vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Best Buy advertised a 0 % financing period and Citi did not honor it. I was charged 30 % interest. I just paid off the account, because I have other financing. This is predatory behavior. I would have never made a charge on a 30 % APR.

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 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
MY LOAN WAS ORGINALLY WITH XXXX WHEN I FIRST PURCHASED IT BACK IN XXXX  IT WAS EVENTUALLY SOLD TO OCWEN AND I HAVE HAD NOTHING BUT PROBLEMS SINCE WITH MY MORTGAGE. AS SOON AS OCWEN GOT MY MORTGAGE THEY CLAIMED I OWED THEM SEVERAL XXXX  OF DOLLARS IN WHICH IT WAS IMPOSSIBLE BECAUSE I HAVE ALWAYS PAID MORE THAN I WAS REQUIRED TO AND I PAID ON TIME. HERE WE ARE AT ALMOST TWENTY YEARS LATER OCWEN/PHH IS STILL MAKING FALSE CLAIMS IVE HAD TO HIRE SEVERAL ATTORNEYS NONE HAS HELPED I WATCHED XXXX XXXX TAKE DEPOSITION ON A REP FOR PHH AND THE REP COULD NOT EXPLAIN WHAT HAPPENED TO THE MONIES I SENT THEM BECAUSE IT WASNT APPLIED AS I INSTRUCTED PHH TO AS IF IT JUST DISAPPEARED INTO THIN AIR. OCWEN/PHH ARE PREDATORS AND HAVE TAKEN ADVANTAGE OF ME THIS IM SURE OF I HAVE NEVER MISS THREE PAYMENTS TO BE IN DEFAULT. OCWEN/PHH HAS FORCED ME INTO ABOUT FOUR DIFFERENT MODIFICATIONS THEY HAVE ALSO ADDED XXXX XXXX DOLLARS TO A MODIFICATION I WAS NEVER MADE AWARE OF PLEASE HELP ME. I HAVE TRIED EVERY AVENUE TO GET THIS ISSUE RESOLVED. I KNOW I HAVE PAID FOR THIS HOUSE TWO TIMES OVER, I WOULD BE SATISFIED IT THEY JUST SEND ME MY DEEDS TO THIS HOME BECAUSE THEY DEFINITELY HAVE PREYED UPON ME FOR YEARS. I APPRECIATE YOUR TIME AND EFFORTS THANKS IN ADVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax keeps validating a medical collection from XXXX XXXX XXXX in the amount of {$110.00} on my report. Equifax has " verified '' it after each dispute, and i have disputed numerous times. But they have yet to show me how it is my collection, how it belongs to me, etc. I have disputed this account three times. This is not my account, i dont know who it belongs to. The creditor has never reached out to me. It is medical and under {$500.00} and should be removed anyways. They are incorrectly, and knowingly improperly reporting a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX UNKNOWN XXXX {$140.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX XXXX  XXXX XXXX {$2300.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please Block and remove it.

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a Bank of America credit card which I've had for over 20 years. I always pay my balance in full. In XX/XX/XXXX I saw a promo for 0 % APR balance transfer until XX/XX/XXXX. I transferred {$8000.00} and paid the 4 % fee of {$320.00}. I paid my balance in full for purchases in XXXX, XXXX and XXXX and just realized I was being charged interest. When I spoke with several people at BofA they said I had to pay the full balance, including the {$8000.00}, each month to avoid interest. I can not fathom how that is the case. I would never have transferred the money knowing they would charge interest on it, despite their big bold type claims of 0 % APR in until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: MS

Complaint narrative:
Claim Date:XX/XX/2023 Claim Amount : {$1000.00} My account was hacked via an account to account bank transfer that I did not authorize. I notified Ace Flare immediately within minutes of receiving a text message alerting me to the unauthorized transaction. Ace Flare closed my dispute stating that there was no error found. They stated that their records show that the individual who initiated the transaction verified his/her ID and was able to successfully answer security questions that should only be known by the cardholder. That is the exact definition of identity fraud/theft. A non-authorized person fraudulently gained access to my account. I have offered to sign an affidavit or other notarized document. Ace flare customer service keeps telling me that I can not speak directly to the fraud department and that I can only email 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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: OH

Complaint narrative:
For 3 months, randomly spread throughout 2 years now, Upstart has said I've paid late but it won't be reported to credit bureaus. And when I checked XXXX XXXX my credit score has taken a HUGE HIT due to this. I've made payments on time. Do not go through these people they will try to over charge you anyway they can!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Booked a flight for XXXX for my wife and myself through affirm for XXXX and on their website through the process it stated that the flight were full. So at that point didnt notice I was creating loans on the affirm website. With the investigation through affirm they realized that I didnt owe anything thing so my account was reinstated.So I need my those inquiries that is attached to affirm to show good standing or take them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX UNKNOWN XXXX {$140.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX XXXX  XXXX XXXX {$2300.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX UNKNOWN XXXX {$140.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: MI

Complaint narrative:
. I submitted my dispute/complaint to XXXX XXXX on XXXX  XX/XX/2023. Stating that 15 U.S. Code 1681b - Permissible purposes of consumer reports. Is the cause of the dispute. For the amount of {$2500.00}. Furthermore, The amount was paid for when the account was XXXX  : XXXX with signature. After their review ( XXXX  XXXX ) their reply and response was to PERMANENTLY leave it on the credit report. Please see link below. 
15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian keeps validating a medical collection from XXXX XXXX XXXX in the amount of {$250.00} on my report. Experian has " validated '' it after each dispute, and i have disputed three times. But they have yet to show me how it is my collection, how it belongs to me, etc. I have disputed this account three times. This is not my account, i dont know who it belongs to. The creditor has never reached out to me. It is medical and under {$500.00} and just showed up in XX/XX/2022. They are incorrectly, and knowingly improperly reporting a collection on my 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 non-monetary relief
Consumer complaint received 2023-02-21 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: IL

Complaint narrative:
A collection item was added to my EQUIFAX REPORT. This account is not on XXXX or XXXX. I believe this is fraud. Also, if the other credit bureaus aren't reporting it why is Equifax? This is fraud, inaccurate, incomplete and a violation. This is against the law and violates my rights. I provided another credit report from XXXX pulled the same day the account XXXX XXXX is not on XXXX but is on Equifax, WHY? This is not my account! 
The account appears as : XXXX XXXX  {$80.00} it shows as an open account from original creditor XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I received a copy of my credit report and, to my surprise, XXXX, Equifax and XXXX are reporting a lot of incorrect information. They have several incorrect personal identifiers listed in my credit file and I am requesting that they remove any information that is not completely accurate. I am seriously concerned that the information that they are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. I've been getting alerts from XXXX XXXX  that my information is on the XXXX XXXX. Strange addresses popping up under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: WI

Complaint narrative:
XXXX = XXXX, funds, money ( s ), currency. 
Not Enough Cash = To have not enough cash to cover the cost of a transaction using the Cash Card.

Canceled = A posted, acknowledged and or accepted transaction that was canceled by the merchant or consumer using the method necessary to cancel a transaction of sale.

I did not have enough cash in my account to complete the transaction ( s ). Despite what the merchant displayed the price to be and charged another to me. Did the account have enough cash to cover the purchase the merchant displayed to the company Cashapp?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
XX/XX/2022 I was admitted into the hospital for XXXX. When discharged I made my mortgage payment it was 1 or 2 days over the 30 day mark. I contacted Carrington Mortgage asking for a courtesy removal of the late payment due to medical emergency. They declined to do so. I am attaching all of the correspondence involved as well as proof of the hospital stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  He is XXXX XXXX XXXX  XXXX Request for SCRA ( Service Member Civil Relief Act ) XX/XX/XXXX call to verify request- spoke to XXXX XX/XX/XXXX Emailed received requesting documents to be upload. 
XX/XX/XXXX Email received to call office and i called again to check status, told the request was escalated and under review ( XXXX ) XX/XX/XXXX documents uploaded. Was told I would need to submit a new claim XXXX call again to verify- under review, I was aked why I had submitted so many claims???? 
XX/XX/XXXX - called again, told case was under review and case manager would review. I told customer service I would be submitted a complaint to the CFPB stating XXXX  is not showing the verification date. 
Case ID XXXX Case ID XXXX Case ID XXXX Case ID XXXX Case ID XXXX Each time a document request would come to me via email I would uploaded the document and a new case would be created. I asked to combine all cases as they were pertaining to the same SCRA benefit request. 

Continued calls to the Allegiant Bank of America Service Member customer service.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: DE

Complaint narrative:
Discover Financial. 2020 its said paid charge off. I requested over the last 3 years to have the charge off removed and Discover financial wasnt reported accurate payment information to the Credit Bureaus everything about my file with Discover is inaccurate. Please have Discover send you in my file every signature every payment every phone Conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: MO

Complaint narrative:
The FCRA has laws that I have been made aware are not being followed by the Bureaus. I am now forced to submit a request through the CFPB for help. 
The following accounts are reported inaccurately, incompletely, and some are not even mine which is fraud and are violations of my rights. This is against the law they have in place and I want these fixed immediately. ( FCRA 15 USC 1681 ) My name is incorrect : ( Names ) XXXX XXXX XXXX XXXX XXXX ( Addresses ) I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX this is fraud- and are violations. 

( Accounts ) Not my account and it is reporting different with TRANSUNION, XXXX, AND XXXX. VIOLATIONS! 
XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, ( Accounts ) Reporting complete inaccurate information for all three bureaus, violations! 
XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is about my third time submitting a dispute with the Credit Bureau over the past year to clean my credit getting things that are incorrect or invalid removed. I have addresses and inquiries on my report that I've never even heard of and yet they are not taking the steps to look into or to remove. 



2 Duplicate name entries I am asking for 1 to be removed XXXXXXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX I have also asked for Addresses to be removed as I have no knowledge of them. Some are duplicated with incorrect apartment numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I ALSO HAVE HARD INQUIRIES THAT I DID NOT AUTHORIZE XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -SHOULD BE REMOVED AS IT IS EXPIRED. 
Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief