vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hi! 

I have a few questions and complaints about XXXX XXXX XXXX Questions : XXXX. Why is my most personal and sensitive data automatically enrolled to marketing mail without my intentional and clear consent and approval? 

XXXX. Why is it so complicated to permanently opt out and why can't that be done quickly and securely online? Why must a consumer go through so many broken hoops in order to do this and why must a consumer mail a letter to a XXXX XXXX XXXX 

XXXX. Why is the online form not updated in more than XXXX years? Users that have a XXXX number where the first XXXX digit number is greater than XXXX can't use the form to opt out because the form is extremely old. This is the error the consumer can see on the form : " SSN number can't contain XXXX, XXXX or XXXX. First XXXX digits can't be XXXX or greater than XXXX. Please try again. '' The consumer can't try again because they can't change their SSN. I am XXXX of those consumers. 

XXXX. Why there is no support electronic email address where a consumer can report the form bug above? Trying to explain the issue in the form above in a letter that must be sent to a XXXX XXXX XXXX not acceptable in XXXX. 

There is an obvious and contrasting discrimination between how easy it is for the credit companies to give away our most private and sensitive personal data and between how hard is it to stop sharing this data. These companies need to improve data security and privacy policies as well as technology. These sites must encrypt the information and make sure it is sent securely to the server. Currently the social security number and date of birth appears in plain text on the form and is sent unencrypted to the server. 

Thank you!

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 2022-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit Acceptance place the loan in a temporary forbearance due to COVID. Once the forbearance period was over the creditor placed the entire past due amount on my credit report as of XX/XX/2021 which is {$4300.00} I would like to file a complaint against Credit Acceptance and request some type of payment agreement or place past due amount on the back end of my loan

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 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX, I called the Wells Fargo customer service XXXX XXXX ) to request a credit card limit increase, for card ending XXXX. XXXX, the bank rep, asked for three things : Stated income, debts and consent for credit inquiry. I had no problem with giving any of the information, except for the hard credit report inquiry. I requested a " SOFT '' inquiry instead and she stated she could not move forward with the limit increase until I consented to a hard inquiry. I requested to speak to a consumer complaint rep. 

XXXX, in customer relations, couldn't help either. He said the only way to increase my credit limit was by a hard inquiry, which appears, not, to be a true statement. He may not know it. 

I don't want to use the word lightly and accuse Wells Fargo of any type of discrimination, however, it seems inconsistent and some-what skeptical that after having a credit card since XXXX ( and a bank account for over XXXX yrs ) I have had the same limit of {$4600.00} since receiving the card. It's insulting! Especially so, when I have other card limits over $ XXXX, with other financial organizations. 
I know for a fact, of several family members who have received a credit increase without making a request. My husband received a generous automatic increase, that left him suspicious enough to verify its legitimacy with the bank. So, I know increases are made without a hard inquiry, or a consumer 's inquiry. My willingness to give consent for a SOFT inquiry is more than most. and my option to stay with WF bank for some long should come with more rewards than grief.

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 2022-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-28 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: TX

Complaint narrative:
Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: NJ

Complaint narrative:
I deposited over {$130000.00} to Crypto.com on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX where I have been trading cryptocurrencies for over a year. I was told that I would be able to purchase cryptocurrencies instantly but I wouldn't be able to cash them out or transfer them to my other wallet for 3 business days. After XXXX business days when I tried to transfer my cryptocurrencies to a more secure wallet I was told I couldn't because my transaction was still pending. An hour later I connected with them through their in app chat and was told it isn't really 3 business days but 5 business days before I could access my funds. I was given an article from their FAQ section to back up their policy of 5 days. When it was still pending after 5 days I was told, in their in app chat that it was really seven business days ( given an accompanying FAQ article backing it up ) and that my funds would be ready on XX/XX/XXXX. Now today I was told it really isn't 7 business days, it is seven business days from the date of last deposit, but the Customer Service agent said he was escalating my request and I would hear back from them soon. for six hours i checked in once and hour and was told by the customer service representative that he was working hard on my case. After six hours he messaged me that he was still working on my case, and I would hear back from him shortly. Then he signed off and left and I was written to by a new customer service agent who told me he would have to go through my chat history with them and " familiarize '' himself with my case and then he could help me. After an hour he said that he has escalated my case and I would hear back within a few hours again but it would be a few days until I could get my money back. So now it is another day I still can't get my money. They say there is no manager to speak to or any other team to help. They say hopefully, at some undefined point, I will be able to access my money. I am not holding my breath. It is fairly obvious they are having issues and why tell a customer the truth when they can just lie repeatedly. I hope this can be resolved without me needing to file a lawsuit to get my money back, but who knows. Anyone reading this, USE XXXX, XXXX, XXXX, ANYONE but crypto.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed the XXXX account with Transunion on the XX/XX/XXXX and XX/XX/XXXX via certified letter. The dispute was never noted on my consumer report. I did not receive a response within 30 days of XX/XX/XXXX. The account was never removed from my consumer report as instructed in either of the certified letters. I want this account removed immediately according to law.

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Going over my consumer report I h

ave notice you are reporting two capital one accounts on my report. I demand these accounts to be removed from my consumer report. I id not give you written instruction to report anything on my report so this must be removed ASAP. Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It is in fact that I am a consumer and did not give you any written permission to furnish these acc
ounts on my consumer report.Which is my reasoning for you all to delete BOTH XXXX XXXXXXXX ACCOUNTS from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 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: MI

Complaint narrative:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXXXXXX XXXX Balance {$0.00} co XXXX XXXX XXXX  XXXX Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: IL

Complaint narrative:
I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Once I was released from medical leave, I obtained a new job and I have acquired 2 additional part-time jobs to get caught up on bills! I contacted XXXX customer service on XX/XX/XXXX and was told to pay {$13.00} to cover the prior months leftover balance, and I was never told that my account would was closed on XX/XX/XXXX! 

My payment history includes me as paying above and beyond the minimum due, for months I sent in $ XXXX {$250.00}! I called to catch up on my bill which is only a few weeks behind! To find out that the account was closed on XXXX! I was asked by XXXX and XXXX ( supervisor ) if I received an email and I checked while I was on the line with XXXX and I did not receive an email stating that my account was going to be subject to closing! 

This is misrepresentation of quality, fair and ethical customer service! I asked to be put on a payment plan to pay the account and I cant afford the {$200.00} payments interest rates and monthly late fees and I stated that if the account is closed because XXXX  felt my debt ratio was to high I asked why am I expected to maintain the EXACT same terms as if the account was still open? I will be assessed late fees and interest on a closed account if I pay less than the monthly amount even on a closed ACCOUNT! 

I want my account reinstated and I will pay what I owe. The company should treat me with dignity and the respect I deserve as a hard working citizen with 3 jobs ( one is that of an XXXX  ) that pays my taxes!

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Union bank hung up.on me 3 times when I asked for paper statements.

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 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: UT

Complaint narrative:
I received a notice from Mortgage company American Pacific Mortgage stating I did not have any hazard insurance on my property. My hazard insurance has been current since loan was opened on XXXX and is good through XXXX. It is paid in full and is part of my escrow payment. When I called in on XXXX the representative I spoke with just said " we will take care of it '' and didn't ask for any details, not even the insurance company I am with ( which they have right in their records ). They are taking out an insurance policy for my house with a premium of {$33000.00}. My mortgage is XXXX and my insurance is less than {$700.00} per year. They are purposely trying to gain money from me and wreck my perfect credit. I was then transferred to the insurance department and she said the address on my insurance doesnt match the home address. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which are the EXACT same address. Refused to fix the issue.

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 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This account with BANK OF AMERICA with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX XXXX and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this 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 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
On XXXX, XXXX I sent two debt validation letters for two different accounts to AR resources. I Requested that this company send me proof that I owe them money regarding two accounts. The amounts of the accounts are {$480.00} and the other being {$970.00}. 

On XX/XX/XXXX I received a letter that a contained two bills! Bills that did not prove that this was my debt and that I owed this company any money. 

On XX/XX/XXXX I sent a failure to validate letter to AR Resources ( via certified mail ). Requesting that AR Resources, Validate the debt they claimed I owed for a second time because they failed to do so the first time. 

On XX/XX/XXXX at XXXX AR Resources received my letters. 

On XX/XX/XXXX I have yet to hear or receive anything else regarding the accounts. " Estoppel by Silence '' legally means that this company had a duty to speak but failed to do so therefore I will like for theses accounts to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-02-28 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: IL

Complaint narrative:
I have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-02-28 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:
I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: NJ

Complaint narrative:
I noticed a few accounts on my credit report I do not recognize

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