vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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: DE

Complaint narrative:
I went over my credit report and noticed inquiries that I never initiated or authorized. 

The following inquiries need to be REMOVED IMMEDIATELY " XXXX XXXX XXXX XXXX '' " XXXX  XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait.

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and EXPERIAN XXXX XXXX are in violation of this law because I am a victim of identity theft!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.

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 2022-09-23 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: IL

Complaint narrative:
According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXXXXXX 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 2022-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC
State: GA

Complaint narrative:
I made an uninformed decision when entered into this credit transaction on XX/XX/2022. This consumer credit transaction creates debt. I moved to Georgia and their limit for interest rates is 16 percent. The loan wasn't clear and conspicuous. There was no evidence of indebtedness unless agreed and I made an uninformed decision. I've paid almost {$2000.00} into this transaction and my balance isXXXX. I am the original creditor and consumer, not the customer or debtor. Again, I made an uninformed decision. All rights reserved without prejudice. 
The agreement is null and void. 

15 USC 1601 ( a ), 15 USC 1601 ( g ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
i had a lease with GM Financial and totaled my vehicle on XX/XX/2022. XXXX XXXX sent the entire loss amount to GM Financial because they would not release the title without receiving more than {$12000.00} in additional funds that is mine. It is now XX/XX/2022 and I still have NOT received my check BECAUSE GM Financial is playing the " float '' game and keeping my funds for their backend income capture on interest income. This is an illegal practice and should never be condoned by you!!!! Please investigate! Please assist me with getting resolution and protecting US Consumers from this abuse going forward!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
The company refuses to specify why I have these fees and cost on my account. They have sent me letters stating that my house was never in foreclosure as well as at least 10 employees of freedom mortgage told me NO your home is not in foreclosure, I have audio recordings as well do they as every call is recorded to verify this. Freedom mortgage takes advantage of people who have had hardships and are attempting to take my home because of their own faults and negligence.

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 2022-09-23 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: TN

Complaint narrative:
I was recently checking my credit scores and found some inconsistencies. I also believe the list below has violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX 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 states a consumer agency can not furnish an account without my written instructions. 
Please verify that these are my actual accounts and provide me with verified information showing a signature signed by me through certified mail. 
Please also provide me with information showing that I gave the following accounts written permission to furnish my accounts. Please send the following through certified mail to each 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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express close my personal credit card and two of my business credit cards without any notice. Ive been battling XXXX for the last year and receiving XXXX treatment. I was incapacitated to keep track of my finances at that time. My former accountant did not stay up on my finances at all. In fact, I had to close a few bank accounts to sue fraudulent activity from my former accountant. I was numerously harassed by American Express with constant calls every single day. They closed my accounts and provided no reason as to why. Now that I am in a better health situation I told them my financial affairs are in order. But they still moves forward and close my account without notice and/or my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
American Express hiked the interest rate on my credit card from 15.99 % to 29.99 % on XX/XX/2022. I called the company on XX/XX/2022 for an explanation. The customer service representative gave me an illogical reason. I tried to reason with her to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
1. On Monday, XX/XX/XXXX I received two emails that appeared to be coming from XXXX. Email content stated I owed {$500.00} for gift card purchased on my account and had a XXXX ( XXXX ) XXXX number that I needed to call. In order to settle my account I called the number in an effort to settle my account. 
2. Person at other end of line by the name of XXXX sent me a computer link to load onto my computer which I did. He directed for me to install the software so we could resolve the payment. I followed his instructions which gave him access to my computer. After a few minutes he called me from telephone no. of XXXX ( XXXX, NY # ) It was a major mistake on my part and should have hung up, but didn't. 
3. He said that my XXXX account was linked to 3 credit cards. He read two XXXX  cards that I had used in my XXXX account that were expired and a third one that was in fact linked. All seemed to be accurate information. 
4. Then, he said that in order to resolve the problem he was going to transfer {$200.00} to my USAA account. He showed me on line a screen where he wanted for me to fill out the amount of {$200.00}. When I did somehow he populated the amount with two additional XXXX which appeared the transfer to be made was for {$20000.00}. I warned him of the mistake to which he said it was all his mistake and for me not to do anything because he would lose his job. 
5. He then asked me to transfer {$19000.00} ( {$20000.00} he supposedly transferred less {$500.00} - {$50.00} for wire transfer fees. 
6. He provided a XXXX XXXX XXXXXXXX wire transfer information with the account holder 's name ( XXXX XXXX ). I called USSA and directed agent to do wire transfer. 
7. I got irate because I am out of {$19000.00} and have been unable to recover my money. He has his supposed boss call me. Didn't catch his name, which was bogus anyway and had numerous calls from him from tel. no. XXXX ( XXXX XXXX, NY ) number. 
XXXX. I finally gave up and reported the SCAM to XXXX and to USAA. My bank ( USAA ) assured me they would try to recover my money but I have not heard from them. Reported scam to them on Friday XX/XX/XXXX. 
XXXX I have detailed notes of emails, text messages, and phone calls to prove the SCAM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: VA

Complaint narrative:
I have reached out to Cross Country Mortgage to discuss mortgage forbearance relief under the 2020 Cares Act due to Covid-related difficulties with my tenants who are unable to pay rent. There are two mortgages I have and both are XXXX XXXX  mortgages. I discussed the circumstances with the company and they have required a massive amount of documentation ( contrary to the Act declaring that such documentation is not needed ). The mortgage company is not treating this matter under the parameters of the Cares Act and they want to treat it as if it's a conventional request for mortgage forbearance ( which has much different ramifications ). I have attached the PDF document they have repeatedly sent me, which was published pre-pandemic ( XX/XX/2020 ) and is not related to the 2020 Cares Act provisions. They are not following federal law and this needs to be brought to their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
My XXXX XXXX credit card was switched over to a new company ( Barclays ), during the transition process, I never received a card/new account number. When I tried to pay the bill thru the old system, I was not allowed and told I had to use Barclays. When I contacted Barclays, they said I needed my new account number to make a payment but it could not be provided via phone. They stated they would mail the information to me. The balance was Paid in full once the account situation was worked out and I was told that the late fee 's and additional interest would be reversed due to the error. I keep receiving late fee 's and interest EVERY month since XXXX because of a balance due from the late fee that was supposed to be reversed. Every month, I call and speak with an Agent. Every month they apologize and tell me that my balance is now {$0.00}, and I will need to wait until the next billing cycle to see it reflected on my statement. Every month there is a NEW late fee and interest charge added. Now I'm being told that the late fee is valid because I paid my bill on XX/XX/22 ( It was due XX/XX/22 ), but because their system didn't actually process it until XX/XX/22 I have to pay the late fee. They have now reported the late fee 's to the 3 major credit bureau 's impacting my credit score. How am I responsible for a late fee when I paid the payment a day before the due date? How am I being punished because of Barclays processing system? I was told by one agent that something was sent to the Credit bureaus to correct my report, then told by the very next agent that I would have to dispute the error.

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 2022-09-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debt Co LLC
State: MO

Complaint narrative:
The Company calls every with different people i started for them to stop calling me and they would call back an hour later. 

This is second company that called me regarding this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: Colony Brands, Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and XXXX i these off my credit old accounts and I have disputed over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and midland funding and XXXX i these off my credit old accounts and I have disputed over and over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Hello My name is XXXX XXXX and Transworld Reported Negative Activity on my credit report. I never applied for any for XXXX XXXX XXXX. I am disputing this. Company stating I owe them XXXX. I'm disputing not sure how they were able to get my personal info. 

Thanks for checking into this matter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: MI

Complaint narrative:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: MI

Complaint narrative:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Settled an account with XXXXXXXX XXXX XXXX. Disputed findings with Experian and Experian states their research and feedback from XXXX leaves account information unchanged. I called XXXX and they indicated they sent and/or will send correct reporting. As of today, the report shows I have a balance and collection is still active. 

Experian Dispute # XXXX Closed XX/XX/2022 I provided letters from XXXX showing account balance is XXXX and account is settled. 
Experian 's response on dispute is unchanged and unable to re-dispute because they consider this a duplicate request. 

XXXX Is still reporting : Status : Collection account. {$1.00}, XXXX past due as of XX/XX/2022.

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
B.ofA. sent out by mail a promotional offer that included the right to borrow money for a number of months at 0 % interest if the card holder paid an up front fee of 4 % of the amount borrowed ( or advanced ). During the promotional period of the loan the card holder could use the card to make purchasers within the remaining credit limits however they would be billed for the amounts drawn or used on the card at all the standard terms ( i.e. interest, late penalties, minimum payment amounts required etc. ) Even though the I never used my credit card for anything once I obtained a XXXX $ promotional advance, never-the-less I began to get billed monthly for a " minimum payments due '' and when not paid, I was assessed a late penalty and had my credit limit reduced for not making these " minimum payments '' due when in fact no payment on the {$3000.00} dollar promotional balance was due for several months. This is a false, misleading and unfair business practice. The promotion is designed to appear that the card holder/borrower has the use of the entire amount advanced/borrowed ( in this case {$3000.00} ) up to the time of the promotion is over, and this is without any interest, or payment of anything due and hence there could not and should not be any " minimum payment due '' monthly during this entire promotional period.

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 2022-09-23 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: PA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX  account US DEPT OF EDUCATION account # XXXX has violated my rights under 15 USC 1681 section 602A and 604A section 2 and 15 USC 1666B

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