vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
A XXXX prepaid gift card was purchased at XXXX on XX/XX/XXXX for {$50.00} which does not expire until XX/XX/XXXX. Upon checking the balance and putting in the card number and the pin I found out the card has no balance. I called the number on the card several times in the past years and when I gave the security code of XXXX is incorrect. I called them again on XX/XX/XXXX and spoke with XXXX at XXXX am, XXXX at XXXX am who was rude, raised is voice and spoke to me in a tone I didn't appreciate. He told me it was purchased at XXXX on XX/XX/XXXX for {$50.00} but that there were no purchases on this card and that the problem could be with the information entered upon purchase of this card at XXXX I was then referred to XXXX and after talking to XXXX that same day, XX/XX/XXXX who told me she could not pull up the transaction and I was then referred to XXXX XXXX XXXX and spoke with XXXX in the XXXX who did not help me.I left a message for XXXX management to call me back but haven't heard from them. 
I called US Bank National Association today XX/XX/XXXX and received no assistance.

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 2022-03-30 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I placed an order for a keyboard from XXXX, unfortunately I did not see that it was a XXXX vendor, which I avoid for reasons like this. I received a broken bag of plastic, so I started the return process with XXXX but the seller refused the return and offered me XXXX of what I spent as a " refund ''. Because XXXX will not step in in time, and I did not want to have to pay for this and then wait over a month for a refund check, I filed a dispute with PayPal Synchrony. Their process forced me to FAX the dispute. I faxed it and they received it yet still showed that I owe that amount. I called their support line and despite letting them know I am a XXXX  American and that the XXXX clearly does not allow a company to show one thing and say another, they insisted I do not owe the money shown on my online statement, thereby giving me mixed messages and discriminating against my protected status.

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 2022-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: IN

Complaint narrative:
As of XXXX I was told I was not able to get my monthly payments lowered & would have to start making Payments toward my loan of {$160.00} or more. Until I begin school in XXXX I would have not been able to defer my payment if I was not taking another course. I am a single mother of XXXX living in my home and I am not able to make those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: CA

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 2022-03-30 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: CA

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 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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The statute of limitations on collections is 5yrs in NY . I confirmed with a credit law firm that if you move to a different state the statute remains with the state where the debt occurred. 
Equifax has not only argued this but made it evident they can change rules at their discretion. 
I am requesting the CFPB investigate and force Equifax to follow the statute of limitations provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter Finance and XXXX XXXX XXXX are in violation of identity theft. I currently pay {$420.00} to Exeter Finance and this company doesnt have my physical title on hand when it was needed. The document attached will show information that was shared with me as proof that XXXX XXXX XXXX has access to my private information.

3-302. HOLDER IN DUE COURSE.

( 2 ) the holder took the instrument ( i ) for value, ( ii ) in good faith, ( iii ) without notice that the instrument is overdue or has been dishonored or that there is an uncured default with respect to payment of another instrument issued as part of the same series, ( iv ) without notice that the instrument contains an unauthorized signature or has been altered, ( v ) without notice of any claim to the instrument described in Section 3-306, and ( vi ) without notice that any party has a defense or claim in recoupment described in Section 3-305 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 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. If you wont delete the 5 late payments I want the trade line to 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 2022-03-30 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: TN

Complaint narrative:
I contacted equifax regarding this account it was remove but it keeps appearing on my credit file multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit reporting which i did not pursue.

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 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I received a call this morning from XXXX at XXXX, this person asked to speak with me and I said, " May I ask who's calling? '' because I did not recognize the voice nor did they list a business name. They stated, " XXXX XXXX '' even though it was a male 's voice. Then in a extremely stern voice, said, " Now is this XXXX XXXX '', I said " Yes, may I ask who is calling? '' in hopes that they would give me a business name. I honestly panicked because it was a local number and I thought it might have been one of my children sick at school or something. At this point XXXX raised her voice and said, '' MA'AM I just told you who it was this is XXXX XXXX and I am calling with National Credit Systems ''. I said " yes, and what is this in regards to? '' and She yelled at me again and said " MA'AM I'M TRYING TO GET THERE IF YOU WOULD LET ME ''. At this point, I stated " uh, uh, no ma'am I don't have to take that kind of tone, '' basically asking her to calm down and she hung up on me. I called back twice at XXXX and XXXX trying to speak with a supervisor to report the call and to figure out what the debt was for and both times they continued to try to collect the debt instead of listen to me and the call at XXXX when I tried to escalate, they hung up on me again. Then the call at XXXX, I actually corrected my information that they had incorrectly on file, which goes to show I was willing to speak with them and not irate, but when I mentioned filing a complaint, I was told twice that there was no one I could speak with in regards, to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover keeps reporting debt when I was given a 1099c. And Discover refuses to state on my report that when I filed my 2020 taxes debt was reported. Discover will not change information on my credit reports. Also I need proof of the dates that Discover claims I was late. Please provide records of the late payments Discover is claiming as I dont remember the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello to whom this may concern. I'm making this complaint on behalf of my self. 
I extended my credit to CAPITAL ONE AUTO FINANCE which CAPITAL ONE AUTO FINANCE stated that they're unable to provide me with an offer. I don't understand how I a consumer can be denied an extension of my own credit. I've contacted them about the matter where they ignored my request to resolve the matter. I think it its unlawful according to the Equal Credit Opportunity Act for a consumer to be denied because I exercised my rights with good faith in accordance with chapter 15 of the United States Code. I'm sure together we are able to resolve the matter within a reasonable amount of time with out causing further damages as there is civil and criminal liability for this behavoir.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heartland Resolution Group, LLC
State: VA

Complaint narrative:
This is a continuation of two prior complaints I have filed against Heartland Resolution Group LLC. The two prior complaints are XXXX and XXXX. Both of these complaints were closed because, according to Heartland Resolution Group, they " could not identify who has submitted this complaint ''. Heartland Resolution Group - here are YOUR REFERNCE numbers of accounts in YOUR computer systems, which YOU gave to ME. These should suffice to identify me as these are literally the reference/account numbers YOU ASSIGNED TO ME - # XXXX and # XXXX. I am not going to give any personal information over this platform, especially when these accounts are for a MINOR. You can look me/the minors account with those two reference numbers as they are YOURS, as noted in the letters YOU mailed to me. Heartland Resolution Group ( HRG ) is a scam company attempting to collect debt that is not owed and/or time barred. HRG works with XXXX XXXX XXXX, XXXX as their unlawful " debt collectors ''. XXXX XXXX XXXX purchases medical and billing information from XXXX XXXX XXXX. XXXX XXXX XXXX sells their patient's/client 's personally identifiable information without written consent from the patient/client. Heartland Resolution Group has been mailed, by me a dispute letter disputing these unlawful and DEBTS NOT OWED. I have also included a CEASE AND DESIST all communications from Heartland Resolution Group to me. I do not owe you anything. I have called XXXX XXXX XXXX and inquired about these alleged debts. They have on all occasions on a recorded line stated that they have forwarded any unpaid medical debts under my or my son to XXXX XXXX XXXX and they even went so far as to deny knowing who HRG even is. Leave me alone, Heartland Resolution Group. Stop your unlawful debt collection practices. I do not owe you or anyone ANYTHING. I have reached out to an attorney for help as well my state 's Attorney General. You are a scam company. Get real jobs and stop preying on innocent consumers. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
On XX/XX/2022, I tried purchasing {$4000.00} worth of XXXX via the Gemini platform from my linked checking account. The application kept freezing and not responding to my inputs. Since I couldn't get the transaction to process, I decided to try another time. Upon checking my email, I noticed that I had received some emails from Gemini indicating that a {$4000.00} transaction did indeed occur and that they processed an order for the incorrect currency. The app incorrectly placed the order for XXXX ( instead of XXXX ), which caused me to incur about {$83.00} in fees. I immediately reached out to Gemini to notify them of this error. In essence, at first, they told me " tough luck. '' After pressing them, they stated they would place my request with the " relevant team. '' It's been about nine days now, and after repeated attempts to follow up with them, they haven't responded other than to say that they're looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 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. If you wont delete the 5 late payments I want the trade line to 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 non-monetary relief
Consumer complaint received 2022-03-30 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 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. If you wont delete the 5 late payments I want the trade line to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Nevada XXXX Re : department collections attempt that is staturiel time barred To Whom This May Concern, I, XXXX XXXX, received several phone calls regarding a debt that is being claimed against me. I sent this company 3 certified letters, Re : CEASE AND DESIST ADDENDUM, attempt that is staturiel time barred and requested a verify the total debt amount, including any fees, and who the original party that is making the claims, Its successors, and - or assigns. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) called me and Threatened to sue me they refused to talk with my lawyer. the creditor told me that I had till Monday to respond other wise they are taking me to court. XXXX XXXX XXXX XXXX XXXX told me the dates of this dept was from. XXXX, XXXX and XXXX. 
The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago. I told them this account is staturiel time barred. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I called back and I told XXXX that the call was being recorded and that I needed i needed more information, She told me that after our conversation that this account has been moved to the fraud department. She said that she didn't have much information regarding my account. I asked for the mailing address. 
I do not admit liability for this alleged debt, and I do not intend to make any payments to for the following reasons : The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago No payment has been made to this debt by me, any joint account-holder, or any third party acting as my agent for a period of more than six years No written admission of liability for this debt has been made by me, or any third party acting as my agent for a period of more than six years. 
This debt is therefore Statutory time barred and any court claim to recover it will be defended on this basis. 
If you have evidence that this debt isnt statutory time barred, please send it to me within 21 days from today. Otherwise, please confirm in writing that you wont pursue me any further for this debt Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this accounts deleted or updated. This the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record

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 2022-03-30 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: CA

Complaint narrative:
Credit reporting which i did not pursue.

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 2022-03-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit reporting which i did not pursue.

Company response to consumer: Closed with explanation