vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX 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, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & 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 non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I unthawed my credit as I prepared to request and increase of my XXXX & XXXX XXXX credit limit, on the morning of the XXXX of XXXX. Previously when I've requested a credit limit increase with a XXXX & XXXX XXXX card I received a confirmation or denial within 48 hours both to my personal email, any account, on the card issuer 's site, and a mailed copy of the decision. This is my first time trying to request a limit increase with Comenity 's Payboo card. After receiving no response I called their customer service line and was told credit limit decisions can be emailed or mailed but not both. That is the most asinine rule I ever heard instituted by a financial institution mandated to keep scores of records. The agent said she could additionally send an email copy of the decision and that it would show up online in the " message center '' of my Comenity account. I wake up the morning afterward and there's no such message. I continue checking for the next week and see nothing still. I checked my credit the following Wednesday and see that Comenity ran a credit inquiry on the XXXX. This would've been the day AFTER my credit thaw expired and multiple days after the agent I spoke with told me some type of mail correspondence was sent out which went out prior to the digital correspondence she said would've been sent. I have no messages or correspondence digital or mail but I'm told some type of correspondence was definitely made. It feels like they're playing games and being less than honest, I don't particularly appreciate that coming from anybody social security number in their records. Moreover it's arbitrary and nonsensical to pointnof malice to demand consumers accept purely digital correspondence or purely mail when every time I log into your company 's website and create a password I can immediately log out and type in that very username and password and the site won't remember it! This morning when I attempted to access the account message center, I reset my password because the website said it didn't recognize it even though I reset it days prior. When I went to check the message center not only was nothing there, the page glitched and then crashed. I tried to refresh. I visited other parts of the site and tried to click back on the message center and the page was still crashed every time. It's absolutely disgusting a credit card company that makes what Comenity does, is this negligent and indifferent with handling customer services and communicating with customers. Moreover somebody is lying to me because their bills seem to be getting through the mail perfectly fine. I don't like my credit score, financial information, nor my time being played with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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:
In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights. XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A., state I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instruction.

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 2023-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am not familiar with this company. I have never done business with this company before. I have never signed any contract nor taken out any loans from this company. What they sent me was proof of loan from XXXX XXXX bank. Which was charged off back in 2020. Due to financial hardship because of XXXX. I have also sent them several cease and desist letters Which they have felled to acknowledge. Ive also asked them to credit my credit report by removing the negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX 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, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, USDOEXXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
My mortgage with Shellpoint has been under 78 % since XXXX of 2023. I have sent 3 letters requesting cancellation of PMI each 2 weeks apart beginning XX/XX/XXXX. We were notified by Shellpoint that we would have to pay for an appraisal to remove PMI. I called Shellpoint and they told me they could not help over the phone it had to be handled by email correspondence. Another letter came in the mail saying we still had to have an appraisal to cancel PMI. Called in again on XX/XX/XXXX after another PMI payment came out and the customer service rep said that our loan was at 79 % not 76 % and they would not cancel PMI. They are lying about the loan percentage and will not cancel our PMI according to federal rules and regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: NC

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: Chime Financial Inc
State: VA

Complaint narrative:
My financial institution, Chime, is refusing to dispute, stop payment on transfers, or to reclaim my lost funds from this rental scam. {$2600.00} ( Chime ) {$200.00} ( XXXX XXXX ). 
Individual ( XXXX XXXX XXXX was listing XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX as $ XXXX rental via XXXXXXXX XXXX on XX/XX/2023. 
XXXX XXXX asked me to provide name/number and her husband would return my call. Husband and I spoke on XX/XX/XXXX and XX/XX/2023 on his telephone XXXX XXXX. He stated the property was his mother 's ( who recently passed away ). He stated the property was listed for sale, but he would rather rent. He asked me if I was a XXXX, and asked if we would take care of the home as it was very dear to him as it was his mother 's. Husband asked about my family and pets. He sent me a rental application, which I completed and I sent {$200.00} application fee via XXXX XXXX. Received call from XXXX and email from XXXX and XXXX with approval and lease agreement. Sent security deposit of {$1300.00} via Chime and was asked to send additional separate payments of {$1000.00} and {$300.00} for 1st months rent viaChime, which I did. I looked at the approval and lease agreements and the landlord 's name listed was XXXX XXXX, which is different from the individual I spoke with on the telephone. I called XXXX and was instructed the property was not for rent, only for purchase. I called the husband back and he stated XXXX was listing the property for sale as well and he was going to call them immediately to resolve and he hung up on me. I called my local police department and filed a report ( XXXX ), XXXX, and my bank ( Dispute XXXX ). I'm also reporting to FBI Internet Crimes Unit. I called the husband back at XXXX and the numbers has been disconnected. These individuals ( XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ) are also listing other properties on XXXX and I've taken screen shots, if needed. I have sent {$2800.00} and now my family is homeless as of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights. XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A., state I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing to dispute fraudulent information that has been reported on my credit file. I recently reviewed my credit report and found several accounts that I did not open or authorize. This indicates that my identity may have been stolen, and fraudulent activity is taking place using my personal information. 

The following accounts were not opened or authorized by me : # 1 PORTFOLIO RECOVERY Last reported XX/XX/2023 {$870.00} # 2 XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} # 3 XXXX XXXX XXXX Last reported XX/XX/2023 {$110.00} I did not apply for any of the above accounts and have no knowledge of them. This indicates that someone has obtained my personal information and used it for fraudulent purposes. 

I am requesting that these accounts be immediately removed from my credit report, and that all related charges and fees be removed as well. I am also requesting that you investigate this matter further to determine the source of the fraudulent activity and take appropriate action to prevent it from happening again. 

Please provide me with a written confirmation of the outcome of your investigation, and any actions taken to correct the fraudulent activity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Regenerate response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I've a totally XXXX son XXXX yrs of age, my ex-wife was his legal guardian but past away unexpectedly XX/XX/2022. Myself his father and current wife have since been appointed by the court of XXXX XXXX WI as his new legal guardian 's we've provided Chase Bank with copies of the court documents and copy of her death certificate including copies of her guardianship. We currently reside in XXXX NC and are trying to get my son relocated to NC from WI, he's currently in a XXXX XXXX  due his condition, he has severe XXXX XXXX unable to speak nor do anything for himself. We've made four trips to the Chase bank in XXXX NC over the past 3 month attempting to get his acct either transferred into our names or closed. It's a 40 minute drive one way from our home to the bank, they don't return phone calls and won't tell us why they won't approve our closing of the account or grant us access to it. We keep getting conflicting information from them. This has held up him getting his payments from social security. We've since opened an acct for him with us as his guardians at XXXX XXXX XXXX  and just now received a deposit from Social Security. 
However there's still an unknown amount of funds in the Chase bank checking account they're refusing to allow us access to. My wife and I have been trying since early XXXX to get his banking in order and are fed up with their lack of response to this issue, please help us because we don't understand why this is such a problem with them and it's gone on far too long, my son needs his money to help cover the cost of transport here to NC to be closer to us. Thanks in advance for any and all assistance you may provide,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I owe 10 % of a business two years ago, I had a credit card i open with the company i was let go and my shares of the business was sold. I never hear anything about the business credit card. I never got a statement by mail or access to get statement from online.

after two years the company one day just put it on my personal account due to the company not paying the bill. I have not work for that company for two years and no statements was send to me tell me the payment past due. I was never given a notices about this before they decision to put this on my personal credit and they reported it ask a personal account and not a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: FL

Complaint narrative:
There is false and inaccurate information being reported on my consumer report including inquiries that I did not authorize, which means that my report was obtained without permissible purpose. The Credit Reporting Agency has violated multiple consumer rights and has not verified that the information they are reporting is in fact true and correct. I feel as though they are being paid to report false accounts that is hurting me only for their financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: FL

Complaint narrative:
There is false and inaccurate information being reported on my consumer report including inquiries that I did not authorize, which means that my report was obtained without permissible purpose. The Credit Reporting Agency has violated multiple consumer rights and has not verified that the information they are reporting is in fact true and correct. I feel as though they are being paid to report false accounts that is hurting me only for their financial gain.

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 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2023-03-24 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: NC

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc.
State: WI

Complaint narrative:
I was injured due to me not being able to delegate my funds that were visibly pending even though accounting shows I did not have enough cash to complete the purchase ( s ). As a result, and subsequently, a partial payment was made, with no in store authorized price adjustment. My body and emotional state paid the rest of the actual or overall cost of the transaction ( s ). At the time of the injuries either Cashapp or XXXX XXXX had my cash and I did not possess access to spend any of the pending amounts for any reason. As the company says, the transaction ( s ) were not completed and were voided. Prior to them being voided. I was injured because I did not have access to cash and the release of it to any other companys possession, or peer of the investigated amounts. Those injuries are to be remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Only had a physical copy of the card a few months. Company changed cards never received replacement card. Could not setup account online. Only time I knew when payment was due was when account was past due. I have not even made a purchase on this account because I dont have a physical card. Ive been transferred a few times to get a physical copy but the hold time was extremely long. I no longer felt comfortable giving my info over the phone so I demanded to speak to a manager so I can see what I must do to get a physical card. Finally I was able to speak to the an agent that was super helpful. She got a new card sent out but I have not received it yet. I now have a delinquent payment showing up in my credit report which isnt fair because I dont have everything I need to make a payment online. Once card is received I will make payment but I would love this late payment removed from all 3 credit bureaus Especially because I dont mind paying the account but I no longer want to share my card info over the phone.

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