vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 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:
I need enforcement because all the investigations is done Ive done all of it now I need enforcement of my rights

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 2023-01-04 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: OneMain Finance Corporation
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX  failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: CA

Complaint narrative:
I filed a complaint and asked that the negative items on my report be removed due to enormous amounts of inaccuracy 's and the fact that upon writing the courts to ask why they would have verified incorrect information about a bankruptcy they told me that thats not possible because they dont ever verify any information and there fore they are getting wrong information from a third party and are not sharing the way it was verified thats whats wrong with using information from a third party and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I keep disputing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report but it'll reappear the next business day. What the XXXX is wrong is Equifax XXXX XXXX XXXX or company to where I have to keep re-disputing the same inaccurate information off my consumer report. I so, close to suing they XXXX for violating the FCRA because no inaccurate information is supposed to reappear on the consumer report. Including they're reporting inaccurate in the first place. Attached is the confirmation for number of disputes for the same item & its more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
To Whom It XXXX Concern, My name is XXXX XXXX XXXX XXXX and I'm a XXXX veteran, my wife and I are on a fixed limited income. I'm writing you to see what legal recourse I have with my current lender XXXX XXXX. I purchased my home located at XXXX XXXX XXXX XXXX XXXX WA XXXX on XX/XX/XXXX. My original mortgage amount was {$2800.00} per month and then I was notified in XX/XX/XXXX that my monthly payments were going to go up to {$3300.00} due to XXXX underwriting had made an error in calculating the property taxes and not having enough money in escrow, therefore my mortgage would be increased. I'm a! 00 % XXXX veteran and do not work, my wife and I are on a fixed income, and we planned the purchase of our home with a specific budget, and we can not afford to pay another {$490.00} extra per month. We were explained in XX/XX/XXXX that this increase would only be for one year and then go back to the original monthly payments, but we are now being told that the increase would be for the life of the loan. I need to understand what legal rights I have regarding this drastic increase due to their mistake. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
self late payment XX/XX/XXXX was not late 30 days info inaccurate capital one XX/XX/XXXX late payment was not full 30 days info inaccurate XX/XX/XXXX self account closed this is not my account was open fraudulent I have filed disputes and complained purchase monitoring services etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/2022, I applied for the XXXX XXXX XXXX XXXX  from American Express website with the welcome bonus ( XXXX points ) they offer, during this process everything goes well and they do not give me any words/notifications that I am not eligible for this offer. But after I spent more than XXXX dollars for the spending requirement and pay in full price for the annual fee ( XXXX dollars ), I still did not receive any welcome bonus in XX/XX/2022, so in XXXX I politely contact American Express and they inform me that I can not receive the welcome bonus because I have another card from XXXX, but in reality I do not have any related credit cards from XXXX, this reason is not acceptable. I feel cheated and canceled the card and want to ask back for the annual fee but they refused to reimbursed my money back. I can not accept it because they can not give me an acceptable reason to decline my welcome bonus as well as to refuse giving me back my paid annual fee. If they do not want to offer me this welcome bonus, they should inform/warn me at the beginning when I applied for this credit card, instead of letting me know until I finished all the spending requirement and pay the annual fee. The credit card number for the card I am applying for is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: WV

Complaint narrative:
I had opened a dispute for {$1100.00} because I had paid for a product and service I did not receive, the first dispute was filed wrong by the pnc employee so it was denied and the second was filed properly but then they closed my account without notifying me and they closed the account with a dispute open on it, which if I walk into a branch and try to close XXXX account with a dispute open, they tell me XXXX not allowed. However how are they allowed to close my account with a negative balance while I have a dispute that has not yet been resolved open, and then They turn me into collections for said accounts negative balance. I have spoken to executive client relations and they state that the merchant who I was supposed to receive the product and service from has said that the transaction was valid however it was not which I explained to the representative and they did nothing. Of course the merchant is going to say its valid because they are covering their own XXXX, yet pnc has caused a negative impact on my credit, my bank card score, and closed my main checking account all based upon false information from a salon. I find this unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
CREDIT COLLECTION SERV Original creditor : CCS FOR XXXX XXXX-XXXX  Keeps attaching an account to my credit report for {$2700.00}. This account is not mine, and I'm the victim of fraud. I've attempted to have this removed at XXXX multiple times, but it keeps getting reported as accurate. 

XXXX and XXXX have already removed this fraudulent account, but CREDIT COLLECTION SERV keeps reporting this important as accurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  stated that my credit report with Experian and XXXX. My credit report is not locked with either company. I see the inquiry is listed on Experian and XXXX. I contacted XXXX XXXX and they argued me down that my credit reports were locked. I looked on Experian and XXXX and I see the credit inquiry on both. I called XXXX XXXX on three different occasions and they are still telling me my credit file is locked. At this point I would like for Experian and XXXX remove the inquiry that was placed on my credit file by XXXX XXXX XXXX immediately XXXX I have attached a copy of the letter for proof.

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 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, I received via USPS letter from XXXX 's dated XX/XX/2022 that stated my credit application has been denied. Next day I received a letter via USPS from XXXX XXXX XXXX stating the same. I filed neither of these applications. Then I called the three credit agencies and verbally communicated these facts and asked to take these actions/inquiries off my credit history and established credit alert and security freeze. I was told to submit a police report, which I filed and submitted to XXXX today, ( via postal mail ), and, now am filing with FTC ( via CFPB ) here as per instruction by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC
State: MI

Complaint narrative:
I received a text message on XXXX from XXXX a an attempt to collect a debt. But this company has no right to collect a debt that does not belong to them pursuant to XXXX5 U.S. Code 1692c ( b ) I called the number and told them to stop contacting me but they text me again XX/XX/XXXX from ( XXXX ) XXXX This message is solely intended for XXXX XXXX. This is XXXX trying to verify your location. Call our office directly at XXXX regarding your documents. While calling back reference File # XXXX. This is an attempt to collect a debt, any information obtained is only for that purpose. I told them my job doesnt allow me to be on my phone at work and they insisted I pay my bill. I asked if they were familiar with 15 U.S. Code 1692c and she said no. I said well its the law stating you can not call or collect a debt from me. 

I received another call today XX/XX/XXXX from XXXX which connected me with Atlantic Recovery solutions. It connected me to a voicemail. I called back and recorded the call the lady said that she did not call me as I am on the do not call list but I told her I had just received a call from her office but she denied and hung up on me and would not answer my questions of their office number and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On or about the XXXX week of XXXX, Synchrony Bank charged me my full credit balance with them. This withdrew around XXXX $ from my bank account. I did not authorize this transaction. My account was set to only pay the minimum balance ( around XXXX $ I think ). I called synchrony to fix this issue but they said that it was my fault and the best they could do was issue a check in the mail that XXXX arrive in up to XXXX weeks. 
This was the week before XXXX. The {$3000.00} they pulled from my account was all I had to feed my family of XXXX. I disputed the transaction with my Checking account bank ( XXXX ) who took up my case and was able to get me my money returned minus the minimum payment to synchrony that I HAD authorized. 
Fast forward to the XXXX or XXXX week of XXXX. I saw that synchrony had double charged my account for the refund I made causing me to look as if I had been refunded twice the amount that I was. 
I called synchrony once again and they told me it was because they had mailed me a check for that amount a month before and they were expecting me to deposit it back into that account. I have never received that check and told the synchrony representative as much. The representative told me they would cancel the check and credit my account for the money that the check was supposed to pay out. He said the transaction would take about XXXX to XXXX weeks for the refund to hit my account and that they were going to refer what happened to their investigations department in a manner that seemed they were implying I was being dishonest with them. XXXX weeks came on XXXX. I called synchrony on XXXX and after fighting their service line for over an hour I finally was able to speak with somebody who sounded like she could answer questions. 
She looked into my case and said it was going to be another XXXX business days before I would see my refund. After dealing with this company and XXXX collective hours on the phone with them, I do not trust that they are being honest or conducting fair business practices. I am opening this report because I do not have confidence that synchrony will return the money they are not entitled to.

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 2023-01-04 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: FL

Complaint narrative:
I just received my investigation results twice from Complaint ID XXXX and Complaint ID XXXX and saw some accounts were verified by you. However, I have a few questions : How did you complete your investigation? Did you talk to my neighbors, friends, family, etc? If so, please inform me of the person who completed this investigation. One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1 ) Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Delete This account Immediately, unless you want to pay {$1000.00} per violation 2 ) Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX Delete This account Immediately, unless you want to pay {$1000.00} per violation Please See my attached Credit Reports Printed on this Date XXXX and this Date XXXX that have the exact same mistakes on many places of the report as I have circled for your convenience. What is outstanding and a complete violation of the so called Verified Accounts is the amount of mistakes that were never fixed from before nor after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: NY

Complaint narrative:
Key bank sent me a fraud letter in reference to an account ending in XXXX opened on XX/XX/2002 in my name. I never had any business with these people and never heard of them. When I called 5 times they would only let me speak to a person named XXXX who barraged me with questions about my social security number address dob etc. She refused to let me speak to a supervisor and I believe she is the one who stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had fraudulent charges on my credit card which I had never authorized On Sams Club Credit Card Acct # XXXX all the charges and XXXX  XXXX XXXX  Acct # XXXX using from Walmart

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 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: MS

Complaint narrative:
I was trying to access my account today with USBank at XXXX XXXX XXXX. I entered all the credentialing information, and it sent me to reset passwords three times, and none of the passwords worked to access the account. Afterward, I contacted XXXX, and an agent got on the phone, and she asked for all of my information. She was very XXXX XXXX XXXX. Instead of trying to assist me, she stated to download the app and, if I had any other concerns, to call back. I explained that my issue wasn't resolved and wanted to speak with a supervisor. She waited 5 minutes and stated that a supervisor wasn't available. I hung up the phone. Neither the app nor online services work to access the funds due to me in the 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 2023-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Camino Financial Inc.
State: MD

Complaint narrative:
After explaining to the company that I was having difficulty keeping up with payments. They adjusted the payment schedule, but also with Drew funds for the previous agreement, which I turn would overdraft my account on a number of occasions. And now they call4 or five time in a row and call my family after I've spoken with them about arranging other options. They continue to call evnery day constantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
2008 my husband past away and they were doing a hardship and out of nowhere some guy was taking pictures of my house and told me he had just purchased it I was devistated and move out well years later after talkin with XXXX XXXX she told me to contact XXXX XXXX and after researching I found out that Wells Fargo bought them out in 2008 along with another lending company XXXX XXXX how do I get in on the lawsuit for XXXX billon my son was so affected by this move and memories of his father XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I will never understand why they sold without any notice it was a big hardship

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 2023-01-04 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: GA

Complaint narrative:
XXXX XXXX Bank stated that my credit report with XXXX and Equifax. My credit report is not locked with either company. I see the inquiry is listed on XXXX and Equifax. I contacted XXXX XXXX  and they argued me down that my credit reports were locked. I looked on XXXX and Equifax and I see the credit inquiry on both. I called XXXXXXXX XXXX on three different occasions and they are still telling me my credit file is locked. At this point I would like for XXXX and Equifax remove the inquiry that was placed on my credit file by XXXX XXXX XXXX immediately . I have attached a copy of the letter for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DriveTime
State: GA

Complaint narrative:
I purchase the vehicle an i was'nt offered any insurance for this vehicle an i make a down payment. Which is a consumer violation / 15 U.S. CODE 1605 / 15 U.S. CODE 1662 / Truth in Lending Act Regulation Z / 15 U.S CODE 1635

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had taken several opportunities to behold and remove any negative account and addresses and give the correct name and the spelling of my name

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