vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
I XXXX XXXX received a notice of an attempt to collect an alleged debt from Sunrise Credit Services , Inc. Sunrise Credit Services has not provided adequate documentation for me to validate my obligation to the alleged pursuant to 15 USC 1692g.

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 2022-02-18 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: KEYCORP
State: OR

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX in the morning I schedule an appointment with an employee at KeyBank located in XXXX Oregon. 

I recently was a preapproved on a credit card for an auto loan and went into inquire about seeking preapproval on a loan through KeyBank. 

I explain this to the representative who is transferred over to the manager. 

I specifically asked for preapproval in which they instructed me to sign a piece of paper for this preapproval. 

After the appointment I was contacted on Friday, XX/XX/XXXX to be told that they were still reviewing my options. 

Upon this I received word on Monday that they werent going to approve any preapprovals. 

Shortly after that I was given a notification through my Phone app that this particular bank did a hard check on my credit without my authorization which will now be on my credit report for two years. 

I went to the bank to report this and they told me that the only thing I could do is send a new complaint to you. 

In addition they were not willing to do anything else. 

I wish to protest this particular inquiry and have it removed off my record. 


Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: MD

Complaint narrative:
I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. I sent a Debt Validation -609 letter to bureaus dated XX/XX/2022 for the inaccurate items listed under my account which is giving a negative impact on my credit report. I also mailed the Method of Verification -MOV Letter for ff up verification. 
It's more than 30 days and I haven't received any response from my previous letters. I believe it is my right that these derogatory accounts should be deleted due to inaccurate information reported under my account.

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 2022-02-18 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:
I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. I sent a Debt Validation -609 letter to bureaus dated XX/XX/2022 for the inaccurate items listed under my account which is giving a negative impact on my credit report. I also mailed the Method of Verification -MOV Letter for ff up verification. 
It's more than 30 days and I haven't received any response from my previous letters. I believe it is my right that these derogatory accounts should be deleted due to inaccurate information reported under my account.

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously submitted this information to XXXX and Equifax asking them to provide me with proper documentation on how they verified a Bankruptcy showing on my consumer report. They only provided me with the results stating they verified it with XXXX. Well, I have proof that XXXX can't verify this because none exist because it was not mine and was removed from their system. As of XX/XX/2021, there is no Bankruptcy on my XXXX XXXX report and to continue to say they have verified with them is falsifying information and is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: DE

Complaint narrative:
I have been disputing this debt for a few years I never did any types of business with the original creditor I have requested more information which I have never received

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 2022-02-18 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: SC

Complaint narrative:
I've mailed Debt Validation -609 Letters to XXXX, Experian, and XXXX dated XX/XX/2022. I also sent Method of Verification Letters regarding the negative items reported in my account. No one has responded for more than 30 days. I disputed it for lack of accuracy for the negative items added to my account

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 2022-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I get a loan since XX/XX/XXXX with of amount of {$2800.00}, I already make XXXX payments of XXXX and I still owe them {$2000.00}. 
I spoke with some one on XXXX, this person tell me that they charge the first year the interest ahead because after a year make making payment of XXXX every XXXX weeks the balance still remaining the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX... I received a letter from Medical Revenue Services AGREED that they are comfortable violating ALL FEDERAL LAWS ( see exhibit B ) On XX/XX/XXXX, Medical Revenue Services ( see exhibit A and C ) states that they sent a letter to the credit reporting agencies to remove the accounts listed that were on my consumer report which was a direct violation of the FDCPA and FCRA. This complaint was to be corrected no later than 30 days. In the letter dated on XX/XX/XXXX, Medical Revenue stated they received my dispute however they willfully and knowingly desire to ignore it and continued to request a payment for the amount of the alleged debt. The exhibit ( B ) show that they had intentions to violate the law and commit a crime because the accounts were still in their database as of XX/XX/XXXX and that they did not send a deletion to the consumer reporting agencies for it to be removed. Under federal law 15 usc 1611 ( XXXX ) ( XXXX ) ( XXXX XXXX Medical Revenue Services are in violation and will be sent an invoice and letter demanding that the inconsistencies in their own paperwork shows they are committing a crime and therefore shall be fined for the false and misleading documentation that they sent through the mail. They have damaged me in the amount of {$6500.00} because this is negatively reporting on my consumer report for over 6 months. When I run my report, it shows a collection which is not true. Medical Revenue Services will be reported to the FTC, XXXX and XXXX for their willful intentions to have the consumer suffer from false and misleading data they continue to send to consumer reporting agencies that this alleged debt is valid and to continue negatively reporting it.

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 2022-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: AZ

Complaint narrative:
XXXX had a promotion to open an AXOS XXXX XXXX XXXX account with {$250.00} or more in initial funding and receive a {$75.00} bonus. 

XX/XX/XXXX : I opened and funded the AXOS XXXX account with {$250.00}. Per the XXXX terms, the {$75.00} bonus would post in 30 days. 

XX/XX/XXXX : 30 days have passed and no bonus has posted. 

XX/XX/XXXX : The {$75.00} bonus still had not posted so I contacted XXXX support. From XX/XX/XXXX to XX/XX/XXXX I have had constant back and forth email messaging with XXXX support with them not paying out the bonus, despite me showing them a screenshot of my AXOS XXXX account being opened on XX/XX/XXXX and funding it with at least {$250.00}. XXXX continuously informs me they are waiting for AXOS to confirm that I opened the account. 

XX/XX/XXXX : I messaged AXOS customer support asking them to verify with XXXX that I did in fact open the Savings account. 

XX/XX/XXXX : AXOS responds informing me that the promotion was not being offered by them and to contact XXXX. 

XX/XX/XXXX : I am now filing this CFPB complaint to see if I can reach a resolution with Slickdeals where they pay the {$75.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I have been using a mobile payment service known as cash app. Monday XX/XX/2022 I was charged {$690.00} at a XXXX in XXXX I have never been to while still in possesion of my cash app debit card I cancelled the card and ordered another one thinking the card was compromised and was charged {$690.00} Wednesday XX/XX/2022 at XXXX am at a XXXX  in XXXX on the new card as well bringing my account negative while the card was in route and unactivated. I have disputed the cases but have yet to see my funds returned. I've come to the conclusion through my own research and personal experience that cash app has had a major data breach and is not disclosing this information to their customers. I and several others have posted on their XXXX about getting unauthorized charges from XXXX usually out of state and consisting of several hundred dollars on the cash app card, I have seen complaints on this issue going back 6 months or more. The charges are never authorized by the owner of the cash app account and the cards or data have not been compromised on our end to our knowledge. Further evidence that supports this is a breach within cash apps systems is that upon canceling the old cards and ordering new ones before receiving the new cards and activating them there are new unauthorized charges that occur on new cards. I beleive cash app should reimburse victims, make the security breach known and improve their security especially before trying to do taxes and leaving countless users open to scammers with no protections. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Please accept this letter as a formal complaint against. JPMorgan Chase Bank. On XX/XX/2021 while making a wire transfer, we inadvertently put the account number in the space for the routing number and the routing number in the space the account number. Since that time I have exhaustedly tried to resolve the issue with Chase Bank to no avail. I then contacted the executive team which was no better and, in some cases, worse. 

I then sent XXXX XXXX XXXX and Chief Executive Officer a detailed email of the goings on, only to receive a call from a female from Chase, phone number XXXX indicating that we may never get the {$20000.00} back. As you can XXXX, that set off all types of anxiety, anger, frustration and a feeling of helplessness. 

I was not aware of where the money had gone, but somehow found the recipient bank. I spoke with a very knowledgeable person there ( whos name I have ) that said, all that needed to be done was to have Chase give me a recall form Wire remittance form have it submitted, and the funds would be returned. He certainly indicated that this was a normal course of action and was perplexed as to why it had not been done already. 

I take umbridge at having {$20000.00} dollars held hostage and none of the Chase representatives, XXXX, XXXX, XXXX, XXXX, XXXX or XXXX XXXX recommended or suggested that I complete the form to have my funds returned. This leads me to believe that this was purposely done a caused me to loose credibility with my customers. 

The remuneration I suggest is that they double my money back and send a letter of apology. Secondly train their EXECUTIVE TEAM on sensitivity and sensibility. 

Respectfully, XXXX XXXX XXXX Federal Deposit Insurance Corporation ( FDIC ) Federal Reserve Board ( FRB ) Conference of State Bank Supervisors ( CSBS )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The issue is regarding American Express case # XXXX, XXXX, XXXX. American Express rebilled my account for without my consent more than 2 billing cycles after dispute notice was reported to American Express. Disputes were reported XX/XX/XXXX. XXXX closed XX/XX/XXXX, then we had 2 additional statements closed, XX/XX/XXXX, and XX/XX/XXXX. Amex can not suddenly come On XX/XX/XXXX to reapply these charge after such an extended time exceeding 2 billing cycles without my express authorization. Furthermore, the rebilling was without any valid basis but pure corruption on the part of AmEx by some very bay players within American Express. See attached documents confirming the date if dispute and credit. All of a sudden, long after the 2nd billing cycle has ended, American express sent me notice informing me they will be rebilling my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Have fraudulent/ unauthorized inquiries on my credit report from this company : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. XXXX XXXX, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a dispute with Experian, XXXX, and XXXX about inaccurate reported late payments, I uploaded a XXXX bank statements to validate my dispute, yet no action was taken on my behalf.

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 2022-02-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2022-02-18 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: ENOVA INTERNATIONAL, INC.
State: WY

Complaint narrative:
Somebody used my social security and personal information to apply for credit. Netcredit did a hard credit inquiry at XXXX. The search showed up on XXXX XXXX and I call them and stopped the credit from being issued. Since then I have tried to get the account cancelled and have tried to get the inquiry removed from my credit report. I have done everything they asked including getting a police report. They have refused to cancel the fraudulent account and have refused remove the inquiry from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I filed a dispute with XXXX, Transunion, and XXXX about inaccurate reported late payments, I uploaded a two bank statements to validate my dispute, yet no action was taken on my behalf.

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 2022-02-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I filed a dispute with XXXX, XXXX, and Equifax about inaccurate reported late payments, I uploaded a two bank statements to validate my dispute, yet no action was taken on my behalf.

Company response to consumer: Closed with explanation