vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 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: NJ

Complaint narrative:
I feel completely violated by the bureaus and the following 3rd parties, at the top of the year I went to apply for a mortgage and I was denied after learning that my reports were all wrong. I saw a few accounts that are being reporting without my knowledge nor consent. XXXX, Equifax and XXXX XXXX has helped them get away with it by furnishing these account that were not once verified by me nor my spouse. No consent is identity theft and I don't appreciate it.These incorrect items are harmfully blocking me from extend my rights to lines of credit. As it it my written request to delete the following.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/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 2023-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
Several complaints have been filed against Rushmore Loan Management Services regarding a alleged modification that was done on my deceased father 's loan. 

This loan that they are using to foreclose on the home never passed the trail modification and Rushmore and the previous servicer XXXX Mortgage have been refusing to put the loan back to its original state. 

Rushmore and XXXX mortgage are reporting false information on this loan that can be proven with the original documents from the previous servicers XXXX and XXXX but they are refusing to give me the documents that I am requesting from the original servicers XXXX and XXXX. 

Also, after the last complaint filed with you Rushmore is refusing to give me information about the loan because they have changed me from a borrower to a successor of interest and trying to force me to sign a document to accept the changes. 

Again I have spoken to XXXX XXXX and XXXX yesterday who said that when they transferred the loan to Rushmore I was a borrower who assumed the loan since 2008 I am about to apply for another modification but I was informed that they will reject the funds from HAF because THEY say that I am a successor of interest. This makes me uncomfortable because this is the last modification I can do and the funds must be applied. 

I am filing this again because Rushmore refuses to comply with providing with the documents that I am requesting from the lockbox and they have changed my role from a borrower to successor of interest which is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I contacted American Express because I received by email an offer to sign up for the Business Platinum to receive XXXX points and Business Checking account to receive XXXX points ; and then an additional XXXX points for doing both. I received the XXXX and the XXXX points, but never received the additional XXXX points. 

On XX/XX/XXXX I followed up and was informed that my rewards were denied because my " offers were not linked ''. I have looked through the fine print in the email and I have satisfied all of the conditions. It seems like something went wrong on their end they didn't track the offers together, which seems very strange- the email doesn't mention having the offers linked - I applied for both on the same day - so it shouldn't be difficult for them to track the applications together

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Please refer to the letter that was sent to this company on XX/XX/2023 and the other attached evidence that proves this company has violated my rights as a federally protected consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/23 and XX/XX/23 my ( XXXX ) WELLS FARGO debt card was stolen from my wallet and used at a various stores and a lot of fraud unauthorized charges are on my statement, I filed claims ( # XXXX ) and ( # XXXX ) I was told the money would be returned to my account in 10 days. So soft this issue Please refund the money that was stolen from my account. You can contact me at XXXX Thank you!

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 2023-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
In XX/XX/2023 the company Monroe and Main showed up on my credit report. I had never heard of this company before nor had I opened any accounts. I called the company and they stated that they had my name and information but I showed no order history and had a balance of {$0.00} owed. The company reported on my credit that I had a credit limit of XXXX $ and owed XXXX XXXX The company assured me that it was their mistake and had closed the account and had requested to the credit bearues to take the account off. Still the account is on the reports and whenever I try to dispute it the company is saying the information is accurate, when in fact it is not accurate at all. I just contacted the company again a few days ago and they are telling me still they made a mistake and have requested it be taken off. The beareus are still stating they have not made any requests and the company is still yet reporting the same fraudulent information. I also contacted the XXXX  and the company even stated through those messages that the information is inaccurate and they would fix. I am still having to fight this and it has ruined my credit by XXXX points down and my credit age and payment grade are terrible because of this one company 's false reporting. I am at a dead end and have no idea what else to do but to get a lawyer and sue the company for fraud and defamation of character. This has caused me alot of stress and financial anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Please refer to the letter that was sent to this company on XX/XX/2023 and the other attached documents for evidence of violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was promised concert tickets so I sent the money via XXXX. Never got the tickets and have proof of the promise of tickets and my bank is unwilling to help get my money back because they say I did authorize it. Which yes I was stupid and fell for a scam but there should be no reason I can not get my money back

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 2023-04-29 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX. 
XXXX XXXX XXXX XXXX NJ XXXX XXXX You are direct violation of the fair credit reporting act ( XXXX XXXXXXXX ) has violated several of my rights 15 U.S.C 1681 section 602 clearly states that 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 an account without my written instructions 15 U.S.C 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 Remove these/all late payments and update these accounts immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: IN

Complaint narrative:
I don't recognize and I didn't authorize the following inquiries on my consumer reports. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 Please remove this inaccurate information. 
Thank you. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MO

Complaint narrative:
{$500.00} was taken from from cashapp available balance on XX/XX/XXXX going into XX/XX/2023. The company ( Cashapp ) can not tell me where my money is or what transaction lead to taking it. Please I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Institution Information SYNCHRONY FINANCIAL XXXXXXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX From : XXXX XXXX We found a new hard inquiry on your file Between XX/XX/XXXX, and XXXX XXXX, XXXX, an inquiry made by SYNCHRONY FINANCIAL was added to your credit report. 

Applying for a new line of credit will usually result in a hard inquiry on your credit report. You could also see inquiries from applications for a new apartment, phone or utilities account. 

Institution Information SYNCHRONY FINANCIAL XXXX XXXXXXXX XXXX XXXX OH XXXX ( XXXX ) XXXX I did not make these inquiries.

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 2023-04-29 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: TX

Complaint narrative:
The American Express Marriott Bonvoy Brilliant credit card offered a {$300.00} credit per membership year for purchases made at Marriott hotels. On my statement with a closing date of XX/XX/2022, I received an " Important Notice '' from American Express that stated, " Effective XX/XX/2022, the {$300.00} Marriott Bonvoy statement credit benefit will no longer be available. It will be replaced with a new benefit of up to {$300.00} in statement credits per calendar year ( up to {$25.00} per month ) for eligible purchases at restaurants worldwide. You will have until XX/XX/2022 to use the {$300.00} Marriott Bonvoy statement credit benefit made available on your account opening date or last account renewal date. '' My account renewal date was XX/XX/2022. I made a Marriott Bonvoy purchase of {$310.00} on XX/XX/2022 at XXXX XXXX  EST, for which I have a receipt. Marriott  refused to give me a {$300.00} Marriott Bonvoy statement credit. When I called American Express, the representative refused to issue a credit, claiming that I " wasn't eligible for a credit between XXXX, '' which is in direct contradiction of the terms provided to me and cited above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023, I deposited my paycheck from my employer ( XXXX XXXX XXXX XXXX XXXX ) at a capital one branch. I was then told I can't receive my money as there is a " fraud '' check on my account. I have had those account for years ( 4 years ) without any issues. The bank refuses to close out my account or return the check ( my hard earned money )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: NC

Complaint narrative:
I applied for an auto loan with XXXX on XX/XX/2022, my loan was denied due to Equifax reporting an incorrect score at that time. On XX/XX/2022 I was notified of this error via letter from XXXX. 

The incorrect reporting of my credit score caused me to have to finance a car loan at a higher interest rate than I would have been able to secure with a correct credit score. Additionally, I had to pay a down payment that I would not have had to if my loan had been approved with the correct credit score. 

I am disappointed that this error was not caught earlier and that it took almost eight months for me to be notified of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ

Complaint narrative:
XX/XX/XXXX I contacted Cardinal mortgage company regarding the status of an ongoing reanalysis of my escrow account that had taken nearly 45 day to correct. I was concerned about the delay because the payment might be reported late if not correct by the end of XXXX. I was assured by the company the payment would not be reported late if the matter was not resolved before XXXX. The matter was not resolved until XX/XX/XXXX. Cardinal reported the payment late and did not honor their words. The rep stated thr he would have it he late payment removed. I have a receipt to attest to this. It was not removed and remains. I have contacted Cardinal and the credit bureaus and it has not been removed or resolved despite proof. It has impacted my ability to get the best rate for a new home purchase. I have been trying to resolve this since XX/XX/XXXX. They will not correct the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
XX/XX/2023 - I have disputed a bankruptcy in my XXXX public records. My credit monitoring service has detected the us of my name and social security using the address XXXX XXXX XXXX, XXXX, North Carolina XXXX. I have disputed this bankruptcy with and address with LexisNexis. Both consumer credit reporting companies keep verifing this fraudulent activity after investigations. I have attached the Identity Alert from my credit monitoring service XXXX XXXX to show proof that someone is still trying to use my name and social security number on the DARK WEB and they are using the same address that is reporting on my LexisNexis consumer file. Screenshots attached to show proof. The information is not information relating to any transaction by me. THIS IS NOT A ERROR! 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I tried obtaining a credit report from TranUnion I submitted all the required documents and paperwork. I dont have a driver license, utility bill or SSN card to send transunion .IXXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Kentucky . Someone else used my SSN and got credit in my name so Im trying to disputes all negative things on my credit and get free report sent to me but running into issues and barriers.

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 2023-04-29 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights, 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I used my PayPal credit card ( issued through XXXXXXXX XXXX  ) to purchase an XXXX XXXX from XXXX XXXX ( Pay Pal Invoice ID is XXXX. Transaction ID XXXX ) on XX/XX/2023. It cost {$380.00}. I returned the watch to XXXX XXXX. They issed a refund on XX/XX/2023. The original order number with XXXX XXXX is # XXXX. Paypal did not give me a refund. I filed a dispute with Pay Pal Case ID : XXXX. Pay Pal has not refunded my money at this date. I am unable to contact them to discuss this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Continued to contact me by phone and email after I asked them not to.

Company response to consumer: Closed with explanation