vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I am going through financial hardship and was trying to figure out payments. 

Barclays had called me several times and I was finally able to accept a low interest payment plan. 

I spoke to a representative on XX/XX/XXXX for over XXXX minutes. I accepted a low interest payment option and all of the terms over the phone. 5.99 % interest with a minimum payment of {$150.00} a month. I scheduled payments out until XXXX of 2023 for auto draft and gave my banking information. 

They have called and emailed me now stating my account will be charged off and I didnt not schedule payments. They have also stated my program is no longer available.

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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc.
State: AZ

Complaint narrative:
I won't to Opt-in I keep getting denied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX XXXX # XXXXXXXX Credit Collection XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX has violated rights 15USC1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality XXXX XXXX XXXX IS INACCURATE THEY ARE POSTING A PAST DUE BALANCE THAT IS INACCURATE.US DEPT OF XXXX # XXXX 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 a account without my written instructions.

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 or information, other than records of convictions of crimes which antedates the report by more than seven years. 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 a account without my written instructions.

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 or information, other than records of convictions of crimes which antedates the report by more than XXXX years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: DISCOVER BANK
State: CT

Complaint narrative:
I purchased online items from XXXX on XX/XX/2022. I requested a cancellation on XX/XX/2022 via chat and was informed they would try to cancel but that it may be too late as the items were already in process - the items had not yet been shipped by XXXX. I received notifications that items were shipped on XX/XX/2022. I was out of the country and items were never received. Discover card did not accept my dispute even though I have the documentation the order was cancelled prior to the company shipping the items. I received notification on XX/XX/2022 that discover Card would be placing the charge back on my card and I would be responsible for the interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners
State: FL

Complaint narrative:
This company has continued to put a medical bill that belongs to my daughter whom was the age of XXXX on my credit report I have constantly had to dispute to have removed on many occasions I have also called them and they told me that they were gon na keep going after me although they know it belongs to my daughter they got my information as she was on my insurance my insurance paid the portion the rest of the bill would belong to my daughter not me when I spoke to them they were very rude and threatened that they would put it on my credit and they have XXXX times now and I keep having to spend time filing disputes with credit bureau and they have kept removing it just because someone is on your insurance should not allow company to have my information and try to charge me for the bill specialty when they patient is a grown adult age XXXX and they dont even have it on her credit report and also was not around when she went to the hospital I have not authorized the hospital nor any other to have or use my personal information especially my social security number and now they have also mailed to my current address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: MI

Complaint narrative:
I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group
State: NV

Complaint narrative:
XXXX XXXXXX/XX/XXXX I contacted XXXX XXXX indicating I was disputing accounting under the XXXX  and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX  of XX/XX/XXXX I received a Summons from the law firm of THE MOORE LAW GROUP indicating they are representing XXXX XXXX and suing me. I believe XXXX XXXX has not followed dispute procedures. The MOORE LAW GROUP has not identified to me previously either they were trying to collect a debit, is this company a debit collector?

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 2022-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
My name is XXXX. I used Square to process payment for my business but Square decided to deactivate my account. 

I had about {$1200.00} in my Square account prior to deactivation. Then Square refunded this amount to the cardholder who sent this payment to me without my consent. 

However the cardholder told me that her bank account was closed and her bank returned the deposit back to Square. This is because once an account is closed, all deposits are always returned to the originator and that was the case. 

This funds was supposed to have come back to my Square account because it was returned back to Square by my clients back account. 

But Square has refused to give me this money. 

I raised this issue and contacted Square support and they said they would get in touch within 1-2 business days, but no success. 

A member of Square account service team responded to my case and said I would have my money on XX/XX/2022, but these are all lies. 

I need my money. 

Email associated with my Square account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: NC

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. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality XXXX XXXX XXXX IS INACCURATE THEY ARE POSTING A PAST DUE BALANCE THAT IS INACCURATE.US DEPT OF XXXX # XXXX XXXX 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 a account without my written instructions.

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 or information, other than records of convictions of crimes which antedates the report by more than seven years. 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 a account without my written instructions.

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 or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4

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 2022-12-04 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality XXXX XXXX XXXX IS INACCURATE THEY ARE POSTING A PAST DUE BALANCE THAT IS INACCURATE.US DEPT OF XXXX # XXXX 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 a account without my written instructions.

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 or information, other than records of convictions of crimes which antedates the report by more than seven years. 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 a account without my written instructions.

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 or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4

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 2022-12-04 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Delete Hard inquiries : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXl, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: SC

Complaint narrative:
Delete Hard inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Lake Area Collections, LLC
State: LA

Complaint narrative:
The collection agency Lake area collection is violating my rights under the No surprise Act of 2022. I have a medical bill in the amount of {$330.00} from XX/XX/XXXX that an out of network provider is charging without my prior authorization. I am requesting these two items be removed from my credit report immediately as I am allowed a fair and correct credit report according to FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
After losing my father, business, and home, I am trying to put the pieces of my life back together. I fell behind on my XXXX account for XXXX, but I tried my best to keep the company informed and worked to find a satisfactory solution so that my account will remain in good standing. 
In XX/XX/XXXX agreed to a payment arrangement after speaking with a collection specialist. Unfortunately, XXXX was misleading and they did not clearly and fully disclose all information about the offer and terms. 

One key piece of information missing is that XXXX will report to the credit Bureau that you have not made any payments. This is extremely important because even if you are making payments, your credit score will continue to lower month after month. XXXX representatives try to associate that with the account being in good standing and refer you to those terms, but this is completely different. 

I paid XXXX, XXXX, and XXXX ( which I later filed for chargeback ) and XXXX continued to report I made {$0.00} payments which showed my account in extreme default at the credit bureau. 

My billing statements were not accurate and up to date to reflect the new agreement that they presented. I continued to receive text messages and communication about missing my payments, Customer care specialists insisted they were obligated to their system information and no updates were made so the harassment continued. 

XXXX did not provide advanced notice of changes to my account. This was extremely hurtful because they changed my account credit limit from {$7000.00} to {$700.00} and reported that change to the credit Bureau to include a balance of {$7000.00}. My credit score plummeted because of this change. I was in the final stage of getting a loan that was saving my home, but upon final submission, XXXX XXXX declined me because of XXXX misinformation. I called XXXX literally crying and begging them to correct this error, but it was not done in a timely manner and I lost my home. 

XXXX send me communication anywhere between XXXX XXXX and XXXX XXXX. I can't sleep, and I can't get this company out of my mind, I am angry, disappointed, and feel cheated by this company. In XXXX I spent over {$27000.00} with its card and paid every cent back. XXXX has been the worst year of my life, I have nothing to my name and I am fed up with XXXX constantly harassing me, lying to me cheating me out when I have done everything in my power to pay them back. I filed for chargebacks on the payments I made to them after I discovered they continued to report no payments were made by my side. I will not pay this company a cent unless they are transparent and clear and enforce the rules that protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Special Financing Company, LLC
State: VA

Complaint narrative:
I never applied for no credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
issue is regarding CareCredit a charge taking out of my account on XX/XX/XXXX I received My statement I was alarmed when I saw the charge was for {$500.00} I use this card for my doctors appointment every visit is {$250.00} I have been using my careCredit card at my doctors office since XX/XX/XXXX And if I look back into my statement charge is always {$250.00} I have it set up to automatically comes out of my bank account every month So I never have to pay interest for my visit I called XX/XX/XXXX but XXXX XXXX Never had an exact reason and many excuses When I asked to talk to a manager he said he can refund it Unprofessional And concerning

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