vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 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: PA

Complaint narrative:
I tried to apply for a car and my credit was ran multiple times to lenders that I did not authorize to use. PLEASE REMOVE XXXXXXXX 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

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 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
We have a BJs Wholesale Mastercard that is issued through Comenity Bank. We have carried a balance of around {$30000.00} for between XXXX to XXXX  years. We have struggled to pay it down but have not had any success. On XX/XX/XXXX this year we were contacted via phone by Comenity bank trying to collect an overdue payment. During the call we inquired through the representative we were speaking with about possibly receiving some debt relief. I have had my income reduced significantly by the XXXX XXXX XXXX I work for. Though the representative was unable to accommodate our request for debt relief she did offer to enroll us in a hardship program. The program allowed us to pay off our balance in 60 months without any interest. Our payment would be $ XXXX. We made our first payment over the phone that day and have made 2 additional payments in XXXX and XXXX through automatic withdrawals by Comenity bank from our checking account. Also as a condition of enrollment in the hardship program was that we had to close the BJs Wholesale Mastercard Account. 

On XX/XX/XXXX we received a letter from Comenity Bank dated XX/XX/2022 stating that they were unable to complete our request to enroll in the hardship program. The letter, which is attached, listed 7 reasons ( none of which applied to us ) as a reason we were not able to be enrolled. We were already enrolled as I detailed above and had made the payments we agreed to. Comenity Bank claimed that the reason we were being removed was due to BJs Wholesale club was discontinuing the program. We find it very suspect that now that interest rates charged by banks, have increased significantly, that the program was dropped. We could not get a clear answer if all the people in the program were being dropped or just select individuals like us. There was no offer or attempt to provide us with an alternate approach to pay off the balance. In addition we were told that we had a minimum payment of over {$1000.00} owed and that we would have to pay late charges on. The bank has made considerable money from the interest we have paid to date and now are making record profits it is criminal to force customers enrolled in hardship programs to return to paying the full inflated interest date. We are trying to paydown our balance off and the hardship program provided us a method to do so. Without the program we will have borrow money to pay off the balance. 

We did receive an initial letter confirming our enrollment in the program but I can not find at this time. I'm sure Comenity Bank can provide a copy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
This is a third complaint about XXXX. This mortgage company purchased my commercial loan without my agreement from mycooper back in XX/XX/XXXX Since that time they screwing up my escrows and using insurance as an excuse. Prior complaint that I filled last month was about my current insurance that XXXX could not attached for number of reasons, despite the fact that we submitted proof number of times. They deliberately refused to do it and threatened me to purchase insurance for me. Mind you I have full coverage and my agent said he never seen anything like this. Ever. So finally it's attached after the last complaint. 
Now they demanding proof of coverage for prior period From XX/XX/XXXX through XX/XX/XXXX Mind you that this was around the time they purchased the mortgage. Mind you I have copies of the emails I sent and my agent sent to XXXX with certificate that I am attaching here. 

Here is XXXX of them : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX PM to XXXX, XXXX, XXXX Received. I'll forward to my insurance team to update the account. Please confirm the policy has been paid. Thank you. 

Best regards, XXXX XXXX XXXX | XXXX XXXXXXXX Commercial Servicing | XXXX XXXX | Phone XXXX XXXX | Fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX Mortgage, a subsidiary of Ocwen Financial Corporation The link to the new letter I just received from XXXX can be found here https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I am a victim of identity theft. these accounts were fraudulently obtained

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Couch Lambert LLC
State: TN

Complaint narrative:
COUCH, CONVILLE & BLITT LLC ( Couch and Lambert ) allegedly representing XXXX XXXX  has continuously been harassing and oppressing me by bringing me back and forth to court trying to sue me on an alleged debt. The first time I was brought to court was XX/XX/XXXX XXXXThe Judge ended up dismissing it without prejudice because during the hearing I told the Judge that I sent a debt validation letter and no one ever responded. I also sent a cease and desist. so the Judge dismissed it but he also warned me they can bring me back within a year. Fast forward XX/XX/2022 I was served with a subpoena to appear at court on XX/XX/2022 I went to court and no one was there. I went to the clerk and she stated that the Judge do not have court on that particular day, so she gave me another court date and suggested I mention the incident to the Judge when I come back. I went back to court in XX/XX/2022 I was taken into a conference room to negotiate payment with Im assuming an attorney, I told him that I sent a debt validation letter and never got a response. we then went in front of the Judge. I explain to him what happened and that I had been here before and it was dismissed because of the exact same thing, not responding. The lawyer asked the Judge for more time the Judge granted him more time to send me the debt validation request. a couple of weeks later I was sent false and misleading statements. I sent another certified letter to the law firm and told them the statements were false and misleading along with a cease and desist. fast forward to XX/XX/2022 went back to court, went into a conference room with some one allegedly representing the law firm, she claimed that we could not see the Judge because her witness could not come due to covid and she wanted to reset it.. I told her that I can not keep missing work and that this is affecting my job and my mental health. she insisted that I could not speak to the Judge and she perceded to give me another court date. she told me two different dates and I ended up recording the wrong date. I showed up XX/XX/2022 just to find out it was actually XX/XX/2022 and I had a default judgement against me because I didnt show up. I had to file a motion and pay a fee to get another court date. My court date was set to XX/XX/2022. I showed up and the attorney said that he is not ready for a hearing because his witness could not come. He asked the Judge to reset it to XX/XX/2022. Couch and Lambert has oppressed me trying to collect an alleged debt by dragging me in and out of court, Couch and Lambert is in violation of the The Fair Debt Collection Practice Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Creditor Name XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance {$370.00} Balance {$370.00} Date Opened XX/XX/2022 Date Reported XX/XX/2022 Remarks Account information disputed by consumer, meets FCRA requirements fraud account need to be removed off credit report profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I, the consumer and natural person XXXX XXXX, was denied credit by American Express when I applied for an American Express Green Card. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code 1691c and is pursuant to civil liability under 15 U.S. Code 1692k.12 CFR Part 1002 - Equal Credit Opportunity Act 12 CFR Part 1002.7 - Rules Concerning Extensions of Credit You are subject to criminal liability for violation 15 U.S. Code 1691 as I have proof that I was discriminated against by American Express due to the response I received in the mail. Application Ref. # XXXX American Express is in violation of 15 U.S. Code 1642, 15 U.S. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 

If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for actual damages pursuant to 15 U.S. Code 1681n and 15 U.S. code 1602o.

I've mailed an Adverse action letter to American Express on XX/XX/XXXX via certified mail and it was received on XX/XX/XXXX. I have yet to hear back from American Express in response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I sent XXXX bank generated checks for {$390.00} to BMO Harris Bank to pay towards a loan held by their bank. The address I was given was incorrect and they went to the Transportation Finance Department of BMO Bank. None of the checks were credited towards the loan desired, for which I provided account information and details when ordering the checks from my personal account at XXXXXXXX XXXX but all the checks were cashed and endorsed on the back by BMO Bank Transportation Finance ( phone number XXXX ). BMO credited back {$390.00} for XXXX ( XXXX ) of the checks, but the third has never been returned. When I call BMO they tell me that the checks were rejected and therefore there was no refund due. When I tell the customer service representative of BMO that is incorrect they tell me there is nothing more they can do because it is another department that deals with this type of issue. When I request to speak to the other department they tell me I can not. After multiple phone calls to BMO to get my money back with no more assistance than previously, I reached out to my bank, XXXX XXXX, to assist with and recover the claim. XXXX originally credited my account for the {$390.00} but then deducted it again as they were unable to receive feedback from BMO. I have called many times and even gone to the BMO branch to discuss with a manager, as this has been on-going since XXXX of 2022, so oveXXXX XXXX months and BMO is still not responding. I have spent far too much time trying to get my money back from BMO Bank without even making a small progression towards rectifying the problem and returning my money. 

I have print outs showing the checks and the endorsement by BMO, as well as my claim paperwork I submitted to 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 2022-09-27 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: LEXISNEXIS
State: NV

Complaint narrative:
They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have called many times and submit paperwork that this information on this report is wrong and not mines. No other reports show this information but them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this report against XXXX XXXX XXXX XXXX because they are filing with the credit report inaccurate information. This financial institution has been reporting a delinquency to the credit report despite me giving them my payments on time without any delays. I'm a very punctual person that makes their payments on time always and despite this fact they are claiming that they have conducted an " investigation '' and they are concluding that the delinquency is valid. In addition, they hung up the phone on me multiple times and claimed they will not remove the delinquency to protect their brand. Their brand is not of my concern because they made the error and they need to fix it. If my payment was processed by them on time I'm not supposed to be held responsible for their shortcomings. Therefore, this issue needs to be resolved and the payment that I made on time must be reported correctly. Just because they are XXXX XXXX and they have a high reputation in the automotive industry does not give them the exception to treat consumers like garbage. I make all my payments on time and they can not bring their reputation to avoid responsibility.

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 2022-09-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this report against XXXX XXXX XXXX XXXX because they are filing with the credit report inaccurate information. This financial institution has been reporting a delinquency to the credit report despite me giving them my payments on time without any delays. I'm a very punctual person that makes their payments on time always and despite this fact they are claiming that they have conducted an " investigation '' and they are concluding that the delinquency is valid. In addition, they hung up the phone on me multiple times and claimed they will not remove the delinquency to protect their brand. Their brand is not of my concern because they made the error and they need to fix it. If my payment was processed by them on time I'm not supposed to be held responsible for their shortcomings. Therefore, this issue needs to be resolved and the payment that I made on time must be reported correctly. Just because they are XXXX XXXX and they have a high reputation in the automotive industry does not give them the exception to treat consumers like garbage. I make all my payments on time and they can not bring their reputation to avoid responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CA

Complaint narrative:
I am filing this report against XXXX XXXX XXXX XXXX because they are filing with the credit report inaccurate information. This financial institution has been reporting a delinquency to the credit report despite me giving them my payments on time without any delays. I'm a very punctual person that makes their payments on time always and despite this fact they are claiming that they have conducted an " investigation '' and they are concluding that the delinquency is valid. In addition, they hung up the phone on me multiple times and claimed they will not remove the delinquency to protect their brand. Their brand is not of my concern because they made the error and they need to fix it. If my payment was processed by them on time I'm not supposed to be held responsible for their shortcomings. Therefore, this issue needs to be resolved and the payment that I made on time must be reported correctly. Just because they are XXXX XXXX and they have a high reputation in the automotive industry does not give them the exception to treat consumers like garbage. I make all my payments on time and they can not bring their reputation to avoid responsibility.

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 2022-09-28 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: NV

Complaint narrative:
I just checked my Experian Status and noticed there was a new name associated with my account that may have been linked to previous house we owned in XXXX, NV. 
I am not this person and would ike to have them removed from my Credit Report / History. 

Please advise how I can correct this with the Credit Reporting 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 2022-09-28 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: FL

Complaint narrative:
Inquiries 15 U.S code 1681n XXXX of pulls Collections, Charge offs, auto loans, student loans, credit cards : 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

Medical bill : You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report Action to put underneath each item : 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 The Following Must Be Deleted ASAP!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation