vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX Portfolio Recovery Associates , LLC contacted me via telephone and offered a Settlement Agreement at witch point I agreed with the understanding that the company would mail me a stipulation letter to sign and return to avoid going to court. I have been making monthly payments since XX/XX/XXXX. XXXX XXXX emailed me on XX/XX/XXXX with a letter of confirmation that states I have 24 payments of {$71.00}. After the first two payments I called to inquire about the stipulation letter. On XX/XX/XXXX of XXXX I received a order to appear before the judge in XXXX XXXX Texas on XX/XX/XXXX. I have made numerous phone calls since the court summons was mailed to me more currently in the past two weeks I have called Portfolio Recovery requesting the stipulation letter, a supervisor by the name of XXXX finally agreed to email it to me on XX/XX/XXXX and I sent via USPS the signed stipulation letter back to them where it was signed for on the XXXX. 

I believe they are in direct violation of the Fair Debts Collection Practices Act and are giving me the run around instead of holding up there end of the contact for settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I Applied For A No Credit Check Loan With Acima To Have Repairs Done On My Car Back In XXXX Of XXXX. However, This Company States On Advertisement No Credit Check But They Reported This Loan On My XXXX Credit Report Which I Wasnt Aware Of Until I Pulled My Credit Reports. Ive Used No Credit Check Companies In The Past And Nowhere Did They Ever Report To Credit Bureaus As Advertised No Credit Check. Also, I Caught XXXX Twice And This Company Has Milked Me Out Of Tons Of Money Every Time I Had To Change My Payment Dates They Increased My Payment Weekly. I am a retired single woman and Had To Stop Making Payments On This Account As Of XX/XX/XXXX Because The Representive Never Told Me I Had To Now Pay {$110.00} Per Week Until My Lease Is Up As Of XXXX of XXXX. These companies Shouldnt Be Allowed To charge consumers all this interest On items as they do if the items isnt paid off within 90 days but a reasonable Amount Of Interest Sounds Fair. I stopped payments with my bank as of XXXX of XXXX because after they reviewed the call, they realized the Representive didnt inform me of the increase payments for like the 3rd time that I had to change my payment due dates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XX/XX/22 - Contacted Bull City Financial is reporting a balance and there is no Balance {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express is refusing to issue eligible XXXX credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
My mother passed away in XXXX of 2022. At the time of her death, she had an FHA secured home loan, which is currently serviced by LoanCareXXXX XXXX XXXX. There have been several attempts ( via phone and email ) to reach out to the company regarding Mortgage Protection Insurance, but as of today, I have not received any updates regarding this request. The company only wants to receive payments, but has not provided me with an answer as to if my mom 's home was secured with Mortgage Protection Insurance. My siblings and I are aware that they offer this insurance and our mother confirmed that she had this protection in place as well before she passed away. The dates of communication to the company were on XX/XX/2022 ( Phone ), XX/XX/2022 ( Phone ), XX/XX/2022 ( Phone ), XX/XX/2022 ( Email ), XX/XX/2022 ( Email ), XX/XX/2022 ( Email ), XX/XX/2022 ( Email ), XX/XX/2022 ( Email ), XX/XX/2022 ( Phone ), XX/XX/2022 ( Phone ), and XX/XX/2022 ( Phone ). 

As requested from the company, my mom 's death certificate was provided and I was originally told that they would speak to me regarding Mortgage Protection Insurance once the documents were provided, but since that time ( XX/XX/2022 ), they have refused to discuss anything with me about the home, unless I am making payments on the property. I have contacted both companies as they have consistently sent me back and forth between both companies to get answers. My XXXX younger siblings and I have done our due diligence of continuing to make the full mortgage payments, but we are running out of time ( we believe ) to keep my mother 's home. We believe that this is a tactic from the Loan Servicer to stall and not provide the information that I've been requesting for a few months now in an attempt to foreclose on my mother 's home.

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 2022-03-28 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: MD

Complaint narrative:
I tried several times to request my credit report and File its not excepting my verification information the information they are using is inaccurate I have attached my State IDentification card and social for verification

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 2022-03-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/22 - Contacted XXXX XXXX XXXX is reporting a balance and there is no Balance {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX XXXX and XXXX and XXXX XXXXXXXXand she was very rude she called me a XXXX on XX/XX/2022 this is very absusive she needs to be firedis very abusive to me and made me cry they dont understand how they are casuing extreme XXXX i never knew XXXX allows this typre of behavior she doesnt even recingized i spoke to her a week ago and you XXXXn doesnt do there job what so ever and i spoke to another rept XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have tone negative item negative credit items outstanding negative inquiries now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 49 times. XXXX is an abusive company they ignore me and wont help. They are supposed to be protecting consumers and abusing consumers. They need to be reigned in. they are causing me severe XXXX and now my credit isnt reporting correctly stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.i even provided a tracking number XXXX proving that they recieved the document to remove these items and nothing still hasnt. been done its been more then 60 days i need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/21 - Mailed Multiple request to remove invalid inquires 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX none were removed

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 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
CITIBANK MY CREDIT CARD COMPANY FOR BEST BUY, I AM A BIT BEHIND BUT I HAVE SPOKE WITH SOMEONE THE FIRST TIME THEY CALLED, BUT EVERY DAY I GET MORE THEN XXXX CALL PER DAY AND SOMETIME THEY DONT EVEN SAY ANYTHING. CITIBANK OUT SOURCE THEIR WORK SOMEWHERE IN XXXX OR XXXX YOU CAN BARELY UNDERSTAND THEM. BUT I TOLD THEM MORE THEN ONCE STOP CALLING ME MULTIPLE TIME I HAVE ALREADY SPOKEN TO SOMEONE. BUT THE MANNER STILL CONTINUE

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 2022-03-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: TX

Complaint narrative:
XX/XX/21 - Mailed Multiple request to remove invalid inquires XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX none were removed

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 2022-03-28 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:
XX/XX/21 - Mailed Multiple request to remove invalid inquires 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX none were removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Re : Genesis Card Services or GFS as they are known. 

Last Year I received an pre-approval application, they stated they needed my drivers license. I was given a fax number, but the fax number does work, I was given XXXX. 

I was then asked to mail in a copy of the drivers license which I did, Guess what the priority envelope was sent back marked refused. 

Earlier this month I received another pre-approved credit offer which I applied the same problem again, fax numbers do not work. 

I am now damaged by XXXX credit inquires which achieved false result. 

This card company is bogus. 

The same situation is happening again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2022 my husband was tricked by a scammer to send {$490.00} via XXXX. During the phone call, he realized what was happening and he hung up and immediately called our bank, Wells Fargo. The hold time to speak to someone at Wells Fargo was 40 minutes. By the time he was able to tell a Wells Fargo banker that he did not authorize the transaction, he was told it was too late. The banker took down all of the information and said he would open an investigation. On XX/XX/2022 I called the bank because the {$490.00} withdrawal was still in the " pending '' section of our bank account. I wanted to make sure Wells Fargo was aware that we did not want this transaction to go through. I was told an investigation was underway. On XX/XX/2022 I called Wells Fargo to inquire about the process and was told the investigation was closed, no fraud had occurred as my husband authorized the transaction. On XX/XX/2022 we received two letters from Wells Fargo saying they had completed their investigation and there was nothing they could do. On XX/XX/2022 I contacted Wells Fargo corporate office and on XX/XX/2022 I received an email from XXXX XXXX stating that she would be looking into the matter. On XX/XX/2022 XXXX called me on the telephone and stated that there was nothing Wells Fargo could do, the money had already been transferred. I asked what measures Wells Fargo has in place to protect us in this type of situation. She said XXXX transfers are instantaneous. I asked why there have been no protection measures put in place when it has been publicized in the news that the banks have set these transfer processes up themselves. I also asked why we had to wait on hold for 40 minutes when if Wells Fargo 's customer service had answered in a timely manner they could have stopped the transaction. She responded that they are busy and they are dealing with a lot of scams. On XX/XX/2022 I asked that the denial be put in writing. On XX/XX/2022 XXXX XXXX sent me an email apologizing for the lengthy wait time and providing me with information to learn more about how to avoid being scammed in the future.

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