vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Sent Debt Validation letter plus with Cease and Desist stating not to call me but Trident Management did so. I have a call log with them calling afterwards and hanging up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks.

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am DEEPLY concerned with what's going on in the banking industry in general, PRIMARILY DUE TO THE FACT GOVERNMENT IS ALLOWING THEM TOO! 
I HAVE had ONGOING problems with AMEX bluebird!

I altered my address couple of months back, since that time I have had close to ten transactions declined by merchants bank due to ZIP CODE MISMATCH!

LAST month someone ( I believe ) fixed it at AMEX such that transactions could be finalized.

HOWEVER, several transactions just failed. The AMEX policy of placing an eight day hold in all circumstances without ability to remedy, IS UNCONSCIONABLE!!! This behavior CAN NOT BE ALLOWED!!!!!!! 
Using my latest declined transaction as example ( on or about XX/XX/XXXX ), AMEX placed this hold on the funds because somehow they reflect it as approved ( declined at merchant .... ). NOW I do not have enough available in account, FOR ANOTHER EIGHT DAYS!!!!!!!

I HAVE TRIED MANY TIMES to get them to release such a hold, NO EXCEPTIONS their sticky fingers won't release funds for EIGHT DAYS!

RELEASE MY FUNDS, STOP THIS POLICY!!!!!!!

FIX MY INFORMATION SUCH THAT I AM NOT PERPETUALLY GETTING TRANSACTIONS DECLINED!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A newly opened Chase Credit card is showing in my Credit report. I did not open a new credit account with any company. 

Opened XX/XX/2023 {$69.00} balance {$21000.00} credit limit Contact info : JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm really upset that they are appearing on my credit report and ask that you please erase this account since it is not mine. I would want the business to take this off my credit report so that I may begin a new chapter in my life, but I am unable to do so due to this unidentified account.

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 2023-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LendingPoint Holdings LLC
State: OR

Complaint narrative:
Apologies in advance, I did my best to pick the answers that best fit my particular situation. 

On XXXX. XXXX, 2022 somebody fradulently used my information to open a loan in my name for approximately {$10000.00} with LendingPoint. I first became aware of this in late XXXX / early XXXX and immediately reached out to the company for resolution and reported it on IdentityTheft.Gov. 

From the very beginning Lending Point has been very difficult to work with and saying that they need information. First they said that they need a police report to start their investigation. I did that. Then they said they need more, so I got what they told me they needed. Then finally i heard back from somebody who said they were actually investigating it. That person connected me to XXXX  XXXX XXXX where there was a fradulent account in my name that was setup. Whoever stole my identity took out this loan and transferred the money to a XXXX XXXX  XXXX account. From there, they clarified that I need more details added to the police report so that they can subpoena the bank records and finish their investigation. At every interaction ( email attached ) they have moved the goalposts and not done anything to make me feel at all confident that they are actually investigating this claim in good faith. On Monday I sent a version of the police report that was updated yet again and followed up with them on Thursday the XXXX. 

I got a reply this morning which I thought was very curt and in line with my experience with Lending Point : " Hello, Account was believed to belong to you. '' I immediately replied that it was not my account and I would like to see the results of their investigation but have not yet heard back. I am no expert on legal matters but if they needed that updated police report to get a subpoena, it seems like that would take more than 3 days. In addition, at the very least, the investigator should have reached out to me and elaborated on their investigation, not send just a short, dismissive email. 

I have attached my emails to my contact at Lending Point " XXXX '' and the Police Report. 

They are acting like I committed fraud over 10k, which I find to be downright insulting. I have a XXXX XXXX XXXXXXXX XXXX and am a XXXX XXXX in the XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I have no reason to commit what they are essentially accusing me of doing. They are acting like I took out this loan and am now going above and beyond to get out of it and are not being transparent in their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: PA

Complaint narrative:
XXXX XXXX XXXX Status Paid, Closed. {$42000.00} written off. 
Status updated XX/XX/2022 Original balance {$40000.00} Monthly payment - Last payment date XX/XX/2022 Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OK

Complaint narrative:
They call me all day making their area code to match that of my area code when I ask them to remove my number off their list they hang up immediately they call me all day and it is harrasment considering I asked them to stop. They call from numerous different numbers but all with a XXXX area code

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/2022 Dear XXXX XXXX I am writing to request the removal of a late payment from my credit report in regards to XXXX XXXX XXXX. I understand that a late payment can have a negative impact on my credit score, and I am eager to improve my creditworthiness. I am a service-disabled veteran and run a charitable 501c3 organization www.vetsandhorses.org I am asking that credit one remove the late payments and I am attaching actual screenshots from my bank account which demonstrates that the payment was indeed not late.

I have made multiple attempts to rectify this late payment, but it remains on my credit report despite my efforts. I am now reaching out to Department of Veteran Affairs for legal assistance in this manner.

I have been a responsible borrower many years and have always made timely payments on all my other credit accounts. I believe that removing this late payment from my credit report will better reflect my creditworthiness and demonstrate my commitment to financial responsibility.

I again, respectfully request that you remove this late payment from my credit report. I understand that this is not an easy process and may require additional documentation from me. Please let me know what steps I need to take to make this happen. I can provide more documentation in addition the documents I am currently providing with this letter.

Thank you for your time and consideration. I look forward to resolving this matter and improving my credit score. 

Sincerely, 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 2023-04-28 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: NV

Complaint narrative:
XX/XX/2022 Dear XXXX XXXX I am writing to request the removal of a late payment from my credit report in regards to XXXX XXXX XXXX. I understand that a late payment can have a negative impact on my credit score, and I am eager to improve my creditworthiness. I am a service-disabled veteran and run a charitable 501c3 organization www.vetsandhorses.org I am asking that credit one remove the late payments and I am attaching actual screenshots from my bank account which demonstrates that the payment was indeed not late.

I have made multiple attempts to rectify this late payment, but it remains on my credit report despite my efforts. I am now reaching out to Department of Veteran Affairs for legal assistance in this manner.

I have been a responsible borrower many years and have always made timely payments on all my other credit accounts. I believe that removing this late payment from my credit report will better reflect my creditworthiness and demonstrate my commitment to financial responsibility.

I again, respectfully request that you remove this late payment from my credit report. I understand that this is not an easy process and may require additional documentation from me. Please let me know what steps I need to take to make this happen. I can provide more documentation in addition the documents I am currently providing with this letter.

Thank you for your time and consideration. I look forward to resolving this matter and improving my credit score. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states " I have the right to PRIVACY '' 15 U.S.C 1681 section 604 A. section 2 : It also states " a consumer reporting agency can not furnish an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app is making me pay for a fraud charge I did not do from back in 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
Collection Agency called repeatedly, rude, threatening. Demanded credit card payment over the phone and was rude and threatening when I explained that I changed internet service from a no contract service with XXXX XXXX, to XXXX, and XXXX paid my last bill. I returned equipment to XXXX XXXX in person in XXXX XXXX MN. 

I explained and the caller was still demanding payment by phone, I requested something in writing so I could talk to XXXX, but they refused. I've never received anything in writing from them, and they refused to send anything. Still have never gotten anything. 

This is super messed up and pretty sure it's illegal

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 2023-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XXXX XXXX sold us a XXXX XXXX XXXX XXXX We had informed them that we would finance it with them and refinance the next day with our credit union, due to them being closed for the day. We were told that was no problem. Fast forward to the finance office, everything is complete and signed at 7.79APR for 72 months. After we were leaving they told us we can not refinance for 3 months, which was not at all what we were planning on doing. We knew we could get approved at our local credit union around 3 %. After the 3 months the interests rates went so high it didnt make sense to do a credit inquiry for a refinance. 5 months after the purchase we were told by another dealerships finance manager that used to work at XXXX, that he was lying and the dealers make a commission on financing in-house, so if you refinance they dont make the commission. We reach out out to the finance manager from the original purchase via text and he now stated we had to wait 6 months to refinance. After this I read thru my contract and it revealed there is not prepayment penalties at all, and we could indeed refinance at any point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I got a phone call from XXXX at XXXX. I was in a loud place so I kept saying hello. A lady told me to lower my voice in a rude tone. I told her not to speak to me in that deragotory manner and she ultimately called me a XXXX. She never said a name of who she was looking for and was very aggressive towards me from the onset. I called back and demanded that all calls be stopped unless they behave in a professional manner. Secondly they behaved as if they had a right to threaten and harras me because they think I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
This complaint is about discrimination XXXX I'm XXXX, intentional mismanagement & refusal to speak to me as recently as XXXX XXXX despite the mortgage Co signing for certified letter from XXXX XXXX HUD counselor & I. My fiancee passed XX/XX/XXXX, I provided all documents to Cross Country Mortgage, in writing via email repeatedly for months yet was told by XXXX that they won't spk to me b/c i'm not the owner of home! the county already rec'd/recorded his death cert that I'm owner upon death survivorship. The Mortgage Servicing Co : XXXX XXXX XXXX had the wrong amount due for monthly mortgage since XX/XX/XXXX. XXXX would also consistently send documents via snail mail & hardship or other applications in the mail but would postmark date 1 or 2 days before deadline to return it. See attached proof. I filled out online hardship application on XX/XX/XXXX but it was deleted is now out of database, they've completely locked me out of the acct online & then foreclosure started without them even speaking to me nor notifying me, yet they've known my email address since XX/XX/XXXX. INSTEAD They sent LOSS MITIGATING PAPERWORK TO HIS daughter AT MY HOME ADDRESS!!! BUT SHE HAS NO CLAIM TO THE HOME & THEY REFUSED TO SEND IT TO ME. They would refuse to email or call me, made promises to call me & assign a rep to me but refused to do so EVEN after I filed a complaint with the Attorney General 's ofc in Florida, they only acknowledged it but never responded to me. I've filed several complaints with their attorney XXXX XXXXXXXX XXXX XXXXXXXX but never got a response nor resolution. I even sent them documents that show I am the primary beneficiary to his life insurance to show I can make the payments but still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2023 I opened mail held by the XXXX since XX/XX/2023. I received an unsolicited credit from XXXX in my name and a bill from same for $ XXXX. I did not request a credit from XXXX or incur any charges with XXXX XXXX. First, on XX/XX/2023 I reported by telephone to Comenity CapitaI Bank ( the issuer of the card ) that I did not request the card nor incur the charge. On XX/XX/2023 I received a letter from Comenity Bank requesting information or to indicate that I believed I was a victim of identity theft. I sent a letter on XX/XX/2023 providing all the information they required, informed them of my Identity Theft Report with the FTC, and requested they send me documentation of their claim that the charge was not fraudulent. This is information I am entitled to under the Fair Credit Reporting Act. No documents have been received, despite a third attempt in a letter dated XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: AL

Complaint narrative:
professional bureau of collections of maryland contacted me today about a debt of XXXX owed to XXXX and they are representing them to collect that debt ( XX/XX/XXXX ). I said that the check is the result of my lost checkbook last year ( which I already filed three complain with CFPB ). I said I can send them police report, but they refuse to offer me means to do that. They refused to report this to XXXX and insisted I have to contact XXXX to myself the issue. They also not tell me their official address and refuse to disclose how they get my personal information. 

I also try to file a dispute with XXXX, but their website do not allow me to submit a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: MO

Complaint narrative:
On XXXX I sent a letter to the credit bureaus, my U.S. POSTAL SERVICE CERTIFIED MAIL RECIEPT tracking numbers are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in regards to remove personal information that is reporting incorrectly, and to make sure that all my credit reports match up. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. also according to 15 USC 6802. no Financial Institution can share my information with third party people. 

THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.

Company response to consumer: Closed with explanation