vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have applied Citi Credit Card with XXXX XXXX with a promotional offer of XXXX miles. 
Before applying Credit card, I called both Citi and XXXX XXXX and checked about my last promotion to make sure I am eligible for this promotion as I have once received miles using similar promotion in year XXXX. As they said, card can be opened again in 4 years to qualify for the promotion, I applied the card again on XX/XX/XXXX. The last card I applied was on XXXX XXXX XXXX and closed on XX/XX/XXXX. As it exceeded 48 months as per their statment, I have applied the card again on XX/XX/XXXX and it was approved and I have spend XXXX in the first 2 months and when checked with Citi again on XX/XX/XXXX, they said they can not issue miles again as the last miles were given in XX/XX/XXXX and it did not exceed 48 months. 

I should have waited couple of months if they were clear on this when I did my initial call. 
I have unnecessarily applied for it if the miles were not given to me. I should have taken some other advantages instead of XXXX  hard hit on my account. 

I tried reaching to the bank on XX/XX/XXXX, but they couldnt help me on this. Can any way I can get help on this.

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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had a promotion with Care credit and paid off the promotion. They still charged me all the intrest. I was told it was adjusted off XX/XX/2023. It is still on my account and now charging me intrest on that intrest. I am told it is being removed but have to wait 1 to 2 billing cycles. I want this off my credit report. I have waisted so much time with this company.

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 2023-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
My loan is XXXX XXXX XXXX on XX/XX/2023. 
I reached out to US Bank on XX/XX/2023 to request for PMI removal. US Bank took the {$190.00} fee that day. And I expected a call from a realtor for a BPO as I chose to do it based on current valuation. 
However, I did not hear from anyone so I called US Bank to follow up on XX/XX/2023. 
At first, they told me they rejected the request and returned me the {$190.00} because it should be {$410.00} for an appraisal. I told them that is wrong because US Bank puts in writing that it would be a BPO ( Broker price opinion ) and not an appraisal. 
The staff changes to another reason that my loan balance does not meet the XXXX based on origination value. I told them that is wrong because I specially requested the removal based on current valuation, hence I paid the {$190.00}. 
The staff then changes again to another reason that I did not meet the substantial improvement dollar value that XXXX XXXX requested for the loan that is less than XXXX XXXX XXXX. They said XXXX XXXX requires me to spend {$45000.00} substantial improvement ( 10 % of my original valuation ) and I have only spent {$10000.00} that can be counted towards substantial improvement. I told them that is wrong because the XXXX pages XXXX XXXX guideline does not have a dollar value or % that I must spend on substantial improvement. I asked for the proof. She then transferred me to someone from the mortgage removal department and that someone told me she would get her boss to call me. No one called me. 


I called again the following week and now they said to receive the proof, I need to put in the request and they would send it by email and mail by the end of business day of XX/XX/2023. 

Nothing is received so far. I called again today on XX/XX/2023 and they told me that they mailed out a letter yesterday and I would receive it within 10 days. 

This is their sneaky way so that I will not be able to do the removal by my mortgage 2 year anniversary ( XX/XX/2023 ). And they keep telling me that I can do it after the 2 years so I can get away from the substantial improvement. However, after the 2 years, XXXX XXXX will require 75 % XXXX ( instead of 80 % before XX/XX/2023 ). This is how US Bank cheated us consumers to continue to pay the private mortgage insurance even though we might be qualified to have it removed. No where in the guideline XXXX XXXX requires such dollars but US Bank tries to use such wording to shut people up.

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 2023-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I applied for a XXXX XXXX line of credit my business name is XXXX XXXX XXXX XXXX, business address XXXX XXXX XXXX XXXX XXXX Illinois XXXX. XXXXIs the supervisor, I received a letter of denial that stated business address could not be identified. But they where asking me for my personal address information to upload in there system I sent in 2 form of my personal address bills one from XXXX and one from XXXX and they denied. I also connected my business bank accounts to there portal to validate my business They havent given me any good reason why my application was rejected only my business address is not identified which is false my business address is registered with government officials, banks, etc, I also have a personal account with American Express, they were very rude and talk aggressive over the phone to a customer also a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) like Equifax, XXXX and XXXX have a responsibility to respect the privacy of consumers and only share their information with their consent. 

I am a consumer, and I have the right to make sure that my private information is not shared without my permission. 

The FCRA states that CRAs may only furnish consumer reports " in accordance with the written instructions of the consumer to whom it relates. '' ( 15 USC 1681b ( a ) ( 2 ) ). 

However, neither Equifax, XXXX nor XXXX has my written consent to furnish my information. 

Therefore, I am revoking any and all consent that I have given to these CRAs, whether verbal, non-verbal, written, implied, or otherwise. 

The FCRA also states that financial institutions may not disclose nonpublic personal information to non-affiliated third parties unless the consumer is given an explanation of how to exercise their nondisclosure option. ( 15 USC 6802 ( b ) ( c ) ). 

However, the financial institution that furnished my information to Equifax, XXXX and XXXX never informed me of my right to exercise this option. 

In addition, the FCRA prohibits CRAs from making consumer reports that contain " any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' ( 15 USC 1681c ( a ) ( 5 ) ). 

However, Equifax, XXXX and XXXX are reporting an adverse item of information about me. 

This is a violation of the FCRA. 

Finally, the FCRA requires CRAs to maintain " reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' ( 15 USC 1681e ). 

However, Equifax, XXXX and XXXX are not maintaining reasonable procedures. 

They are repeatedly furnishing my information without my consent, and they are furnishing information that is more than seven years old. 

This is a violation of the FCRA. 

I am opting out of Equifax, XXXX and XXXX reporting services. 

I demand that they immediately remove my information from their databases and cease furnishing my information to any third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-21 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
This account is not supposed to be reporting according to FERPA. This is what I supposed to be going by according to this law/regulation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Final payment was made XX/XX/XXXX. They have not updated the account as showing paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX was removed from my credit report because it was fraudulent but they added it back it shouldn't be on my credit report it's fraudulent

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 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-07-21 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: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2023-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
I paid for services for an attorney to file XXXX  XXXX bankruptcy.Unfortunately, the attorney passed away before filing.I have all documentation that will prove this was the case.I am waiting to hear about my {$1600.00} that was paid in advance but have heard nothing from the estate handling the dispersal of funds.I do not have another {$1600.00} to pay another attorney.I have explained this several times to all of these collection agencies.As time progresses I receive more judgments and threatening letter. I have been a recipient of many violations at this point.Just recently I had went to a job interview and was notified that there was a judgment against me. I find this very alarming due to the fact that it would be a future employer. I am aware there are laws in place to prevent this sort of thing. In this instance I believe a privacy law was violated.I have tried to rectify my financial problems with these collection agency but find it virtually impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being lat

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accscient, LLC
State: TX

Complaint narrative:
I have reached out to Nationwide Recovery Service and XXXX XXXX XXXX XXXX ( under XXXX XXXX ) multiple times over the last 2 years to get these debts removed from my credit report that were already paid. 

Back in XXXX my XXXX  was in the XXXX and XXXX claimed that they provided care for my XXXX  for anesthesia and Iv. My XXXX  never needed XXXX XXXX XXXX and never saw the doctor listed as the primary care doctor for the XXXX. A year later in XXXX XXXX in charges were placed on my credit report. My insurance ( XXXX XXXX ) paid for these charges but XXXX or XXXX never confirmed with the credit companies that they were paid. After filing multiple disputes they all came back as met fcra requirements Im not sure how this is possible when no one has been able to contact anyone from XXXX and XXXX continues to say they do not own that company and are not aware of accounts in my or my XXXX  name. 
At this point in time I feel like these are fraudulent claims, seeing as I am not the only person who has had issues like this with XXXX  or XXXX XXXX XXXX XXXX. 
I have the EoB proof from XXXX that these were paid, and the checks were cashed 3 days after they were received. Yet still show as I need to pay them on my credit report. 
I have additional documents with all the charges that were paid.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-21 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-21 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: FL

Complaint narrative:
I sent a letter XX/XX/2023 to dispute inquires on my report that was not made by me and I received an email from the company on XX/XX/2023 to say the result is ready but I can not access in online and provided number to call. I called to ask about the report and where I can access it and I had difficulty with getting report. I was just told that the inquires are still there which means its accurate and still they can not provide me with the report that determine how they got this information to say it was accurate. I would like copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy 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 non-monetary relief
Consumer complaint received 2023-07-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: TN

Complaint narrative:
I filed formal complaint that was ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law, Experian had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
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 Inquiries XXXX XXXX  XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX  XXXX Experian XXXX XXXX  XXXX XXXX Experian

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 2023-07-21 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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