vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite having submitted disputes for the accounts listed below to XXXX, Equifax, and XXXX, I have not received any response from these credit bureaus concerning these accounts. This lack of response is a clear and willful violation of the laws governing financial credit reporting acts. 

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 To bring to your attention a matter of utmost importance regarding the negligence displayed by credit bureaus in removing unauthorized derogatory accounts from my credit reports. 

The absence of a response has hindered my ability to contest the accuracy of the information and investigate potential cases of identity theft. As a result, I have been prevented from mitigating the harm caused, which in turn has affected my capacity to engage in contractual agreements and conduct business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I tried to remove unfamiliar negative accounts # XXXX, XXXX, XXXX, XXXX numerous times and they keep appearing on my report. 15 usc 1681e ( b ). Has to be complete accuracy on my report and I am unaware of any of the following 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 2023-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AA Recovery Solutions, Inc.
State: OH

Complaint narrative:
I was contacted by phone and text from AA recovery solutions about an allayed XXXX account. They sent me threatening text which I will upload saying if I dont contact them today it will be a direct refusal on my voluntary option meaning to me sue or other extreme measures when they didnt even mail me a letter or validate debt etc. they also called me and used same language with veiled threats they are not licensed in my state to collect debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Im being denied to rent a place to live with my child anywhere because of a car loan that is showing delinquency and Im not the owner of the vehicle from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
XXXX. ) XX/XX/XXXX I contacted Mr. Cooper ( mortgage co. ) to request an application for a Home Loan Modification to reduce my monthly mortgage payments, as they were scheduled for another increase in XXXX due to an increase in the interest on the loan and increase in property taxes. I retired in XXXX and my income has lessened significantly since I was actively working. On XX/XX/XXXX, I sent them the completed application along with the requested documentation. 

2. ) Three weeks later, Mr. Cooper notifies me that they sent me the wrong form and I would be receiving the new form to complete. I did not receive the new form until XX/XX/XXXX. I completed the new form and returned it to them on XX/XX/XXXX. They said it could take up to 30 days to process. 

3. ) I had initially requested in XX/XX/XXXX, that the XX/XX/XXXX and XX/XX/XXXX payments be put on the end of the loan and I would be making a payment in XX/XX/XXXX for the new amount which I was initially told would be {$1000.00}. I was subsequently told that it would be {$1100.00}. Then most recently, a woman named XXXX XXXX at Mr. Cooper ), told me that I could not do a deferral and a modification at the same time. 

I am concerned that this process is taking a lot longer than originally anticipated and that I may lose my house. When I first spoke with Mr. Cooper I was never told that you couldn't do a deferral and a modification at the same time, as that is when they provided the amount of the new mortgage payment. 

Can this process be expedited due to the fact they had sent me the incorrect form initially?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE NOT RECEIVED ANY INVESTIGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
I would like to see the documentation that was used to determine the accuracy of these accounts. I'm not sure why you're saying that they're accurate, because I'm sending you irrefutable facts taken directly from my credit report! How is this possible that you're in charge of maintaining the data on my credit report but fail to ensure its accuracy? I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report. I am attaching my credit report showing the discrepancies in the data reporting along with the dispute letters mailed which are dated and time stamped. Please send me everything you have on this account ensure accuracy or remove this account within 15 days : XXXX XXXX XXXXXXXX

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 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a complaint regarding a recent issue I encountered with American Express regarding their failure to provide me with the promised welcome offer for my credit card. Additionally, I have concerns about the fraudulent promotion advertisement they used during the application process. 

I applied for an American Express credit card on XXXX XXXX with the understanding that I would be eligible to receive a welcome bonus of XXXX Membership Rewards ( MR ) points upon meeting the specified criteria. However, after six months of fulfilling all the requirements, American Express informed me that I was not eligible for the welcome bonus. According to their explanation, I should have received a pop-up message during the application process notifying me of my ineligibility, but I never received any such message. I can confidently confirm that I would have declined to proceed with the application had I been aware of this information. 

The misleading and fraudulent promotion advertisement employed by American Express is deeply disappointing. As a responsible consumer, I carefully reviewed the terms and conditions of the offer before applying, and I fulfilled all the necessary requirements within the designated timeframe. It is disheartening to be denied the promised welcome bonus of XXXX MR points after investing time and effort into meeting the obligations. 

In light of this situation, I kindly request your intervention and assistance in addressing this matter with American Express. I believe that American Express should honor their promotional promises and rectify this issue by providing me with the welcome bonus of XXXX MR points that I am entitled to. 

I urge the Consumer Financial Protection Bureau to take appropriate action to ensure that American Express addresses this deceptive marketing practice and resolves the issue to the satisfaction of affected customers. 

Thank you for your attention to this matter. I look forward to your prompt assistance and a fair resolution. Should you require any additional information or documentation from my end, please do not hesitate to contact me at [ your contact number ] or [ your email address ]. 

Sincerely, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Im being denied to rent a place to live with my child anywhere because of a car loan that is showing delinquency and Im not the owner of the vehicle from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: Park Hill Holdings
State: NC

Complaint narrative:
Im being denied to rent a place to live with my child anywhere because of a car loan that is showing delinquency and Im not the owner of the vehicle from 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 2023-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Per XXXX XXXX XXXX I need to file an FTC report for fraudulent inquiries on my credit report for them to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2023, my Citi Bank credit card ending in XXXX was used in multiple stores, while I was in my home with the credit card in my possession. The purchases add up to about {$500.00}, and the stores/purchases are as follow : XXXX, XXXX : {$200.00} XXXXXXXX XXXX XXXXXXXX : {$70.00} XXXX, XXXX : {$63.00} XXXX  : {$200.00} I have been trying to dispute this charge since XX/XX/2023 with Citi Bank. I have sent evidence to Citi Bank, such as pictures of myself at my home during the time of the purchases, with a time stamp of XXXX. I have sent also sent my work time card with clock my in time of XXXX. I have also filed a police report with the case number of XXXX. Further, it should be noted that my spending pattern on that credit card does not mirror that of these purchases, as this card has been used minimally. I have worked hard to pay off this credit card and I really need help in fighting this dispute.

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 2023-05-18 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:
I want to file this formal complaint to TRANSUNION. I sent them a letter last XX/XX/2023, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-05-18 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: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 Nelnet , Inc. sent a written confirmation stating that an update on account number : XXXX has been sent to all credit reporting agencies to reflect a {$0.00} account balance. As of XX/XX/2023, all credit reporting agencies has reported inaccurate account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Credit Management is harassing me with repetitive phone calls even after asked to stop. They have called me almost everyday since XX/XX/2023, but always from an unknown/private number. The first phone call was answered on XXXX at XXXX. Advised the representative to mail documents pertaining to the debt in question be sent to the address listed on the account and not to call me again. I then received calls on : XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, and XX/XX/2023 at XXXX and XXXX. I answered the second call on XX/XX/2023 and spoke with XXXX. I advised him that what they were doing was harassment. I had already spoken to prior representatives and told them to mail the documentation and to stop calling me. I also advised that the repetitive calls were illegal and I would be filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : 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 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.

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 2023-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Just over one month ago ( around XX/XX/2023 ) I went to my local Citibank branch to inquire about obtaining a Debt Consolidation Loan. I had an existing DCL from Citibank acquired approximately two years earlier with just over {$10000.00} remaining. The loan officer submitted my data. Citibank underwriters came back with an offer of {$30000.00} ( note : in the total of my debts submitted were an existing car loan which Citibank does not do car loans, and two Citibank credit cards which Citibank would not cover their own credit card debts, but they seemed to here ). I declined the offer over concerns I would be unable to make the monthly payments. I asked if they could offer a smaller loan. Citibank 's reply was they could offer {$24000.00}, but no less. I accepted the offer. When the paperwork arrived I was listed to receive one check for {$4500.00}, and another check was to be made out to XXXX for {$9100.00} XXXX XXXXXXXX XXXX, a credit union handling my car loan ). This was not acceptable for me. I went back to the same Citibank and same loan officer. I showed her the paperwork, and explained this was not acceptable for me. She called the Citibank underwriters and we were assured over the phone three times that the loan money was to be made out in my name, not in part to XXXX. So, I signed the paperwork in the presence of the Citibank loan officer, and submitted the paperwork through the provided UPS envelope. Within a couple of days I received additional paperwork, and two checks, one made out to me and the other to XXXX as I had been assured it would not be. Repeated attempts on my part and that of the loan officer to get the {$9100.00} check to XXXX cancelled and issued to my name have failed. I informed Citibank numerous times I no longer wanted the loan. I have not cashed or deposited the check for {$4500.00} made out in my name, nor have I sent the check for {$9100.00} to XXXX. Today is XX/XX/2023. Today both checks are now 30 days old. On the checks it states " VOID AFTER 30 DAYS ''. Toward the beginning of this process, I was informed by Citibank underwriters that if I allow the checks to void the loan will be cancelled, and revert back to the previous {$10000.00} Citibank loan. No one at Citibank will now confirm this {$24000.00} loan will be cancelled. No one at Citibank will help me resolve this. I do not want this loan. I can't understand why Citibank would do this to a long to customer unless it is because they want the {$12000.00} finance charge no matter how much they are hurting me. Please help.

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 2023-05-18 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: SC

Complaint narrative:
In accordance with the fair credit reporting 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 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 2023-05-18 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: SC

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

Company response to consumer: Closed with non-monetary relief