is a lawyer and I guess they think they were being funny by harassing and intimidating me. The lawyer got my mail to me and I responded to DNF Associates letting them know that they didn't validate ( which I'm sure they knew because they didn't send anything I requested ) and I also called out several violations that they committed. I also told them to cease and desist all communication with anyone other than me. 

Now I have received another correspondence from DNF Associates and again they intentionally addressed it to the lawyer they sent stuff they were supposed to send to me. It was basically more of the same XXXX they sent before, not validation, but personal collection information to embarrass and intimidate me AGAIN! This is after I gave them a cease and desist order and they absolutely know what they are doing. They aren't even addressing the envelope to me! 

I have just sent them another letter. I will include the letters I have sent to them and a copy of the envelope that they sent to the tenant that is NOT me and who I specifically instructed them not to contact. The gentleman is NOT my lawyer and has nothing to do with me. We share space in the same building, we are both tenants, that's it. I've never even met the gentleman. DNF 's behavior is criminal and ruthless, violating federal law over and over again. 

The only thing they did correctly is to remove it from my credit reports, which they had no authority to furnish to in the first place as I had never consented and have never done business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
1. I can not get a hold of my loan provider : Navient.

I have called them numerous times and either - get hung up on - get disconnected - or when I think I am about to speak to someone - I get transferred to an automated system asking me a survey of how my experience was, BUT... I did not talk to anyone.

2. I believe I may be eligible to receive payment or refund from Navient as there is a settlement against them and my loan is one of which identifies with the settlement I have an FFELP loan which was managed by Sallie Mae and then transferred to Navient.

My loan has been in - Forbearance ( which the settlement is related to ) - Deferment for several years 3. I do not know who to contact or get in touch with as I may be owed money by Navient. 
I can not get in touch with Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have a mortgage with USBank. The terms of my mortgage demand that I pay into an escrow account regular payments - out of which USBank disburses amounts for property taxes and home owners insurance. In 2022, USBank has made XXXX disbursements : XXXX XX/XX/XXXX for {$4500.00} to XXXX XXXX, CO for property taxes due XX/XX/XXXX, XXXX XX/XX/XXXX for {$4500.00} to XXXX XXXX, CO for property taxes due XX/XX/XXXX, XXXX XX/XX/XXXX for {$3600.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has left my escrow account with- {$1000.00}. These amounts are correct. 
I received a notice of escrow account analysis for payments due in 2023 on XX/XX/XXXX stating total anticipated disbursements for the next XXXX months of {$12000.00}. The number is incorrect, as the county had recently adjusted my liability and XXXX XXXX increased my home owner 's insurance. I had previously contacted USBank to inform them of the change of amounts, but this was ignored. When I received this incorrect escrow analysis, I immediately contacted USBank, who assured me they would correct the error. I received a second escrow analysis on XX/XX/XXXX stating a total anticipated disbursements for the next XXXX months of {$12000.00}. I again contacted USBank to discuss the problem, they again assured me the error would be corrected. The contact was followed by a letter on XX/XX/XXXX stating that an additional escrow analysis was conducted showing a shortage of {$4100.00} in the escrow account due to the home owner 's insurance, which had already been paid and deducted from escrow. I have now been told there is another escrow analysis being conducted, but I have no confidence it will be done correctly. 
My actual anticipated disbursement is {$3800.00} to XXXX XXXX  and {$2400.00} to XXXX XXXX, CO for a total of roughly {$6200.00} - less than half the amount being demanded by USBank. The mortgage agreement we signed allows USBank to demand escrow payments for the purposes taxes and insurance, with the amounts to be split over 12 months. Even with the shortage payment required- my escrow payment should be about {$610.00}, not the {$1000.00} demanded by USBank. 
I demand USBank meet the requirements of the mortgage agreement and align my escrow payments with the anticipated payments required for 2023.

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