vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX XXXX XXXX XXXX Account was removed from reporting on my Equifax back in XXXX of 2021 for not reason. Although it was removed from Equifax and they refuse to provide a reason as to why, the only way the Equifax will restore reporting of the XXXX XXXX XXXX Account is to have XXXX  send them a reinsertion letter and updating the account information. I have tried for several months to get XXXX to do this yet the keep giving me the run around and repeatedly tell me that since Equifax removed the account, it's Equifax 's problem. This of course is not true since Equifax is telling me that the only way they'll start reporting the XXXXXXXX XXXX  XXXX XXXX account again is if XXXX submits a reinsertion letter. For nearly a year XXXX and Equifax has blamed the other for the account not reporting on my Equifax Credit Profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
My name is XXXX XXXX , I have been trying DESPERATLY to resolve my issues with MR. COOPER XXXX Since XXXX I have been in foreclosure. UPDATE : My forbearance expired XX/XX/XXXX. I was notify that payments will began XXXX, XXXX. I have sent XXXX payment, XXXX payment, XXXX and XX/XX/XXXX have ALL be submitted so far. Mr. Cooper is making do a 6 months TRIAL period. When I was approved 3 months ( Modification ) TRIAL period. Mr. Copper changes the rules to benefit themselves, every time I am close to getting out of the cycle I am forced back into something else, that cos me STRESS, FINANCES AND HARDSHIP. Mr. Cooper has NO intention to resolve the problems. They create MORE, MORE, MORE Delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I filed a previous complaint and the company responded with the same old song and dance routine. I can't understand how a company with this much " smut '' on their face can be allowed to remain in business. I am attaching a letter and sample postings on the Consumer Affairs and XXXX XXXX XXXX sites.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Your company is not usages my recent credit scores the info on the site is not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
My bank account with USAA was hacked on XX/XX/22. The hackers called me on XX/XX/22 and spoofed USAA 's actual number. A month earlier, my credit card had unauthorized purchases on it. USAA called to verify these purchases, and they were indeed unauthorized. Hence, USAA canceled my credit card and sent me a new card. The credit card fraud case appeared genuine. In this case, the hackers acted like a USAA representative. They stated that my debit card had unauthorized purchases on it. I never use my debit card. After a 30-plus-year membership, I am familiar with USAA 's routine. The operator ( hacker ) sounded legit. I denied the debit card purchases the operator gave me, and then he said to continue, he would need my log-on pin. Requesting this pin is a standard procedure for USAA. Then he said he would put me on a brief hold to send me a verification text. This verification hold took longer than expected. I felt that something was wrong, so I hung up. Approximate 10 minutes later, I received a text indicating that a wire transfer was initiated from my account for thousands of dollars. My experience with wire transfers at USAA is that they need to be set up in advance. This process can take days to complete and involves small sums of money sent and received in advance between the two accounts. How was this hacker able to send a wire transfer without first set up for one? I called USAA to stop this wire transfer. By this time, I was unsure who I was talking with, the hacker or USAA. It turns out I was talking to USAA when I called back. 

Eventually, USAA was able to retrieve the wired funds. They did help me change my password information. Before this event, I changed my user and password information annually. My passwords are lengthy and complicated, and I also use two-factor authentication. The hackers had to have my user login and password, meaning USAA got hacked. USAA is not taking responsibility for the hack. I now know this has happened to many other USAA customers. USAA has stated that I should sign up for credit monitoring. I contend that USAA should pay for credit monitoring. Their institution is unsafe, and they do not own up to their responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Your company is not usages my recent credit scores the info on the site is not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint on XX/XX/XXXX, to XXXX and XXXX regarding false information reporting on my credit report. XXXX has responded to the case ; Complaint ID : XXXX. I attached the document from XXXX regarding the bankruptcy that has been removed from my report since XX/XX/XXXX. 

XXXX informed me in XX/XX/XXXX, they received verified information from XXXX and this is why they did not remove the bankruptcy reporting from my credit report. 

XXXX has not provided any response to my other complaint ; COMPLAINT ID : XXXX. 

I am officially requesting XXXX to provide XXXX with updated copies of my consumer report since XXXX is falsely accusing XXXX to verify such information that does not exist. 

Per XXXX " Although XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), a XXXX Company, sells public records in bulk to a variety of customers, including consumer reporting agencies such as Equifax, XXXX, and XXXX, XXXX XXXX XXXX role is limited to providing its customers data it retrieves from courts, including updates to existing records. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a complaint on XX/XX/XXXX, to Experian and XXXX regarding false information reporting on my credit report. XXXX has responded to the case ; Complaint ID : XXXX. I attached the document from XXXX regarding the bankruptcy that has been removed from my report since XX/XX/XXXX. 

Experian informed me in XX/XX/XXXX, they received verified information from XXXX and this is why they did not remove the bankruptcy reporting from my credit report. 

Experian has not provided any response to my other complaint ; COMPLAINT ID : XXXX. 

I am officially requesting XXXX to provide Experian with updated copies of my consumer report since Experian is falsely accusing XXXX to verify such information that does not exist. 

Per XXXX " Although XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), a XXXX Company, sells public records in bulk to a variety of customers, including consumer reporting agencies such as XXXX, Experian, and XXXX, XXXX XXXX XXXX role is limited to providing its customers data it retrieves from courts, including updates to existing records. ''

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 2022-04-29 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
JP MorganXXXXXXXX XXXX  Credit card XXXX Credit card has me as authorized user but I did not authorize the use of my name and personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying for HOURS to get ahold of anybody at Experian. I have an existing despite j need deleted it is affecting me getting my house I am purchasing. I have called multiple numbers with one lady answering one single time only to tell me she would have to transfer me. Automated system gives you two options of hangs up on you and days they are unavailable to help you at this time. This is the worst company ever to deal with I would high recommend never hanging to deal with them XXXX and XXXX were 100 % helpful and tentative to all my needs especially via phone.

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 2022-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
1. After sending harassing emails on a payment that already had already been paid. Just like XXXX XXXXXXXX XXXX, Lowes and Sycronyn Bank are targeting XXXX veterans through the Lowes Account. so after I asked them to stop the emails they made sure my card did not go through online for simple purchases. 
2. They left me on hold for 45 minutes and when I spoke to someone they gave me the run-around, ( our system has bugs please reenter your account number 50 times ) the next bank or store they should be looking for discrimination is Lowes/Sycronyn Bank I do logs and notes and ready to sue. All I have to do is read back from these to anyone asking questions. dates times reps etc...

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 2022-04-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account deleted or updated.

This is the item I demanding to be deleted immediately 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX XXXX : XXXX Please remove this bankruptcy from my public record

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 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items to be deleted from my credit report at your earliest convenience. 

Inquiry : XXXX XXXX XXXX  ( XX/XX/2021 )

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 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Hi, I have a Visa credit card from Bank of America, and as a Platinum Honors member, I am supposed to earn a special bonus rewards totaling 5.25 % for all " online transactions ''. However, I noticed recently that BOA seems to arbitrarily change/reduce the rewards I am entitled to get, and here is a recent example. 

On XX/XX/2022, I bought online four airline tickets, each costed me {$420.00}, and totaling {$420.00} X XXXX = {$1600.00}. Since this was an online transaction, I notice that only two tickets were processed correctly - each giving me a reward in the amount of {$420.00} X 5.25 % = {$22.00}. However, they failed to process rewards for the other two tickets in the same way, rather they only gave me {$420.00} X 1.75 % = {$7.00} each. So I called them, and pointed out this processing error and demanded a credit. The representative initially tried to send me off and tried to convince me that there was no mistake. However, once I pointed out the inconsistency in them processing XXXX tickets from the same transaction, she changed her message and told me they will open a case and investigate. 

I just received a letter in the mail today dated XX/XX/2022 from BOA, informing me that theyve now concluded their investigation and there were no mistakes. The explanation they quoted in the letter doesnt seem to apply to my situation and doesnt make logical sense to me either. 

Here is my request to Bank of America : 1. Credit back my rewards in the amount of {$88.00} ( i.e. {$22.00} each for four tickets ). 
2. Worth noting that I only paid attention to this transaction because of the large transaction amount, there may be other many transactions that I was ripped off as a consumer but didnt catch. I demand Bank of America also do a thorough review of my other transactions to make sure that mistakes like this get changed in a timely manner.

3. Set up necessary internal review process/controls to review and catch mistakes like this and correct them before sharing with customers, and provide their employees with necessary training to address customers concerns when called. 
4. Take necessary corrective actions to stop this kind of fraudulent practices to arbitrarily take way rewards/benefits from their customers, and pretend to give explanations that are either irrelevant or dont make logical sense. 

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 explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
On XX/XX/2022, I received an email from Genesis FS card services offering a settlement option to pay my card off and close the account. I was given until XX/XX/XXXX to accept the offer. On XX/XX/2022, I called and paid the amount of the settlement offer. 

On XX/XX/2022, I received an email stating that I had a payment due. I proceeded to attempt to log into the account ( which should have been closed ) and found that the account was still open, was continuing to gain interest, and was showing that a payment of {$120.00} was overdue. 

I called the company on XX/XX/2022, they stated that it takes time for a settlement to be reported to the credit bureaus and that they last reported on XX/XX/XXXX, but did not report it as settled. They stated that the account was closed, but refused to explain why I was still able to log into the account that shows it being open with interest still accruing. 

This account is currently continuing to build interest and being reported negatively to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: FL

Complaint narrative:
Your offices have reported invalidated information to one or all of the 3 major Credit Bureaus XXXX XXXX, XXXX or Transunion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative or adverse marks are such as ( late payments, collections, charge offs, inquiries etc ) are found on any of my credit reports by your company or any of the companies that you represent I will not hesitate in bringing legal action against you with the FTC as well as any other relevant government agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character copied from affidavit

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 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2019 MHC Receivables LLC sold my credit card debt from XXXX XXXX XXXX  XXXX. ( {$940.00} ) to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX failed to notify me of this sale or that I had a right to dispute violating my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: MD

Complaint narrative:
- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2022-04-29 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: MD

Complaint narrative:
- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with explanation