vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Sometime in XXXX someone applied for an American express card with my name and address they did not have the correct date of birth or employer XXXX I received in my mail and american express XXXX XXXX with XXXX limit! they did not check any of the info before initiating I got the card in my mail before they did I have become a victim of identity theft. I don't know how they get my mail. I live in an apartment, I have the only key to the mailbox. They are either getting into the box or someone through postal service is intercepting my mail. 

They also applied to XXXX XXXX and got a card. I only found out because the bank later sent me the letter with the pin and I got it first. They also applied for my husband and another woman probably fake name. My husband got the notice to come pick up the card. Filed a fraud complaint. 

They intercepted my XXXX XXXX card that was sent to me and used it up to XXXX $ this XX/XX/XXXX different locations. In person purchases. 

So far all cards are now cancelled. 

I am just wondering how they can send out a card without checking the accuracy of the information I have filed with local police but they are swamped with similar complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2023-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Eagle Accounts Group, Inc.
State: IN

Complaint narrative:
I was contacted by my employer that my wages were being garnished cause of a debtor Eagle Accounts Group , INC for an unpaid utility bill from XXXX. The collection company started the collection XX/XX/XXXX. They are garnishing my wages for 25 % of my wages for a very old debt. Is there any thing I could do to stop this garnishment?

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 2023-12-16 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: MO

Complaint narrative:
Please investigate the accounts that are listed in this dispute. 

15 U.S.C 1681 section 602 A. State I have a right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 { A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please remove this information from my credit file as these accounts does not belong to me and you are hurting my credit because of this.

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 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is the third time I am submitting a complaint. After this I will be looking into legal action for discrimination. My phone carrier is not supported by Citi bank and they are refusing to let me access my funds unless I change my phone carrier. This illegal discrimination against low income families and customers is unacceptable and I will be seeking compensation and relief for this constant harassment.

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 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I submitted a billing dispute for a charge on my statement that was not authorized. Billing dispute was closed and I was provided only a copy of an online receipt with the last XXXX digits of my card number. No other information was provided that supported the closure of the investigation or denial of my claim. I did not authorize this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing — 
Company: Sunlight Financial LLC
State: MA

Complaint narrative:
I have a solar panel loan with the lender Sunlight Financial aquired by XXXX XXXX for a solar panels on my home. I was mislead by the salesmen and Sunlight Financial to believe I would qualify for the 30 % tax credit for solar energy when I file my taxes. I was told I would qualify for this tax credit and could use it as a voluntary payment towards my loan but it would need to be made by the XXXX loan payment. My issue is sunlight financial released the funds to XXXX XXXX before the project was completely installed. This is causing me to make payments on solar panels that are not functioning. This is also making it impossible for me to claim on my taxes before the XXXX monthly payment because I do not have the permission to operate which is necessary to claim as a tax credit. They released the funds prematurely and now XXXX XXXX has gone out of business as of XXXX XXXX XXXX. I have been getting billed from sunlight financial since XX/XX/2023. It states in my contract that payments will begin after Installation, and my panels were not completely installed until XX/XX/2023. The finance company is refusing to extend my payments to give me the chance to file for the tax credit. I believe they did this on purpose alongside with XXXX XXXX. Both of these companies need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom This May Concern, I XXXX XXXX XXXX have tried two-time XXXX & XXXX to get my personal information correct but Experian refuse to remove an address that's not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have sent in information showing my correctly address where I can be reached and where I have responsibilities at. Experian just keep violating my right to have my personal showing correct ( it is not my home ) to keep identity theft down, please delete this address XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I requested to extend my consumer credit and applied for a {$500.00} and {$1000.00} personal emergency loan and was unlawfully denied extensions of my credit. Speedy Cash has committed Fraud, Discrimination and violating just about every ECOA law TILA law and Title 15 USC laws and regulations and denied me reconsideration to approve my loans unfairly. 
The companys adverse response did not address any of my factors or issues instead gave no lawful reason or lawful facts on why my denial was not reconsidered? I applied for a loan and was denied. 
Regardless of the facts in your adverse action. I have the right to credit. XXXX says denying me access to my own credit is discrimination. I have the right to credit and with holding me access to my securities is SECURITIES FRAUD. You are in violation of XXXX and XXXX XXXX XXXX XXXX since you are denying me my credit application you are deprive me my own rights under the XXXX of the law. XXXX and FTC laws prohibits creditors from denying a loan based on facts that have nothing to do with my credit worthiness. Title 15 USC 1691 Give me the right to infinite credit. Under these Laws TILA 15 USC 1662 ( b ) ,15 USC 1611, 1602, Regulations Z and Regulations B, 12 GFR 1002.4 A creditor cant discriminate and deny your credit. Regulations B protects applicants from discrimination in any aspect of credit. Truth and Lending Act states you cant deny me my own credit to my self you cant deny me credit I all ready have. Title 15 USC 1619 ( 3 ) Right to contract my unlimited credit plan I am extending my unlimited credit. You are depriving me of my rights. 15 USC 1602 explains denying me my own credit is Discrimination. Speedy cash wanted to defend its self saying there was no discrimination using the standard disclaimer for discrimination and the discrimination you violated is not addressed in the standard disclaimer of discrimination Pursuant to USC 1691 No bank can deny extension of your credit that constitutes ultra vires. It is unlawful for any creditor to deny and discriminate against any applicant REWARDLESS OF REASON.Period discrimination occurs when lenders base credit decisions on factors other than the applicant 's creditworthiness then deny a consumer extension of there credit.Furthermore under the grounds of the standard definition of discrimination you stated I exercised my good faith under XXXX consumer protection law pertaining to credit. The XXXX is a federal law that prevents financial institutions from discriminating against credit applications based on factors that arent relevant to a borrowers ability to repay the loan. The XXXX ensures that all borrowers have fair and equal access to credit. Cant make any more clear. I request my loan applications be processed and submitted and approved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX knowingly hid dispute results from consumers

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 2023-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
I requested a payoff quote through the website on XXXX. It said I would receive it via email in XXXX hours. I did not get it so I requested again XXXX. Nothing. I tried calling the XXXX number they have listed and it was answered by an automated system trying to sell me a home monitor. No way to reach Specialized Loan Servicing. I then found another number and requested the payoff quote. Nothing. At this point I made a payment through my bank to them that would have paid off the balance. It was received on XXXX and then rejected on XX/XX/XXXX. Rejected in that it was not applied to my account nor did anyone contact me, but out was not returned. After a lot of searching I found another number and actually talked to a person on XX/XX/XXXX. He said my payment was rejected because I could not pay off the loan that way, the payment had to go to another address by way of cashiers check or wire transfer. He told me my money would be returned and that it was in the last stage. When I never received the money back into my bank account I called again on XX/XX/XXXX. This person seemed very unsure of herself and first told me Iwould receive a check in the mail. When i questioned that she told me no it will be returned the same way it was received. I asked when and she said by XX/XX/XXXX. At that point I asked to speak to a supervisor and she said no one was available. I asked for a call back but as of today that has not happened. I want my money returned so I can pay off the mortgage according to their procedures even though they actually have the payoff.

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 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They are still emailing me after I asked them to reach out to the address they have on file. I have yet to receive requested validation of debt. I replied to the email they sent stating I have not received requested information and to please stop contacting me until I do. I reported to Credit Bureaus but they are still updating my account as accurate even though I was not supplied proof. This is an unfair business practice and a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Please investigate the accounts that are listed in this dispute. 

15 U.S.C 1681 section 602 A. State I have a right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 { A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please remove this information from my credit file as these accounts does not belong to me and you are hurting my credit because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please investigate the accounts that are listed in this dispute. 

15 U.S.C 1681 section 602 A. State I have a right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 { A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please remove this information from my credit file as these accounts does not belong to me and you are hurting my credit because of this.

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 2023-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
My mortgage was transferred to Roundpoint one year ago. Property taxes were due on XXXX. On XX/XX/XXXX, I received a mailed notice that the taxes had not been paid and will become delinquent on XXXX. I immediately contacted Roundpoint via email per instructions from their website and included a copy of the bill. 

I received an automated response that my message had been received, but I have not received any further communication since XX/XX/XXXX ( today is XX/XX/16. ) I have reached out several additional times and have not received anything other than automated responses. 

I am concerned that action will not be taken before the taxes become delinquent in less than XXXX weeks, or that I will not have sufficient time to take any further action I need to take ( if any ) once they respond.

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 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer 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 Phone Number ( XXXX ) XXXX NOT MY EMPLOYER TOTAL STAFFING CROWN SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Inquires need to be removed and this 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 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.

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 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
your consent is required immediately We previously attempted to contact you regarding required verification. Discover Financial Services requires your consent to obtain income information from the Internal Revenue Service ( IRS ) to verify information on your account. 

If consent is not received promptly, Discover will close the account and report it as such to the credit bureaus. To discuss next steps, please contact Discover directly at XXXX, or call the phone number on the back of your card. 

Important : If you have already provided the consent requested and have not received any follow-up communication directly from Discover, there is no need for you to contact us. 

We appreciate your prompt attention and cooperation. 

Thank you, Discover Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer 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 Phone Number ( XXXX ) XXXX NOT MY EMPLOYER TOTAL STAFFING CROWN SERVICES CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Inquires need to be removed and this 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with explanation