vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I, XXXX XXXX and natural person, was denied credit by MILESTONE MASTERCARD when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX of whom I am the Executor of the Estate/Trust of XXXX XXXX XXXX XXXX through a XXXX form from the Treasury with a XXXX with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my OWN credit, when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ).

You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by MILESTONE MASTERCARD due to the response I received.

MILESTONE MASTERCARD is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of MILESTONE MASTERCARD 15 U.S.C 1602 ( p ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have continuously been trying to submit a formal complaint with Experian an they will not do an investigation.

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 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened my business account on XX/XX/2023. Because of the nature of the business I am in ( XXXX  ), I typically deposit checks from insurance companies and individuals for relatively large amounts. I began depositing checks and noticed that they were not clearing up to 2 weeks. I inquired about the slow turn around time and they told me that it would only be this way for the first 30 days. It has now been almost 6 months and it is continuing to happen, in fact, it has never stopped. I deposited a check on Thursday the XXXX in the amount of {$14000.00}. I still do not have access to the money and, what's more, I have {$13000.00} in my account. I went to the branch in XXXX, Tx on XXXX XXXX and could not get any assistance but was provided with a phone number that no one seems to be answering. I can not conduct business in a timely manner because of this and would just like some assistance. I do not understand, if they can take my debit charges out of my account in 30 seconds, why can they not verify funds electronically and give me access to the checks I deposit?

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 2023-07-31 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Loan was transferred to new servicer. Accidentally the 3rd payment was made to the prior servicer on time and with sufficient funds, so we though the payment was made- all set as always. The prior servicer didn't forward the payment, ( or notify me in any way it was sent to the wrong place ) and the rejected payment didn't post as failed with my bank until after it was already late. I forwarded the copy of the bank statement showing it WAS paid on time, along with the payment, and the current month 's payment due, as soon as it was discovered it hadn't processed. 
I submitted to the servicer, who has since applied late fees, and is not posting the regular payments due to insufficient funds due to the unwarranted late fees that were applied. 

I have tried to expedite this with the servicer, to no avail, so it is time for the CFPB to try. 
It has negatively affected my credit rating, caused other credit score driven issue such as my a rejection of my daughters student loan application for her tuition due XX/XX/XXXX. If they due process the student loan, it affects the terms we receive on it due to the low credit scores associated with the issues created by the misreporting of Mr. Cooper regarding the mortgage payment servicing transfer issues. Mr Cooper was unwilling to to expedite any part of this. I attached the statement showing the payment XXXX to academy mortgage and the XXXX paid XX/XX/XXXX.. The rejected one was also resent on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Rent Bureau, Please see attached : - Experian Rent Bureau order form filled out and signed - My drivers license, social security card, and address I am requesting a copy of my RentBureau credit report

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 2023-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Atlas Credit Company, Inc.
State: VA

Complaint narrative:
Today XX/XX/2023, the staff at atlas credit came to my work, gave out private information regarding the reason for being there, when I asked her to not come by my job again or I would report her for harassment, she said well pay then and became verbally abusive. Then after she left, I proceeded to get text messages after I asked them to stop contacting me several times. I previously asked them not to contact me at work on my work phone because they were calling every day and I was getting reprimanded for the excessive calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc
State: NE

Complaint narrative:
Eviction on report was taken to court and dismissed. Incorrect dates, and Incorrect amounts. The motion was dismissed and court costs have been paid. They continue to add interest when legally they shouldn't. XXXX XXXX removed. XXXX will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I previously submitted complaint # XXXX for this company that is reporting info that is damaging to my credit. They have refused to remove their reporting. I have since found that they are reporting discrepancies on my credit report. Incorrect Reporting of account status : Closed account reported as open, Incorrect date of last payment, date opened, & date of first delinquency. The incorrect dates falsely manipulates the statute of limitations. 

I am demanding a deletion of the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Solar panels were installed and tree trimming was included in the total charge of the contract. The company refused to trim tree limbs overshadowing the panels as was promised in a verbal contract and is included in the total cost and service in monthly payments. And tree trimming that has not been done. Due to an epidemic of webworms and the limbs not being trimmed, the panels have become dirty and not performing as they should. The panels have been red-tagged by the fire department and did not pass the inspection. I have been unable to find the registered agent for this company in order to file a complaint in small claims court. As a XXXX XXXX I feel as though I have been taken advantage of. I have withheld the payments from Good Leap Finance company for this reason until this issue can be resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: FL

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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-31 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:
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 XXXX XXXX XXXX. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX A Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-07-31 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Client Services, Inc.
State: TX

Complaint narrative:
Client Services can use to call my phone, my spouses phone and my mothers phone leaving detailed information on all of our voicemails. When I tried to call back I am told they need my information to pull up the account. I refuse to give my information because I dont know who Im talking to. I did call the number listed. 
Below is the voicemail left my name is process server XXXX XXXX I've been retained to execute a five at your place of residence your place of employment between the hours of XXXX and XXXX XXXX today as per lawyer _filing party 's contact information because you do have a legal right to attempt to stop here served now the name of the following party on your document his client services that their telephone number is XXXX but I must hear from your filing party before my scheduled attempt some type of stop order to prevent me from executing your summons if I do not hear from this company when I meet with you you're required to show me two forms of identification when you sign for your

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: CT

Complaint narrative:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi we have a checking account with Chase Bank. They are charging us for an internal transfer between our bank accounts after they took over First Republic Bank. This fee makes no sense because it is just their computer systems not agreeing. This is affecting my credit score and is them taking advantage of consumers who have unwittingly been forced into their systems as part of their takeover of First Republic. It is not my problem that their computer systems do not talk to one another.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: GA

Complaint narrative:
I received my Social Security payments through a Direct Express card beginning with XXXX. 
My XXXX  had a XXXX and my family and I were having to travel back and forth from XXXX ( XXXX ) and XXXX, GA. 
Total by XXXX charged my account in XXXX XXXX times {$110.00} for XXXX XXXX phone. I couldn't get XXXX to correct the charges, so I tried through Direct Express. 
My XXXX XXXX  later in XXXX and I need the money to make payments for the XXXX, etc. 

My card was " Hot-Carded '' on XX/XX/XXXX and a new card allegedly mail out to me. 
As of XX/XX/XXXX - STILL no card and I can't get anyone on the phone to discuss it, nor is there a link on the website to assist. 
Please, please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called each of the past two months asking for forbearance on my credit card account due to an abnormally large minimum payment ( $ 1000+ ) and recent job loss. I was lead to believe that I was issued a payment plan by the representative on the phone, but in reality, only scheduled payments that could not be cancelled in an amount less than the true minimum were created and no forbearance options offered. 

I was still charged a late fee, was still marked as 30+ days late on my credit report, and was not warned of this in advance of these consequences in any way, even when verbally asked if I would be reported 30+ days late to the representative. 

I want to keep this account and am committed to paying it down, but Chase 's unwillingness to give any assistance has left me with my first ever late payments and a crushed budget.

Company response to consumer: Closed with monetary relief