vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Block, Inc.
State: IA

Complaint narrative:
I have received 3 unsolicited business debit cards from SQUARE. I attempted to call them as well as contacting on XXXX, XXXX and email. I am not a customer of SQUARE so its next to impossible to speak with them as the routing options on their phone system is only for customers with customer numbers. I asked them to stop sending me debit cards in the mail but I continue to receive them and no resolution from SQUARE. This is harassment possibly identity theft. No one from SQUARE has reached out to me by phone to discuss the problem or offer resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: PNC Bank N.A.
State: OK

Complaint narrative:
Back in XXXX I filed a dispute with all three credit bureaus and the company BBVA ( formerly known as Compass Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account XXXX at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the XXXX was released and the vehicle has been paid off. When calling into XXXX today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXX XXXX XXXX stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
I had a loan through Affirm/ XXXX XXXX with the Merchant named XXXX XXXX I had submitted a dispute as the merchandise was stolen and not received. During the investigation, I attempted to pay the installment, however, I was advised that during the dispute I could NOT make payments on the loan until it was resolved AND this information would NOT be reported to the credit bureaus. I checked my credit reports with all three bureaus and Affirm is listed negatively. The loan has been satisfied and I have been in constant communication with Affirm/ XXXX XXXX. I am requesting for the negative items to be removed and to reflect the accurate, up to date information which is a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24 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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
On XX/XX/2022 my wallet was stolen with all my credit cards and ID I contacted XXXX comenity bank credit card right away about it. It was {$580.00} and the said they took it off. I kept checking it has not been removed. I called several times waiting on the phone for extended periods of time and talking to different people giving them all my information and then not doing anything about it. Every time I call they say there wasnt any information about it which Im thinking people are not doing anything at their job Im highly frustrated I filed a police report and all my other credit cards have given me the funds back except for them. Its hard to talk to someone and when I do they just lie about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24 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:
In accordance with the Fair Credit Credit Reporting Act. XXXXt Account # XXXX has violated my rights. 

In accordance with the Fair Credit Credit Reporting Act. XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A, States I have a right to privacy 15 U.S.C 1681 section 604 A, It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-07-24 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: IN

Complaint narrative:
Experian a 3rd party reporting agency who is not allowed to furnish any report without my consent ( 15 USC 1681B ) refuses to correct information on my consumer report with regards to an account XXXX  XXXX XXXX XXXX. the account is fraud and i am in dispute with citizens one auto finance so until the matter is completed, Experian should not report the account. the account was closed/written/charged off in XXXX of XXXX and Experian has another charge off date as of XX/XX/XXXX, this is largely inaccurate and affecting my score. according to irs publication XXXX a charge off is claimed as income on my tax return so how is it reported as a debt? another inaccuracy! i have no contract with XXXX  XXXX XXXX  XXXX  making me obligated to perform any duties to them, i have not received the original contract from citizens or Experian. Experian has refused to show me how they validated this report - what process was used, employee who handled the process, information that was gathered on the account for the report. 
12 USC XXXX2 & 83- states bank can not loan money so i'm confused on what XXXX XXXX XXXX  is speaking of? 
15 USC 41 & 1692g- the debt is now officially in dispute, by law all activities must cease until the matter is resolved due to the fraud of this matter i am able to right to recession 12cfr & 226.15 u.c.c. 1-201 & 4 -unathorized signature made without actual, implied, or apparent authority i have not been able to cross examine XXXX XXXXXXXX XXXX XXXX  about the matter, i have spoken with representatives of XXXX  XXXX XXXX XXXX but since the representative didn't sign the contract i need to speak directly to XXXX XXXX XXXX XXXX since that is supposedly has first hand knowledge of the situation, first hand knowledge refers to someone who was the witness and or saw or was in the room with me signing that contract, haven't spoken to anyone. 
XXXX XXXX XXXX XXXX seems to be furninshing false and deceptive forms to make it look like i owe a debt 15 USC 169J 15 USC 1692b ( 2 ) -stating a consumer owes a debt when if fact eh consumer does not

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 2022-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed a complaint previously regarding this matter and Chase refused to remove the excess interest they charged me on both my accounts once I had paid them in full, well before the due date. They are saying it is " residual interest '' that is charged between the time they billed me and when I paid the accounts in full. It was always my understanding that if the account was paid in full before the due date, there is no interest to be charged. 

They reduced one card down to {$37.00} on the account ending in XXXX. I paid the {$.00} owed after the remaining balance was paid on XX/XX/2022, well before the due date. when I got my next statement for XXXX, XXXX they had charged me interest on the entire amount previously owed! I refused to pay the {$37.00} and my account balance is now ( again ) {$86.00} with a balance due of {$77.00}. At one time, it was as high as {$100.00}. I'vve been charged yet another {$29.00} in " fees ''. I accidentally made a {$20.00} charge on that card, which I will be changing, and they accepted the payment, assumably, on the " overdue '' amount. 

The second account, ending in XXXX did have a balance of {$5.00} but apparently Chase decided not to try to collect that and my account is now showing a credit of {$.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602a STATES, I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604a 2, ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1692d- HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR THE NATURAL CONSEQUENCES OF WHICH IS TO ABUSE THE HEARER OR READER, ( CAUSING XXXX XXXX ) 15 USC 1692b. ACQUISITION OF LOCATION INFORMATION, ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT. TITLE 15- COMMERCE AND TRADE CHAPTER 94 - PRIVACY SUBCHAPTER I- DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602a STATES, I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604a 2, ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1692d- HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR THE NATURAL CONSEQUENCES OF WHICH IS TO ABUSE THE HEARER OR READER, ( CAUSING XXXX XXXX ) 15 USC 1692b. ACQUISITION OF LOCATION INFORMATION, ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT. TITLE 15- COMMERCE AND TRADE CHAPTER 94 - PRIVACY SUBCHAPTER I- DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.

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 2022-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
The company responded on XXXX XXXX they sent a letter requesting deletion of this account. As of today XX/XX/XXXX, XXXX still show that the account is negatively reporting to their agency PLEASE SEE the previous response from Medical Data Systems : XX/XX/2022 Complaint Case No. XXXX Consumer Name : XXXX XXXX XXXX XXXX : NAME : Medical Revenue Service ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX NO. : ( XXXX ) XXXX Dear XXXX XXXX : Thank you for taking the time to communicate this matter to us. We pride ourselves in maintaining the highest quality standards for each of our clients as well as consumers. We take these complaints very seriously. It is our policy that all complaints undergo a thorough investigation ; and the results of this investigation are as follows : Account number : XXXX XXXX has submitted a deletion request to the credit bureau on the above mentioned account due to incorrect debtor information upon placement in collections. No other contact has been made on this account. Attached is the credit bureau deletion letter and balance letter for your records. If you have any further questions, please do not hesitate to call XXXX to speak to a representative. Sincerely, XXXX XXXX This communication is with a debt collector.

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 2022-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am denied a Home Equity Loan by XXXX XXXX XXXX citing the following reason : - I already have a home equity loan with Mr Cooper ( Nationstar mortgage ) - Denied on XX/XX/24 - applied since XX/XX/XXXX They cite that they couldn't establish XXXX XXXX on the property for home equity loan because I already have a home equity loan with Mr cooper. 

This is not true because I had a cash out refinance from XXXX XXXX last year ( more than a year ) and it was sold to Mr Cooper. Loan closing document clearly states it was a Convential XXXX years fixed refinance. 

I don't have a XXXX mortgage and restricting to leverage my equity value to get a loan for my financial benefit is unfair to me. XXXX XXXX XXXX has alreasy pulled my credit report and they don't show that I have XXXX mortgage. 

Denying me this credit has enormous consequences for me financially plus it's not fair and there seem to be erroneous process on either Mr Cooper or XXXX or other company 's site. I was told this is the XXXX occurrence they have known of this kind so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2022 I received an email stating " Dear XXXX, We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance- plus all interest earned- will be transferred to your linked external checking account. 

Questions? Give us a call at XXXX. We're available Monday-Friday XXXX XXXX XXXX XXXX " I've tried to contact multiple times to resolve the issue but get transferred or hung up on. 
I can not access my funds on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: OK

Complaint narrative:
Back in XXXX I filed a dispute with all three credit bureaus and the company XXXX ( formerly known as XXXX Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account manager at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the lien was released and the vehicle has been paid off. When calling into TransUnion today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXXTransUnion rep ) stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....

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 2022-07-24 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: OK

Complaint narrative:
Back in XXXX I filed a dispute with all three credit bureaus and the company XXXX ( formerly known as XXXX Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account manager at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the lien was released and the vehicle has been paid off. When calling into XXXX today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXX XXXX XXXX stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....

Company response to consumer: Closed with explanation