vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: Self Financial Inc.
State: NY

Complaint narrative:
My self credit card has been reporting my balance incorrectly and I've paid it off on time each month. I've reached out to self and the credit bureaus and disputed the issue and nothing has been corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I keep seeing this on my credit bureaus and dont know what or who it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received an email offer from Bank of AmericaXXXX for a credit card offering a {$200.00} credit statement and XXXX bonus points after spending {$1000.00} in the first 90 days. I spent over {$3000.00} in the first month. I clicked on the " Apply Now '' button and received the credit card and points. However, Bank of America has steadfastly refused to give me the {$200.00} statement credit. For the past 7 months I have been calling XXXX and Bank of America only to be given a case number each time with no results. I took a copy of the offer and the email to the Bank only to be told " we are not going to honor that offer ''. Can they refuse me the {$200.00} credit statement? Since I am XXXX years old, I believe they think I will just go away and will ignore me. Thank you for your assistance.

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 2022-02-02 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:
XXXX  I already sent few rounds of dispute about them. I believe that someone have my personal information. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information

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 2022-02-02 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:
. I already sent few rounds of dispute about them. I believe that someone have my personal information. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information

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 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
During the week of XX/XX/XXXX a company called CashApp sent me XXXX different " debit '' cards attached to my monetary account with the company. CashApp is only supposed to send you these cards if you ask for them, because they have no customer service phone number I reported these fraudulent cards to the company over XXXX. I have seen complaints of many other customers getting debit cards they didn't ask for, the only way to get customer service about possible financial fraud this company is committing is to say something on XXXX  of their social media platforms. I didn't trust giving information about the fraudulent cards tied to my monetary account out over the internet so I followed a link given to me by the " customer support '' agent over XXXX. The link sent me to a page to report my problem to the CashApp team, so I filed out the information about the fraudulent cards. Then the " customer support '' emailed me with a short list to submit information about the cards and an encrypted file dropbox link to submit the information. I can not type out the information they asked for in the file link they sent me, I asked several time to several different agents how I am supposed to use the link they keep emailing me. I asked if I should type all the information in a Word document and drop the file in the secure link or if I should answer the name and address information they asked for in an email and then submit picture files of the cards to the secure file dropbox link they kept sending me. They never answered my question and now are ignoring me all together, leaving me with XXXX fraudulently opened cards and no way to delete or unlink the cards from my monetary account. I have spent XXXX hours today trying to delete fraudulent cards I never ordered from this company and now they are completely ignoring me, leaving me stuck with XXXX fraud cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I did not expect the interest rate of the loan to be over 70 %. I have probably paid off my loan but because of the very high rate, my principal is barely moving. They did not tell me this when I open the loan or explained to me in clear detail what I was signing up for. Net Credit is charging way over the usury rates. I'm paying over 70 %.

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

Complaint narrative:
According to the FCRA - accounts can only report for seven years and I have two accounts that are beyond the seven-year reporting period. XXXX has removed these accounts ; however, Equifax has not removed the account as I requested in a written dispute over 30 days ago. XXXX XXXX XXXX this account is past the seven-year reporting period based on the date of first delinquency for a charged off account. This account should be deleted based on the law.

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

Complaint narrative:
This vehicle is actually my daughter 's. I originally was only supposed to be a cosigner. The beginning of XXXX I got an alert from my credit monitoring that a late payment was reported. I immediately made contact with XXXX XXXX XXXX XXXX to find out what was going on. They informed me a payment was passed due XXXX days. They informed me I was the primary on the loan but they did not have my contact information. I made all the payments to get the loan back to current. I then asked well if I'm primary why have I not been contacted about the late payment? They had no actual answers and just kept referring me to other departments. These departments have no direct contact for me to explain my case. I've emailed them and was assured they would make steps to correct my problem. They then told me their investigation found that they reported correctly. ( they said this to my disputes with credit bureaus as well ) my problem is how can it be accurate reporting when they aren't willing to admit to the credit bureaus that they some how didn't contact me as the primary loan holder? I have been back and forth with them for going on XXXX months about this and all they keep saying is they won't do a courtesy with draw of the reported late payment. My position is I'm not asking for a courtesy. I'm asking them to correctly identify that they did not contact the primary loan holder when the payment was in danger of being late. I would like to have the late payment with drawn as it was there loss of my information that led to them not contacting me. If I am truly the primary the fact that they spoke to anyone but me was a mistake on their part. The credit bureaus have taken over XXXX points from my score over this and XXXX doesn't care that their mistake is causing me real life issues. I appreciate XXXX getting involved in assisting me with what very well seems like a violation of the fair credit reporting act. I say this because for them not admitting their clerical issue and that they never reported that part to the credit bureaus then they have not reported accurately.

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 2022-02-02 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:
This vehicle is actually my daughter 's. I originally was only supposed to be a cosigner. The beginning of XXXX I got an alert from my credit monitoring that a late payment was reported. I immediately made contact with XXXX XXXX XXXX XXXX to find out what was going on. They informed me a payment was passed due 30 days. They informed me I was the primary on the loan but they did not have my contact information. I made all the payments to get the loan back to current. I then asked well if I'm primary why have I not been contacted about the late payment? They had no actual answers and just kept referring me to other departments. These departments have no direct contact for me to explain my case. I've emailed them and was assured they would make steps to correct my problem. They then told me their investigation found that they reported correctly. ( they said this to my disputes with credit bureaus as well ) my problem is how can it be accurate reporting when they aren't willing to admit to the credit bureaus that they some how didn't contact me as the primary loan holder? I have been back and forth with them for going on XXXX  months about this and all they keep saying is they won't do a courtesy with draw of the reported late payment. My position is I'm not asking for a courtesy. I'm asking them to correctly identify that they did not contact the primary loan holder when the payment was in danger of being late. I would like to have the late payment with drawn as it was there loss of my information that led to them not contacting me. If I am truly the primary the fact that they spoke to anyone but me was a mistake on their part. The credit bureaus have taken over XXXX points from my score over this and XXXX  doesn't care that their mistake is causing me real life issues. I appreciate CFPB getting involved in assisting me with what very well seems like a violation of the fair credit reporting act. I say this because for them not admitting their clerical issue and that they never reported that part to the credit bureaus then they have not reported accurately.

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 2022-02-02 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: PA

Complaint narrative:
Experian credit report is XXXX I have a credit application to XXXX XXXX  XXXX  looked at on XX/XX/2022
It affects my credit score and it was fraud by XXXX or experian. Either one looks bad on my credit report. I have a freeze on my credit report. So I have no idea how it got there. It doesn't matter how it got there it needs to be taken off my experian credit report. Take off the hard inquiry on experian 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 2022-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
i missed 3 payments called to notify the lender CNAC that i was in a accident and iam on leave from my employer they stated is there anyone else you can barrow to make a payment you are 40 days behind i said iam aware of that and you guys are not calling me you are calling and harrassing my references non stop and that is against the law in XXXX when it comes to any type of collection the CNAC STATED to me that if i do not make a payment of XXXX my car will be repossed i stated i informed you guys a while back made you aware of my situation you stated i have exhausted all the assistance you can provide and ask me to make a payment now i asked to refresh me on the contract that i agreed to and stated what help and or assistance CNAC provided my account with i was told that is confidential i did make a payemt of XXXX and made arrangements for the XXXX my payment schedule is XXXX every 2 weeks i did let them know 3 times i am on emergency medical leave due to a car accident and i need to defer these payments to the end of the loan while i heal and get my medical treatment i then was asked cant your employer barrow you the monies i said excuse me no i stated i do not now iam going to recieve a income pending the doctors evualuation and reccommendations i was put on FMLA LEAVE for 3odays pending my follow up now ineed injections and possibly surgery CNAC calls non stop wont assist and harrasses to repo my car

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Initially I froze my credit to avoid the possibility of loans or lines of credit being opened up in my name without my knowledge with all credit companies. Of all XXXX agencies I have only had a problem with experian. 

I have lived at multiple addresses but have my mail and credit sent to my parents house. In order to get rid of a freeze they request certain information that includes my current address, my current address is different than my parents but it is apparent that this is incorrect and so is my parents since I tried both ways. I am now at a point where they want me to send my license, SS card, and another bill with my name on it. Which I dont understand how sending all of my identifying information through a service that is not secure would help them identify who I am. I need to be able to drop the freeze and understand how they identify who I am so that I can provide them the correct information. I tired to do this over the phone but the person on the phone was not allowed to preface the questions. 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 explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT, my complaint is in regards to an adverse action that was taken against me as a consumer by Barclays. I already tried to fix this problem with them. They contacted me XXXX time in regards to this and has not contacted me since even tho I have tried to reach out to the representative who contacted me by the name of XXXX XXXX. THIS WAS BACK IN XXXX! on XX/XX/21was the last time they contacted me in regards to rectifying this situation. 

Recently, I, XXXX XXXX, was denied an extension of credit by BARCLAYS. On XXXX XX/XX/2021I submitted credit card application, I applied for XXXX XXXX XXXX XXXX. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. 

Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Barclays has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002

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 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
Any deposits over {$500.00} are either my pay from XXXX non-recurring money we have borrowed from family to help us get by due to the baby and medical bills. 
You keep asking us for the same documents we have sent and re-sent and re-sent again. 
You ( Cardinal Financial ) told us that if my mom, XXXX XXXX, quit-claimed off of title she didnt have to sign anything or supply any documents, yet you just sent me a letter dated today asking me for all of my moms documents. It was not small task to get her removed from title during a pandemic with a XXXX XXXX ( XXXX hours away, each way ) and you were the ones that told us to do it so she would not have to be involved. 
She does not live with us. She does not pay our mortgage, she co-signed with my now-deceased father to help us buy the house. 
The ONLY source of income is from my job at XXXX. 
I implore you to please review the documents and if you need anything FURTHER than the attached, we will supply it to you in short order. 
We have sent you EVERYTHING YOU HAVE REQUESTED MULTIPLE TIMES. PLEASE ASSIGN SOMEONE NEW TO OUR FILE SO IT MAY BE REVIEWED IN A TIMELY MANNER. 
Thank you, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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:
I have about 16 inquiries thats fraudulent on my report and needs to be removed.Ive contacted the bureaus equifac and transunion they are telling me to contact the lenders and I dont even know these lenders And also I have sent several dispute letter when it comes to the collection accounts thats on my report they all unauthorized as well and needs to be removed 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 2022-02-02 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: RI

Complaint narrative:
i believe the accounts listed are results of wrong doing of your company 's job which caused me Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, 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 2022-02-02 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I just needed 1 credit report from 1 of the companies. 
XX/XX/2022 I tried 6 times getting my free credit report via XXXX as listed on XXXX XXXX XXXX 

The first 4 times I tried doing it online. 
I tried XXXX XXXX. It put my incorrect current address, though I filled out the form correctly. 
And then : " Page not found The page you requested does not exist or can not be found. 
Please return to XXXX and follow the steps on that site to request your free annual credit report. '' I tried Experian twice via webpage too. 
Each time they gave non-relevant security questions where I checked : none of the above. 
The page said ( and there are no typos I'm writing ; the webpage had the typose ) " we have experienced an issue processing your request. We-re sorry, we are unable to process your request at this time. Please contact our Costomer Care Team at XXXX for additional help completing you request. The Costumer Care Team is available between XXXX. '' The second 2 times i tried doing it on the phone XXXX 1st time ( XXXX ), the automated system kept getting my name wrong, and there was no confirmation the computer got it correct, since the software didn't repeat the spelling of my name back to me. 

The 2nd time, a similar thing happened with Experian. 

I hope i get the reports mailed to my address, but there's no confirmation that the info was inputted correctly by the software.

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 2022-02-02 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: NY

Complaint narrative:
My XXXX  credit card has been reporting my balance incorrectly and I've paid it off on time each month. I've reached out to XXXX  and the credit bureaus and disputed the issue and nothing has been corrected

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