vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I have been a member of USAA for at least 10 years and have had a credit card through them for some time. The primary reason I have this credit card is to take advantage of their rewards and 0 % transfer deals they offer from time to time. Apparently they don't like this as they have caused me a few heart aches with their dirty little business XXXX. they like to pull from time to time. For example, I used the card and took advantage of a balance transfer deal they offered in XX/XX/22, then in XX/XX/22 I noticed there was a charge of {$100.00} posted to my account that I didn't make. I called their customer service line to dispute this charge. As you probably know, when you do these transfer deals the credit card company 's that offer them always have some conveluted/confusing system of applying payments especially when you charge things above and beyond the balance transfer- in other words when you do these dont charge anything until the balance of the balance transfer is paid off. The way I was treated when this dispute was brought up was telling, they gave me a run around didn't want to credit etc ... after much hassel I finally got the credit and all was good, but not without a lot of hassel from USAA. So, fast forward a few months and now these corporate XXXX  want me to provide information when I log into my account on line that was provided when I opened the account and I have not responded. They have now restricted my on-line capability pretty much nothing because of my not responding. I have never missed a payment nor gone over my credit limit or anything like that they are simply flexing their muscles to make my life miserable because I take full advantage of their rewards and balance transfer offers- they are nothing but corporate XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: IN

Complaint narrative:
I notified both Transunion and XXXX of an account that arose from identity theft. I sent an affidavit via US mail certified. I included all documents that are required to report identity theft to consumer reporting agencies, including identification along side, Social Security card, which is needed to legalize an affidavit document. In response, neither consumer reporting agency followed, correct protocol outlined in the federal credit reporting act by blocking such information within four business days yet both companies have sent me a response, one electronically and one via mail stating they dont believe the documents sent In were made by me. Well thats impossible? The documents were notarized. This is blatantly knowingly and willfully, stalling my request and to continue to report this record that stemmed from identity theft. Most likely their response stems from the fact I identified the companies who committed identity theft against me, which is trans Union, XXXX, and XXXX. XXXX has since deleted such account. I have attached many documents associated that have been sent out in regards to the complaint.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: IL

Complaint narrative:
I am A Victim Of Identity Theft I Tried Calling A Company To See What Information Is Being Reported About Me & They Refused To Release Information & Requested Me Right A Letter I Will Right This Letter Aswell As Letting The Legal Authority Know After I Already Filed Police Report I Will Also Include A Copy To The Company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NV

Complaint narrative:
I recently obtained an insurance quote, and then attempted to get a copy of my latest insurance report from Lexis Nexis. However, Lexis Nexis is saying that my information doesn't match ; which doesn't make sense because my information has not changed since I last received a copy of my insurance report from Lexis Nexis, back in XXXX. 

Lexis Nexis is now demanding additional documentation ; but the letter I recently received from Lexis Nexis, on XX/XX/XXXX, states that, " additional documentation is NOT required for a consumer to request their file. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Westlake Services, LLC
State: IN

Complaint narrative:
This company has been breaking consumer rights law and violating my rights for the past 6 months and refuses to comply with the law and fix their mistakes on my credit report. 

I opened my mail and noticed that I was sent a 1099 for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.

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 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XXXX XXXX XXXX is the date on a letter that I recieved from American Express regarding my XXXX XXXX ending in XXXX. The letter advised they took my no preset limit and reduced it to a {$4700.00} limit. Their reasons of doing so are invalid. They stated that based on my credit report, I am or were past due with another creditor. Secondly, I have too many requests for credit. I have contacted XXXX and they have stated when i called them on XXXX XXXX XXXX that they do not know where American Express has obtained such negative and derogaratory information. XXXX assured me that AMEX was not provided any negative information about me regarding the letter dated XXXX XXXX XXXX I did obtain a copy of my XXXX credit report on XXXX XXXX XXXX and my XXXX was XXXX. Today, during this complaint, My XXXX  is XXXX with XXXX. I would not have a high credit score if what AMEX is saying is true. However, on XXXX XXXX XXXX I had 2 inquires, as of today, XXXX XXXX XXXX I only have1 inquiry. I would like to know where AMEX has obtained such false records about me and my credit. I did overnight a 170 page XXXX Credit Report to American Express at XXXX XXXX XXXX XXXX XXXX, TX XXXX with tracking number XXXX via XXXX. The actions you took on my account was uncalled for and unethical. I am not paying you ( AMEX ) a {$690.00} annual fee to have a credit limit of {$4700.00}. What benefit is there to pay {$690.00} annual fee for a {$4700.00} credit line. You have until XXXX XXXX XXXX  to get my account restored back to no preset limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

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. 

Account number : # XXXX, Account name : ARS ACCOUNT RESOLUTION, 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 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
n 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. 

XXXXXXXX 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 Account name : XXXX XXXXXXXX, 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.

15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to.

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 2023-03-13 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: NV

Complaint narrative:
I sent method of verification dispute to Experian and never received a response within the 30 day time frame and nothing was updated and or validated from my credit report below is the following account that was never verified and must be REMOVED : XXXX XXXX US DEPT EDXXXX XXXX US DEPT ED, US DEPT ED, US DEPT ED, US DEPT ED, US DEPT ED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) - Collection, XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry, XXXX XXXX- Inquiry, XXXX XXXXXXXX XXXX- Inquiry, XXXX- Inquiry, XXXX XXXX Inquiry, XXXX XXXX XXXX- inquiry, XXXX XXXX XXXX XXXX, XXXX- Inquiry XXXX XXXX XXXX Inquiry, XXXX XXXX XXXX, XXXX XXXX- Inquiry

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 2023-03-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Just received your answer with reference to complaint XXXX submitted on XX/XX/XXXX, however this Synchrony Bank did not respond correctly to the disputed item here that is still showing in my account. An item that was delivered - Door covering that was not installed at all. The amount of the item is {$660.00} and its still showing in my account and needs to be credited as I do not have this item. 
Synchrony bank received all my documents and this amount is not my possession of which the merchant refused to install in XX/XX/XXXX and with all the issues that the merchant- Lowes has put me thru, I have the right NOT to purchase this covering anymore. Lowes refused installation from XX/XX/XXXX. All letters and documents has been provided with Synchrony and they have never responded to this amount on dispute. Synchrony Bank needs to credit item that was not receive at all or not in my possession. 

The merchant-Lowes sent an incorrect window covering and refused to acknowledge the fact that they committed a mistake and insist that I enter into agreement. An agreement that never stated that even if you receive a wrong item, you as a customer will pay for it. The amount of this item is {$500.00}. Both these amount are still showing in my account. 
{$500.00} - Incorrect Item {$660.00} - Item that was NOT Delivered

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 2023-03-13 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: FL

Complaint narrative:
I have a bj credit card and the credit card company closed my account with out my approval and know it showing on my credit report and the credit card company dont want to to give me any answer or information they just want me to pay the bill but I never approved for this credit card to be closed the credit card company is comenity bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Inaccurate balance showing in credit report. Last credit card statement end balance was {$0.00} which statement ended the end of XXXX. I'm attaching the last statement for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: NC

Complaint narrative:
This complaint is being submitted by XXXX XXXX, consumer and natural person. Please see attached identification. The following items listed on consumer report number XXXX, are a direct result of identity theft. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX Please see attached identity theft report. You shall block the reporting of this information in the consumer file of XXXX XXXX, not later than four ( 4 ) business days after receiving this notice.

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 2023-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Our servicer XXXX XXXX moved us to, Specialized Loan Service, who was supposed to send us a new Loan number on XX/XX/2023 by mail. So far they have sent nothing and when I try to call they don't recognize me or my old XXXX loan # and it all is AI driven responses that don't give any resolution. XXXX XXXX is no help either. 

How can a bank transfer an amount this large w/o out any kind assurances that their previous customers won't lose everything? 

YOUR SITE says it can provide a counselor, WHICH IS NOT TRUE. You provide courses and workshops NOT a counselor. You should fix that, it is misleading and a time waster. It is possible people are being sent to the site with that expectation.

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 2023-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been in compliance with all of Wells Fargo request, title clearing, financial documents and paid all the payments they demanded despite the frequent amount changes. I have been trying to participate/obtain a COVID-19 Loss Mitigation modification since XX/XX/XXXX. 

I was told there was an approval in XX/XX/XXXX but never received any paperwork. 
Then I received paperwork in XXXX of XXXX notarized by the deadline sent it back then told it was denied. XX/XX/XXXX of XXXX, I received a Modification package with a higher interest rate and a non reduced payment. 

I don't understand what and why this is happening. I have an FHA loan and meet the qualifications for the mitigation process. Please help me. I have been reaching out for support to no avail. It appears I will have to seek assistance and or report to the media to get an opportunity that has been offered to homeowners across the globe.

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 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a text message that my new Bank of America card was being sent to me within XXXX days. I checked my credit report and it showed a inquiry was made on my credit by bank of america on XXXX XXXX. I called Bank of America fraud department and inquired if an account was opened and they said there was but as of XX/XX/2023 no activity had been shown. They put a stop on the card and will monitor for the next 10 days.

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 2023-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I have been paying on a loan that was originally for {$8000.00} at {$820.00} a month for almost 3 years now and my balance is no closer than the first day from being paid off. I would like to find out my rights and have the interest rates looked at after reading that title max has been practicing illegal interest rate practices. They keep charging me insane late fees and threatening to repo my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have letters to XXXX XXXX  asking them to re investigate because i found errors on mycredit report and asked them to update it or delete it and it came back verified and updated but how could it be if nothing has changed since XX/XX/2022. My Account # XXXX. I paid an Collections and it is not showing been paid. I want this account deleted immediately. you violated my rights under the FCRA by not fairly and accurately reinvesting my disputes. I do have all my letters that i sent certified and the person the signed.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have letters to XXXX XXXX  asking them to re investigate because i found errors on mycredit report and asked them to update it or delete it and it came back verified and updated but how could it be if nothing has changed since XX/XX/2022. My Account # XXXX. I paid an Collections and it is not showing been paid. I want this account deleted immediately. you violated my rights under the FCRA by not fairly and accurately reinvesting my disputes. I do have all my letters that i sent certified and the person the signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: NC

Complaint narrative:
I have letters to XXXX XXXX  asking them to re investigate because i found errors on mycredit report and asked them to update it or delete it and it came back verified and updated but how could it be if nothing has changed since XX/XX/2022. My Account # XXXX. I paid an Collections and it is not showing been paid. I want this account deleted immediately. you violated my rights under the FCRA by not fairly and accurately reinvesting my disputes. I do have all my letters that i sent certified and the person the signed.

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