vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account status incorrect
Company: Conn's, Inc.
State: MS

Complaint narrative:
Conns XXXX XXXX reported a late payment on my account when I paid them back in XXXX I've paid them every month on time for the last 4 years and they reported late for 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX  XXXX  reported a late payment on my account when I paid them back in XXXX I've paid them every month on time for the last 4 years and they reported late for 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 non-monetary relief
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: PA

Complaint narrative:
Goodleap is the lender for XXXX XXXX which went bankrupt on XX/XX/XXXX XXXX state Attorney Generals have requested all the lenders with XXXX XXXX customers suspend the loan payments. Goodleap is refusing to do that. My solar system is 100 percent nonfunctioning for close to a year now bc of installation and insulation faults. I have requested from Goodleap a letter stating that my payment not be raised in XX/XX/XXXX or XXXX/XXXX bc I havent reached the targeted balance they want by that time cause I cant afford to pay thousands extra my utility bill is very large bc of no solar Goodleap is refusing to work with its XXXX XXXX customers and ignoring the requests of 9 state AGs I havent stopped auto reg payments to Goodleap but they will not work with me to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BlockFi Inc

Complaint narrative:
On XX/XX/2022 XXXX XXXX I submitted a transaction to withdraw XXXX ( XXXX XXXX ). 
The Estimated delivery date was XX/XX/XXXX, XXXXXXXX XXXX The transaction is still pending and XXXX waiting way over the maximum sending time of 7 days. 

Nowhere in BlockFI terms is written that it is allowed for them to pause client withdrawals. 
Furthermore they guaranteed that " BlockFi shall not sell, transfer, loan, hypothecate or otherwise alienate cryptocurrency held in [ my ] BlockFi Wallet [ ... ] ''. Thats because they claimed in their Terms that " the title to the cryptocurrency held in your BlockFi Wallet shall at all times remain remain with [ me ] and shall not transfer to BlockFi. '' On XX/XX/2022 I contacted BlockFi and created a ticket concerning this matter. 
Until today I received no answer.

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: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Someone opened a bank of America card in my name on XX/XX/XXXX. I called them immediately. 
They said they would close the card, open a fraud claim, and send me the information used to open the card. 
XX/XX/XXXX I called to check the status and they said no one opened the request. I spent almost an hour and a half on the phone being passed around and around. 
I was then told I have to send a copy of my driver 's license and social security card in the mail ( some said maybe fax ) to get the info. I said I'd like a different option like going into a branch location for them to verify my identity and they said no. I'm not comfortable sending those XXXX pieces in the mail or to any company in case they are breached. Because then the bad guys have more of my info. 
They cited a XXXX decision to ensure the identity of the person but in today 's day and age anyone can get copies of those things. It's 100 % guaranteed if I go to a branch they can confirm my identity. Sent copies by mail could be anyone. 
They need more options and I need the info used to open the credcard in my name

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Good Day Everyone, I had a forbearance for my mortage during the pandemic because my health was compromised and could not work.

However, when the forbearance ended, Freedom mortage waited until the interest rates went up before they removed me from the foreberance. 

My forbearance ended in XX/XX/XXXX, they waited till XX/XX/XXXX before they finalized me back into the system with the highest interest rates ever. 

I was supposed to be paying between {$1200.00} to {$1400.00} with low interest rates but they waited until it went up to {$1600.00} before they brought the paperwork for me to sign. They purposely withheld the low interest rates paperwork for about 7 months. 

I called every XXXX weeks and they kept giving me the run around saying my name was incorrect on a paper work to sign. 

They stated that the low interest paperwork was handled by a XXXX party company and they can not do anything about it. That was almost 7 months of waiting. 

However, when the mortage interest rates skyrocketed by XXXX XXXX, in less than a week of them calling me about it, they delivered the paperwork via XXXX  to my door and sent in their own payed XXXX XXXX come to house to ensure I sign their high interest rates.

I believe this was done on purpose to make sure they keep me on high interest paying rates.

2. Another thing they did was that they refused to grant me access to my mortage equity. 
My equity grew during the pandemic, and I wanted to acess it, the mortage officer assigned to me stopped answering my calls and emails and never gave me a reason why I could not acess it. 



XXXX. The XXXX thing is that they they have a negative missed payment ( XX/XX/XXXX ) on my credit history. That single act have kept my for my credit scores low since XXXX. I have never missed a payment but they have that on there. 

This company called XXXX XXXX have done this things to me and made my life hard. 

Thank you. 

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I.m want to file a dispute on my credit report being mishandling by companys running my credit score with out my permission and those recent inquiries need to be removel to update my new credit reported without inquiries on my 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: 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: MI

Complaint narrative:
I recently sent a dispute stating that they are reporting inaccurate and unknown information on my credit report. To this day they still have not removed it and I am attaching proof that it is totally inaccurate reporting. I am furious this is still on my credit report. I also have been seeing big lawsuits against these guys which is a big concern and I am ready to file for litigation if they do not remove after this. They are violating multiple laws and I never heard of half of these accounts they are reporting nor gave them permission to put it on my report. 

I have pretty familiar with Fair Credit Reporting Act and consumer law and will list the violations. 

These are the accounts that still must be removed. 

1. XXXX  XXXX Acct # : XXXX This account is not mine and it has different information across the bureaus and I am attaching proof. 

2. XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached XXXX. XXXX Acct # : XXXX Never even heard of this company and they are all reporting different information and it must be removed. Proof attached 4. XXXX XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached THESE ARE THE LAWS THEY ARE VIOLATING 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. 

I understand they are in a lot of heat right now and all I am asking is that they finally remove these unlawful accounts reporting so I can acquire credit as this is hindering me. I am filing with CFPB to document all of this if I have to file for litigation.

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: 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: MI

Complaint narrative:
I recently sent a dispute stating that they are reporting inaccurate and unknown information on my credit report. To this day they still have not removed it and I am attaching proof that it is totally inaccurate reporting. I am furious this is still on my credit report. I also have been seeing big lawsuits against these guys which is a big concern and I am ready to file for litigation if they do not remove after this. They are violating multiple laws and I never heard of half of these accounts they are reporting nor gave them permission to put it on my report. 

I have pretty familiar with Fair Credit Reporting Act and consumer law and will list the violations. 

These are the accounts that still must be removed. 

1. XXXX  XXXX Acct # : XXXX This account is not mine and it has different information across the bureaus and I am attaching proof. 

2. XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached 3. XXXX Acct # : XXXX Never even heard of this company and they are all reporting different information and it must be removed. Proof attached 4. XXXX XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached THESE ARE THE LAWS THEY ARE VIOLATING 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.

I understand they are in a lot of heat right now and all I am asking is that they finally remove these unlawful accounts reporting so I can acquire credit as this is hindering me. I am filing with CFPB to document all of this if I have to file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I had a car loan with Santander consumer USA. My first late payment was in XX/XX/2015. I had asked them to up date the information as it will be coming off of my report soon and they went back into their records and put that I was never late. I honestly had a difficult time paying this company and I later found out that they were a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2021, Chime bank sent me an email informing me that my account had been placed on " hold ''. However I found myself completely blocked from all access to the account, an Chime support team asked for documents verifying some of the account activity ( specifically both {$10000.00} & {$20000.00} deposits made from XXXX  XXXX, a company contracted by online gambling site XXXX XXXX  XXXX. ) I'm in proved all the asked for documents including a detailed list of all transactions depositing funds from the cash in outs I had made in the online gambling platform ; still this was not sufficient for chimes support team. I continued trying to satisfy their verification requests until they started asking for verification of transactions that did not even occur on my account, and eventually they closed the account completely and still are refusing to return the remaining balance still in my account, a total of about {$10000.00}. I've been trying to get this issue resolved for over a year now.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have started disputing errors, omissions, and inconsistencies on my credit reports on all 3 major credit bureaus. I know Barclay 's received my disputes because of XXXX After 45 days, I noticed my disputes were ignored, and not even marked in dispute. I disputed the account again though the credit bureaus, and with Barclay 's directly. While one or 2 of the items I disputed were modified, the credit reporting is still loaded with errors. After consulting with a professional, I decided to file for arbitration against Barclays in XXXX. It is now XXXX, and other than their attorney introducing themselves, no action or communication has happened. Even now, I am willing to resolve the matter if they would simply communicate with my authorized representative.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a member of XXXX XXXX XXXX XXXX ( XXXX ) and have been since XXXX. I also have an XXXX Credit Card that was managed through XXXX Bank. XXXX claims to be a cooperative with all members having a stake in the company. Last summer, to begin in XXXX of XXXX, the management decided, without any input from the members, to change banks managing the credit card to Capital One. They sent out many, many notices both in paper and online about all the benefits of this change. 

They also sent a XXXX, single-spaced document using a tiny font, describing in great detail all the changes. Somehow I missed the section on Rewards Redemption, a mere 6 sentences, that would begin on XX/XX/XXXX. The change is drastic. Previously XXXX Credit Card Rewards could be received via cash or check. NO OTHER NOTICE to this effect was sent. XXXX has a XXXX rating with the XXXX XXXX XXXX and is NOT XXXX Accredited. There have been 46 complaints in the last three years and 16 in the last 12 months at the XXXX. Many of them repeat what I have stated above. Insufficient notification was given, along with deadlines clearly delineated, when a credit card holder could redeem the rewards in cash. Now the money must be spent at the store. 
I have {$380.00} in rewards and I have asked for the money. They refused. 

Initially I was told a check would be sent within the next week to 10 days. I waited. Nothing. I called again and then was told about the new policy and that nothing can be done about it. I do NOT want to spend that money in the store for items I do not need. I am an older person and can no longer use most of the merchandise in the store and the clothes are generally much too large for me. 

I have emailed the Board of Directors on XX/XX/XXXX and again on XX/XX/XXXX. I included the CEO in the second email. I have had NO response from them. Last week I contacted XXXX XXXX XXXX with my concerns. I was unable to locate a direct email to the XXXX, XXXX XXXX. 

XXXX is no longer a Coop as they claim. The salaries of the Management and the Board Members are way out of line with a company that claims, in their self-description, to serve the best interests of the members.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
Wrong date on credit report ( XX/XX/2022 ). Also, duplicate report on credit report. The company is Professional Credit Management out of XXXX, Arkansas. This Credit agency keep renewing this duplicate debt date. which my insurance paid. I have tried disputing multiple times with no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 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: Chime Financial Inc
State: FL

Complaint narrative:
On Friday, XX/XX/2022, I received a text confirmation from a company named Chime with a security code instructing me not to share it with anyone to keep my account safe. I have never had any knowledge of this company and immediately suspected a fraud attempt using my cell phone number. The customer service service phone number to report fraud was ( XXXX ) XXXX. I obtained this phone number after a web search. I spoke with 2 different customer service agents. One would not divulge her call center location. The other would only say that they are offshore and do not have any service in the United States. Neither customer service agent could provide me with a fraud hotline phone number. I also refused to share my email address with them, as it could have been a further attempt to phish my personal information. I have never experience any legitimate credit card or financial institution which had no fraud hotline. The customer service agents did not even try to look up my phone number and check for a new account being opened. The only address that I found listed for this is a XXXX XXXX XXXX 

Chime XXXX XXXX XXXX XXXX XXXX, CA 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: PA

Complaint narrative:
information was submitted without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit & Collection Recovery Services, Inc.
State: AL

Complaint narrative:
I have a bill which is from the company with all the products information and account number someone I know got a bill as well with the exact information and account number. So please make this make sense before I lawyer up. This is not a error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The McHughes Law Firm, LLC
State: AR

Complaint narrative:
XX/XX/2022 my Drivers License was suspended due to a debt of a little over XXXX dollars for an old accident. I was never notified I was getting sued. They had wrong name and addresses when I was sued and license suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I got scammed out of {$320.00} of cashapp and I call and texted them about it and they told me that they cant do anything about it and lied to me about it so they didnt care and didnt listen to me at all.the first transaction it was {$300.00} dollars then the second transaction was {$26.00} dollars.

Company response to consumer: Closed with explanation