vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I closed on a mortage In XX/XX/XXXX with Cardinal Financial ; I sent off my mortgage payment off in the amount of {$1500.00} every month on time ; Sometime in XX/XX/XXXX I received a notification on my credit monitoring ( which I get every 3 months due to plan I elected ) stating I missed payment for XX/XX/XXXX and XX/XX/XXXX and was 60 days late. I called Cardinal Financial immediately around XX/XX/XXXX to address the issue and found out the mortgage company switched end of XX/XX/XXXX to XXXX XXXX  XXXX which I was never informed. I informed rep I had my money order receipts showing I paid XXXX, XXXX and XXXX rent on time ; She did research and called me back XX/XX/XXXX ; during that time, a XX/XX/XXXX late had reported to my credit making it 90 days past due ; She stated she would put account in deferment status, adding late payments to back of loan and making account current again but takes a few days to setup ; A few3 days turned into weeks so around end of XXXX early XXXX, my account was current again due to their negligence to inform me that company switched yet I received no money orders back at that time ; fast forward to XX/XX/XXXX, I finally received all money orders back after providing proof and tracing through XXXX and seeing they were uncashed and sitting somewhere undeposited. My loan is now in current status but 4 late payments are ruining my credit and my ability to purchase an investment property

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have written several disputes to XXXX, XXXX XXXX and the 3 credit bureaus regarding some lates they reported on my credit. I requested deferments with the creditors and they agreed and said they would not report me late. These all occurred during Covid when I was affected by the pandemic. I am asking due to the Cares act that you please help assist me with getting the creditors or bureaus to remove the lates they reported that have caused my scores to drop over XXXX points.

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 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
Used Cash App for the first time today. Searched my friend and clicked the name and the pay screen came up. Wrong person got my {$150.00}. Cash app says all I can do is ask the person to refund. Says I should've looked at their profile but I was never given the option. The profile is nothing but the name and date joined so how would that even help? Anyway my friend is broke down with no money. I'm a XXXX senior who can not afford to lose {$150.00} to a company claiming they have no control over transactions. I'm in a XXXX  XXXX between my XXXX XXXX  and cash app where both are sending me to each other and both are claiming they can do nothing. I need for cash app to step up and cancel the transaction and refund my {$150.00}. Can you help? Please?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NV

Complaint narrative:
I am in a fixed income situation. In order to avoid a potential foreclosure due to the increase in the drastic price elevation, I cancelled XXXX services with my mortgage company, LoanDepot, i.e. an insurance policy and tax payment service. The result of my action I now pay down the debt plus interest. I had {$2300.00} in escrow with LoanDepot. 
LoanDepot has taken the funds that were in escrow and called it a payment. I believe this is illegal and I want the escrow funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A few months ago I sent the consumer reporting agencies letters notifying them that there is inaccurate information on my credit reports like my name, birthday, address, and employer. I sent them together with a copy of my ID, proof of bill, and social security card. I believe that they mixed my information with someone else or I am a victim of fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A few months ago I sent the consumer reporting agencies letters notifying them that there is inaccurate information on my credit reports like my name, birthday, address, and employer. I sent them together with a copy of my ID, proof of bill, and social security card. I believe that they mixed my information with someone else or I am a victim of fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2022-03-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint because In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, RXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXXaccount # XXXX & XXXXXXXX XXXX account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint because In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXXaccount # XXXX & XXXX XXXX  account # 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 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 non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
I dont have exact dates, but my XXXX credit card account that was owned by XXXX XXXX, was recently sold to a Goldman Sachs credit company named Marcus. This is ongoing.

I have had the XXXX account over twenty years, maybe thirty, and I pay it off every month. I have only run a balance twice, as far as I can remember and I paid those off in two billing cycles on those occasions.

Marcus by Goldman Sachs decided they were going to take the monthly bill out of my checking account. I dont have a checking account and I want a paper bill mailed to me every month. I told them that. My credit card bill is the only bill I have and my mother sends a check for me.

I havent received a bill and apparently, because I wont pay a bill I havent seen, Marcus has frozen my card. Last Thursday they finally said they mailed me a bill. Never got it, called them today and now they say they mailed the bill on the XXXX, yesterday. 
I am almost positive that this company doesnt want customers that settle their balance every month, but prefer customers that run debts month to month. That means Marcus is discriminating against people that pay there bills on time and in full. Im no lawyer, but that is also coercion. Marcus cant force me to give them access to my bank account or withhold their services because I pay my bills on time. 
Ive contacted the XXXX XXXX XXXX about this and I hope, that if you see some wrong doings, you will look into it. At the least, I think you should make them aware of my complaint against them. Just that might put them on their toes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Accounts Receivables, Inc. (FL)
State: FL

Complaint narrative:
Formal Complaint I RENTED A CAR FROM THIS RENT A CAR FROM XXXX XXXX, DBA. THE COMPANY RENTED ME A VEHICLE MONTH BY MONTH WITH UNLIMITED MILES THEN WHEN THE MONTH BY MONTH IS UP, I RETURN THE VEHICLE, I RENTED ANOTHER VEHILCE FROM THEM MONTH TO MONTH IN REFERENCE TO PUTHASE THE VEHICLE. COMPANY CHANGE THEIR POLICY WITHOUT NOTICE AND FORCE OUT THE VEHICLE AFTER I DRIVIEN XXXX MILES BREACHING THEIR OWN CONTRACT. THEN TURN AROUND AND SUE ME FOR MILES OVERAGE ON A RENTAL CAR THAT HAS UNLIMITED MILES. THEY HIRED A DEBT COLLECTIOIN COMPANY TO COLLECT ON A BREACHED CONTRACT THE ATTORNEY WHO NOTIFYING THE WRONG ADDRESS OR NOT CONTACTING ABOUT A LAW SUIT. COMPANY HAS SENDING INFORMATION TO AN ADDRESS I DONT LIVE AT SO I CAN LOSE THE CASE. ALSO, THEY PLACED A XXXX HOLD ON MY BANK ACCOUNT FOR {$12000.00} AND TOOK MY TAXES IN THE AMOUNT OF {$6700.00} PUTTING MY FAMILY IN A POSITION OF GETTING EVICTED OUT OF APARTMENT. IT'S SO EMOTIONAL DISTRESS AND I AM ASKING IF YOU CAN HAVE STOP THIS FRAUD DEBT PRACTICE IN THIS PENDEMIC.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX FRADULENT iNQUIRIES ON MY CREDIT report ( IDENTITY THEFT ) XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 EXPERIAN REFUSES TO MOVE THESE FRADULENT HARD INQUIRES ON MY REPORT, IDENTITY THEFT FTC REPORT HAS BEEN PROVIDED, PLEASE HELP 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 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
An account was opened from Synchrony Bank which is now be handled by XXXX XXXX XXXX. The account was opened on XX/XX/2019. The balance owed is {$470.00} I contacted them and told them it was a fraudulent account and I need it to be removed from my credit report. They said I only way is to pay the money and it would be removed in XXXX months. This a identity fraud not sure if the account was opened online or in person I cant get any information. I disputed this several times.

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 2022-03-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My mortgage was transferred ( or sold ) to XXXX XXXX  in XXXX of XXXX.I have made all of the required payments on time however, XXXX persists in erroneously showing that my XXXXXXXX payment was delinquent.

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 2022-03-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim since I have been terribly harassed by # CapitalOne, and I need to file a complaint against this credit card bank that is imposing late fees and interest charges illegally. 

Please see the attachments and look at my Capital One account carefully carefully. Id like you to match the amount. The credits I received from the merchandise, i.e., XXXX doesnt match with the ones processed by CapitalOne . Also, some of the refunds were provided really late by the merchandise XXXX. 

If the merchandise XXXX is unable to provide refunds on-time, why should I be paying the late fee/interest charges? Capital One should have the courage to demand XXXX. 

So kindly waive off these illegal charges against me and in future, please process the correct amount of refunds in time. 

Thank you If u have any questions or concerns, feel free to contact via email : XXXX or phone : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
In XXXX, XXXX, I applied for an American Express XXXX XXXX ( Everyday ) credit card to take advantage of their " Welcome Offer to Earn {$200.00} Back '' after XXXX spends {$2000.00}. in purchases on the new XXXX within the first 6 months of XXXX XXXX. 

I have more than fulfilled the spending requirement and I called an AE agent on XX/XX/XXXX, to ask about the {$200.00} credit. The agent gave me a confirmation number for my inquiry and also stated that I would hear back from them with an answer to my question. I never heard back. 

On XX/XX/XXXX, I called American Express again as I hadn't heard anything back from them. This agent stated that my " welcome offer/bonus '' was " declined '', as my " account did not qualify for it ''. He also stated something about the offer being declined " due to a history of balance transfers ''. ( My credit score is XXXX and I haven't had a balance transfer in many years. ) After I asked to speak to a XXXX and, after much delay, I was connected to a XXXX XXXX. She stated that the welcome offer was declined due to " a welcome offer history in the past being taken advantage of ''. ( I have another American Express XXXX XXXX XXXX card which was opened in XXXX. ) I asked for more specific information regarding her claim of a past welcome offer being given me, but was not given any. 

I strongly feel that American Express has engaged in an unethical and misleading manner by misrepresenting their {$200.00} Welcome Offer for opening a XXXX XXXX American Express ( Everyday ) Card to me and others. Their practices are confusing and totally lacking in transparency. The reasons given me for their not honoring the {$200.00} Welcome Offer are pretextual. It is a " bait and switch '' tactic which is not only unfair, but unscrupulous. 

Please investigate these practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, I entered into a lease with XXXX XXXX regarding a new vehicle. The terms of the lease were for 39 months. I paid the lease off completely and returned the vehicle to XXXX XXXX XXXX and XXXX Pennsylvania in XX/XX/XXXX. I talked to the sales XXXX at XXXX XXXX XXXX and told him that I was turning in a leased vehicle. He went out and he looked at the vehicle and said the vehicle was in excellent shape. I asked him if I needed paperwork to that affect. He stated that I did not need any paperwork and I was " good to go. '' The vehicle was in perfect condition when it was turned in and that was acknowledged by the dealership. Months later XXXX XXXX claimed the auto was damaged. I told XXXX financial that that was not the case, and the vehicles was turned in in perfect condition. It was at that time the XXXX XXXX try to get {$2600.00} from me. I told them that I did not any money and they would not give me any information regarding the " damages '' to the vehicle. 

In XX/XX/XXXX I attempted to get a line of credit for XXXX of my businesses and was turned down with my bank, XXXX XXXX Bank XXXX Pennsylvania, because of a poor credit rating. I obtained my credit report and it showed that XXXX XXXX charged off my account in XX/XX/XXXX. 

I sent dispute letters to all XXXX credit reporting agencies and experience we returned back that the company reported information was accurate. XXXX did no further investigation and did not receive any information or my side of the story. The other XXXX reporting agencies never responded. 

I obtained my credit report from Experian and it shows the charge-off of XX/XX/XXXX. I attempted to call XXXX XXXX XXXX to find out information regarding this charge-off and I was told that they do not give out invoices and they will not submit any information regarding why they charged off this vehicle, considering that the vehicle was completely paid as per the terms.I contacted XXXX Motors this week and received a letter regarding this account and was advised that I owe {$2600.00}. XXXX XXXX XXXX financial would not give me a detailed itemized list of these charges. This vehicle was in perfect condition when I turned this vehicle into XXXX XXXX XXXX. In addition there was no litigation ever filed against me from XXXX XXXX financial for the {$2600.00}. 

The XXXX credit bureaus did not do their due diligence to actually truly investigate this claim made by XXXX XXXX financial. At no time was I given the opportunity to explain my side to the credit bureaus.

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 2022-03-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter to TransUnion, XXXX and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person. 

Attached is my original copy of my dispute with them! 
Please attached files.

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