vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have been discriminated against under Truth In Lending i have extended my credit to Bank Of America as the original creditor and consumer and hopes to receive a credit limit increase to 15,000 and was given a Adverse Action letter in response denying me credit. This is in fact a federal violation under 15 U.S. Code 1681m - Requirements on users of consumer reports adverse action -- because their is no denial of credit because i AM the original creditor i can not be denied what i extend to be extended back to me. They are in violation under 15 USC 1681n and 15 USC 1681o liable for {$1000.00} in damages no higher per violation. Im willing to settle for the credit limit i originaly extended for. 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 explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kriya Capital, LLC
State: NM

Complaint narrative:
I requested your assistances on a collection company filing a debt. 
That was off my credit report. 
However, the company just found a new collection company to seek the debt. 

Credence Reference XXXX On behalf of XXXX {$1100.00} This company wants me to dispute their offer or settle at {$640.00} I provided the stolen merchandise and reported to XXXX to blacklist the IMEI. 

This debt was cancelled. But continuously resurfaces. 

Please assist me as I've been dealing with this problem for two years. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 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:
I've been writing Equifax for months in an effort to resolve inaccurate information they are reporting on my credit file. It always comes back as " accurate '' or " verified ''. They didn't investigate anything and when asked for the method of verification, they ignored me. My next move is to go to small claims court since Equifax will not follow the law as it pertains to FCRA. As a federally protected consumer, I know my rights and that I can sue them and win {$1000.00} per violation. I send all letters to them through certified mail with return a receipt so I know they received them and have well documented evidence that they have willfully ignored the law and in doing so have violated my rights as a consumer, which has caused me to be denied credit and pay higher interest on my existing loans. Equifax 's business model appears to profit at the expense of others by furnishing inaccurate or unverified information to banks who request consumer credit reports when deciding loan interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate. The bureaus requested me to verify my identity I provided verification and they have not updated 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 explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I have had this loan from XX/XX/XXXX and then refinanced in XX/XX/XXXX. I have been paying {$100.00} as of XXXX of last year ( XXXX ) for 2 years. My interest rate is through the roof at 56 % and I have seen no change in my principal balance. After doing my own research, I learned that most financial institutions have interests rates between 3-36 %. There was one instance ( XX/XX/XXXX ) where I called to start really attacking my loan principal to pay off the loan early, I paid an extra {$50.00} and it did not go to the principal. I then called to talk to a rep and they said they don't know where an extra payment will go because it is computer generated. This is a predatory loan, I have contacted other financial institutions to get this refinanced to pay off so that I can actually pay the loan off and have a guarantee that if I make an extra payment on top of the original loan payment it will go to my principal. At this rate, this loan will never be paid off. From the payments, I have made since the inception of the loan I've already paid it off, the total amount is {$4700.00}. From the contract if I continue to pay, I will have paid triple the amount of the original loan which was {$4300.00}. On XX/XX/XXXX the Attorney General of Virginia sued Net Credit and other companies for predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT.

I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
I had taken out a payday loan with ace cash express and they put a hold on my social security number and I am wondering if they are able to do that and I got a email from them and the loan happened over 7 years ago and other guy that called my brother home phone number was so rude and didn't even leave a number for me to contact him and I don't what else to do. I can be reached by email at XXXX. Thank you for your time and have a good day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Atlantic Union Bankshares, Inc.
State: OR

Complaint narrative:
On approximately XX/XX/2020 I opened a secured VISA credit card with Atlantic Union Bank after sending the Bank {$300.00}. 

I believe there were false charges on my account because the bill increased. The Bank told me that my account was closed but I do not recall receiving a refund check from the collaterialized savings account. I would like for Atlantic Union Bank to mail me a copy of any refund check, if a refund check was mailed to me. Because of the lapse in time I am doubtful that any false charge can be corrected. But I am hopeful that any remaining funds in the secured savings account could be mailed to me. If it is the Bank 's contention that the savings account was applied to outstanding VISA card charges, I would request that the Bank mail me documentation. Account # XXXX ( VISA ). 
Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: FL

Complaint narrative:
During the pandemic I was late on tow payments on my car loan XX/XX/XXXX andXXXX XXXX due to lack of work and income. It is affecting my credit score and my ability to borrow money. I talked many time to XXXX XXXX XXXX loan people who would understand my situation and refused to 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 2022-01-28 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:
I've been writing TransUnion for months in an effort to resolve inaccurate information they are reporting on my credit file. It always comes back as " accurate '' or " verified ''. They didn't investigate anything and when asked for the method of verification, they ignored me. Didn't even bother with updating the dispute status to reflect the accounts being disputed. I'm uploading the letters to prove it. My next move is to go to small claims court since TransUnion will not follow the law as it pertains to FCRA. As a federally protected consumer, I know my rights and that I can sue them and win {$1000.00} per violation. I send all letters to them through certified mail with return a receipt so I know they received them and have well documented evidence that they have willfully ignored the law and in doing so have violated my rights as a consumer, which has caused me to be denied credit and pay higher interest on my existing loans. TransUnion 's business model appears to be to profit at the expense of others by furnishing inaccurate or unverified information to banks who request consumer credit reports. The perfect mechanism in which to charge consumers more interest.

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 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arcadia Holdings, LLC
State: CA

Complaint narrative:
I contacted Arcadia recovery burea to inquire about a debt being reported. After providing information several ways, date of birth, social and name no account was found yet its being reported. Call was made on XX/XX/22 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: TX

Complaint narrative:
Equifax is allowing XXXX XXXX to report false information on my report. - Questionable account number. Creditor has not provided to their company any proof or documentation of debt being valid/created by our client. Creditor is adding interests on a closed and charged off account per their records for more than 24 consecutive months at minimum. Account history is inaccurate and skipped month or reporting in XXXX of 2016 going from late 30 days to charge off status. This is unverifiable. This account is not Metro 2 compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: TX

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error :

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 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: WI

Complaint narrative:
On XX/XX/21 I sent XXXXTransunion a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responed with a letter included with my credit report stating it was " verified '' through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXXXXXX could not verify this item so they deleted it from their database. 

I then went back to XXXX/Transunion on XX/XX/21 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this unverified item which is imploding on my ability to purchase a home and causing me to pay thousands more in intrest every year. 

This item needs to be deleted from my credit report if itcan not be verified within 30 days.

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 2022-01-28 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: MI

Complaint narrative:
( XXXX ) XXXX  XXXX bankruptcy dated XX/XX/2019 and XX/XX/2019 are reporting on my credit report and should not. I asked the bankruptcy court to withdraw these after speaking with an attorney. This credit bureau has neglected to properly investigate these items and refuse to remove these inaccurate public records that is tarnishing my credit report. I am including information that shows these public records were terminated/vacated AFTER being dismissed, therefore should not be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
( XXXX ) XXXX  XXXX bankruptcy dated XX/XX/2019 and XX/XX/2019 are reporting on my credit report and should not. I asked the bankruptcy court to withdraw these after speaking with an attorney. This credit bureau has neglected to properly investigate these items and refuse to remove these inaccurate public records that is tarnishing my credit report. I am including information that shows these public records were terminated/vacated AFTER being dismissed, therefore should not be reporting on my credit 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 2022-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
My balance was {$2200.00} and I made payments totaling {$1500.00} prior to my due date of XX/XX/XXXX. The payment amounts and dates are as follows ; XX/XX/XXXX {$100.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$700.00} XX/XX/XXXX {$15.00} However I was charged interest on a balance of {$1800.00} when I shouldve only be charged interest on a balance of {$700.00}.

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 2022-01-28 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:
I found inaccurate fraudulently information on my credit report. A hard inquiry at that from XXXX XXXX XXXX XXXX dated XX/XX/2022. I contacted this company transunion about it. Spoke with several agents who denied of inquiry being fraudulent or unauthorized. Stating its a statement of fact. Which is clearly untrue when they're consumers daily getting their information hacked and fraudulently used. I have also contacted XXXX XXXX of this. And stated my frustration. i was also told to send my information such as ss number, date of birth, name, phone number through the mail in order for transunion to dispute it which i declined. Why would i send my personal information VIA MAIL TO ANYONE. i dont even trust the employees who work for the credit bureau because they could be frauds..and secondly, i know every company has a fax so why is mail the only option in order for them to help.

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 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/22 - Venmo request to upload ID, along with Bank Statement. 
XX/XX/22 - Email from Venmo ( Below ) XXXX XXXX, Thank you for contacting us. 

Your account has been frozen because we need to verify that you are the owner of this account. To help us with this verification, please use our Document Upload Form, linked below, to send in the following : A picture ( not a photocopy ) of your unexpired US government-issued photo ID that shows your legal name ( we can accept your driver 's license, state ID card, passport, or green card ) A recent monthly statement for the CARD ending in XXXX. 

You can find our Document Upload Form here : https : //help.venmo.com/hc/en-us/requests/new? XXXX & XXXX & XXXX ( If you have trouble following this link, try copying it and pasting it into your browser. ) We need to see your ID in full, but feel free to cover any sensitive information on your other documents before you send them to us. We only need to see the last four digits of the account number, the date, and your full name.

If you do not have a statement for your debit card, the bank statement is plenty. Simply leave the last 4 digits of your debit card number visible in the transaction section of the statement. 

For your privacy and security, please do not reply back to this email with your documents. Once you submit your information through the above link, we will review your case and reply with more information regarding your account. 

We appreciate your cooperation and look forward to hearing back from you. 

Regards, Account XXXX XX/XX/22 - Uploaded ID, along with Bank Statement. 

XX/XX/22 - Venmo account frozen, permanently deactivated, {$2000.00} in funds frozen for 180 days. 

XX/XX/22 - Emails sent demanding funds immediately released to bank account. 

Hi XXXX, Thank you for sending us your ID! My name is XXXX, I'm an Account Specialist here at Venmo and your case has been escalated to me. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 
Best, XXXX XXXX XXXX Venmo

Company response to consumer: Closed with explanation