vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 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: CORELOGIC INC
State: CA

Complaint narrative:
Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXX dated XX/XX/XXXX 2 ) Corelogic Credco dated XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXXXXXX dated XX/XX/XXXX 2 ) XXXX XXXX XXXX dated XX/XX/XXXX 3 ) Credco Corelogic dated XX/XX/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 2022-08-27 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: MI

Complaint narrative:
I opened a credit card with XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the hospital for XXXX and a half weeks. I was unable to make arrangements with XXXXXXXX XXXX XXXX due to my hospitalization.

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 2022-08-27 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: MI

Complaint narrative:
I opened a credit card with XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the hospital for XXXX and a half weeks. I was unable to make arrangements with XXXX XXXXXXXX XXXX due to my hospitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: MI

Complaint narrative:
I opened a credit card with XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the hospital for XXXX and a half weeks. I was unable to make arrangements with XXXXXXXX XXXX XXXX due to my hospitalization.

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 2022-08-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXX dated XX/XX/XXXX 2 ) XXXX dated XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXXXXXX dated XX/XX/XXXX 2 ) Bank of America dated XX/XX/XXXX 3 ) XXXX XXXX dated XX/XX/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 2022-08-27 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
in accordance with the fair credit reporting act XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This company is reporting me to credit burros with out letting me know of the supposed debt I never received notification or authorize any of this charges believe if I knew it was gon na be XXXX dollars I wouldn't allow it second I never authorize for the debt to be sold to them to my knowledge is ilegal

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Companies are put in falsified information on my credit report and it is destroying my credit score also school loans that is on my credit report that does not belong to me I have tried to dispute the several times and also fraudulent items I have disputed on my credit report that dont belong to me also my report is being used on a XXXX webpage that I have no knowledge of I also have disputed that and its still not getting nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted XXXX ) XXXX XXXX dated XX/XX/XXXX XXXX ) XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted XXXX ) Capital One dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXX XXXX ) XXXX XXXX dated XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
in accordance with the fair credit reporting act XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I experienced a technical difficulty with linking my new credit card ( Mastercard ) with my existing Victorias Secret Account. When attempting to link the new card to this account, I was asked for identifying information including the card number and the last XXXX digits of my social security number but received an error after submitting this information. The only data regarding my account that I was ever able to view was a XXXX balance that displayed on my home account screen dashboard. 

Because of the difficulty with linking my new card and accessing my true balance information, I was effectively unable to view or make payments on the account. I now understand, from speaking with a support agent, that there is in fact a separate website login for MasterCards that were issued to members. The agent had to manually provide the new address to me, as this was not clearly explained to me anytime before this point. I find this process complicated and cumbersome and believe that I should not be held liable for system inefficiencies leading to my inability to see or pay my balance. 

I would like to request that an AUD be filed to remove the delinquencies that arose from this technical issue. I had hoped to resolve this issue directly with the vendor, but was instructed to submit my request in writing ; again, a cumbersome process for an issue that was not my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Braviant Holdings, LLC
State: NM

Complaint narrative:
I have never applied for a loan. I never opted in to receiving prescreen offers from this company its affiliates or any other company/agency. I have had a credit freeze in place since prior to 2019. Receiving any solicitation in any form or via any venue was not authorized and needs to stop forever and not restart. I have reported this error to no avail. XXXX XXXX & XXXX. 

It is fraud and a violation of my privacy receiving the solicitation in the first place. It is an egregious error requesting more information to stop sending the unwarranted solicitation. That is completely unacceptable. 

request to stop are documented since 2019. Balance credit has not honored the opt out in any venue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I used XXXX 's services again on XX/XX/2022 and a transaction was canceled and I received an email from XXXX that you will receive a refund within 10 business days, time has passed and the refund has not been made to my bank account, call XXXX support XXXX and they do not give me a solution to my case telling me that the charges were not made and I have proof that the charge was made take a screenshot of my bank account where you see that the funds were withdrawn from my account that is to say there is a abuse of manipulation of funds by the XXXX company giving false information to the client in situations like mine from technical support and XXXX makes misleading advertising by saying that their refunds are given in 10 business days many people like me who use the money transfer system suffering this type of fraud and they suffer this type of abuse from XXXX I hope for a solution since the money I send is money from my work and effort and it is not XXXX This is lost due to inefficiency of an unstable system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
in accordance with the fair credit reporting act XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-27 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: AZ

Complaint narrative:
in accordance with the fair credit reporting act XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: MI

Complaint narrative:
I submitted several dispute alone with police report proving my identity has been compromised. Equifax refuse to remove the compromised information. 
I am attaching the police report and i would like the Bankruptcy that they can not verify XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX And XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
According to 15 USC ( section ) 1666B Goldman Sachs is in violation for billing errors. 

I Am reaching out in regards to information on my Credit report that It is reporting negative information which is affecting me tremendously. I found an article proving Goldman Sachs are wrongfully reporting credit info from CFPB article on Goldman Sachs. Please update my Payment history to 100 % on time. 

Also, I would like to add that In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

Please update my Payment history to 100 % on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received an offer in the mail from Citi Bank. Open an Accelerated Savings Account and receive a Cash Bonus. I responded and opened this Savings Account with a {$32000.00} deposit on XX/XX/22 in order to receive the Cash Bonus of {$300.00}. The money had to remain in the account for 90 days to qualify for the Cash Bonus. As of XX/XX/22, my account has not been credited with the Cash Bonus of {$300.00}. I have contacted Citi Bank Customer Service a number of times, ( all of which I have noted in my file ), and have not received the Cash Bonus or any reasonable answer as to why it hasn't been issued to my account. Supervisors have said they would check into it. I have complied with all of Citi 's requirements for this Cash Bonus but Citi Bank has not. I am exhausted with telephone time on this issue and hope that I can receive help from a consumer advocate source. Please contact me if you need further information in this matter. 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 2022-08-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Specialized Loan Servicing, LLC. is attempting to extort money from me to pay an alleged debt. I have tried privately to get a certified financial statement from their CEO or CFO, however my certified mail addressed to them gets a generic computerized response from a random " employee '' at their office. They use the mail to send threatening letters, claiming they have rights to sell my property if they consider me in default. After I brought my concerns to their attention that there appears to be an error with their claim, they took retaliatory action and transferred the account to another third party debt collector to take further malicious action against me and my property- again claiming they had rights to a foreclosure of my property. These third party debt collectors are conspiring to deprive me of my God-given rights to my property- they prey on consumers who do not have " business knowledge '' by sending documents with deceptive and fraudulent language you are not intended to comprehend, and is intending to be misleading, so they can get you to unknowingly abandon your property. I performed a securitization audit of the alleged account and came across the CUSIP report, detailing the value of the stock investment ( after Specialized Loan Servicing unlawfully sold the account to investors for profit ) and the value being in the millions, there does not appear to be ANY WAY I can be in any type of default or debt to them. They are GROSSLY and unjustly enriching themselves from the consumer 's lack of business sophistication to be able to spot the deceit in their documents and contracts. This corporation has already been sanctioned by the CFPB for the exact same type of fraud. It does not appear this has discouraged them from continuing to abuse consumers in collecting debts. I insist an investigation be brought unto Specialized Loan Servicing, LLC. and their partners XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. as to their business practices and specifically what policies they have instituted to prevent consumers from fraud and abusive debt collection practices. This corporation along with the other parties need to be stopped before any further harm can be done to myself or potentially millions of other consumers whose accounts these corporations may come into contact with. 
Respectfully and honorably submitted by : XXXX XXXX XXXX, beneficiary, All Rights Reserved

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 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
EVERY TIME I GOTO LOG ON PNC WANTS TO RESET MY PASSWORD BUT IF I GO TO THE WALK UP TELLER THEY DONT COMPLAIN ABOUT PASSWORDS. 
THIS HAPPENS WHETHER I ENTER THE ATM CARD NUMBER OR THE COMPLETE BAK ACCCOUNT NUMBER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I received an invoice for XX/XX/2020 for XXXX XXXX XXXX XXXX for an amount of {$1000.00} & I was in XXXX at the time they said was there. I called and the first thing they asked me was to verify my Social Security number, no greeting asking who I was, just read off the last 4 digits like they had it on file expecting the call. When I asked for the XXXX XXXX XXXX XXXX phone number the number they just said to check on XXXX. I thought that was suspicious because if you guys are partners you should have their number on file. When I called the number was no longer in service, so now Im even more suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My Capital One Quicksilver Credit Card was recently closed. I attempted to have my account reopened via Capital One customer service. This occurred XX/XX/2022 I explained that I am a XXXX XXXX XXXX XXXX and I was recently XXXX, with a XXXX XXXX  During this XXXX   my elderly mother was assisting me with paying bills, rent, and general up keep of my life outside of the XXXX. Unfortunately my elderly parent tried to pay my Capital One Quicksilver Credit Card bill without my permission and returned balances were the effect of my parent doing this. I called Capital One as soon as I realized what had happened explaining everything to them even that I was XXXX   during the time but, they told me nothing could be done. Stating it was my fault even though I was in the XXXX  and am XXXX. I am not sure why they are doing this and it has truly been an added devastation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute to Equifax on XXXX XXXX, 2022 and have not reveiced a response from them. I have provided all documents several times and they are still showing a active dispute. 

It uzzling that they can update new informatin but not disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: CA

Complaint narrative:
I don't know who's computer started the problem, but on XX/XX/XXXX, Both the XXXX and Transunion credit reporting companys decreased my score XXXX points, without any reason. 

My accounts are all in good or excellent standing, I haven't had any new accounts opened or closed, and all my bills are paid on time. 
None of the XXXX reasons apply at all.. 
I called transunion, and they were very helpful, andcstarted a dispute/investigation.. 

Then i called experian to ask about and dispute it, and they told me they can't tell me why it decreased, the computer does it. 

I told them than their computer made a mistake, and they basically started deflecting responsibility, saying I should contact the lenders.. 

The lenders aren't the problem, again, all my accounts are in good standing, and there has been NO NEW ACTIVITY to warrant a XXXX point decrease in my score. 

I'm in the middle of trying to buy a house through the USDA, and this is the type of stuff that could cause my loan to not be approved.. 

PS Your entry box for the last 4 of my social security number, keep saying my entry of XXXX, is empty. 

So you might wan na fix that, and the last XXXX of my ss # for identity is 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