vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
All of the attachments that will be produced are the accounts in question for fraud and misuse of my information all credit reporting agencies Experian, XXXX, and XXXX should be taken off immediately due to wrongful reporting on accounts that do not belong to me under section 623 you have 30 days to respond with proof of signatures and ID connecting me to this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Delete accounts the accounts that I have no info for because it was 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 2022-11-18 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Hello, A credit card was opened by someone who stole my SSN and XXXX somehow ( assuming it was leaked data I got warnings about from XXXX security regarding accounts using my G-mail ). The credit card company was Synchrony XXXX XXXX XXXX This blemished my XXXX XXXX, so I was able to pull the following from my credit report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - FRAUDLENT TRANSACTION INFO : XXXX via XXXX XX/XX/2022 Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The above was not authorized by me. this was someone with my XXXX and XXXX, who got it approved. They also have my name and address. 

I immediately called Synchrony Bank and they filed an investigation for me and suggested that I reach out to CFPB. their process will take 60 days they said. 

I would like help protecting my identity and also to remove this fraudulent credit check that hurt my XXXX XXXX. 

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 non-monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CONRAD CREDIT CORPORATION
State: TX

Complaint narrative:
Consumer Financial Protection Bureau, I have spoken with XXXX at Conrad to discuss my account directly. I had my daughter on the line so she could talk to XXXX about this matter, as my nerves could not handle the conversation. During the phone call, we asked XXXX to provide in writing that Conrad did not own the debt. She verbalized that they did not but refused to provide that in writing because she did not have a templated response to that question. We then asked her to provide in writing that Conrad would not be pushing the debt back to the original debtor, XXXX XXXX. Again, she verbalized that the account would not go back, but because she did not have a template, she would not send that information in writing. I find it odd that Conrad can not fulfill these requests. After clarifying my position, I find it strange that they will not send the debt back to XXXX XXXX. I have a right to speak with XXXX XXXX directly about my account, but Conrad will not allow me to do so now. I have tried to solve my issues with XXXX XXXX directly, but instead of dealing with my problems, they sent me to Conrad, who is now making everything much more difficult. We have explained multiple times why we do not feel we owe anyone anything and our reasons for wanting to be released from our timeshare, yet no one listens. Hopefully, your influence will produce a better outcome. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I request that 4 companies XXXX Bank, XXXX XXXX XXXX XXXX XXXX and Freedom Plus not to report to any Credit Reporting Agency 's Pursuant to 15 USC 1681 where I have the right to opt-out of reporting any payments, history or any account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I received a letter from Mohela dated XX/XX/2022 indicating that my student loan was not forgiven based on three factors. Those factors were false. I worked for over 11 years in a public school system and Im currently working there. My employer completed the PSLF form indicating that I still work there. Yet the letter from Mohela said that it had an end date which was incorrect. The letter said I didnt indicate I worked full time nor did I show I work at least XXXX hours. The letter from my employer showed that I worked XXXX hours and that Im full time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
The account was closed for XXXX  XXXX  which is false. I made a payment on the account and requested a credit information letter on XX/XX/2022. I was told the letter would be emailed in 1-2 business days. The letter was never emailed. I called again today and was told the letter could not be emailed. I asked why the letter could not be emailed. The representative then put me on hold. She came back and told me the letter would be email within 10 mins and I told her I would stay on hold until I received the email. She told me she could not stay on hold until the email was received. I advised the representative that the call was being recorded for my protection. She then said she could not stay on the line and disconnected the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: FL

Complaint narrative:
To whomever it may concern, The actions of XXXX XXXX  and the various agencies that have refused to address this manner are acting against Fair Credit Reporting Laws. I am attaching additional documentation for my communications with XXXX XXXX. You can see that they inferred that they would make a goodwill adjustment, despite the fact that there was never a missed payment to begin with and XXXX XXXX  has told me each time I call to write a letter or report to the credit bureau to get it fixed. Everyone who answers the phone apologizes and says that they don't have such authority. Please read attached correspondence that are screenshots from communication with XXXX XXXX, as well as the previous dispute.

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 2022-11-18 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: FL

Complaint narrative:
To whomever it may concern, The actions of XXXX Bank and the various agencies that have refused to address this manner are acting against Fair Credit Reporting Laws. I am attaching additional documentation for my communications with XXXX Bank. You can see that they inferred that they would make a goodwill adjustment, despite the fact that there was never a missed payment to begin with and XXXX Bank has told me each time I call to write a letter or report to the credit bureau to get it fixed. Everyone who answers the phone apologizes and says that they don't have such authority. Please read attached correspondence that are screenshots from communication with XXXX Bank, as well as the previous dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whomever it may concern, The actions of XXXX XXXX  and the various agencies that have refused to address this manner are acting against Fair Credit Reporting Laws. I am attaching additional documentation for my communications with XXXX XXXX. You can see that they inferred that they would make a goodwill adjustment, despite the fact that there was never a missed payment to begin with and XXXX XXXX  has told me each time I call to write a letter or report to the credit bureau to get it fixed. Everyone who answers the phone apologizes and says that they don't have such authority. Please read attached correspondence that are screenshots from communication with XXXX XXXX, as well as the previous dispute.

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 2022-11-18 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: OPORTUN FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 

Account name : Oportun Account number : XXXX You're reporting a late payment in XX/XX/2022 yet XXXX and XXXX are reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXXXXXX XXXX Balance : {$6900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
After multiple attempts to have this matter resolved with the debt collector, I am starting to believe this is out of malice.

On page 80 of the attachment you can clearly see the last 4 digits of the account number is different from the account which is falsely accused of being mines.

I will include the evidence as an attachment.

Its labeled as Resurgent Harassment documents. 

To add this company is now including my middle name when originally my middle name was not included. 


The letter that was sent stating my account is a valid account. Is regards to account number ending with XXXX. 

The fraudulent account ends with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I work at XXXXXXXX XXXX XXXXXXXX XXXX, a global professional services firm, partnered with American Express in the United States for all corporate credit cards. I hold an American Express corporate credit card with XXXXXXXX XXXX XXXXXXXX XXXX. I logged into my corporate American Express account on XX/XX/2022 to pay my bill, and I saw an exclusive offer for corporate card holders to apply for a personal American Express card. The exclusive offer noted that I will receive a " {$150.00} recurring statement credit on your XXXX XXXX account after approval, and every year at renewal when you maintain the same XXXX XXXX account ''. I entered my corporate card details to confirm my eligibility ( refer to screenshot # XXXX ). I then applied for the XXXX XXXX through the link provided on the offer page, which again clearly stated the {$150.00} statement credit after approval, and every year at renewal. In addition to the statement credit, the offer included XXXX membership rewards points after spending {$6000.00} within the first 6 months ( which I did receive ). You can also note that the normal offer to non-corporate card holders applying through the regular channel was only XXXX membership rewards points at that time. If I didn't sign up via the promotional link, then why would I have gotten the XXXX points as opposed to the XXXX that was being offered to regular customers. Once I entered my corporate card number and followed the " View my offers '' link in Screenshot # XXXX, I was forwarded to the page where I clicked " Apply Now ''. You can see the same offer was made on this page in XXXX # XXXX. Unfortunately, screenshot # XXXX does not show the " Apply Now '' link that I clicked on, so I have included Screenshot # XXXX to show how the " Apply Now '' link was shown ( Screenshot # XXXX shows the offer for the American Express Gold card, but I applied for the Platinum Card ). Luckily, I took these screenshots because I was showing my friend the two different offers ( Platinum or Gold card ) and I wanted my friend 's advice on which card to get. Finally after submitting my application, I was brought to the page which stated I was approved for the Platinum card ( screenshot # XXXX ). You can see in the website address bar that the URL included " XXXX '' and " XXXX '' - evidence that I signed up via the corporate offer link for the XXXX card. I have called American Express and they have investigated the matter 3 times. Each time they have closed the investigation saying that there was no error on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/2022, I mailed a check for XXXX XXXX Dollars from the XXXX Government by certified mail for deposit into my Capital One checking account. The check was delivered XX/XX/2022. Capital One acknowledged receipt. 

Unfortunately, after more than XXXX months the funds still have not been deposited into my account. I have made multiple inquiries over the past XXXX months. Customer service staff reported that the delay is because the XXXX XXXX Department did not get a response from the payor ( XXXX XXXX XXXX, the equivalent of the IRS ). Customer Service staff could not tell me the nature of the information requested or the process for resolving the problem. Despite requests for more information about how Capital One would resolve the problem, I have received no additional information and the check has still not been deposited. 

On XX/XX/2022 I mailed complaint letters to Capital One 's Main Office and to the XXXX XXXX XXXX. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I request that XXXX companies XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX not to report to any Credit Reporting Agency 's Pursuant to 15 USC 1681 where I have the right to opt-out of reporting any payments, history or any account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I applied for the Citi XXXX XXXX XXXX Credit Card on XX/XX/2022. I received a denial of credit letter from Citi stating why I was denied. As stated in the letter dated XX/XX/2022, their decision was based on information they received from a customer reporting agency. 

It is my comprehension of Regulation Z and Title 15 USC Sub-chapter 41 I thru VI, more specifically, Title 15 USC 1691a that any application that is denied for any reason is discrimination. I filled out the application in good faith as an applicant and an extender of credit.

I also comprehend this extension of credit in the form of a card which would be used primarily for consumer credit transactions for personal, family, and household purposes. It is also stated in 12 CFR 411 that all debt including all taxes, customs and pulbic debt is the obligation of the United States. 


Accordingly, 12 USC 1026.2 ( 15 ) ( i ) states any card is a credit card. During the process of filling out the application, I provided my Social Security number from my Social Security Card. If I provided this number, why was I denied? When I provide other card numbers, debt gets paid. Using this logic, I must have prepaid for this credit card when I provided my Social Security number. So, why was I denied?

I believe this information to be true and factual to the best of my knowledge and belief, however, and most importantly, because Congress says so.

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 2022-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was suppose to close on XX/XX/2022, but on XX/XX/XXXX around XXXX, a representative from Morgan Chase Bank, which I was using do finance a mortgage loan, calls me and tells me that the monthly amount was going to be around {$500.00} more. I asked why, they said because they estimated the taxes wrong. They applied the amount the seller had been paying and that I would have to pay more on taxes because I didnt qualify for the deductions the seller qualified for. I asked them, well, arent you guys working and analyzing numbers for me? And why did this change come up the day before I was supposed to close? I called the title company and asked when the tax information was sent to Chase Bank, they said it was sent to them on the XXXXXXXX XXXX XXXXXXXX. I told Chase bank that this change in payment made it not possible for me to purchase the home and that they should have told me this change in monthly payment way before XX/XX/XXXX, the day before closing, and I could of backed out of the deal and kept my earnest money. I have been trying to work on a solution with Chase bank since XX/XX/XXXX until today, XX/XX/XXXX. Today finally someone from their escalation team called me back and told me they apologized from them dropping the ball on the tax amount but they would not make me whole in my earnest, good faith money I lost on the deal. Its was their fault, they admitted to it and they dont want to repay me the money I lost trying to buy this house. I think its unfair, unprofessional, and them hiding behind supervisors and not facing their mistakes and do the correct thing and repay what I lost. Its not big deal for them because its not their money but it is for me. Its embarrassing, humiliating and disheartening having to tell people, oh no Im sorry, I cant get the home after all, I cant afford it, when its not even me the person who miscalculated the payment amount. Chase Bank should not be doing mortgage loans if they dont know how to add or subtract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
I never signed a contract with XXXX XXXX for a gym membership and was told it was a month to month membership that I could cancel at anytime. I called the gym and told them I no longer wanted to have a membership. I was not told it needed to be in writing. Now XXXX XXXX XXXX has called me several times over the last two weeks and when I explain this on the phone, they just hang up. Today, XX/XX/18 I told them not to call me back. They yelled on the phone and told me when I signed a contract, I needed to send them a request via mail to get a copy of the contract I signed, that I would be reported to the credit bureau and when I felt like paying my debt call back and hung up again.

Company response to consumer: Closed with explanation