vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: Continental Finance Company, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, I sent a company a letter requesting proof of permissible purpose because there was an unauthorized inquiry furnished on my consumer report for the date of XX/XX/XXXX. I do not have an open or closed account with this company. I gave them 10 days upon receiving the letter to respond, and they ignored my request about the inquiry the furnished on my report. I made them aware of the violation of permissible purpose 15 USC 1681b ( 2 ) when it comes to viewing consumer reports without the written permission of the consumer and told them if they failed to provide proof of permissible purpose, they must delete the inquiry from my consumer report. The inquiry still remains more than 30 days later.

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 2023-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
I was misinformed by a lender to not make the payment during a home refinance, we did not close on time so the payment has been reported as late. I reached out to the account lenders local office and made arrangements for a deferral. The account is still being reported as a late payment for the month. I have spoken to several folks at their corporate and they will not remove the reporting error or give a courtesy adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: OH

Complaint narrative:
On XXXX I received XXXX XXXX from XXXX XXXX. It was sent to a collection agency XXXX XXXX XXXX. 

On XX/XX/XXXX I paid in full the amount I owed XXXX. There was a reduction in the debit if I paid in full and I did. 

On XX/XX/XXXX I received a letter from Revco Solutions Inc saying I owe XXXX for services from XXXX XXXX on XXXX. I told them it was paid in full on XXXX. 

On XX/XX/XXXX I called to inform Revco Solutions Inc. I want this collection to end

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I received a letter from : Professional Credit Services : XXXX XXXX XXXX XXXX Oregon XXXX. Today : XXXX XXXX. Ph # XXXX. Account # XXXX. Addressed to me : XXXX XXXX XXXX XXXX XXXX XXXX Oregon XXXX. The bill was from XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX Oregon XXXX. I called XXXX XXXX they had no record of me. XXXX XXXX medicine. I called Professional Credit no record of me. But they have on file a XXXX XXXX, billing date of : XXXX. A court date of collection XXXX. I want re-inbursment times 3, for faults billing plus liability against me and to be restraining order to never contact me in anyway, to exspung this bill from all records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Deposited a check by mobile deposit on XX/XX/2023. After funds were issued to my account on XX/XX/XXXX I withdrew money on XX/XX/XXXX in morning. Then. That evening I noticed my account was negative and theres was no longer any sign of check being deposited I immediately went to bank XX/XX/XXXX to see what was going on. Upon looking into situation manager was XXXX. We could see deposit in my deposit history but it was completely gone otherwise. At this point he told me to call XXXX number because he didnt know what to do. I called number and was put on hold for an hour and a half. All three representatives had no idea what to do so an investigation was started. On XX/XX/XXXX I was contacted by investigator who said he could see where check was deposited but file must have deleted but he could see check image and had no idea what was happening He said money would be deposited now today XX/XX/XXXX I still have no money deposited. So I called again to be put on hold for over an hour. Finally when talking to representative who had no idea what to do and could not get any answer from technical department told me to redeposit the check. When I asked for his name he hung up. Ive had this account at Citizens for will over 10 years. This is a business account and money is for customers material

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Deposited XXXX in my checking account when it still had a positive balance. Bank told me they were holding my money for 7 business days becuase an overdrew my account a few times. 7 business days is too long since it involves a weekend and then 3 more days bringing zero acces to my account for 10 days which is 3 days longer than federal law. Also, since they had my checks on hold for so long, my account was overdrawn again since they were holding my money for so long. In another opinion, the excuse for holding my money was because of overdrafting. Since Im charged a fee for the each time that happened, they were paid each time with zero issues. This holding my money is totally unfair and is an excuse for the banks to hold my money so they can use it for 10 days. I called and complained and got brushed off with I have to speak to my manager and call you back which means we most likely will not call because thats how people are. I want my money and the bank to be told to never hold my funds ever again. Totally unfair, makes me late paying my bills or running my business. I want something done ASAP. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have issued a check in XX/XX/XXXX in the amount of {$1300.00}. The payable party notified me in XX/XX/XXXX that he never received the payment. My bank, Citibank, showed payment cashed and copy of check has no endorsement signature. Below is the timeline : XXXX - reported to Citibank that my check was cashed without endorsement XX/XX/XXXX - received affidavit from Citibank which I completed it and returned by email on the same date. 
XX/XX/XXXX - I follow up with Citibank by phone and was told they didn't receive the affidavit so I immediately sent it while I was on the phone. 

I have been calling twice a month since XXXX and I kept receiving the same message, Citibank " back office '' is waiting for XXXXXXXX XXXX to reply. I requested to Citibank credit me while the investigation is going on since Citibank released my money when there was no endorsement on the back of the check. Today is XX/XX/XXXX and I still haven't receive a credit from Citibank. Each time I want to escalate this to a higher hierarchy, they tell me there is nothing they can do and disconnect me or just disconnect without any word. 

I would like Citibank to credit me in full while they investigate. If my life depends on this money, I would be homeless and starved. Please help me to get my money back and hopefully to have Citibank provides better service to their customer. 

NOTE : I have copy of the check & affidavit but they have my information so I will not attached to this compliant. I am only attaching the emails that show the time when I sent in the affidavit.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in 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
Consumer complaint received 2023-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I am eligible for Public Service Loan Forgiveness. I am a XXXX who has worked at XXXX XXXX XXXX XXXX full time since XXXX. 

In order to get the PSLF I first consolidated my loans with Mohela, as required. Then, I filled out Mohela 's online application. My application was not accepted. So, I submitted a paper copy, which was accepted. After waiting a long time I received a letter telling me that XXXX XXXX XXXX government EIN number was in their database as a for-profit business. They asked me to submit a letter from my employer stating the name of the XXXX, that it is a non-profit, how long I have worked there, and giving the EIN number. I submitted the requested letter by uploading it to their website. I followed their exact directions regarding where to upload it. I received a denial letter again. When I called them they told me I had uploaded it to the wrong place. So, I uploaded it again. Today I received an email saying that my EIN number is not eligible, and that they need a letter from my employer ( the same letter I already uploaded twice ) or a W2. I uploaded the W2 and called them. I am now taking to a supervisor who is escalating the application, but I have no faith in the process as they seem unwilling to research the EIN number themselves, and I have no idea how to prove that XXXX XXXX is a non-profit other than by the means I have already employed. 

My manual application was processed on XX/XX/XXXX. Since then, I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. Each time I call they tell what I need to do and then say it will take up to 30 days to process. 

Now they are escalating my case, but also telling me that it could take up to 30 days to resolve, and in the meantime loan payments resume on XX/XX/XXXX. I should not have to pay them anything as I have been trying to have this taken care of since last XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Has Violated my rights. 

1. Account Name : XXXX XXXX / Account number XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX  Account Number : # XXXX XXXX.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights.

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-08-21 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
For the 4th time ( if not the 5th ) Chase allowed someone holding a fake ID to withdraw cash from my checking account, despite the fact that I've asked the Bank multiple times to protect my account by adding a flag to my account indicating historical fraud activities, adding a verbal passcode for counter services, and changing account number as suggested the banker -- - none have worked. Below is the timeline : On XX/XX/XXXX, someone withdrew {$3800.00} using a withdraw slip from my checking account. Discovered on XX/XX/XXXX and called Chase, filed a claim with claim number XXXX ; Followed up with Chase at the beginning of XXXX, met a banker at the branch and showed my ID ; Called Chase on XX/XX/XXXX for status update, was told it is still in investigation, and I needed to wait 5-8 business days ; Called Chase XX/XX/XXXX again for status update, was told I need to go to branch again for submitting photocopy of my ID, then I need to wait another XXXX days ; Visited Chase branch XX/XX/XXXX, asked a banker to copy my two forms of ID, was told it will take UNKNOWN period of time for them to complete the investigation. I told the banker that " XXXX business days '' is what I heard from the phone. The banker then ask me : who told you XXXX business days? do you have the name of the person who answered your call? 

I have to file this complaint on the : 1. the lengthy investigation period with XXXX communication. 
2. lack of controls ( if exists ) to prevent fraudulent activities on my account. 

Checking account number : XXXX Asking for official explanation on : 1. Why didn't Chase bank prevent such incident from happening again and again? 
2. What exact controls do we have as a Chase customer to prevent cashing from the counter? As I mentioned above, " adding flag '' and " adding passcode '' did not work at all, although these controls were suggested by a Chase banker. 
3. What took so long for the investigators to complete their work? My two forms of ID have been provided to Chase back in XX/XX/XXXX when the 1st incident happened.

4. Why there was XXXX communication from the Bank during the investigation period? No email, no mail, no messages in the Chase app. 

Hoping from hearing from the Bank soon. Thank you for your assistants in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I soldthe vehicle associated with the XXXX XXXX XXXX XXXX This account is reporting a late payment for themonth of XXXX and XX/XX/XXXX and then closed on XXXX XXXX. This is inaccurateand false. I sold this truck as is to XXXX XXXX and signed all of the legal documents generated by XXXXthrough their communication with XXXX XXXX. As of XX/XX/XXXX I no longer owned the truck or had access to it. Per thecontract that I was obligated to sign, XXXX Bankverified all information with XXXX. XXXXXXXX XXXX XXXX representative 's name is XXXX XXXX per thecontract I signed with XXXX. As of XX/XX/XXXX XXXX XXXX held the title. The XX/XX/XXXX and XX/XX/XXXX late reported on this account are inaccurate and false because the vehiclewas legally sold to the dealership who was in communication with XXXX XXXX. I was not obligated to make any furtherpayments to XXXXXXXX XXXX for XXXX and beyond based on XXXX XXXX XXXX  and XXXX XXXX communication. The derogatory payments reported should be removed from my public consumer file in accordance with the FCRA. See contract attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XXXX, I received an advertisement for a promotional offer from US Bank Account Card Services ( Visa Card ). In brevity, the promotional offer offered new customer/s who opened an account with US Bank to receive {$200.00} Cash Back Bonus if the customer/s spend over {$500.00} within 60 days from date of opening the account. Therefore, I applied for the US Bank Visa credit card through US Bank online website and was immediately approved. 

On XXXX, I received the US Bank Visa Credit Card and activated the account. Although the transaction was difficult due to US Bank website debacles, I was finally able to activate the account after over 5 attempts. Immediately following the activation I received a survey regarding the Customer Service. On the survey I shared my dissatisfaction due to the debacles and online service problems that US Bank was attempting to resolve. US Bank service representative XXXX XXXX contacted me in regards to the survey. I explained the issues that US Bank had and although XXXX XXXX remedied the issue temporarily, my second and third communication with XXXX ended in complete disarray as XXXX was rude and unprofessional to say the least. 

As I requested to communicate in writing for quality assurance and to avoid any miscommunication, XXXX stated that he would provide me with an email address which he NEVER did. Instead, XXXX disconnected my call abruptly and refused to resolve client/merchant issues with my account. 

Be that as it may, I have accumulated over XXXX rewards points equivalent to a cash value of over {$250.00}. However, US Bank and XXXX XXXX are refusing to allow me to redeem my rewards points for cash.

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 2023-08-21 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: TN

Complaint narrative:
Ive been a victim of identity theft. They have stolen my information and have been using my information to obtain credit with several lenders/banks. 

I was robbed back in 2020 and ever since I have been getting inquiries on my credit reports and also credit lines opened under my name, including recently, a checking account and a credit card with XXXX  XXXX. The perpetrators have stolen almost {$20000.00} from my XXXX XXXX account by fraudulently changing my information on my XXXX XXXX account and transferring funds onto this XXXX  XXXX account opened under my name. They have also tried to obtain credit under my name with several other financial institutions. 

There are numerous addresses and phone numbers on my credit report that are NOT mine due to these activities. 

These actions have hurt me tremendously and caused me to lose a refinancing of my home recently not to mention the stress and headaches this have caused. 

I locked and froze my Experian report but havent started the disputes with the other two agencies. 

Ive been working with both XXXX XXXX and XXXX XXXX to get these transactions reversed, and my money back. I have also filed a police report and they are investigating as well. 

I was advised by Experian to file this report. 
Any help with this matter will be greatly appreciated. 

Let me know what I need to do to proceed. 

Sincerely, 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