vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account was closed for over 10 years but stills shows on my credit report as active.

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 2021-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Violation of FCRA delete this account immediately. Inaccurate data reported. Account profit/Loss write off. still updating last date of activity. should have a XXXX  balance, with a Charge off Profit/Loss Reporting to XXXX  and Experian different dates of DOLA, etc..

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 2021-08-14 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
XXXX submitted a fraudulent charge to a apple MasterCard from Goldman. Goldman was to apply a credit during the dispute but never did so. Now my credit score has been affected by this charge and it is further affecting my ability to get loans for a business. 

XXXX must make amends for posting a fraudulent charge. They have since posted a credit but Goldman 's is holding it in their backend system because YOU give them the right to hold it for five days. 

Goldman 's must apply a true credit to my account while the credit from uhaul is gathering interest in one of their accounts. Lol. I wish this were funny but this is an example of how federal regulations hurt the consumer. If credits were to be posted immediately this would not be an issue. The dispute process on the Apple Card is broken and their interface to communicate what they are doing is inadequate. Chat is great for catching up with friends but does not work for banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
For years this company has been reporting the account listed. They continue to post this account on my credit reports for years to make it seem as if this account was opened recently in fact that is not true. I need proof of any documents they have showing where I opened an account with them on XX/XX/2019 immediately which I have never been provided no mail or electronic communication at all that proves this accounts belongs to me, which they are also required to furnish and after multiple attempts they have not furnished any documents. 

Security credit Services Original Creditor : XXXX XXXX Amount ; {$1800.00} Date OpenedXX/XX/2019 XX/XX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I most my job due to the pandemic. I called barclay and let them know immediately, I also told them i have a new job. Because of the small gap in employment ( had to wait for a security clearance ) and the next pay period, I was worried that my payment would be late. The representative told me she made a note of it and I would be penalized. 
I made my payments on time and when I went to pay this month the main page of the barclay site said I missed a payment. I checked my checking account used to pay bills and To my suprise the new job direct deposits were not when I was told they would be causing return of payment of XXXX. I spoke with a supervisor today named XXXX and he told me I was charged XXXX in fees and reported 60 days late because the payments was returned just before the XXXX when the card kicks into the new cycle date credit limit. The rep told me shed notate my account and I wouldnt be penalized for a late payment because I lost the first job due to the company sizing down from the pandemic. Please help Im afraid Ill lose my security clearance for the new job due to the negative credit ratings my new job is more than enough to crash things up and Im trying to catch up from when there was a break in employment. I plan to be able to make large payments in the next three weeks Ive never been late and this is truly hurting 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
Consumer complaint received 2021-08-14 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
For years this company has been reporting the account listed. They continue to post this account on my credit reports for years to make it seem as if this account was opened recently in fact that is not true. I need proof of any documents they have showing where I opened an account with them on XX/XX/2019 immediately which I have never been provided no mail or electronic communication at all that proves this accounts belongs to me, which they are also required to furnish and after multiple attempts they have not furnished any documents. 

XXXX  XXXX  XXXX  Original Creditor : XXXX XXXX Amount ; {$1800.00} Date Opened:XX/XX/XXXX Transunion/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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
For years this company has been reporting the account listed. They continue to post this account on my credit reports for years to make it seem as if this account was opened recently in fact that is not true. I need proof of any documents they have showing where I opened an account with them on XX/XX/2019 immediately which I have never been provided no mail or electronic communication at all that proves this accounts belongs to me, which they are also required to furnish and after multiple attempts they have not furnished any documents. 

Security credit Services Original Creditor : XXXX XXXX Amount ; {$1800.00} Date 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 2021-08-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Morgan & Associates, P.C.
State: OK

Complaint narrative:
On XXXX I got letter from Morgan XXXX  pc the debt collection lawyer group saying they are collecting money for XXXX XXXX XXXX XXXX, XXXX but sent the account statement that has XXXXXXXX XXXX XXXX XXXX For {$5800.00}. I replied I do not owe money to XXXX XXXX XXXX XXXX XXXX and I dont even know that company. Morgan XXXX pc sued me on XXXX XXXX XXXX. I went through 3 hearings asking judges prove the evidence by contract of assignment assignor to assignee judge said its out of her power to ask such evidence to opposing counsel. Finally without even other evidence I requested judge ignored it. And gave other party summary judgment. I am requesting FTC to sue the debt collector or company due to not using own name which are the rule of FDCPA statue 15 USC 1692 803 ( 6 ). I asked who is the Real party in Interest in Hearing also affiant on Affidavit her prove of employment but judge overruled me which is violation of Due process 14 th amendment in our Constitution. Small courts judge dont care taking side on debt buyers favoring them. I spent well over {$700.00} dollars or more on this hearings getting transcripts court fees alone not counting money I spent on consultation from friends. Not counting ours and ours of writing answers to file at the court and missing work. The things I mentioned above for evidence was all in the state courts statue yet judge ignored it thats fraud upon the court by the court.Morgan XXXX pc sued me on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I bought the car from dealer and the car had some issues, I was promised that they will take care of it and months go by no action ever taken. I called them to pick up the car because it was getting worst after three weeks they pick up the car and when I went to talk the dealer they wanted me to pay for a car that they have and already sold to somebody else and I told them I'm not doing that I thought they were fixing it so i can have a reliable transportation instead they sent me to the credit bureau. I tried to get it resolved with the dealer and the dealer is no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
A company called Portfolio Recovery Services have called me at least once a day ( even after XXXX ) since at least XXXX of 2020, at different numbers that I've reported and blocked. I've tried speaking to them about what they want, and they won't give me any information unless I pay them first, which seems predatory and a scam. Nobody will give me any information but insist on calling me day after day with no messages, no letters, no emails, nothing to follow up with. I refuse to deal with them to resolve any issues because of the harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC
State: GA

Complaint narrative:
This company reached out to me and I informed them this credit card was apart of my chapter XXXX. The rep I spoke to notes that on the account. They still proceeded to add it as a collections on my credit. This is a violation and the company should be fined. I just received a letter from the company the day after it was added to my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14 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: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MA

Complaint narrative:
Hello, My name is XXXX. I recently moved to the XXXX to live with my parents in XXXX XXXX. I quit my job in XXXX, Ma so that I could come down. I lost my phone a few weeks ago and in doing so, lost the ability to connect with my Cash App. as it sends a code to my phone to be able to sign in. I did not have the money to go out and buy another phone. I called the company and also emailed Cash App support and was presently surprised they were willing to help me. I emailed them back and forth for about a week, they ended up telling me that they are unable to transfer my money to the new account that I created. here is the Email I received. Please let me know if you can help me. This my last paycheck and I really need the money. Thank you, Hi XXXX, This is XXXX from Cash Support. Thanks for reaching out. I understand how concerning it is to have lost access to your previous account. I'm here to give you some context about what's happening. 

After taking a look at your account, I can see that we're unable to grant access to these funds for security reasons. To protect your current account, we can not override this decision. 

You may continue using your current Cash App account to send and receive payments. 

Please feel free to let us know if you have any more questions. We're here to help! 

Kind Regards, XXXX XXXX. 
Cash App Support

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: LEXISNEXIS
State: AL

Complaint narrative:
I have been disputing with Lexis Nexis since XX/XX/2021. Lexis Nexis is reporting an unverified Bankruptcy on my credit report and their 3rd party system. Per the courts, they do not furnish public records. I have attached the letter sent by the courts to validate my proof of dispute. Per 15 U.S Code 1681 ( b ), I did not provide written instructions to furnish my credit report, cease and desist all collections and reporting activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is a terrible company I was included in the leak they had and selected to get free credit mentoring membership however my account with equiafax.com never worked once since i set it up. Every time i try to access my report online it says this We are temporarily unable to complete this request. When i try to access my report from XXXX it never allows me to access my report even though i have answered all security questions correctly. For years i have had issues trying to access my credit report online with equifax, XXXX is the only company whos website works I have the same problem with XXXX their website doesnt work and wont allow me to access my report, I call them to try to fix and nothing ever happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2021, XXXX XXXX, a Wealth Relationship Manager at Citibank, informed me of a promotion going on at Citibank ( deposit {$50000.00} into a Citi XXXX account and receive a {$700.00} bonus later on ). On the phone, he did not mention too many details. I initially transferred the money from another Citi account ( granted, I did not realize at this time the money had to be " new to Citi '' ). 

On XX/XX/XXXX, XXXX notified me that the deposit was ineligible ( as it was not external ) and told me that I would not be eligible for the bonus. I was more disappointed that he notified me after the 30-day rule that stipulates " Within 30 days of the opening of the new eligible checking account, any owner of either eligible account must make a deposit of {$50000.00} or more in New-to-XXXX Funds into the new eligible checking account. '' This delayed communication seemed to be deliberate to avoid payout of the bonus promotion. 

XXXX went on to mention that I could deposit {$50000.00} more into Citi ( from an external account ) and that he would submit an appeal on his end in two more months. He did note that this was not a guarantee. 

On XX/XX/XXXX, I was notified that I would not be eligible. I called customer service at Citi and they read off the letter I was already sent and were of no help. 

Citibank should NOT have conveyed that I could be eligible for the bonus. The delayed notification in the beginning now seems deliberate in order to hold my capital for a longer period of time with no intention of paying out the bonus. This was a bait and switch tactic to maintain a hold on my capital for a longer period than conveyed.

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 2021-08-14 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: NCB Management Services Inc.
State: SC

Complaint narrative:
NCB Management Services XXXX XXXX XXXX XXXX PA XXXX On XX/XX/2020 NCB Management Services added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$7600.00}. After further review I realized that the XXXX date on the account was inaccurate across all credit bureaus, which should not occur. I also realized other simple mistakes are reporting about this account. The Fair and Accurate Credit Reporting Act ( FACTA ) protects me from having erroneous or false derogatory info be posted on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
Loan Servicer made an unauthorized withdrawal from my checking account, then returned the money. Now the platform will not allow me to pay by check while online. I called twice and they will not resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital ONE Auto Fin keep showing up on my credit Im not applying for it so i dont know why its showing up on my credit! I call them about this and they say i have to call XXXX. When i call XXXX they say I have to call the creditor Capital One. Stop pulling my XXXX credit! Do not pull my XXXX credit again!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I filled out an online application for a XXXX  credit card offered through Barclays. After a full month I did not have any reply, so I again filled out an online application. I then received a letter saying they needed copies of my Driver 's License, Social Security Card, and utility bill with my name on it. On XX/XX/XXXX I sent photocopies of my DL and SS card, and an original utility bill to : Card Services XXXX XXXX XXXX XXXX, DE XXXX I then received a letter from Barclays saying my application was declined for " Too many recent applications. '' I waited another two months, applied again online, and again received a request for the same documents. On XX/XX/XXXX, I resent new photocopies and a utility bill to the same address above. I then again received a letter saying my application was declined for " Too many recent applications. '' In my previous complaint, it appears Barclays responded they did not receive the documents. Barclays has yet to even pull 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 2021-08-14 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation