vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express offers a " pay over time '' option to their business credit card customers. This offer appears in several locations on my account page & billing area. The link describes the service and states that you must call the number on the back of the credit card to enroll. I have called several times during the year to enroll and was told that it was by invitation only and there was certain criteria that must be met to be enrolled or invited to enroll. I asked for the criteria and was told by a manager ( XXXX ID # XXXX ) that she did not know the criteria and " they '' set the criteria. I asked who " they '' were. XXXX could not provide me a department or a answer to who set the guidelines and what the guidelines were. I stated to XXXX that I had been a account holder for over 30 years, carried and have paid balances on time as high as $ XXXX. What more could the qualifications be? XXXX could not provide a answer. I stated to XXXX that I felt that I was being discriminated against and was concerned that no one could provide the qualifications or criteria that had to be met in order to be enrolled in the " pay over time option ''. The service is advertised as being a feature that could assist business owners and as a business owner I could benefit from the service. XXXX was very aware that I had complained about this before because it was in my profile. She stated that it would take 2-3 weeks or more for someone to contact me. I stated that I had complained before and never received a call back. I stated to XXXX that it was unacceptable to have a service that could benefit business owners but not have the criteria or qualifications that had to be met or no one that you could speak to about the qualifications and told it was THEY who made the decisions without stating who THEY were. I believe that American Express is deciding who to offer this service to based on race or other discriminating factors. It is unacceptable to offer a service such as this that can obviously be beneficial to a business owner but not provide any qualifications or criteria whatsoever which allows them to choose who ever they want to choose. I believe this is a very serious problem that needs to be investigated, American Express should be forced to provide the qualifications required to enroll in this service and provide that information on their website for everyone to see and not leave the approval up to a group or department that has no transparency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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: Continental Finance Company, LLC
State: GA

Complaint narrative:
I've been fighting with Continental finance company for over a year about fraudulent activity on my XXXX XXXX account. I've reached out over and over. Every single time I get someone on the phone, I have to explain the situation all over again. Each rep promises to investigate and get back to me, or escalate to upper management. I don't hear back from them. They reported my account 60 days late and my score across all bureaus took a 40+point dive each. I've called and complained and each time they promise to get back with me within the week, but I never hear back from them. Every investigation reported concludes that it's individual responsibility, even though they have definitive proof it wasn't me who made the purchases. I'm currently making the minimum monthly payment to protect my credit. I've been paying on this account since before the fraud was committed and I'm tired of paying for purchases plus interest, someone else made. I asked about consumer protection and fraud liability that's suppose to be automatic, yet they allowed info on my account to be changed including personal address and payment account number. They won't fix the problem. Instead they lie and string me along and i Personally feel like they're going to drag this out until I end up paying the bill in full then close my account. They told me to keep making the minimum payment and once the investigation was done, I'd be refunded any money I paid in. This was of course after they reported my account being 60 days late which was a result of fraud as well. they also promised to remove that but it's still showing on my credit report. I feel helpless and out of options. I'm not sure what else can be done except take them to court.

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 2022-06-15 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts as followed XXXX Account Number XXXX XXXX Account Number XXXX XXXX  XXXX Account Number ( Opened XX/XX/2018 ) XXXX ALL have violated my Rights 15 U.S.C. 1681 section 602 A. States as follwed " I have the right to privacy '' 15 U.S.C. 1681 section 604 A Section 2 states as followed " A consumer reporting agency CAN NOT furnish an account WITHOUT my written instructions '' Instructions on which I NEVER gave to any reporting agency

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 2022-06-15 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: TX

Complaint narrative:
i am victim of identity theft, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, these are belonging to me, lXXXX XXXX  has been under investigation for 3 months, fcra says cra get 30 to process dispute for consumer this way over.

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 2022-06-15 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: TX

Complaint narrative:
i am victim of identity theft, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, these are belonging to meXXXX XXXX XXXX  has been under investigation for 3 months, fcra says cra get 30 to process dispute for consumer this way over.

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 2022-06-15 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: VA

Complaint narrative:
In accordance with the fair credit reporting act my rights have been violated by XXXX XXXX 

15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 604 A. Section 2 : It also Statesa consumer reporting agency can not furnish a 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 2022-06-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act my rights have been violated by XXXX XXXX 

15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 604 A. Section 2 : It also Statesa consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: AL

Complaint narrative:
My credit identity has been stolen and used. I need to get these accounts fixed and removed from my credit profile.

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 2022-06-15 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: AL

Complaint narrative:
My credit identity has been stolen and used. I need to get these accounts fixed and removed from my credit profile.

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 2022-06-15 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: Avadyne Health Holdings, Inc
State: GA

Complaint narrative:
I have found grounds that my rights have been violated company H & R Accounts XXXX XXXX XXXX, XXXX, IL XXXX XXXX ACCT # XXXX ACCT # XXXX this company has report to the major credit reporting agency, without my knowledge nor consent according to 15 U.S. Code 1681a " If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer.

( 2 ) provide to the consumer written or electronic disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was scammed by a Fraudulent company named XXXX 
It all happened around XX/XX/2022 They approached me online and manipulated me into investing and trading. 
I had no previous experience with cryptocurrencies and they took advantage of that. 

Unfortunately I invested around {$8300.00} in total, which I had to upgrade and add more funds to receive my profit. My profit started around XXXX through the website. Then significantly went up to {$22000.00} in profit. I was then told I had to pay a maintenance fee of {$5000.00} to get my profit. After I paid what was stated, thinking I would get my funds. I was then told my money was transferred to the bank I indicated above that would hold my funds, and I would be able to withdraw a total of {$36000.00} immediately. When I tried to withdraw the money, I couldnt due to a tax loan code. Then through an email thread, I was then told I needed to pay {$7500.00} to get my money out due a tax loan fee. I mentioned I wasnt aware of this. Then they agreed I pay {$5000.00} through a XXXX ATM to receive the code. This has caused a lot of stress by all this money being asked of. After waiting longer due to a lack of funds to pay, I finally came up with the total amount. I paid what was asked for the amount of {$5000.00}. Then they didnt give me the funds! They said there was an increase in the tax fee, but these increases will cover all fees, so I need to pay the initial amount of {$7500.00}, of which I already paid {$5000.00}, then they regret to mention I pay the remaining balance of {$2500.00}. After all of the investing and not being able to withdraw my funds i had realized it was a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist Mortgage is holding my escrow money hostage! I closed on the sale of my condo XX/XX/22. They said they sent the first check on XX/XX/22 to my old address ( the one I sold ). I should have gotten it before I moved. Then, I called on XX/XX/22 and they reissued a new one to my new address on the XX/XX/22 and I havent received it. Neither check has ever arrived. I have, however, received information on the close of my loan that was forwarded from the old address, so forwarding is working. I called again today XX/XX/22. They tell me that they cant ACH. They cant XXXX. Every time a check is issued, I have to wait 30 days after the issue date to void and reissue. Then, I have to wait up to 9 business days for the reissue and then it gets mailed via USPS again. It is an endless loop of the same process. It has been XXXX days since I closed my loan. This is dangerously fraudulent. It appears as if they are using people 's escrow money to manage their cash flow.

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 2022-06-15 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts as followed XXXX  Account Number XXXX XXXX Account Number XXXX XXXX XXXXXXXX Account Number ( Opened XX/XX/2018 ) XXXX ALL have violated my Rights 15 U.S.C. 1681 section 602 A. States as follwed " I have the right to privacy '' 15 U.S.C. 1681 section 604 A Section 2 states as followed " A consumer reporting agency CAN NOT furnish an account WITHOUT my written instructions '' Instructions on which I NEVER gave to any reporting agency

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 2022-06-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts as followed XXXX Account Number XXXX XXXX Account Number XXXX XXXX  XXXX Account Number ( Opened XX/XX/2018 ) XXXX ALL have violated my Rights 15 U.S.C. 1681 section 602 A. States as follwed " I have the right to privacy '' 15 U.S.C. 1681 section 604 A Section 2 states as followed " A consumer reporting agency CAN NOT furnish an account WITHOUT my written instructions '' Instructions on which I NEVER gave to any reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

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 the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

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 the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I was charged a {$35.00} fee by US Bank to stop a bill that I had used an auto payment feature to pay with. I began using the feature believing it was a free bill automation tool, not any kind of paid service. I have not brought it up with US Bank for fear of retaliation. I also am unable to attach evidence of the charge of the fee because the app does not allow screenshots to be taken of the charge screen.

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 2022-06-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was checking my credit monitoring and realized there's a unauthorized inquiry reporting on my credit report I contacted all 3 Bureau today XX/XX/2022. To let them know that I do not have an account with these two companies and I never applied for any loans for mortgages. I let them know that these inquiries are effecting my consumer credit score. I will faxing a copy of this complaint because, that's what they asked for in order to have the items deleted. 


XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-15 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: IN

Complaint narrative:
I have a hard inquiry on my credit report due to a lending company running my credit for a mortgage. That was not me. I have not been looking for credit, a house etc. Someone has used my information and it has gone on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: VA

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Please remove these 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 2022-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: MO

Complaint narrative:
I paid XXXX to my physician prior to XXXX for my deductible and co insurance. They took the money and applied it to something else. I have tried for a year to talk to the doctors office and billing to get it resolved with no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
The Department of Education process for Public Service Loan Forgiveness has been obtuse and frustrating. I have more than XXXX years of payments but XXXX months were paid to the XXXX XXXX XXXX XXXX. I have the email receipts of these payments as well as the records from my loan servicer, but these payments have not been counted under the PSLF waiver by XXXX XXXX, my current servicer. 

I filed my employment certification form in XX/XX/XXXX, followed by subsequent forms in XXXX, XXXX and XXXX of XXXX. My payment counts still do not reflect my full history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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:
I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them, I've never authorized them please remove them

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 2022-06-15 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:
Correct name XXXX XXXX. I do not identify by any middle 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