vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 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:
On XX/XX/2022 XXXX XXXX used discriminatory practices against me by denying me extension of my own credit. XXXX XXXX was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of XXXX monetized by securitizing the the application. 

Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. 

XXXX did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated Gramm-Leach-Bliley Act. 

Employees of XXXX refused to admit that the application did in fact generate profit which is extortion. Congress says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Monetary fees are payments. The financial institution and the consumer reporting agencies are conspiring against any Man and/or Woman ( the creation of the Creator ) to extort that Man or Woman out of an extension of credit. 

XXXX, XXXX, XXXX, LexNexis  Risk Solutions Inc and XXXX XXXX/LexisNexis Risk Solutions gets paid to furnish information on the Original Creditor. When Financial Institutions pay to report information that constitutes a breach of fiduciary duty. This means that Congress is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I filed an identity theft report on XX/XX/2022 ( attached ). I uploaded the report to, XXXX, and Experian the alleged accounts that are fraud which are XXXX XXXX XXXX AND XXXX XXXX XXXX and they are still reporting on my credit. They have not removed them or blocked these fraudulent accounts which is violation of 15 USC 1681C ( 2 ) ( A )!!! I need these accounts removed immediately! Once a consumer filed a ftc report the XXXX has 4 days to remove 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 non-monetary relief
Consumer complaint received 2022-12-02 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.
State: FL

Complaint narrative:
I received a Vanilla {$50.00} gift card and was told by Vanilla that it was used by someone else, which makes no sense since I have the card in hand. I asked that they send me a replacement, which they would not, so now I am out {$50.00}. I have tried to call them again, as when I tried to check the balance online ( says there is a system error and to try again later, which I have done a few times ) and I have gotten hung up on XXXX times. Called a fourth time and I have been on hold for over XXXX minutes now ( XXXX, XXXX, XXXX ). All I am asking for is a replacement to be sent by Vanilla directly, as the card was purchased at XXXX and may have been stolen from there as soon as it was activated. XXXX says there is nothing they can do ). I am hoping you can reach out to Vanilla to get this resolved for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: HI

Complaint narrative:
About a year to two years ago, I began receiving statements from Amsher Collection Services about an unpaid debt from XXXX. These debts were in the {$300.00} to {$400.00} range, and have since reached about {$500.00}. I have not ever had an account with XXXX for any services, as my cellular services were with XXXX until about a decade ago when I switched to XXXX for cellular services. A couple of months ago, this debt began to show up in my credit reports at the XXXX, XXXX, and XXXX. I have since had issues obtaining some lines of credit as a result of this issue. I have attempted to work with XXXX to get information on the alleged account but been unsuccessful. On XXXX, I attempted to work with AmSher Collection Services but they had already turned over the account to the XXXX XXXX XXXX XXXX. I have no definitive proof that I did not have a XXXX account, which makes this issue especially difficult to prove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
This account was established for my government unemployment deposits. I had security set to advise me, via text message, of all transactions. 

On XX/XX/XXXX I called to check my balance and heard transactions that were not mine, ( XXXX ) XXXX XXXX dollar bank transfers on XX/XX/XXXX. I thought it had to be an error, I called Reliacard and was transferred to fraud dept. I informed them that I did not authorize any ACH transfers nor have I ever done any ach transfers on my account. 

I have written and called Reliacard on several ocassions to no avail for over a year waiting for requested proof of documents for the change of data. I filed a police report and provided them the information, to no avail. They've responded no error found and send me transaction information instead of history and proof that I made the call or change of record! 

During a conversation with the fraud dept, their notes indicated the phone number change was by a male. I told them it was impossible, how could they make a change and not follow up and confirm with written notification. How could they accept change information from a male! I never received notification that such a request was made. 

They only replaced the bank card and account number. Never provided any proof I made the change and ach transfers.

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SBNASELFLNDR for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. 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. 

( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: CA

Complaint narrative:
In a letter dated XX/XX/XXXX, XXXX XXXX XXXX, a collection agency based in XXXX XXXX  XXXX, on behalf of XXXX XXXX XXXX XXXX  XXXX, claimed that as of XX/XX/XXXX, someone with a similar spelling of my name owed {$330.00}. Because I had no familiarity with XXXX XXXX XXXX XXXX  XXXX or knowledge of outstanding medical debt, I disputed the debt through the collection agency. I received a response on XX/XX/XXXX and shortly after, was provided via USPS, a collection agency report. The report, again, names a person with a different spelling of my first name, my last name, unknown XXXX XXXX, XXXX  address, and a DOB that is not mine, along with general information about the provider and date of service ( XX/XX/XXXX ). I called the collection agency and spoke to XXXX different people regarding the incorrect information. They assured me that if none of the identifying information pertained to me, then I had no reason to worry about it, especially if it has not appeared on my credit report. Less than a week after my phone call to the collection agency, the collection appeared on my credit report. I'm trying to understand how a collection agency can lodge this false collection/debt on my report when 1 ) It is not my debt ; 2 ) they do not have the correct spelling of my name ; 3 ) they do not have my correct DOB ; 4 ) I have never lived or received medical treatment in XXXX XXXX and do not have record having received services from the named provider. I disputed the debt with the credit agency ( Experian ) and they said they would look into it. Today, the dispute was supposedly settled and it is in the collection agency 's favor ( i.e., the collection debt will not be removed ). I am submitting this complaint because I'm reiterating that this is not my debt and both parties ( collection agency and credit agency ) need to do their due diligence.

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 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: COMMERCE BANK
State: CA

Complaint narrative:
The Commerce Bank website has all of my current contact information but my e-statements continue to go to an old email address I no longer actively use. I have tried contacting them online multiple times to resolve this issue but they are unwilling to acknowledge that they are sending the statements to the wrong address. 

As I am writing this XX/XX/2022, I have been on hold for XXXX minutes waiting to speak with someone to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OH

Complaint narrative:
took XXXX weeks to get my unemplement to be approved and finally when its time to collect thru us bank reliacard thats when the issue start i m in my XXXX week now waitting for them to send me a prepaid card but never got it and every time i called the want id verify or they telling me the fraud departement is stoping it. 
playing games with people money its not a game we have bills to pay and rent to pay and i m not gon na be evicted and live in the street in this cold wheater becouse those people dont care or dont know how to do their jobs their custmmer service is not trained or have the knowledge to fix problems or find a solution. fighting the scammers by punishing innocent people like us is not the right way to do it. 
us bank not a good choice for a goverment contract

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 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: OR

Complaint narrative:
Penn Credit : trying to collect debts for {$310.00} from someone who opened a XXXX XXXX acct. This account was not opened by me. Reported as fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
After, receiving a letter from Bank of America to apply for a business checking account, and being eligible too. On XX/XX/2022 I walked into a Bank of America branch located on XXXX XXXX XXXX, XXXX XXXX. I initiated a consumer credit transaction with my SSN/ XXXX also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a business account on Bank of America. I did not receive the treatment I expected. Instead, I was yelled at by the branch business account manager. In his words ''he 's not able to open an account for me, and it's not his job to find out as to why a business account can not be open for me ''. Credit worthiness is not a factor in their decisions. I provided every document required and was denied a new business checking, due to invalid reasoning 's, after I was informed, I may obtain any account at any branch. I'm highly disappointed in Bank of America as they have negative people representing them as a company. It is with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response, nor the correct communication.

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 2022-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I submitted my application for the Public Service Loan Forgiveness Temporary Waiver in XX/XX/XXXX. I obtained certification from both my employers for continuous PSLF and TEPSLF qualifying employment since XX/XX/XXXX. Under the waiver, I believe I now qualify for forgiveness. The first servicer XXXX acknowledged my application and notified me of missing information, which I supplied to them in XX/XX/XXXX, and never received any further information about processing of my loan. In XX/XX/XXXX, once the transition of the PSLF/TEPSLF servicing was transferred to MOHELA, I called to inquire about the status of my application and was told to wait until they reviewed my information. On XX/XX/XXXX, I checked the payment tracker and noticed that loan payments made between XX/XX/XXXX and XX/XX/XXXX were not reviewed or accounted for, and that some payments were listed as " no payment was due. '' When I called to inquire about this, I was advised that the employment certification forms sent to MOHELA from XXXX were truncated and difficult to read and I was advised to resubmit my employment certification forms. New employment certification forms from both of my previous employers were uploaded to the portal on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received multiple notices in the mail stating that my application for PSLF had been denied, and these forms indicated that my qualified employment dates had not been documented correctly. MOHELA had only documented as certified employment from XX/XX/XXXX- XX/XX/XXXX, when I have submitted certification documents from public service employers ( a city government and an academic XXXXXXXX XXXX XXXXXXXX ) continuously since XX/XX/XXXX. I called again on XX/XX/XXXX and was advised that there probably had been a systematic computer error when reviewing my application and a reprocessing request had been executed. At that time, I was advised to wait until XX/XX/XXXX to see if changes were made to my payment trackers indicating the application had been reprocessed, and if not, to call and request my application be referred to the escalation team. On XX/XX/XXXX, I checked my account and called to request my application be referred to the escalation team. At that time, I was told that I could not make that request and that I yet again had to wait until the application was processed. At that time, I requested to speak with a supervisor and have been on hold for over two hours. It is extremely frustrating and unacceptable that MOHELA continues to make errors when reviewing my application AND when I call to rectify the situation am repeatedly told my only recourse is to continue to wait.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX act # 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 consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: IN

Complaint narrative:
So I paid money for services wanted to quit services after first payment, then after month was taken money out of account again, ,called again to cancel service, then they actually got two months of service and took out another round of payments,,, I reported them to this agency, then two days later they suspended my account with still nothing done to credit fix,,, I could have paid off two of the creditors what I paid them, ,are you going to let these people pray on people,,,????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX I tried to pay a bill online at XXXX with my Chase Sapphire credit card. Chase blocked the charge and sent me an email and a text message saying they alerted it as fraud, that no charge was made, and to try it again ( after confirming it was in fact me ). So I tried the charge again on the Sapphire card. They again blocked it and send me an email and text message saying that the charge was not made and to try again, after confirming it was me. I tried a third time, now using my Chase Amazon card, and it was blocked again and all the same things happened. By the fourth time, my card went through. Then, I received all of those charges on my amazon and sapphire cards. I have called Chase 4x asking for them to dispute those charges with XXXX and asking them to correct the charges made on the cards as a result of their " fraud protection. '' I still am being charged for 3 repeated charges. I have also tried calling XXXX after Chase told me they could not help me and that I have to contact XXXX. XXXX will not help me because I no longer have an account with them. It is now XX/XX/XXXX, I am still being charged for the exact same payment XXXX.

Company response to consumer: Closed with monetary relief