vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has blocked me from obtaining my credit report online. I am unable to get it through the annualfreedreditreport link or sign in to my Experian membership. I have called and told by an agent it is due to multiple accounts with different emails. This is a LIE. I never had a problem signing on to my membership portal until I began filing more disputes against Experian. Everyone knows Corporations retaliate against consumers congress even had a few hearings concerning this criminal behavior. Experian is Retaliating against me again, I have provided a ton of information to confirm this, Now they have completely blocked me from obtaining my credit report online. My computer saves my username and password, therefore I can not log in with incorrect information. All I know is on XX/XX/XXXX I was suddenly unable to log into me Experian membership portal after logging in almost daily for 3 years. Strange huh?

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 2022-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
To Whom it may Concern, This must be unfair, deceptive and fraudulent practices by Rushmoore Loan Management Services and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  We Received a letter from the attorneys office XXXX, XXXX and XXXX XXXX. Notice of intent to for close dated XX/XX/XXXX and sell at auction XXXX XXXX. 
We are beside ourselves with fear. PLEASE HELP US SAVE OUR HOME of 16 Years! 
In XX/XX/XXXX XXXX incorrectly denied us a covid relief for our mortgage. 
In XX/XX/XXXX XXXX incorrectly denied us for a covid forbearance AGAIN In XX/XX/XXXX We appealed the decision with a resolution. We were STILL denied assistance. 
In XX/XX/XXXX XXXX pushed us off and sold our mortgage to Rushmoore Loan Management Services. 
XXXX informed us our payments would stay the same. 
Our First Loan Payment of {$1800.00} was due in XX/XX/XXXX ( no penalty 's or late fees for 60 days. Well that never happened, completely lied to and deceived. 
We sent our first payment XX/XX/XXXX for {$2000.00} dollars ( more than the minimum ) We sent the second payment on XX/XX/XXXX for {$2100.00} dollars ( more than the minimum again ) Neither checks were applied and the checks were returned with a letter stating they want {$56000.00} dollars. 
Neither Company offered us covid help. We were both out of work for long periods of time. 
My girlfriend had to quit her job to stay home with our then XXXX old daughter to home school for XXXX straight years as our schools were closed. 
COVID destroyed our Family. WE LOST SO MANY ... AS WELL AS LOSING OUR LIVELIHOOD. 
We absolutely should have been given the opportunity to pay when we could.They were both absolutely no help at all. They always rejected a payment. 
Our XXXX percent interest and all the penalties and late fees are just over the top. 
We struggled to keep food on the table and heat in the winter. The stress was unbearable at times. 
We have gone through Mortgage company after company. 
XXXX XXXX was our first Mortgage company- XXXX XXXX was our second ( oddly never mentioned in the letter from the attorneys, we paid mortgage payments to them for years ) All the other companies are mentioned. 
- XXXX XXXX XXXX XXXX ( XXXX ) was our third - Rushmoore Loan Management Services is our fourth. 
My Girlfriend is signed to communicate with both companies and has kept every letter, and application process from both companies. 
PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I discovered that Trans Union have added creditor XXXX XXXX to my consumer report that I have no credit with on XX/XX/2022. I extended my credit to XXXX. As a federally protected consumer the CFPB 3.1.1 Furnisher Incentives and Disincentives Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. Trans Union did not notify me that this item would be added to my consumer reporting. This item is already in dispute so no reporting should be reported. As a consumer report you suppose to report accurate information. Trans Union has failed to provide that correct information. XXXX is not the original creditor of this alleged debt.

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 2022-10-25 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: NJ

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15USC 1681.Equifax is XXXX by 15USC 1681and they have violated my rights numerous times! I demand that the accounts listed below be removed because according to 15USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. Also accordind to 15USC 1666a ( 2 ) of this title and such amount may not be reported as delinquent to any third party until the creditor has met the required of section 1666 of this chapter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit System has been reporting an old debt and has completely false dates about when I was living at the complex for the lease agreement. I do not know if National Credit Systems is the one providing false dates or if they purchased it with false dates. I have not lived or paid anything to the management company in over 7 1/2 years. I called them and spoke with a nice representative telling me I need to file a police report about it. I have asked for these documents that supposedly say I lived there in XXXX, which is impossible as I was under a different lease agreement at the time in XXXX XXXX. I have yet to receive these documents via email as requested. When I do receive them I will investigate further. Am I actually required to file a police report for false aging of a debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX and XXXX were fraud accounts opened directly after a bankruptcy with my ID. they received my FTC ID theft reports and failed to remove and are damaging my credit. I have requested both Equifax and XXXX to provide PROOF of verification, not just computer checks and they failed to provide proof. Both of these accounts are damaging my credit and calling and speaking with them is useless. XXXX received my complaint and failed to file arbitration as requested and stated they are not required, however per the contract they sent, arbitration is indeed listed. XXXX refused to take my call and rejected all attempts of letters and proof of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called over XXXX weeks ago to let Capitol One Auto know that I am out on medical leave XXXX, and I filed socials security XXXX. Was given option of a XXXX mos pay half of what the normal monthly bill is. I had stipulations- one was to make a partial payment that day and other was to wait for paperwork to be e-mailed to be for this and sign and return. I did make the payment, called 3 times asking for when e-mail was being sent afterwards. Was told to " give it few days each time I called in. XX/XX/22 I called and was told something completely different. And that they " could no longer do this ''. I was not informed by e-mail, mail, phone call nothing. I want them to do what they said they would do. I am super sick of Capitol One Auto having me speaking with people overseas call center XXXX who clearly do not understand and give out wrong information, so they took a payment and never sent me the paperwork to sign and return and are trying to go back on that offer now. So, I fulfilled my part and even followed up 3 times asking where the contract was at as I never got it via e-mail. These companies need to be help up to standards here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: NH

Complaint narrative:
Information regarding Delinquent account with XXXX XXXX, which I have no knowledge of, is on my Credit Reports at all three agencies. I have filed disputes with XXXX, Equifax and XXXX, but the information remains. I have contacted XXXX XXXX on XX/XX/2022 and spoke with XXXX. XXXX attempted to look up information using my identifiers ( Name, SSN, DOB ). She was unable to find any account under my name. I am requesting that this information be removed from my credit file and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: NH

Complaint narrative:
Information regarding Delinquent account with XXXX XXXX, which I have no knowledge of, is on my Credit Reports at all three agencies. I have filed disputes with Experian, XXXX and XXXX, but the information remains. I have contacted XXXX XXXX on XX/XX/2022 and spoke with XXXX. XXXX attempted to look up information using my identifiers ( Name, SSN, DOB ). She was unable to find any account under my name. I am requesting that this information be removed from my credit file and have been unsuccessful.

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 2022-10-25 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: MO

Complaint narrative:
XXXX and XXXX were fraud accounts opened directly after a bankruptcy with my ID. they received my FTC ID theft reports and failed to remove and are damaging my credit. I have requested both XXXX and Transunion to provide PROOF of verification, not just computer checks and they failed to provide proof. Both of these accounts are damaging my credit and calling and speaking with them is useless. XXXX received my complaint and failed to file arbitration as requested and stated they are not required, however per the contract they sent, arbitration is indeed listed. XXXX refused to take my call and rejected all attempts of letters and proof of ID theft.

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 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2022, I submitted a payment to Comenity bank on my BJs MasterCard to pay my outstanding credit card bill in full -- as I do every month. Comenity lost this payment in their system and was unable to correct their error until XX/XX/2022 ( yes, that's 98 days later ), despite dozens of phone calls and documentary proof of my payment submitted by me. Throughout this ordeal, I continued to make payments in full each month to cover all of my purchases from the previous billing cycle. I asked Comenity to hold off on applying any late fees or finance charges to my account while they searched for my lost payment. Comenity refused. Instead, Comenity applied the following charges : XXXX, {$30.00} late fee and {$39.00} finance charge ; XXXX, {$47.00} finance charge ; XXXX, {$43.00} finance charge ; and XXXX, {$30.00} finance charge. This is a total of {$190.00} in improper and baseless charges. After finally locating my payment, Comenity refunded only {$53.00} to my account : the {$30.00} late fee ; a {$22.00} finance charge refund backdated to XX/XX/XXXX ; and a {$0.00} finance charge refund backdated to XX/XX/XXXX. Comenity still owes me a refund of {$130.00} in improper fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I was lured into a scam by a company that was impersonating an exchanged could have been impersonating a company call XXXX XXXX. they guaranteed me a 40 % return on my investment. they have the same logo as XXXX XXXX, they took my money and then took the exchange down. this all happened during XXXX and XXXX of 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 2022-10-25 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: NJ

Complaint narrative:
I have my latest credit report dated XX/XX/XXXX and the items I disputed remain on my report. I sent letters to all 3 Credit Bureaus TransUnion, XXXX and XXXX in XX/XX/XXXX with detailed request of accounts on my credit report that required investigation. XXXX removed some accounts, XXXX and Transunion did not remove any accounts. I am requesting help from this platform to understand why I did not receive any correspondence. Thanks in advance for your help with this.

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 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: AZ

Complaint narrative:
So i reported to them and sent them screenshots of my messsages trying tonresolve charges where i was basically buying one thing and i either never received it or if i did receive it it wsd buy in no means what i ordered. They refunded 2 charges but not the main ones. I asked for there reasoning theyve failed to send me report number and any details about disputes.. as you can see from attached files i ordered items from an online auction which i either never received the items and if i did it wasnt what i ordered. So i was either charge as the website said a glitch in the auction cause as you can see. The sellers blamed it on the lag but didnt fix the issie that i was out money. Cash app didnt care. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. 
They didnt even ask me what happened. They did nothing except deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: TX

Complaint narrative:
On XX/XX/XXXX XXXX certified mailed a packet To dispute items that were fraudulent on my credit report to Trans Union, XXXX, and XXXX all these companies have failed to protect my consumer rights they did not thoroughly investigate, nor did they send any proof they continuously report fraudulent information on my personal credit report according to section 605B of the fair credit report, any consumer that identifies fraudulent information must have that information blocks from appearing on their personal credit report within four business days TRANSUION IS REPORTING FRAUDULENT OPEN ACCOUNT BELOW DREAMSPRING AND FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE REPORTING FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX And all Fraudulent inquiries XXXX is Reporting fraudulent accounts XXXX And open loans

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 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2022, I discovered that a check I wrote to the IRS for {$17000.00} for estimated taxes in XXXX had been stolen, washed, forged and cashed by my bank PNC. I immediately filed a police report with the XXXX XXXX Police Department and a fraud charge and affidavit with PNC bank. To date, I have heard nothing from PNC or the police regarding the status of my claim. The check is clearly forged and anyone who looks at it can tell that it was originally made out to the IRS and someone whited it out and wrote their name to cash it. I have called PNC three times to check on the status of their investigation and have not received any written response. I was able to speak to one person, but got a noncomittal " It's under review. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am, XXXX XXXX, submitting this complaint against Equifax Information Services, LLC and there is no third party involved. As of Today, XX/XX/XXXX at XXXX XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXXXXXX Delete and purge all Hard inquiries. 

You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: RI

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Need to be reflected as paid in full and deleted from my account. Company aggred to refelct paid in full no late payments and deleted from account.

Company response to consumer: Closed with explanation