vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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: PA

Complaint narrative:
In regard to my previous CFPB complaint XXXX beginning with acct # XXXX, I exercised my God given right to cease all communication about this alleged debt. I am refusing to pay this alleged debt ( see attachment ). You stated that the account was secured with collateral using saving from my Credit Builder account. I am aware that federal reserve notes are the United States form of currency but it is not money. And legally you can not pay debt with debt notes. According to HJR 192 of 1933 this act removed the ability to of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt. I am going to need all payments returned in a check or money order to my place of abode immediately. If not you will be violating 15 U.S. Code 1692h. You stated that statements were uploaded to the account. Statement does not clarify this billing error. A validation of debt is requested and I will need this within 5 days of this complaint. ( See Attached ). You stated in the response that I need to contact the credit agencies directly for their specific reporting guidelines and that the information has been reported correctly and can not removed from my credit report. I am aware that a financial institution may not disclose non public information to non affiliated third-parties. Also since I was never given an option to opt out of such reporting this is my written consent to opt of credit reporting for account beginning with XXXX. Also I never gave consent of reporting this alleged debt, which is known as debt parking. If my instructions to opt out of credit reporting for this account can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15. U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15. U.S. Code 6823 ( a ) to fines under title 18 U.S. Code 3751 with fines up to 500,000 for a felony by an organization.

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 2022-06-03 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
CFPB XXXX ACCOUNT XXXX AMOUNT {$750.00} 15USC 1692e false or misleading representations is a BIG violation you have put false information on credit report.

VIOLATION MY RIGHTS THE LAW IS CLEAR ANY INFORMATION WHAT CAN NOT BE VERIFIED MUST BE PROMPTLY DELETED I DEMAND YOU TO DELETE THE ACCOUNT IMMEDIATELY TO ALL 3 MAJOR CREDIT AND SUB BUREAUS SEND PROOF OF DELETION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a XXXX XXXX account with over 10 thousand dollars in available credit and over 20 years old is not showing up on my Equifax credit report. It's showing up on XXXX XXXX and XXXX but not Equifax, there is about a XXXX point difference in my Fico as XXXX and XXXX XXXX are only XXXX points apart but Equifax is also almost XXXX points less than XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A.
State: KY

Complaint narrative:
We applied for pre-approval on a home mortgage with the PNC Bank. They asked for my credit card number to charge a credit report. I found out later that they charged my card for other customer 's bills and when I complained they finally removed the charges but refused to relinquish access to my credit card. The Lady said that she had the right to charge my card for anything she deems OK. I complained to the CEO of PNC and they have refused to respond. They quoted us an interest rate of lower than 4 %. Then they attempted to ignore the contract and charge us more and even require us to pay {$780.00} for the right to the higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UPGRADE, INC.
State: VA

Complaint narrative:
I clicked on an offer via XXXX with the stated terms : Earn a {$400.00} bonus on your Upgrade card after opening a Rewards Checking account and making 3 debit card transactions within 60 days.

Also : To qualify for the {$400.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade card must be in good standing to receive bonus. 
On XX/XX/2022 I applied for this offer and the accounts were opened soon after. On XX/XX/2022 I funded the Upgrade Rewards Checking account. On XX/XX/2022, I made 3 debit card transactions from my Upgrade Rewards Checking account. I repeated the funding steps and 3 debits again at the end of XXXX ( not required ) to be certain the terms were again met. As of today XX/XX/2022, I have not received the {$400.00} bonus. After calling several times over the past weeks, I was assured that I had met the terms of the offer but that I needed to wait until 1 then 2 billing cycles have passed. On XX/XX/2022, I called again and was told that the Rewards Checking account " does not have billing cycles '' and that I will need to make purchases using my Upgrade Card ( line of credit ) in order to receive the {$400.00} bonus some time within 1-2 billing cycles of making 3 debit transactions on that card. NOWHERE in the terms of the offer does it mention using the Upgrade Card to satisfy the terms of this offer. I asked for a supervisor and was told that someone would call me back within 24-48 hours. I never heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received a letter from USAA Bank with a debit card. It stated " Your debit card has arrived '' with a debit card attached. I contacted the bank today XX/XX/XXXX and they stated they observe an account is open however, they are currently unable to access what kind of account was open. The representative instructed me to call back and ask to speak to someone about an account takeover.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Greeting, On XX/XX/XXXX I purchased XXXX ticket in XXXX in order to back home ASAP due to XXXX  invasion in XXXX. It was a personal trip for caring for my parents with XXXX. At the time of ticket purchasing XXXX phone line have been unavailable and on the their site I was able to buy only Business class ticket for {$5200.00} for XX/XX/XXXX. At that point I have no other options. Due to the swift international actions against XXXX  aggressor, XXXX government have closed XXXX aerospace when flight XXXX from XXXX to NY already took off. That plane have been diverted while approaching XXXX continent and upon arriving back to XXXX airport, XXXX issued full refund. 
However, Capital One provided only portioned refund {$3800.00} on XX/XX/XXXX. After my first call to credit card case # XXXX have been opened on XXXX XXXXand I was refunded for {$1300.00} on my Master card # XXXX XXXX XXXX XXXX while investigation in process. I provided with supportive documentation from XXXX invoice as a refund in full. However, On XX/XX/XXXX that charge applied again. Another call on XX/XX/XXXX. Next refund applied on XX/XX/XXXX and than I was charged with same amount on XX/XX/XXXX. On XXXX XX/XX/XXXX I called again and escalation case # XXXX have been opened. I was told I need to call them after XX/XX/XXXX for follow up. This is my last c/c statement and I paid it in full. Basically twice. 
My last call to Credit card took place on XXXX XX/XX/XXXX spent about XXXX min with representative ID # XXXX WHO CONSULTED WITH INVESTIGATOR WHO REVIEWS MY CASE and I was informed I will be contacted within 72 hours about solution. I did not receive any calls neither e mail communication.

At this point I don't see any reasons to contact them again and ask you department to step up. File with entire supportive documentation attached. 
Appreciate your support, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I have reported to FORTIVA customer service every month. I have been in hospital with XXXX  since XX/XX/XXXX I lost my ability to XXXX XXXX XXXX XXXX. I notified this company OVER AND OVER that i was in hospital wiht XXXX and still being affected by pandemic in more ways than one. Now, I call there today to once again tell them that I am still affected by XXXX  as i contracted XXXX  again and am still with the XXXX XXXX XXXX that originated from XXXX I am XXXX XXXX XXXX XXXX  and to try and keep the life i had XXXX XXXX so when i come home i am able to live my life. HOWEVER, THIS COMPANY FORTIVA CLOSED MY ACCOUNT AND SENT IT TO COLLECTIONS EVEN THOUGH BOTH MYSELF AND THE CFPB NOTIFIED THEM OF COMPLAINT PRIOR TO TODAY THAT I HAVE BEEN AFFECTED BY XXXX their customer service now told me they closed my acct on XX/XX/XXXX EVEN THOUGH THE COVID CARE ACT SAYS THEY CAN NOT PUNISH ME FOR HAVING XXXX AND I HAVE NOTIFIED THEM EVERY MONTH AS REQUIRED BY LAW. THEY ARE BREAKING THE LAW AND HURTING MY CREDIT SCORE WITH THEIR FRAUDULENT BEHAVIOR. I DEMAND MY ACCOUNT RESTORED AND PUT BACK IN GOOD STANDING AS YOU CAN NOT PUNISH ME FOR HTE PANDEMIC. I DEMAND ITS IMMEDIATE RESTORAL OR I WANT CRIMINAL CHARGES FILED AGAINST THIS COMPANY I HAVE MADE SEVERAL COMPLAINTS AND THEY LIE TO YOU TELL YOU NONSENSE AND DO HORRIBLE THINGS TO CONSUMERS THERE ARE COMPLAINTS EVERY WHERE I DEMAND THE RESOLUTION NOW. IF THISIS NOT FIXED EXPRESSLY AS I REQUEST I WILL FOLLOW THRU AND I WILL ALSO GO TO NEWS STATION TO REPORT HOW I AM XXXX TRYING TO XXXX XXXX XXXX XXXX I SENT PROOF TO YOUR COMPANY HOSPITAL DOCUMENTS AND ALL AND YOU EVEN EMAILED ME BACK STATING YOU WERE FIXING THE PROBLEM INSTEAD YOU DID SOMETHING ILLEGAL - RESTORE MY ACCOUNT AND PLACE IT IN GOOD STANDING OR I WILL BE FILING CHARGES IMMEDIATELY AGAINST YOU. I DEMAND CFPB INVESTIGATE FORTIVA AND ITS SUPPORTING BANK IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I filed for Federal Student Loan Forgiveness and I recently heard back that I was denied because they are only counting the payments I made since I enrolled in their consolidation program ( 3 total ) towards my XXXX payments ( which I definitely reached years ago ). When I spoke with a representative, she said that the initial paperwork for forgiveness may have been processed prior to my being enrolled in the consolidation program and that I should reapply for the forgiveness now that I am enrolled. Basically, their payment count is over XXXX payments short of what I have paid towards my loans over the past XXXX years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03 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: KY

Complaint narrative:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 an 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 2022-06-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX ACCOUNT XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX CARD ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT XXXX XXXX, XXXX  ACCOUNT # XXXX, UNKNOWN ACCOUNT # XXXX, XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
While Im the XXXX  my medical insurance was given to the hospital. The XXXX doctor or that doctors staff never got the health insurance information from me or the hospital. I did not know of this debt until a year later when checking my credit. I have tried multiple time to resolve the debt. I have had my health insurance company on the phone with the debt collector trying to submit my health insurance to get it resolved. The debt collector made it impossible for the the debt to be paid. 
After how many phone calls and running around to get this resolved with the collector and my insurance company l. For the negligence of the doctor and staff. I was never billed and found out a year or so later that I accrued a debt. I am a XXXX XXXX XXXX. I have better things to do with my time than run around and collect documents because of the negligence of a doctor and staff. 
My insurance info should of be passed on to them or got it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 an 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 2022-06-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: TX

Complaint narrative:
My mortgage service transferred on XX/XX/XXXX from Plaza Home Mortgage XXXX XXXX # XXXX ) to XXXX XXXX Mortgage XXXX XXXX # XXXX ). 

Upon review of the transfer, I became aware that Plaza Home Mortgage had placed lender based insurance on my property and charging my escrow account {$1900.00} I provided proof of insurance to both mortgage servicing companies on XX/XX/XXXX. 

On XX/XX/XXXX, I called Plaza Home Mortgage and was told that Check # XXXX was written on XX/XX/XXXX and mailed on XX/XX/XXXX, and that I should see it deposited in my escrow within 30 days after approval. 

On XX/XX/XXXX, at the 30 day mark, the funds were not deposited. Having both companies on the phone simultaneously, I was told it should actually take 4-6 weeks after approval, and to check then. 

On XX/XX/XXXX, after the 6 week mark, the funds were not deposited. Having both companies on the phone again, I was told they will look into it and could take up to15 more days. They also stated that they would 'expedite ' the issue and should have results sooner. 

I have asked on XXXX, XX/XX/XXXX, and XX/XX/XXXX for a letter/email, but still have not received any documentation corroborating their statements. 

The mortgage transfer has now passed the 90 day window that companies are legally required to complete transfer and the escrow money is still missing. 

I have spent almost 10 hours over the last 3 months dealing with this problem with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts 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 non-monetary relief
Consumer complaint received 2022-06-03 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: KY

Complaint narrative:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts 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