vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 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: TX

Complaint narrative:
I contacted Equifax, XXXX, and XXXX and I never disputed anything. Instead Equifax disputes my accounts without my permission. All my info was in the breach and I am demanding everything to be removed. I never gave permission for a 3rd party to report anything to my consumer report. Equifax lies about investigating and never show proof of investigations. Equifax is reporting the wrong personal information which I advised them many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: The CBE Group, Inc.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX, XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I opened a XXXX XXXX credit card for a XXXX  procedure and had to set up a pay arrangement to pay off the card to close this account. After ensuring that the company was aware during the call with the employee for {$300.00} a month until the full {$1800.00} was paid off. I brought the balance down to {$450.00} and was getting ready to pay off the account i received a statement that stated i owed an additional {$780.00}. I called the company and explained that i had previously set up this pay arrangement with a member of their team and wanted the arrangement to be honored as previously agreed and would not pay the other amount because during the initial phone call it wasn't discussed nor brought up about this being promotional. Now i received an additional phone call and tried to explain how i initially freaked out and wanted the account closed and a notarized pay arrangement to be established so that this would not happen again. The man on the phone would not hear about it and even was acting smug about the situation while saying i wasn't able to request this arrangement and the statements were all i was going to receive. When asked why the initial phone call didnt include this information I was informed that the account specialist did not know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. My credit report has inconsistent information from all 3 bureaus. I know whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as well as conducting a proper investigation. I have highlighted the information that is wrong for XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. My credit report has inconsistent information from all 3 bureaus. I know whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as well as conducting a proper investigation. I have highlighted the information that is wrong for XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: FL

Complaint narrative:
I am a natural person, I am a living human being, I have right under 15 USC 16 81. 
XXXX, XXXX XXXX Experian is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX XXXX Experian written permission to furnish these accounts : XXXX XXXX XXXXXXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CBC Companies, Inc.
State: ID

Complaint narrative:
I am not sure who Factual Data is. I can assume that they are related to XXXX XXXX but I wasn't sure. I believe that my credit was run twice, possibly by the same group but I am unsure as they happened two days apart. I did apply for a pre-approval from XXXX XXXX  around the same time so it is unclear if my information was sold or if two different companies that are part of the same group ran it twice. Here is a summary of what happened with XXXXXXXX XXXX  : I was looking into getting a mortgage for a manufactured home. I was told that they were planning to run a " soft '' credit report and that it would not affect my credit score. I was looking for a preapproval only at this point. They ran multiple " hard '' credit reports and it dropped my credit score 4 points. I reached out to the agent and he told me that he indicated that they would be pulling the hard report but this was never discussed. I specifically asked because I have worked very hard to bring my credit score up and never would have agreed to a hard check at that point as I know that it will drop your score. When discussing the issue with the agent he simply said that he " told me '' which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I`m writing on behalf of my client, XXXX XXXX XXXX Her former creditor, Banco Popular de Puerto Rico ( BPPR ) sued her on 2016. After several processes she reached an agreement with BPPR with the full consent of the latter. According to this agreement she agreed to pay {$180000.00} as part of a Short Sale to end the judicial process initiated against her by BPPR. She paid fully the said amount and BPPR agreed to cease the judicial process against her. XXXX XXXX XXXX and BPPR authorized the notarization of this agreement. Nevertheless, BPPR maintains inaccurate or incorrect information about her credit that seriously affects her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lincoln Educational Services Corporation
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am resubmitting this complaint # XXXX because the Bank of America Regulatory Complaints Department is not responding to numerous messages i left them. The only response i received was an email stating to call the company at the following number ( XXXX ) XXXX XXXX. I called this number numerous times and left messages to call me back. I have not heard from anyone at this company. Please reopen this complaint as the company is unresponsive. 

Detail of original complaint : In 1995 I deposited proceeds of {$11000.00} from my XXXX XXXX with XXXX XXXXXXXX XXXX in XXXX Connecticut XXXX. I don't remember if the money was placed in an annuity or an IRA account. I moved from the area in XXXX of XXXX. Most of my financial records were lost in a flood and I do not have a record of the account. After some investigation I found that XXXX XXXX became XXXXXXXX XXXX and then Bank of America. The last I checked with XXXX XXXX they told me this account was given to an insurance company. I recently tried calling Bank of America they were unable to find the account by searching by my social security number. I checked with the XXXX  unclaimed funds and there is no record it was escheated to the state. I have a deposit ticket from a different account I held with the bank when it was XXXX ( see attached ). I do not know where this money went.

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 2022-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nickel City Group LLC
State: IN

Complaint narrative:
I have been receiving calls from a company called Nickel City Group LLC requesting that I call them back regarding a debt that I paid with them. I was suspicious that I had already paid this debt but they had an account number, the name of the company, and the amount owed which all sounded legitimate. I thought I had paid off this debt a long time ago but when I checked my credit report it didn't verify that. Therefore, I paid the Nickel City Group LLC {$320.00}. This transaction was processed as XXXX XXXX XXXX XXXX / XXXX XXXX NY POINT OF SALE DEBIT. Since, they have just called me again and I called them back and they hung up on me after giving me the wrong last 4 of my social. I think this company is some how gaining access to people 's past debt and preying on them to " pay it off '' again. XXXX XXXX was the lady I talked to and she got very offended when I accused her of fraud. When I called back today it sounded like the same person with a different name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently paid off two loan Mortgages In XXXX XXXX. Prior to paying them off my credit score was XXXX. The two loans were through XXXX XXXX XXXX and XXXX XXXX XXXX. Between XXXX and now my credit score has been reduced XXXX points. I have no late payments or derogatory remarks to explain why this took place. The only thing listed on report is my new loan mortgage ( its in good standing ) and Child support, which is also in good standing. The only thing that has changed is the closed Mortgage loan accounts. Ive called all three credit Bureaus and XXXX, but no one can me give an explanation as to why closing those two accounts affected my credit score so negatively. I fully understand that closed accounts can reduce your credit score some. But, losing a XXXX points for paying loans off is unacceptable. My credit score went from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXt # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15

U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXX  Account # 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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has been by far the worst to work with of all the credit bureaus. I had potential fraud on my account and was able to start a credit freeze with all three bureaus. About 3 months later, I requested the fraud alerts be removed and XXXX and XXXX each took about 5 minutes to complete that task but I have had to call Experian about 15-20 times and their automated system will not let you get to a person account representative. When I reach a business account representative, they advise they cant help. On one call about 2 months back I asked to escalate my issue to a personal account representative or supervisor and was told " no one was available and I would get a call back '' I requested to wait and they repeated " no one was available '' at that point I insisted I wait because I wasn't confident I would get a call back and the business representative hung up on me. I also never received a call back from that supervisor. 

I tried going through the automated system system and it says I do not have a hold on my account but multiple outside parties trying to pull my credit advise differently. I tried to go to the website and I get an error message directing me to call. When I call that number, its the same automated system where you can not get to a representative. Im just trying to unfreeze my credit!! 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 2022-08-26 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: NY

Complaint narrative:
I have sent in multiple letters with my FTC identity theft report and XXXX and Equifax have removed all the accounts I reported as identity theft but one account. XXXX XXXX is still reporting on my credit report. pursuant to 15 USC 1681c-2 : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of, '' XXXX and Equifax have not giving proof of this account and they tell me the count is verified but they were not there when this transaction took place so I dont know how they are coming to this conclusion. I was under the impression that after I sent in the identity theft report all truths would be revealed but here I am again making a complaint about a two companies violating the law and I have to make complaints over and over with no remedy and no proof what so ever. How are these companies allowed to break the law with no consequence. I sent in my identity theft report. So why is XXXX XXXX still reporting on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2022 I made a mobile check deposit of {$860.00} to my Citibank checking account. I noticed that when I made my deposit that nothing from my deposit was made available to me. I spoke with a Citibank representative through my Citibank app and they assured me that my funds would be available to me the next business day. I checked my account the next business day XX/XX/2022 and the amount that was available to me was {$1.00}. I immediately went back into my app and started a chat with a Citibank representative again and she then sent me the breakdown of the funds hold schedule. It clearly states in that schedule that a deposit in the amount of {$5200.00} or less {$250.00} of that said money will be available to the customer the next business day. Then it goes on to further say that for New Customers ( persons with an account for 30days or less ) the monies would be available in 5 business days. The first explanation applies to me but the second expiations does not. The fact that I have to wait 5 to 6 business days to access my money is very upsetting to me and non of the Citibank employees cared and were extremely rude. Two supervisors hung up on me and the other supervisor put me on hold and never returned to the 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 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I had an account with XXXX and they sold it to the collection agency without my permission and now the collection agency Credence is calling everyday after I told them not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XX/XX/XXXX- converted existing Capital One credit card ( limit {$8500.00} ) to a Capital One Venture Card. Converted because part of the offer listed in the bullet points in my online user portal was an offer of a XXXX mile bonus if I charged a least {$4000.00} within the first three months of having the card. 

XX/XX/XXXX - still had not received any further information or indication of the offer being " live. '' Called Capital One customer service. First person I spoke with said she couldn't find the offer, put me on hold, and hung up on me. Called again. Second person I spoke with put me on hold several times and finally told me that because I saw the offer in my online portal, they were going to honor it. He said he was transferring me to someone to be sure the offer was activated. The next person who came on the phone proceeded to tell me that they would not honor the offer. The call was RECORDED- please access the company 's recording to confirm that this is what he told me. Again, this call was recorded by Capital One. The call happened on XX/XX/XXXX beginning at XXXX XXXX  Central time and ending at approximately XXXX XXXX  Central Time. There is no refuting a recording. 

I would like to receive the offer that was given to me in order to entice me to convert to a Venture card. By converting to this card my annual fee was increased, but it was worth it due to the bonus offer. The company is trying to not honor the offer it gave to me online, and that it then promised to me on the phone in this phone call. This is deceptive as a business practice.

Company response to consumer: Closed with explanation