vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 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: Supreme Lending
State: MN

Complaint narrative:
I had begun conversations with Supreme Lending in XXXX, MN and began to fill in a pre-application for them. I marked NO on their application for approval to run my credit score. 

There was a hard credit pull executed by XXXX XXXX XXXX XXXX XX/XX/2021. This hard credit check was not authorized. 
Upon contacting Supreme Lendings Compliance team, they provided two separate screenshots that did not show permission for running my credit : On Page 6 of the application, theres no signature.

On their provided screenshots, the images do not share what form is being referred to in relationship to eConsent,
and include an incomplete online form that doesnt show any connection to my information.

In addition, the IP Address shown maps to the middle of a lake in Kansas ( and not to my address in XXXX ) Source : XXXX XXXX XXXX Both of Supreme Lendings representatives ( XXXX XXXX and XXXX XXXX ) refused to do the following : Share which form Visual # 1 is referring to Explain what their eConsent permits their team to do, and Acknowledge what the lack of consent on Page 6 restricts them from doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I went to use my XXXX  XXXX credit card last week for a XXXX dollar purchase and was declined. I was confused because I just paid the balance off of around XXXX dollars. Call customer care and said they sent a letter XXXX XXXX which I never received and told me she access the info on why it was closed.. I never closed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC
State: WA

Complaint narrative:
I received a call from a local phone number, XXXX however it turns out the collection agency was " spoofing '' this number. The caller left a message stating " This is XXXX XXXX, ID # XXXX from CKS Financial. '' The phone number she asked me to call back was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX/XXXX/2021 I sent a letter and FTC report regarding unauthorized information on my credit report. To this day, I have not received a response to unauthorized information. I feel like my disputes have been completely disregarded and ignored. Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report and it has been more than 30 days so they should be deleted promptly. I demand these unauthorized inquires be deleted immediately or I will file for litigation due to the XXXX XXXX XXXX XXXX XXXX XXXX My information was impacted by the Equifax databreach and may have been exposed to the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I sent in a verification letter on a item furnished on my report that was unauthorized on XX/XX/XXXX requesting the item to be verified to me and did not get any response or n otice and it has now been over the 45 day period allowed by the FCRA Guidelines 15 USC 1681i so the item must be removed. Equifax has violated me under 15 USC 1681e by not fallowing proper procedures. Equifax has violated me under 15 USC 1681b because i did not instruct them to report on my behalf. Equifax has violated me under 15 USC 1681L by reporting items on my report that are not verified. Equifax has violated me under 15 USC 1681j by reporting false and misleading items on my report appearing it to seem i have relationships with said company or furnisher when in reality i am not participating in said relationships. Under! 5 USC 1681o Equifax is liable for damages and remedy. I will keep record of all paper work sent and responses received incase of the matter of which court shall be involved. i seek for the disputed item to be removed and Equifax is willingly harming my reputation and that is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am coming out the XXXX XXXX  and back to work full time. During the pandemic I lost all of my income. I am now back to work full time and can afford to make payments. I was told by SPS to apply for the loan modification and applied. I went through the process and was declined. I was declined for insufficient income. I have a complaint with the review I went through with SPS. I don't feel like SPS processed my file correctly. SPS stated my income was {$1400.00}. I have now idea where that number came from. That is not the income I submitted. I was told during the pandemic that the process was pretty easy to resolve by SPS for resolving the forbearance. I am filing a complaint in an effort to resolve and save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: TX

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Fraudulent accounts to be deleted are : XXXX XXXX XXXX XXXX Fraudulent/Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-12-17 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I have opened an online XXXX  account  on XX/XX/2021 after being informed by a retail relationship banker at the Bmo Harris Bank fishers location on XXXX XXXX of a {$400.00} dollars sign on bonus for opening a XXXX  checking account. I have made qualified direct deposits and maintained over XXXX dollars in my checking account to qualify for the {$400.00} sign-on bonus ; however, as of XX/XX/2021, I still have not received the {$400.00} sign-on bonus. 

On XX/XX/2021, I wrote the XXXX XXXX XXXX an email requesting an explanation for the missing sign-on bonus. In which the banker explained that the missing sign-on bonus was due to not having a promo code associated with my account according to BMO Harris support team and online department. Which I explained that the promotion code was auto generated after clicking open XXXX  account on the website. The process did not provide the customer a copy of the promotional code via email therefore I dont have any record of the code. The banker then proceeded to tell me that the only way to resolve this issue is to have this unique promotion code so she will work on getting a hold of that code as of XX/XX/2021. I emailed the XXXX XXXX XXXX back on XX/XX/2021 requesting an update on the progress for locating that code and inquired if she can resolve the problem with more time, which she completely diverted addressing my question. She did inform me again in the reply that she can only resolve the issue if she has the unique promotion code. 

Since XX/XX/2021, there has been neither any email communication from this XXXX XXXX XXXX to address the missing code nor any attempt from the institution to contact me to ratify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: MD

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions

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 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A month ago I received a debt collection letter requisition payment on a debt that I don't recall ever taking out. I contact them to get more information and they told me that someone made a purchase with my XXXX XXXX  account that I have not use for more than 2 Years. They offered to file a fraud claim but they have not provided any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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: TX

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Police Report attached. 

Fraudulent accounts to be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent/Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America charges overdraft fees to XXXX XXXX account balance is low. I got charged {$70.00} worth of fees on XX/XX/2021 when a check payment went out and as a result the account balance turned negative. As a result of a XXXX emergency the same day I was unavailable to transfer the money from another BOA account to my checkings account. My XXXX  and I have other accounts with the bank as well and they always have funds but BOA does not provide automated transfers to the account with low or negative balance without charging another fee. So you end up paying fees no matter what. I want BOA to refund me {$70.00} for the over draft and XXXX assisted fee as soon as possible. 



XX/XX/2021 Show additional information for activity type bank charge XXXX XXXX XXXX XXXX XXXX XXXXF XXXX CHECK # XXXX POSTING DATE ... activity type bank charge status type iXXXX XXXX XXXX. Select to mark activity type bank charge XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX CHECK # XXXX POSTING DATE ... as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type debit XXXX XXXX XXXX XXXX XXXX XXXX XXXX Confirmation # XXXX activity type debit status type icon cleared Cleared. Select to mark activity type debit XXXX XXXX Assisted XXXX XXXX XXXXXXXX XXXX XXXX Confirmation # XXXX as Reconciled 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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover card wants to lower my interest rate. I told them I don't have a discover card, and do not call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
These collections on my credit is preventing me from becoming a first time home owner on top of that this company has threatened me multiple times After Ive explain to them that I do not know what this debt is. This company is really affecting my health as I am traveling back-and-forth to the hospital because of stress. Im getting deny left and right when applying with Banks to get a mortgage, My fianc is suffering from XXXX and the price of living is entirely too high To continue paying rent at the property I currently live in. Im a XXXX veteran trying to make a honest living here in the United States but this company Is placing collections and outstanding balances onto my credit which is preventing me from succeeding in life. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc.
State: NC

Complaint narrative:
I have an issue with Sezzle Inc . They have fraudulently reported that my account with them was delinquent twice! On XX/XX/XXXX, I checked my account to see that the system noted the payment still registered as being owed, even though it clearly states a payment had been processed. I attempted to contact Sezzle by phone and through their help tab within the app to no avail. I never received a call back, nor a reply to my help ticket on their app. They reported falsely that my account was delinquent on XX/XX/XXXX. This caused my credit score to decrease by over XXXX points. I was and am still upset about this. On XX/XX/XXXX, I received notification from my credit bureau tracking app that Sezzle had yet again reported to the credit bureaus that my account was delinquent. A statement that is totally not true. Attempts to get in contact with reps from the company has still gone unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: TX

Complaint narrative:
I received an email as follows : From : GoProgram Customer Service XXXX Subject : Way2GO XX/XX/2021 Statement Date : XX/XX/2021 at XXXX PM To : XXXX Dear Way2Go Cardholder, Thank you for being a Way2GO Card cardholder and for choosing to receive your statements electronically. 
To view the new statement please visit www.GoProgram.com. 
To view the Statements you will have to : 1. Log into your account 2. Select the " View Statements '' button on the right-hand corner This is an automated notification from GoProgram Help Desk . 
Please do not reply to this email. To Change your notification preferences, please visit www.GoProgram.com. 
Conduent | XXXX XXXX XXXX, XXXX, TX XXXX Unsubscribe XXXX Constant Contact Data Notice Sent by XXXX ============================================================= I did not apply for this, and I can't have it closed. It is registered under my email id XXXX ; however when I type in the userID name and click Forgot user ID it request me to put in my card information, which I did not. It is merely a website that is a financial fraud scheme that ultimately hurts many individuals ( attachment of print screen below ). Can you please help me get this fixed and hold the persons responsible for such fraud? I greatly appreciate your assistance as I can't do this without you. 
Kindest of Regards, XXXX XXXX XXXX XXXX " XXXX '' XXXX ( XXXX ) XXXX work email : XXXX home email : XXXX XXXX

Company response to consumer: Closed with explanation