vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-15 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: DE

Complaint narrative:
I HAVE ATTEMPTED NUMEROUS OF TIMES TO HAVE UNAUTHORIZED INQUIRES REMOVED FROM MY EXPERIAN CREDIT REPORT. I HAVE SENT LETTERS, CALLED NUMEROUS OF TIMES AND I ALWAYS GET HUNG UP ON WHEN I ASK TO SPEAK WITH A SUPERVISOR. I HAVE ATTACHED A FTC LETTER WITH ALL OF THE INQUIRES THAT WERE NOT AUTHORIZED BY ME. BLOCK AND REMOVE THEM

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 2022-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 42 hard inquiries most of them werent authorized but besides the point the number of hard inquiries is not reporting ACCURATELY across all 3 bureaus. This is stopping me from a fair/accurate 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 2022-05-15 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: CA

Complaint narrative:
I have 42 hard inquiries most of them werent authorized but besides the point the number of hard inquiries is not reporting ACCURATELY across all 3 bureaus. This is stopping me from a fair/accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX Account # listed below has violated my rights. 
Hard inquires XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  never late reported incorrectly XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SECTION 602 A 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.

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 2022-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX ( 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 an account without my written instructions.

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

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 2022-05-15 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Credit Bureau : Experian refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : New Address : XXXX XXXX XXXXXXXX XXXX XXXX, Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Credit Bureau : XXXX refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : Correct Address : XXXX XXXX XXXX XXXXXXXX XXXX Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : 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 non-monetary relief
Consumer complaint received 2022-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
US bank has not set up our escrow account correctly to make payments to our township ( we are in a PILOT scheme ). Last year we were in arrears on this money with the township and were charged over {$500.00} in interest payments by them ( which US bank paid after I had made a complaint. They assured me that the mistake had been rectified and payments would be made correctly from now on. Yesterday I received notification from the XXXX that our quarterly PILOT payment that should have been paid in XXXX has been missed. On checking my mortgage account the funds are available and are in my escrow account. This will mean we will again been changed interest by the XXXX and I am also concerned we are suffering reputational damage with them as we are seen as late payers. I have no confidence that going forward the lender will service our a count correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello. I have an American Express credit card. I receive the upgrade credit card from the company and will be rewarded with XXXX points if I complete the consumption within the specified time. I have upgraded and completed all requirements. But the company said it wouldn't give me XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: GreenSky, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX I signed a contract with XXXX XXXX to have new windows installed in my house. The original amount for windows and siding was {$25000.00} but I decided to cancel the siding so the new amount was {$12000.00} just for the windows. I made a down payment of {$2500.00} on XX/XX/XXXX and the remaining {$9500.00} was a loan from GreenSky. GreenSky worked with XXXX XXXX so I did not have a choice with the loan company. 

On XX/XX/XXXX I received an email from GreenSky to set up my account. I would received 12 months, no payments required with interest deferred. My first payment was due XX/XX/XXXX and if I did not pay off the load at that time interest would be added and accrue. I planned to pay the {$9500.00} before XX/XX/XXXX so there would be no charges or interest. 

On XX/XX/XXXX I received a phone call from XXXX XXXX that the windows would be installed on XX/XX/XXXX. On XX/XX/XXXX I received an email from GreenSky asking if the job had been completed. I was asked to click on either yes or no and I clicked no because it had not started yet and wouldn't be completed until XX/XX/XXXX. 

On XX/XX/XXXX I was told my windows would not be installed on the XXXX. As of today, XX/XX/XXXX I have still not received my windows. 

I contacted GreenSky back in XX/XX/XXXX to tell them but they said I still need to pay the loan because I told them the job had been completed, which I had not, and they had already paid {$9500.00} to Windows Select for the windows. This is where things stand as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Credit Bureau : XXXX refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : New Address : XXXX XXXX XXXXXXXX XXXX XXXX Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Credit Bureau : Equifax refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : Correct Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: GA

Complaint narrative:
1 : XXXX XXXX XXXX inquiry XX/XX/2021 ( Ive contacted this company to remove inquiry but to no avail. ) 2 : XXXX XXXX Used Cars- inquiry from XX/XX/2021. 

3 : XXXX XXXX XXXX inquiry from XX/XX/2021 4 : XXXX XXXX inquiry from XX/XX/2021 5 : XXXX XXXX XXXX- inquiry from XX/XX/2021 6 : XXXX XXXX- inquiry from XX/XX/2021 7 : XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 8 : XXXX XXXX XXXX inquiry from XX/XX/2021 9 : XXXX XXXX XXXX inquiry from XXXX XXXX 10 : XXXX XXXX XXXX XXXX XXXX- inquiry from XX/XX/2XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
During the time of XX/XX/XXXX, I purchased a car from XXXX, using an extension of credit from my cestie que vie trust. Signed a bilateral contract between XXXX and the beneficiary of the trust. XXXX of XXXX, I began receiving harassing calls from BRIDGECREST about an alleged debt. I have sent Bridgecrest several debt validation requests since XX/XX/XXXX. Upon receiving information that the original creditor is XXXX, I requested a debt validation from XXXX to which XXXX responded saying they were unable to validate. Therefore, if XXXX, the original creditor is unable to validate the alleged debt, BRIDGECREST is unable to validate the alleged debt, how then can Bridgecrest claim the debt has been validated? How was the alleged debt validated to be reported negatively to my credit reports? If indeed, the alleged debt is valid, what were the steps taken to validate? Bridgecrest has provided documents that show that Bridgecrest is not listed on the original contract nor does the original contract show Bridgecrest as a signing party to the contract. Therefore, how can Bridgecrest claim they are a party in the contract and how did Bridgecrest obtain my private information? I never consented for my private information to be solicited and bought on back door deals in which I have no knowledge of, this is clear evidence of IDENTITY THEFT and evidence of FRAUD IN THE FACTUM. Bridgecrest has claimed they are the account servicer but has failed to provide evidence of this statement in the original contract. This is another clear evidence of false and misleading statements which is a violation of 15 USC 2B 78ff, which is subject to fines of {>= $1,000,000}. Furthermore, Bridgcrest and XXXX has violated my consumer rights and my privacy rights which are a violation of 18 USC 1028A, and to add, Bridgecrest is furnishing and negatively reporting collections attempts which is another violation ; 15 USC 1692d ( 4 ). At this Time I invoke my right to rescind any alleged contract with Bridgecrest and XXXX pursuant to 15 USC 1635. I have been damaged and demand remedy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: FL

Complaint narrative:
I have submitted disputes to you amd i didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to close/permanently unable my PayPal account XXXX I am using my Paypal account for my online business/jobs - Encoding tasks and accounting consultation of selected companies since 2021. My Paypal accounts ' funds, XXXX and XXXXXXXX XXXX XXXX have been stuck in it that I have to withdraw asap for emergency purposes. Thru your benevolence, I am hoping that I will get back my account and be able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My issue is not with a particular vendor/creditor ... The issue I have is with the way in which reporting is incongruent between states... here is an example ... My file is in SC where neg items stay for 7 years ... someone else with negative items that just happens to be a resident of Texas ... their negative items are gone after just 4 years... 

So my point is... I am being treated differently than others... just because of my national/state origin '' ... this is wrong and the credit laws need to be applied the same... equally to all persons ... and right now that is not the case. 

What is my recourse?... I am not being treated equally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
New american funding has handled my entire loan modification unprofessionally. They said it takes up to 60 days to process but it took longer because their staff is unprofessional, unorganized and unethical. I have been stressed beyond measure because I can not get a payoff quote to sale my house. There customer service reps are all untrained and give different info depending on who you speak with. Supervisors are never available and its impossible to speak with a manager. My issue has been escalated for 3 months and this company has done nothing but slow the process and make mistake after mistake.

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 2022-05-15 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: GA

Complaint narrative:
1 : XXXX XXXX XXXX inquiry XX/XX/2021 ( Ive contacted this company to remove inquiry but to no avail. ) 2 : XXXX XXXX Used Cars- inquiry from XX/XX/2021. 

3 : XXXX XXXX XXXX inquiry from XX/XX/2021 4 : XXXX XXXX inquiry from XX/XX/2021 5 : XXXX XXXX XXXX- inquiry from XX/XX/2021 6 : XXXX XXXX- inquiry from XX/XX/2021 7 : XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 8 : XXXX XXXX XXXX- inquiry from XX/XX/2021 XXXX : XXXX XXXX XXXX inquiry from XXXX XXXX 10 : XXXX XXXX XXXXXXXX XXXX Oda- inquiry from 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 2022-05-15 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: GA

Complaint narrative:
1 : XXXX XXXX XXXX XXXX XX/XX/2021 ( Ive contacted this company to remove inquiry but to no avail. ) 2 : XXXX XXXX Used Cars- inquiry from XX/XX/2021. 

3 : XXXX XXXX XXXX inquiry from XX/XX/2021 4 : XXXX XXXX inquiry from XX/XX/2021 XXXX : XXXX XXXX XXXX- inquiry from XX/XX/2021 XXXX : XXXX XXXX- inquiry from XX/XX/2021 7 : XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 8 : XXXX XXXX XXXX- inquiry from XX/XX/2021 9 : XXXX XXXX XXXX inquiry from April 2021 10 : XXXX XXXX XXXXXXXX XXXX XXXX- inquiry from XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted disputes to you amd i didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank you

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 2022-05-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted disputes to you amd i didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank you

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 2022-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/22, i called 5/3 bank 10 times called, they answered, then said " call center was closed '' but opened 24/7 they answered 2 times then they will send msg on phone " the office is closed '' but they answered. these ppl will not let me check account balance over the phone as ive done many times i do not want to use app ppl steal. these are ppl in XXXX  i just like to conduct business in usa, as my phi, and others things were breached. im filing another complaint as these ppl causing these problems never had problems with banks until these ppl XXXX are conducting business and stealing on top of it gov knows all going on and its allowedMortified!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Hello- I'm filing this complaint because XXXX is trying to collect a debt that we don't owe. 

Here is what happened : We had asked XXXX to terminate our connection on XX/XX/XXXX as we were moving out of our then home at XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Illinois. XXXX did not act on this and kept billing us over and over again. Until they finally cut our service. I called them numerous times for an updated bill, they didnt respond to this as well. 

I called their customer service ( name, date ) : XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Im spending my time on this for their inability to work through these things. This is seriously stressing me out. 

Our XXXX account number : XXXX XXXX XXXX XXXX Our debt collection # : XXXX I hope proper action is taken. 

Thanks!

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 2022-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services
State: AZ

Complaint narrative:
In the XXXX  months that I have had my car loan through Mercedes Financial, they have misapplied my payments in at least 7 possibly more of the payments. I have called, written and received promises from MBFS that this would not happen again and yet it does. They have assured me that my account will be checked, but then I receive phone calls, and as of today my account is showing delinquent, and I received mail trying to collect a debt already made. The payments are made timely from my bank, I use online bill payment so that I can retain a clear record of the process and item that is processed. On several occasions Mercedes admitted that they improperly posted these payments to other accounts adding a zero even though the check and account number are correct on the check sent to MBFS. I do not want to have to follow up on Mercedes each month to ensure they correctly post to my account. 

Last weekend seeing the account is showing past due, I called MBFS to obtain an email address where I could send a note. On Saturday, XX/XX/XXXX I sent an email but to date have not received a reply. I did however receive a collection letter distributed on XX/XX/10. I have copied of all cleared checks if needed.

Company response to consumer: Closed with explanation