vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had a mortgage with XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. During that time frame I never missed a payment with that company. That is over a 8 year history of on time payments. I refinanced that mortgage with a Different lender at the end of XX/XX/XXXX which was XXXX XXXX During the refinance process I will was told by a representative of XXXX XXXX  named XXXX that I would be granted a 30 day grace period to allow time for the loan to close and that payment would be added to the back end of my loan. Unfortunately that did not happen because of an error on XXXX XXXX behalf and my account ended up being reported 30. Days late right before my new loan with rocket mortgage closed. This has negatively impacted my credit history and has prevented me from obtaining the best interest rate to purchase a new single family home. I was a loyal customer to that company and I need them to do the right thing and remove this late payment from My account based on my previous payment history and the incorrect information that I was given by customer service rep name XXXX in the first place.

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 2022-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX has been repeatedly calling me at least 6-8 times per day. I block the number every single time, but they just change it every single time. They disguise the number as a local number so that its more likely that I will answer. They have called me multiple times, even today, before XXXX, and they call me repeatedly after XXXX. I work nights, and when my phone rings over and over in the morning when I am trying to recover, it significantly disrupts my sleep and has caused a bunch of health issues. They have also threatened to call my employer which is a huge issue and could cost me my job. I can provide phone records if necessary.

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 2022-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UHG, LLC
State: FL

Complaint narrative:
The law office of XXXX XXXX XXXX, sent a letter that stated he could defend me, from having my car and other property taken by XXXX United Holding group ). XXXX. The letter had a XXXX code to scan.He said United Holding group, filed a lawsuit in the county courthouse, on XX/XX/2022. I am elderly and my daughter looked at the courthouse records and did not see a suit against me. She also looked on my credit reports and there is no record. I think this lawyer is a shakedown artist. And I want to report him. I think it is illegal debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX XXXX is a liar and should be placed on administrative leave pending an investigation. She fails to follow through and continues to deceive myself and the State of California. California sent the funds to reinstate the loan on XXXX XXXX2022. XXXX sorry but, you have several complaints about you and you can not legally investigate yourself. California has asked me to find out the reason why you havent applied the funds within a timely manner. The Attorney General is aware of the issues and legal issues XXXX has now created for LoanCare. California is now asking me to go after your NLMS license and continue until you apply the funds to my loan. I need your superior to follow up. Your lies and deception are not appropriate and should be dealt with immediately. XXXX shouldnt be an employee of LoanCare at this point in time. She fails to notify the company of the issues she is creating for the company and the investor. Her demands are irrational and illegal. He actions have caused me and my family to discuss legal action against LoanCare. The Veterans Affairs is aware that as a servicer of VA loans LoanCare is acting illegally and should be held accountable. This includes losing the option to invest in California home loans and loss of guarantee of all VA loans. Apply the funds and reinstate the loan immediately.

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 2022-12-31 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: NC

Complaint narrative:
These collection accounts being furnished and reported by XXXX XXXX XXXX are hereby reported as fraudulent accounts to the FTC and the NC Department of Justice XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX are fraudulent and have been actively furnished unlawfully by XXXX XXXX XXXX. 

Remove immediately! 

The collections accounts being reported to the credit bureaus, after XXXX plus disputes, and laws violated against me were never investigated properly nor were the accounts ever validated properly even when an attempt of validation was sent to me XXXX years after the credit bureaus unlawfully allowed these collections to stay on my credit files even after XXXX plus complaints filed with you and over XXXX complaints to the CFPB in numerous times asking for validation of these collections and a statement of what services that I had allegedly received in 2017 to warrant these claims by XXXX XXXX XXXX giving you all as a whole numerous times to take take appropriate action per XXXX laws and state laws and i continue to contend i have no knowledge of these XXXX debts that this rogue lawless collection agency has furnished derogatory information and never once after XXXX plus companions properly or successfully provided any documentation to me that is required by law and have put themselves in great legal peril because their actions have been unlawful and the XXXX, XXXX, and Experian will be held legally accountable once I have my day in court with this out of control collection agency that has demonstrated deception trade practices at a whole new high according to law enforcement officials i have spoken to. 

Furthermore, these XXXX collections are unlawful and you all are liable for your actions.

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 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I opened an American Express Business Checking account under a promotion ( https : //www.americanexpress.com/en-us/business/checking/ ) that would pay me XXXX points after opening, depositing {$5000.00} and maintaining that balance for 60 days, and doing 10 transactions. 

I completed all of the terms, but the points were never delivered. 

I want the company to honor the promotion and deliver the points, and additionally give me treble damages of an additional XXXX points as a result of their misleading, deceptive and predatory practices of offering rewards and incentives and not following thru even when customers complete all terms of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: CA

Complaint narrative:
In accordance with the fair credit reporting act convergent XXXX XXXX XXXXXXXX XXXX has violated my rights.

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

- 15 U.S.C 1681 section 604 A section 2 : 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 non-monetary relief
Consumer complaint received 2022-12-31 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : 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 2022-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have Comenity Bank set up in my Bill Pay account and make a recurring {$750.00} payment monthly. Comenity has lost 4 of the last 6 payments ( XXXX, XXXX, XXXX, and XXXX ) I have made and failed to apply the funds to my account. I have followed their dispute process and even had a 3 way conference call with my bank. Comenity stated they had done a system conversion and were having issues with a large number of payments but would resolve the issue within 90 days. At 90 days they asked us to refile the dispute with more information, but they already had everything they needed from the bank from the first call. They did ask us to use a different address and updated account number and we made the changes requested. They then posted 2 payments before losing the XXXX and XXXX payments. They charged us late fees on both and we have had to file 2 additional disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One has furnished a charge off account to my consumer report to the consumer reporting agencies in which in turn have directly affected my financial reputation. This company has failed to abide by the Gramm-Leach Bliley Act of 1999 ( GLBA ). I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by Capital One to neither CRAS ( XXXX, XXXX, XXXX ). 

CAPITAL ONE did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Capital One is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 

I ask of this company This notice is a CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. Im this complaint I am exercising my right to prevent the processing of my personal data by Capital One for the account opened XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
in my Paypal credit i have a Case opened with them XXXX XXXX XXXXXXXX for a purchase from XXXX where the seller has send me a XXXX phone which wasn't authentic and that's why i opened the case with paypal - resolutions center and based on the email received from paypal they asked me to send the product back to the seller which i very much did. Now that product shows very much delivered back to the seller via XXXX but now paypal says that they are denying my claim only because i di n't selected a XXXX which took the signature of the person as this was more then a XXXX $ product value. common still it's not the thing that i haven't selected that sort of XXXX i am penalized and ask to pay the amount despite of sending the faulty product back to the seller. it is very much evident from the USPS tracking that the seller has very much got the product back and i am not liable to pay any sort of money for this at all. Which i am very much not doing so even paypal or XXXX are not able to resolve this. I am going to file a lawsuit against them or they can send me " IN WRITING '' confirming that their seller has not got this back and then i can even go ahead and initate a police complaint and ask a XXXX XXXX XXXXXXXX XXXX inspector to step in and investigate the matter of fact that their seller is lying  ok. I am very much positive and confident because that seller has even listed that phone send back on his XXXX listing page which i very much saw as well. So this is going to be a very tough claim for giants like paypal and XXXX to fight for if i am initiating this as a legal way to sort then. One last time i am trying to approach them via this Consumer complaint to see if this can be sorted " out of court '' then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: ME

Complaint narrative:
I attempted to make an online purchase on XX/XX/2022. US Bank sent me a text asking if it was me that use the card and I texted back yes. Well they did not let me use the card again so I called customer service for XXXX XXXX XXXX  They informed me that there was nothing they can do. They couldve picked me randomly to put a hold on my card. Unless Im mistaken, they can not put a hold on my card. That was not used for fraudulent activities if I was the one using it. Now they are holding my money till Tuesday. Its the only money I have its my unemployment card for XXXX XXXX thats the only income I have in the winter time because I work part time in the summer. They were said theres nothing they can do to help me I sent in my ID on Friday night I sent a selfie like they asked me every person Ive talk to you there said too bad theres nothing they can do. So Im left with no money at all and Tuesday when they said it might be fixed I get my next check in and I couldnt pay the bills. I have today with last weeks check. Since when can a financial institution hold your money for no good reason. What are the girls said it mightve been my change of address well let me tell you about the change of address their company their bank made me change my address. They said there was something wrong with the address I gave them and they wanted a new one, so I gave them a different form of the way my address was. I did nothing wrong here and Ive gotten nothing but rudeness and ignorance from these people. What am I supposed to do whos gon na pay my bills this week and they froze it over the holiday weekend. This is absurd. I want to file charges against his bank for holding my money. There is no reason in the XXXX constitution that they could be doing this to me.

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 2022-12-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. 


Inquires : XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was charged XXXX to my CitiBank credit card from XXXX in early XXXX. I disputed the charge, which I didn't make, almost immediately. The company initially removed the charge but notified me today, XX/XX/XXXX, that they were reapplying the charge to my account because they received evidence from the vendor that the item was delivered to my home. ( The charge was actually reapplied to my account on XX/XX/XXXX ; I suspect they didn't notify me until today so that no one would be available to respond to my complaint because of the weekend and holiday. ) I don't know what this evidence is- I did not purchase any merchandise from this vendor for this amount. ( The last XXXX purchase I made was in fall of XXXX for approximately {$40.00}. ) I called the fraud division today and held for 10 minutes before the call was disconnected ; I later learned that the office was entirely unstaffed today, so my time holding was a waste and a ruse. Then, I called the dispute department and spoke to a representative named XXXX. I asked to speak to his manager, and he kept me on hold for approximately 10 minutes, telling me the time to speak to a manger was 15 minutes. When I asked why the wait time wasn't going down, he told me that no managers were in the office, that I would not be able to speak with a manager, but that he had been instructed to tell me I was in the queue for a manager until I got fed up and hung up. This company has stolen my money and time and disrespected me every step of the way- please help me get my money back, and please encourage them to change their business practices to treat customers with basic honestly and respect.

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 2022-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Affidavit of Truth STATE OF GEORGIA XXXX OF XXXX XXXX XXXX XXXX, being duly sworn deposes and states as follows under penalty of perjury : XXXX. My name is XXXX XXXX XXXX, I am presently XXXX XXXX XXXX, and my current address of residence is XXXX XXXX XXXX XXXX, XXXX, GEORGIA XXXX. 

XXXX. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the agent XXXX attorney, in fact, so be it ; and ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, I am the original creditor and I extended your organization credit in the consumer credit transaction, so be it, and ; 4. Fact, I was required to provide a Social Security Card number on your credit card application in this consumer credit transaction, so be it, and ; 5. Fact, I never knowingly authorized nor knowingly gave any person/organization permission actual, implied, or apparent authority to use my consumer credit card for this consumer credit transaction, so be it, and ; 6. Fact, I never received documentary proof of no such evidence of indebtedness in this consumer credit transaction, so be it, and ; 7. Fact, I have not benefited from this consumer credit transaction but only been harmed mentally and financially by your unfair credit card practices, so be it, and ; 8. Fact, I was never aware of the transaction, which left me in the dark about the cost of the transaction. This caused me to make an uninformed decision which resulted in numerous billing errors, and unfair credit card practices, so be it, and ; 9. Fact, I was never provided adequate notice that clearly and conspicuously mentioned the pertinent facts of this consumer credit transaction therefore I couldnt reasonably understand its meaning. This lack of understanding placed me at a disadvantage from the beginning of this consumer credit transaction, so be it, and ; 10. Fact, I believe that a deceptive form was designed, prepared, and provided to me in order to collect an alleged debt that I, the consumer, allegedly owed to the alleged creditor, so be it, and ; 11. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A that COSTCO ANYWHERE is in violation of 1006.30 ( e )

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 2022-12-31 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: OR

Complaint narrative:
The company stated that the disputed inquiry will remain on my credit report for 2 years, and to contact the company that made the inquiry, which I did, Transunion. 
Transunion declined to remove the inquiry, which was not even in my name, from my credit report. 
So now, I have an inquiry on my credit report that will be there for two years that is not in my name that I have no knowledge of, which is not acceptable. Especially since I am a Victim of Identity Theft. 

Original compaint : YOUR COMPLAINT On XX/XX/2022 I viewed my Transunion credit report online and saw an inquiry that I have no knowledge of and that I did not authorize. The inquiry was from XXXXTRANSUNION XXXX for XXXX XXXX which is not 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 explanation