vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
Trying to take over loan my son was named XXXX on his mother estate but has a XXXXXXXX XXXX XXXX XXXX just wanted to take over loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
with all do respect I don't agree with that. 

I, as a consumer per law am not supposed to be denied for any credit. 
I was denied by you all every year even when my credit was higher, so this is discrimination and I refused to be discriminated against anymore. 

So I appreciate your input but I will be contacting the credit bureaus and the higher authorities to get this resolved. 

So right now you unless you all approve me for a loan that I ( legally am obiligated too ), you all are gon na get investigated by the government, XXXX XXXX XXXX and the attorney general. You all aren't the only creditors im coming after Thank you! 

Please forward this to corporate XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: DISCOVER BANK
State: NJ

Complaint narrative:
My own mother ruined my credit when I was younger she would always make me get on the phone and tell companies I agree and I never knew what it was for until later in life when I tried doing this with credit and was denied and I checked and saw so many debts left unpaid from companies she would frequently purchase from, she denied and then eventually told the truth but in true narcissistic fashion she blamed me saying it was my fault because as a child I asked for things that were expensive so instead of saying no she committed fraud using my name and ruined my credit with no intention of ever paying it back or fixing it, I was finally able to move away and when I did I realized just how bad it actually was I am denied from everything and struggling with my own child because I have this large debt that was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am currently having financial difficulties. I received a threatening letter from a XXXX XXXX. Saying they will send this account to an attorney to file a lawsuit against me. I don't appreciate being threatened. If I had the money I would pay it off. I have never been threatened like that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX CA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello My name Is XXXX XXXX XXXX, I am getting a bit frustrated with how I am being handled, For months I have been hounded and harassed and threatened on multiple occasions by XXXX. I let them know as well as Equifax, XXXX and XXXX but nothing was done about this situation, I know nothing of this debt but yet it still remains on my consumer report and I am still being harassed, This matter is enabling me from feeding my children as well as to move forward with my endeavors in business. If this continues to go on I will get my Lawyer Involved. I will need a response from you all within 15 days, If I do not here back I will not only contact my lawyer, In essence I will contact the XXXX, Attorney General and the Ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Financial never mailed a bill to me. They said they emailed but that was put in our company spam filter. I did speak to the company in XX/XX/2022, they waived all late fees and canceled the card per my request. They did correct my credit report but the next week reversed the correction. This is all about a {$24.00} shower curtain! 
My credit core has been consistently over XXXX for over 10 years, now it is in the mid XXXX all do to this. I have had my credit reports locked down for over 7 years and since i had a card with Synchrony they kept inquiring about my credit further damaging my score. 


Please help! 


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 monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
i have in my history credict hard inquires from capital one i call them and they take my information and see one credit card that is all ready close and payoff not due but in my history credict i still have this hard inquires from XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I purchased a XXXX Washer and Dryer from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They sold Washer and Dryers that were either stolen or have a recall on them and did not disclose that information. Acima does business with this company. XXXX has a recall on their washer and dryers, he told me the washer and dryers were new, but they were not. when i got them, the serial numbers were scratched off of them so I could not provide XXXX with the information to have them come pick up the washer and dryer to fix the element that was wrong with it, when i called ACIMA they said there was nothing they could do after emailing them twice, they lied and stated that my number was not on file and everyone there was extremely rude and not helpful the resolution department is horrible and unhelpful. I need this washer and dryer out of my home before it burns the house down. the dryer also throws off my breaker anytime i ran it in the past making both the washer and dryer useless. Also, the guy made me pay {$60.00} for delivery and pay him {$100.00} upfront, this was a criminal event all around and I had no idea, i only wanted a washer and dryer because the last one broken down, Acima is a terrible company and I've done business with them in the past and had no issues. Also, I did not see the washer and dryer until they brough it to my home, I had no idea it had write stickers on it or the serial numbers were scratched off. Also, the guy has me lie to Acima and tell them that it was delivered the same day, but ti was not delivered until the following day at the end of the day the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have two Capital One credit cards, at issue is my XXXX XXXX card. 
I have used this card with XXXX to purchase goods and services, also make a charitable donation as follows : XX/XX/XXXX {$240.00} services XX/XX/XXXX {$160.00} services XX/XX/XXXX {$50.00} refund for a computer purchase sent to client XX/XX/XXXX {$100.00} charitable donation to XXXX XXXX XXXX XXXX, an organization that supports families of fallen police officers. 
CapOne NEVER disclosed that XXXX transactions were considered cash advance, and in addition to the 29+ % interest they charge on my balance, CapOne also charges more than 29 % interest on the cash advances. 
I contacted CapOne by phone on XX/XX/XXXX. This is when I first learned that XXXX was considered a cash advance ( even though it's not ) and was told that cash advances can not be paid off separately. Furthermore, I was told CapOne will continue to charge 29 % on the card balance plus an additional +29 % on the cash advances until the ENTIRE CARD Balance is paid off. 
By virtue of their failure to disclose this predatory lending scam, their failure to disclose XXXX was considered a cash advance, their failure to disclose that the actual interest rate is MUCH HIGHER than the already crazy 29 % CapOne is knowingly taking advantage of their customers many of whom are not able to pay off these gigantic balances that mysteriously grow every month even though customers are religiously making payments to knock down the balance. I am unable to log in to CapOne to obtain a copy of my most recent statement, as they have locked my sign in credentials for some unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: MA

Complaint narrative:
On XX/XX/2022, on my Macys card, I purchased a mens perfume for {$120.00}, plus {$10.00} destination shipping for a total cost of {$130.00}. I was emailed a order confirmation and tracking information. Tracking the package, I noticed that on XX/XX/2022 a mailing label was created but no other details. When the package was not received on the promised delivery date of XX/XX/2022, I called Macys to report the package was not received and pointed out lack of tracking details on the order status. I was told I needed to wait until XX/XX/2022 to file a report but customer service representative agreed about the lack of tracking details and said she will be it to the attention of someone. 
On XX/XX/2022, I received another confirmation of purchase of the same item and it was received by the party around the XX/XX/2022. I called Macys on XX/XX/2022, the bill closing period and was told I will have to pay late fees and my credit will be affected while the representatives laughed. When I went to the stores to attempt to resolve the matter, I was told to call the same customer service number. The total is now over {$400.00} and my XXXX XXXX is destroyed. 
I would like to resolve this issue, pay Macys the {$130.00} for the items purchased and have the negatives on my credit removed. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
with all do respect I don't agree with that. 

I, as a consumer per law am not supposed to be denied for any credit. 
I was denied by you all every year even when my credit was higher, so this is discrimination and I refused to be discriminated against anymore. 

So I appreciate your input but I will be contacting the credit bureaus and the higher authorities to get this resolved. 

So right now you unless you all approve me for a loan that I ( legally am obligated too ), you all are gon na get investigated by the government, XXXX XXXX XXXX and the XXXX XXXX. You all aren't the only creditors im coming after Thank you! 

Please forward this to corporate 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 explanation
Consumer complaint received 2023-01-10 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: FL

Complaint narrative:
they are refusing to take off fraudulent accounts from my file even though i sent a 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 explanation
Consumer complaint received 2023-01-10 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: National Credit Systems,Inc.
State: MI

Complaint narrative:
UNDER 15 USC 1681i ( 7 ) Method of verification this account is in viloation it was reported without valid evidence Under 15 US CODE 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation any credit transactions supposed to be excluded from a consumer credit report if a social security card was used in transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: CA

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX CA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: MI

Complaint narrative:
TrueAccord has injured me personally infringed upon my privacy and violated my federally protected rights as a Consumer a Natural person flesh in blood these crooks bought an alleged debt from XXXX and then sent me letters stating I owe them the alleged debt furnishing false and deceptive forms that would make me the consumer think that I owe such alleged debt this is a violation of the Fair Debt Collection Practices Act and this is identity theft I intent to invoke my specified remedy which is the payment for all damages sustained which would be each violation of the FDCPA I have clear proof I've disputed the debt and it has not come back to me validated True Accord has violated the following laws in the FDCPA 1. 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

2.15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 3. 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 4.15 USC1692e ( 2 ) false representation the character, amount, or legal status of any debt ; 15 USC 1692k-Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I will be sending a invoice invoking mu specified remedy to try to resolve this matter out side of court and I have sent an affidavit of truth and facts incase I have to file suite The fifth maxim in Commercial Law is " AN UNREBUTTED AFFIDAVIT STANDS AS THE TRUTH IN COMMERCE ''. Claims are made. If they go unchallenged, they emerge as the truth in the matter. ( 6 ) And accordingly : " AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGEMENT IN COMMERCE ''. True accord has defaulted and will get the opportunity to cure by paying the invoice before I file suit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc.
State: IL

Complaint narrative:
with all do respect I don't agree with that. 

I, as a consumer per law am not supposed to be denied for any credit. 
I was denied by you all every year even when my credit was higher, so this is discrimination and I refused to be discriminated against anymore. 

So I appreciate your input but I will be contacting the credit bureaus and the higher authorities to get this resolved. 

So right now you unless you all approve me for a loan that I ( legally am obligated too ), you all are gon na get investigated by the government, better business bureaus and the attorney general. You all arent the only creditors i'm coming after Thank you! 

Please forward this to corporate XXXX XXXX XXXX

Company response to consumer: Closed with explanation