vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX has continued to report to collections an account opened over 7 years ago that was opened under false pretences. Most recently upon request to dispute ( 10 + attempts previously ) they have reported this as a newer account opened in 2019. This account was opened fraudulently by a family member but no legal action was taken on my part. They continue to reopen and deny all previous disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/21 chase offered 20 % off on XXXX for gas on chase sapphire preferred card which l enrolled my card ending in XXXX into and filled up tank for {$35.00} on very same day, XX/XX/21. I called today XX/XX/21 to inquire about the credit l should have been given as it usually takes 2-3 days to appear on account online based on my previous experiences with all chase cards and other merchants credit cards. The agent l spoke to was super rude and said that if it doesnt appear within 5 days then there is nothing that they will do as its their policy not to make adjustments for promotional offers. Its not just ethically wrong but also falls under false advertisement and deception if they tempted their customers to use a merchant of their choice for their financial gains by offering rewards but later deny it. My reward comes out to be only {$7.00} based on {$35.00} purchase and my time is more valuable than {$7.00}, however, its a matter of principle and holding these big companies accountable for their actions. I also wanted to lodge this complaint so if its a constant issue and enough people report it then it should be investigated. 

Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28 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: Mobiloans, LLC
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit card paid full balance more than minimum asking for I had no balance XXXX then I received a interest rate with no charge I would like to close out my account with this credit card company as soon as possible Capital one credit card I had no balance after XXXX I paid on XX/XX/2021 no balance left until I received a interest charge just recently I paid my balance in full on time no late payment ever with this credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I sent a debt validation letter to all three credit bureaus. Both XXXX and XXXX said the debt was validated, but I asked for method of verification and original contracts that were signed and haven't received that from either of them. XXXX removed the account because they were unable to verify it then weeks later added the account back to my credit profile. I reached out to ProCollect on XX/XX/21 stating that I'm not acknowledging the debt, but would like this matter to be taken care of and offered to settle for the amount of {$350.00} and for this account to be removed within 10 calendar days of payment. The agent rudely said there is no settlement and my balance needs to be paid in full by XX/XX/21. I don't owe ProCollect this amount of {$1200.00} and XXXX collection fee.

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 2021-10-28 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: DC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER COL ENT ( Original Creditor : UNIV OF XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-28 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: GA

Complaint narrative:
I submitted a complaint to you all dated XX/XX/2021 Im regards to Experian violating my rights in accordance to FCRA 611 ( a ). I requested a method of verification letter, supplied my Identification and other documents per usual and Experian responded back to you to provide things already supplied along with letter. At this point they are trying to prolong this instead of resolving. I provided my documentation along with identification with the initial letter. So tell my why do you need it AGAIN?? I demand a deletion of the bankruptcy. Do not allow them to get away with this. It is sending a message that its ok to to violate consumer rights. They were suppose to respond in 15 days. They received on XX/XX/2021. Just do the right thing and stop trying to prolong this.

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 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retail Merchants Associates
State: TX

Complaint narrative:
I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from RETAIL MERCHANTS ASSOCIATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: KY

Complaint narrative:
Loan officer and underwriter refuse to answer emails sent out during the refinance process, send pushy texts and play games with underwriting. The only priority is their commission and when they aren't able to get what they want, they sabotage the process. 

After I complained to their Veterans United `` advocacy team '', the loan officer emailed and demanded more money to continue the loan process. Instead of assisting, VU causes additional problems. 

While they come up with additional underwriting requirements 8+ weeks later, the closing date keeps changing and I go without the equity money needed, while I accrue damages. 

I have attached email screen shots from XX/XX/XXXX, when the process was started, to XX/XX/XXXX when additional underwriting requests were made. I also have an email sent to Ms. XXXX that contained underwriting information, which was never accepted or even acknowledged 3 weeks 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 2021-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Credit inquiries I did not authorize someone is applying for things in my name and the creditors are not investigating. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-10-28 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: NJ

Complaint narrative:
Dispute Against : Experian, XXXX XXXX XXXX, XXXX, TX XXXX On Credit report # XXXX ( XX/XX/2021 ), Experian Reported account XXXX Acct # XXXX, as a charge of. 

This is invalid. 

This is my third time disputing this account as fraud. This account is the name of " XXXX Ask '' ; my name is not " XXXX Ask ''. I also have two fraud affidavits from the Federal Trade Commission. 

Experian has failed to do a proper investigation and has not removed the name " XXXX Ask '' from my report as I requested. 

Please see attached : -Federal Trade Commission Fraud Affidavits -Dispute Letter- -FCRA Laws 611,609, and 605

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 2021-10-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
My initial broker sold my loan to BSI Financial Services. Escrow is collected monthly to cover 2 separate HOAs. BSI failed to pay the annual assessments when they were due. One was paid over a month late, the other was 3 months late. Late fees, interest and collection notices were assessed to my account along with threats of foreclosure. After months of countless calling, one association was resolved. I am now working on the second association, which is still unresolved. I am attempting to refinance the loan in order to sever ties with BSI Financial, at significant cost of pre-payment penalties. That refinance may be threatened due to their mishandling of my account and inability to resolve a fairly simple problem. Upon investigation, I learned that this company has a history of this very situation, resulting in legal action for federal offenses. I am reporting that BSI Financial did not resolve their process flaws, despite the federal charges, the settlement they paid, and their PR statement committing to resolve to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am seeing a negative that doesn't belong to me. I live in XXXX but I'm getting a collection account from Nebraska, this is irresponsible on part of the credit bureau. 

Collection account {$290.00} I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX 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 2021-10-28 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: CA

Complaint narrative:
Was told XXXX signup bonus when I apply the card. After I met the minimum spend, Amex customers service I was denied for the signup bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX,, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from EDUCATIONAL CRED MGMT

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 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 Cash App allowed multiple fraudulent transactions occur to my account, when the charges were initially made I reached out to the support via phone and chat support, which has not resolved my issue. On XX/XX/2021 after seeing the transactions in pending status I immediately alerted them, they stated they could only dispute charges after they posted. {$3.00} from a XXXX account was charged to my card 32 times totaling {$120.00}, to which I still have not received back! In addition, after speaking with the rep whom said someone would be in contact via email regarding this I HAVE HAD NO RESPONSE! I've called the same number XXXX for three days back to back and the automated voice indicates they're experiencing higher call volumes! NOT FOR THREE DAYS WHEN YOU HAVE ALLOWED FALSE TRANSACTIONS TO OCCUR! When chatting with support they advise you to contact the merchant to which I explained this is fraudulent, how can I communicate with someone who has stolen my information! In addition to the {$120.00} that was stolen from my account and has not been returned they have allowed multiple fraudulent transactions and have 7 pending for which I did not authorize! I have ordered a new card and yet still, on XX/XX/2021 they allowed someone to clear out the small amount that was reflected with a charge from XXXX  of {$3.00} several times, XXXX {$3.00} and several other names such as XXXX XXXX for {$100.00}, another user by the name of XXXX XXXX attempted to charge {$50.00}. This is disgusting and immoral that as a company whom houses funds from all over does not have security measures in place to protect my money, no efficient customer service representatives to proactively stop things like this from happening when I reported each transaction while pending and stated its fraudulent, and a non-working phone number that DOES NOT OFFER SUPPORT! I am irate and want my stolen money returned to me immediately!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from ONEMAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Block, Inc.
State: NY

Complaint narrative:
I received a quarterly summary letter from XXXX XXXX dated XX/XX/XXXX referring to a new inquiry alert type. The date of the alert was XX/XX/2021. The details of the alert or square capital LLC. The credit reporting agency was XXXX. I attempted to contact XXXX and square capital LLC by phone but was unable to speak to any representatives as there was no option to do so. Online with both companies got me nowhere. I need to know if a loan was taken with my identity fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear Sir/Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


PLEASE REMOVE FRADULENT ACCOUNTS & INQUIRES BELOW!!! 

1. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Enclosed are the following : A copy of my driver liscense. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent informatio

Company response to consumer: Closed with explanation