vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Around XX/XX/2023 someone open an account under my name. They close my previous account and open a new one. I went to the bank because I received a debit. The debit card cant activate because it was not registered to the system. 

XX/XX/XXXX I received a letter from back of America that I open a Credit card and its not approved. My credit decrease XXXX points.

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 2023-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
American Pacific Mortgage Company frauded me and refuse to rectify the situation despite acknowledging they are at fault. As a first time homebuyer using an FHA-government program through this lender, my partner and I signed multiple closing documents for our home on XX/XX/2023 where the interest rate for our second mortgage ( covering down payment ) was 0.00 %, and were shown multiple instructional/cover sheet documents explaining the 0.00 % rate we were signing for. Shortly after we closed, American Pacific Mortgage Company and their subsidiary XXXX XXXX XXXX sold my mortgages to XXXX XXXX, in a deal that said our second mortgage has a 6.25 % interest rate. This will result in over {$11000.00} in charges and dinged credit score to us as we wait for this company to rectify their error with XXXX XXXX. Despite multiple pieces of evidence to prove American Pacific Mortgage Company/XXXX XXXX XXXX is in the wrong, they refuse to rectify the issue or even answer my calls or my government-assigned mortgage counselor 's calls. From their lack of communication, I can only assume American Pacific Mortgage Company/XXXX XXXX XXXX is attempting to profit off me and the government using predatory and fraudulent, illegal lending practices. I hope they do the right thing and fix this issue asap, considering my only home and well-being depend on 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 monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.

Complaint narrative:
Agent ID XXXX XXXX, failed to provide basic information after my identity was confirmed. All I wanted to know is what product at XXXX  caused my credit score to go down. when the agent failed to provide the information, i asked to be transferred to a manager. the again failed to get me to a manager and i could hear the background sounds in the call center. I was able to hear other clients information which is illegal as there was no consent to have their information shared with me a 3rd party listener. I was able to hear multiple address with client names and sin numbers while on " hold '' which is very dangerous as now the account information of those people are now compromised. I worry about my own information now being compromised as this should never happen. After my 2nd call back, agent XXXX XXXX failed to transfer to a manager and the agent before him said i would have to schedule an appoint for a manager. It seems to me like this call center has representatives that are not trained properly and are highly unprofessional. I fear that scammers will be easily able to get information with the lack or customer service skills. not to mention this is one of 2 credit bureaus which needs to taken more seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I contacted XXXX in XXXX to change the billing for my new apartment. They said that I had to come in person, and provide identification. I live a long ways away, and have been renting here for about 7 years ; and have a FL drivers license. I asked if they had gotten a report on me. They said XXXX said that I needed to be checked further. I don't borrow money, and I consider this to be discrimination against people who don't borrow money or have a credit rating. I then tried to get my free report from the consumer site. I was redirected to the XXXX site. I wound up spending a couple of hours trying to upload documents to them to get them to send me my report. I think that it was deliberate. First try no response got directed back to the main site. Put my info in again and tried to upload an image of my drivers license and recent electric power bill. It then said that they were too large in file size which is ridiculous now days. I then rescanned the documents to a smaller size and one into the pdf format they required. It then said that my XXXX  file was in color and rejected it. I then had to start over and reinput my data again. I then rescanned a document as XXXX XXXX XXXX XXXX ( not color ). It didn't like that. That file was not color like it said it was. This seems to be a deliberate policy to make things difficult or impossible for people who complain/want their report. I am computer savvy, and I imagine that many people would have problems getting this far. I gave up and was going to mail it in, but I was able to call a number ; and I am supposed to get the info that I need. They caused the XXXX XXXX XXXX to not register the utilities in my name. I would have to drive 9 hours and spend lots of gas money just to show an XXXX employee a document which I shouldn't have had to. I have a XXXX  drivers license. Are you telling me that XXXX does not have copies of those public records? I am also on the voter roles. They should have that also. This is just plain discrimination against people who pay for things in cash. And they have made it impossible for persons to complain on-line ot them. Their web site is broken ; it rejected my non-color XXXX XXXX  scan.

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 2023-09-19 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
When I went to check my consumer report I noticed There were accounts that I had no knowledge of the accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never done any business with these companies.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
When I went to check my consumer report I noticed There were accounts that I had no knowledge of the accounts were MIDLAND CREDIT MANAGEMEN and XXXX XXXX XXXX. I have never done any business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
At the beginning of I XXXX, I found out about this credit reporting agency chex systems. And since Ive previously been a victim of identity theft, I decided to see what they were reporting. Upon request of my report I noticed some accounts have been open in my name that I didnt recognize/authorize and some inquiries for my report that I didnt recognize/authorize. So I filled a police report ( temporary # XXXX ) and I called ChexSystem and informed them that I was a victim of identity theft. Informed them of just a few of their many violations of : *15 U.S. Code 1681s2 ( a ) *15 U.S. Code 1681b ( 2 ) *15 U.S. Code 6801 *18 U.S. Code 1028A Because you are PROHIBITED BY LAW to furnish inaccurate information.

*15 U.S. Code 1681s2 ( a ) So I demanded they Cease and Desist the reporting of incorrect/ inaccurate information immediately.

And I demanded to see verifiable proof ( ie : an original consumer contract with my signature on it ) and/or a Certification from the creditor that certified the accuracy and completeness of the information/alleged accounts.

*15 USC 1681e- ( b ) I explained that I did not give them any expressed permission or permissible purpose to report any of the information of these alleged accounts or of any account for that matter.

*15 U.S. Code 1681b ( 2 ) I informed them of the obligation that financial institutions have to provide me with my disclosures of personal information before disclosing any of my private information. And explained that I have not received any disclosure yet so they are reporting information that I gave no permission to disclose.

*15 U.S. Code 6802 And because they cant provide the validation of the certification of the permissible purpose document that you should have certified before selling my report. They committed Aggravated identity theft of my information.

*18 U.S. Code 1028 They have yet to cease and desists of the reporting of these inaccurate alleged accounts or any of the unauthorized inquiries.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2023, I made a payment for the full balance owed. However, Venmo Credit Card sent me a message stating that there was an error and the payment did not go through. When I tried again, the payment went through for the full balance. However, Venmo Credit Card took TWO payments, even though it sent me a message that the first payment did not go through. Venmo refused to cancel the duplicate transaction and said I had to wait 7 to 10 days for a refund check, which I did not receive. I had to call again today, and now they are saying I have to wait another 7 to 15 days. Venmo refuses to refund my money promptly or pay interest for holding my money without authorization. Meanwhile, if that were a balance I owed, I would have to pay interest to Venmo. I never authorized the duplicate payment. Because of Venmo 's error, it should have cancelled any duplicate payment that it charged, or otherwise if it had to send a check, then it should be overnighted to my address. I should not have to wait a month for a refund of money that I never authorized Venmo to take. Additionally, Venmo should pay me 29 % interest for the time it held my money without my authorization, as that is the percentage Venmo charges its customers.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXXXXXX for discrepancies in the way they have reported my account information to credit bureaus. I have encountered issues with two accounts, and despite my best efforts to rectify the situation with XXXX XXXX XXXXXXXX directly, the matter remains unresolved. 

Account Details : Account 1 : XXXX XXXX XXXXXXXX Charged Off Account Account Balance : {$810.00} XXXX XXXX : {$500.00} Additional Fees : {$310.00} ( Junk Fees ) Discrepancy : I contest the validity of the imposed junk fees, and I believe they have been unfairly assessed. 
Account 2 : XXXX XXXX XXXXXXXX Paid in Full, Closed Account Account Balance : {$0.00} XXXX XXXX : {$6500.00} Payment History : 30-Day Late Payment reported in XX/XX/2021 Discrepancy : I have never missed a payment, and I have substantial evidence to verify that I paid the account in full. 
Consumer Banking Laws and Codes ( New Jersey ) : In accordance with New Jersey consumer banking laws and codes, including the recent legislation signed by Governor XXXX XXXX : New Jersey Statutes Annotated, Title 17 - Corporations and Institutions for Finance and Insurance New Jersey Administrative Code, Title 3 - Banking and Insurance XXXX XXXX XXXX XXXX to Safeguard New Jersey Consumers Against Unfair Credit Card XXXX ( XXXX ), which prohibits sellers from imposing certain surcharges for credit card transactions Issue : Despite my attempts to resolve this matter directly with XXXX XXXX XXXX , they have not corrected the inaccurate reporting. As per the Fair Credit Reporting Act ( FCRA ) and the New Jersey consumer banking laws, I have the right to accurate and up-to-date information on my credit report. XXXX XXXX XXXX XXXX failure to update my payment history is a direct violation of my rights under these regulations. 

CC : New Jersey Attorney General 's Office

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 2023-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: RFNA, LP
State: LA

Complaint narrative:
Company states I still owe on a 2yr loan that I have been paying on for 5yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hello ; I trust everything is going smoothly. It has now been more than 30 days, and the creditor has neither updated the information nor provided any evidence or documentation concerning the reported late payment. They have yet to furnish this essential information, and it is imperative that they expeditiously remove the alleged late payments from my credit report. According to Federal Law, they were allotted a 30-day period to carry out the investigation, and their failure to do so necessitates the immediate deletion of the item from my credit report. This action should be taken without any further delay.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hello ; I trust everything is going smoothly. It has now been more than 30 days, and the creditor has neither updated the information nor provided any evidence or documentation concerning the reported late payment. They have yet to furnish this essential information, and it is imperative that they expeditiously remove the alleged late payments from my credit report. According to Federal Law, they were allotted a 30-day period to carry out the investigation, and their failure to do so necessitates the immediate deletion of the item from my credit report. This action should be taken without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
I received a collections notice on a debt that I was never billed for. My complaint is with the medical provider of the debt XXXX XXXX XXXX XXXX XXXX. They never billed me for services I received in XX/XX/2023. I have no record of a bill. I paid a copay of {$70.00} cash ( upon arrival I believe ) which should be the total amount owed. I thought this was resolved until I received notice that my unknown debt was referred to a collection agency. I found out from the collection agency that this provider tends to bill once and refer to a collection agency. I never received a bill. I also inquired about my payment and was told there was no record of patient payment and since I believe I paid cash I now have no record. I called the medical provider directly and asked for a call back 5-6 days ago and have not heard back. I am filing a complaint for the way they are doing business. When talking to collections I was told this is the way the provider does business. They send one bill and then send you to collections. This does not seem like a good way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a personal checking account with a small overdraft protection credit line with XXXX XXXX. I've had this account for close to 30 years. It was set up to autopay every month on time and has never been a problem until recently. I recently learned that XXXX XXXX  had erroneously reported to the credit bureaus that there was a late payment in XX/XX/2023 that was more than 30 days late. First, that shouldn't be possible since it autopays each month. Second, that is absolutely false, because I checked the account statement and confirmed that the account WAS, in fact paid every month on time. During, before, and after the time in question, the following payments were made on time and in amounts equal to or exceeding the minimum payment due : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( to pay the total balance in full ). 

Clearly, there was some error on XXXX XXXX XXXX end. Again, the account was set to automatically make the minimum payment on time, and that had not previously been a problem. Moreover, XXXX XXXX  own records and statements show that the account actually WAS paid on time, so their reports to the credit bureaus were wrong. Please see the attached activity report of my XXXX XXXX  account that shows monthly payments have been consistently made and none were missed. 
This has caused me financial hardship. 

XXXX XXXX  should make sure that ALL of my credit reports are repaired and that the account is reported as current, good standing, and paid in time with all bureaus ( Experian, XXXX, XXXX, etc. ). XXXX XXXX  should make sure that the account does not have any late payment or other potentially negative information. XXXX XXXX  should also credit all fees, late charges, interest, transfer charges, etc. and provide me with some sort of compensation for my wasted time and for recent credit applications being rejected ( their error caused my credit score to drop from over XXXX to XXXX ). I had applied for a credit line increase and a refinance, which were rejected.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi Experian ; XXXX ; A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Notably, your recent investigation does not specify the data furnisher 's name ; it simply indicates that the information is certified as accurate. I am curious about the source and method of certification. 

I kindly request that you validate this information and provide copies of any associated documentation with my signature. I formally request the immediate deletion of this information from the credit file associated with my social security number. Please be aware that I am closely monitoring my credit file, and you have precisely 30 days, in accordance with the Fair Credit Reporting Act 623 ( a ) ( 3 ), to complete this investigation. I will maintain meticulous records of all actions concerning my file.

Failure to respond satisfactorily within 30 days of receiving this certified letter will compel me to pursue a small claims action against your agency. In such an event, I will seek {$5000.00} in damages, which may include but are not limited to : Defamation Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Your prompt and thorough attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation