vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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: TX

Complaint narrative:
I HAVE SENT ALL 3 PROOF AND ATTACHED DOCUMENTING SHOWING MY CONSUMER REPORT 'S SHOWING INACCURATE REPORTING FROM XXXX XXXX AND XXXX XXXX REPORTING INACCURATE INFORMATION ON ALL 3 OF MY CREDIT REPORT 'S. XXXX HAS BEEN THE ONLY CREDIT REPORTING AGENCY ACTUALLY REMOVING OFF MY CREDIT REPORT! EQUIFAX I AM NOT ASKING YOU TO VERIFY, I AM TELLING YOU TO REMOVE OFF MY CREDIT REPORT! XXXX, YOU ARE ALWAYS HAVING ISSUES WHERE I AM NOT ABLE TO FILE ANY DISPUTES AND UPDATE DOCUMENTS OR YOU START A DISPUTE AND NEVER SHOW ME THE OUTCOME.ONCE AGAIN FOLLOW THE LAWS THAT CFPB AND FCRA HAVE PUT IN PLACE FOR YOU TO FOLLOW. YOU ARE UNDER A MOU AGREEMENT : Credit reporting agency ( also known as credit bureau ) - Major consumer and commercial credit reporting agencies that have signed agreements Memoranda of Understanding ( MOUs ) with Government agencies to receive and integrate credit information ( data ) from voluntary subscribers ( Federal agencies and private sector entities ) into their respective database. In turn, this information is sold, oftentimes by smaller credit reporting agencies, to purchasers of credit data ( in the form of credit reports and other products ). The credit report, etc., is used to determine creditworthiness, conduct credit scoring, assist with collection efforts, or for other permissible purposes as defined by the Fair Credit Reporting Act. 
YOU ARE REQUIRED TO FOLLOW THE FEDERAL CREDIT BUREAU LAWS AND YOU ARE NOT! 
ONCE AGAIN, THESE COMPAINES ARE REPORTING INACCURATE INFORMATION ON ALL 3 CREDIT REPORTING FILE PER FCRA ; The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. 
YOU ARE NOT FOLLOWING ANY LAWS, ONCE AGAIN I AM NOT ASKING YOU TO VERIFY ANY INFORMATION. THE INFORMATION HAS ALREADY BEEN VERIFY AND REPORTING INACCURATE, SO DELETE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have a Capital One Credit card that was charged off in XX/XX/XXXX. I started a payment plan with Capital One in XX/XX/XXXX to pay off the charge off in 4 monthly installments. The last monthly installment will be in XX/XX/XXXX. My recent XXXX credit report is showing a late payment after my third installment payment. It changed from 120 days overdue to bad debt / collection as marked on my XXXX credit report. Since this account was charged off in XXXX, the resumption of payments in XXXX should not be reflected as late payments. Please remove this recent late payment information from my XXXX credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was contacted by a third party who asked me to call another number or legal action may be taken against me. They said they are a debt collection agency of XXXX XXXX XXXX. I explained that this debt is not mine and based on their information it it past the statute of limitations for the state of Arizona. They said Bank of America had provisions in the contract that extends it to 10 years. I believe this is False information. I have not received any paperwork in the mail verifying the debt. Per the attached paperwork the account was closed in XX/XX/XXXX and they claim my last payment was in XXXX. Either way it is well past the statute of limitations.

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 2022-08-03 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 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 explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
Our previous mtg company sold the acct. to ServiceMac ( XXXX, GA ). Service Mac with no notification decided to put an escrow acct on the mtg. In 44 years, I have NEVER had an escrow acct. Insurance and taxes are paid in full one time annually. I spoke to them in XXXX and was told to file an escrow waiver application which I did in XXXX by US Mail, on line and by e-mail. I was told to call back after XX/XX/XXXX. Then I was told to call back in XXXX, but since it was expedited I would hear by XX/XX/XXXX. Meanwhile I have been getting letters in duplicate saying that I need to pay extra each month due to what they believe will be a " shortage '' of funds for insurance/tax payments. ( 0 monies are owed ). 
This is a case of overcollecting with a misappropriation of funds on their part. 
I have spent hours trying to resolve this error for something I do not need. Their response is to say it is " expedited '' and with their " advocacy '' group and nothing happens. 
I can not pay the correct amount on line as the wrong payment amount is hardwired in the system and does not allow me to change it. I already have paid this month 's mtg with the additional funds because the system won't allow me to do otherwise.

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 2022-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I was put under duress during our conversation. On multiple occasions during the 1 hour and 44 minute conversation I was crying. I was told that my credit would suffer, my credit worthiness wasn't worth this, that my wages would be garnished, I had had multiple letters sent to me ( not true ) I had money from other accounts I can pay the debit with, I need to spend my money wisely and pay the debt I owed, they believe I have money to pay the debit .... etc. They were looking at my credit report, my past jobs, any information they could use to psychologically make me feel like a piece of XXXX for not paying the debit card. I offered them what I had because I was in fear of wage garnishment and lawyer fees. They wanted more and made me decide right then if I was accepting the offer. I asked repeatedly for time to think and the transcripts of the conversation and was ignored. I called the company today to request transcripts of the conversation and was told I would have to sue them to get transcripts and when complaints are filed they use the notes to respond. The notes are skewed in favor of the company and I want the transcripts so that it can be understood what happened and why I believe I was bullied, XXXX XXXX, harassed and tricked or scammed into accepting " a deal '' while under duress. Any company who makes someone make a decision under duress, in fear, and without being able to think about it first is using psychological warfare and it is criminal to use these tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2022 I requested that XXXX remove three items on my credit report. 

XXXX XXXX XXXX Midland Funding XXXX I stated to XXXX that these items are beyond the Statute of Limitations for the State of California. They in turn stated that all three items are accurate which they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/2022 I requested that XXXX remove three items on my credit report. 

XXXX XXXX XXXX XXXX XXXX LVNV I stated to XXXX that these items are beyond the Statute of Limitations for the State of California. They in turn stated that all three items are accurate which they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UPGRADE, INC.
State: IN

Complaint narrative:
On XX/XX/22 I applied for a personal line of credit through Upgrade for XXXX. I was discriminated against by Upgrade as they sent me an adverse letter. I have included a copy of that letter in this complaint. The Equal Opportunity Credit Act 15 USC 1691 states that it is unlawful to deny me credit when I came in good faith and exercised my right by completing the application. 15 USC 1602 ( f ) states The term credit is my right and that I can not be denied a right. There are also violations that were committed which I have attached in the letter that I am submitting with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/22 I didn't receive my Direct deposit from the DOL. I contacted cashapp support and they said its not on their end which is impossible. I later visited social media to see if anyone else was experiencing this issue. Several people also didn't receive their direct deposit on XX/XX/22. Once the issue was raised on XXXX and XXXX Cashapp advised that we contact the issuer of the direct deposit to resend the direct deposit. I called the DOL XX/XX/22 and they saw no issues on their end and said that they can't resend it because it was successfully sent already. I was suppose to get XXXX deposited on Monday XX/XX/22 it's already 2 days now and if it failed like Cashapp claims the DOL would have clearly been able to see that in their system and would reissue it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/2022, I purchased a product with a visa credit card from the bank Banco Popular de Puerto Rico ( " BPPR '' ). I was offered a promotion that said that I could pay the purchased product in a term of 1 year without interests. I called BPPR prior to making the purchase to confirm that this offer was valid ; they confirmed. I purchased the product for {$3500.00} with the BPPR visa. 

On XXXX I made several payments totaling {$3300.00} to my credit card expecting them to be allocated to my general balance that was not subject to the offer. BPPR allocated the {$3300.00} to the {$3500.00} purchase that was made with the offer. Therefore, the remaining balance on my credit card began generating interests. 

Note that since I have this credit card with BPPR I have a firm and constant pattern of always paying my monthly balances full. It is important to me that my credit card does not generate interests. 

Since XXXX, I have filed 4 claims with BPPR and have not received adequate response. The call center personnel verbally informed me that the 4 claims were adjudicated in my favor and that the {$3300.00} were allocated to the offer. However, my statement account does not reflect this. The XXXX Statement Account provides that only {$800.00} from my balance are subject to the offer. The remaining balance is generating interest. I am currently filing a 5th claim with BPPR. 

This is unfair, burdensome, extremely time consuming and detrimental to my finances. BPPR has an obligation by law to allocate the payments to the highest interest generating balance and not only did it violate that responsibility, it has not acted to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: PA

Complaint narrative:
I did filed a complaint with CFPB last week against Equifax and the result was that Equifax did agreed to immediately deleted and completely removed all the unauthorized fraudulent inquiries that I disputed. As always Equifax doing saying Were sorry and we deleted everything fraudulent. As of today all items still on my Equifax credit report. As usual Equifax playing games and it becomes frustrated. 

The following unauthorized fraudulent inquiries must be deleted immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: FL

Complaint narrative:
Dated on XX/XX/2022 CFPB Complaint XXXX Experian Information Solutions Inc stated we contacted the data furnisher ( s ) for the account you have disputed and asked them to verify the accuracy of the information with which you disagree. They had responded and verified that the disputed account was accurate as reported. 
However, I, XXXX XXXX, Consumer, am aware that Experian Information Solutions Inc ( Experian ) is in noncompliance of 15 U.S. Code 1681e ( b ) United States Code.

Pursuant to 15 U.S. Code 1681e ( b ) I, XXXX XXXX, Consumer, am demanding ( Experian ) to prove with documentary evidence that ( Experian ) has followed the reasonable procedures to assure maximum possible accuracy according to Federal Law 15 U.S. Code 1681e ( b ). Respectfully, XXXX XXXX ALL RIGHTS RESERVED UCC 1-308

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 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: WA

Complaint narrative:
Hi my name is XXXX XXXX. I am a refugee from XXXX. I have lived here in XXXX Washington for 7 years and I speak little English. 
I have not received my tax refund, stimulant checks and child tax credits for 2020. US back was my former bank, then I closed my account because USBank kept charging me fees that I didn't know of. One month before I closed my account with US bank. I went to US bank branch to get a direct deposit form for my refund and the receptionist gave me some else 's check that I could use but at the time I though it was my check and due too my small English I didn't read to check if it was really my check but I took a picture of it. I gave the account number and routing number to the tax agent to file my 2020 tax refund. It has been two years and I still haven't got my money. I have reached out to the bank many times but they alway come up with excuses. I have filled claims with the IRS but they keep telling me that bank has to respond to them. One day I asked the bank to tack where the money went, and they actually confirmed that it went to some else. This issue has been driving me crazy because I am XXXX XXXX  who doesn't know English US bank expects me to just give up.

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 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/2022, I mailed Discover Bank XXXX money orders. Because Discover is an online bank, I could not deposit the money orders through the online/mobile app, but rather had to mail them for processing. Prior to mailing the money orders certified, I called Discover XXXX times to ensure that I was properly mailing the money orders to the correct po box . The USPS tracking indicates that the money orders were received on XX/XX/2022 ; however, after an investigation, Discover informed me yesterday that it never received the money orders. Further, Discover 's USPS representative stated that it does not know what happened to the money orders that were mailed via certified mail. The supervisor did not offer any options to make me whole. However, she did apologize for any inconvenience. That same day, I opened an investigation with the USPS XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was denied credit for due to a collections account that was removed from my credit record. 

Any collections that appeared on your report in the last 24 months are considered derogatory regardless of whether they were yours or not - XXXX representative I believe this is illegal. Not sure if am filling the complaint with the right agency though.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
I have spoken with Midland Credit about the debt they purchased and have asked them to stop calling me multiple times as I am not interested in working with them. They have called me on two different phone numbers and also continue to send me mail. They are very aggressive on the phone when I explain that I am not working with them, I have worked with the creditor directly for resolution and have asked multiple times for them to stop contacting me. I receive multiple calls per week from restricted and unrestricted numbers, as well as mail disguised as other types of mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I attempted to settle an account. When speaking with a representative, she said that in order to pay this, she needed updated personal information. She refused to accept payment without a lot personal information that I did not feel comfortable giving. 

Part of the reason she wanted this updated information was because they put this on my credit without notifying me first. She wanted the opportunity to rectify that. The ironic part was that I was trying to settle the debt and she wouldn't allow me to do so.

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