vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Credit Card Application Reconsideration - Reference Number XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to kindly request you to reconsider the recent decision regarding my credit card application, reference number XXXX, which was unfortunately declined due to the reason stated as " too many inquiries ''. Upon receiving the decision, I felt compelled to provide some context which I believe might alter the perception of my creditworthiness. 

Firstly, I would like to clarify that the inquiries mentioned were solely for the purpose of refinancing my student loan, and not for obtaining multiple lines of credit. There were indeed only two inquiries in the past year, both integral to the refinancing process, which was undertaken to secure a more favorable interest rate and improve my overall financial standing.

It's paramount for me to highlight my existing relationship with Bank of America, which I deeply value and wish to expand upon. Currently, I hold two auto loans with your esteemed institution, and recently, I had the privilege to open a private wealth management account, maintaining a balance of {$6.00} XXXX. This, I believe, is a testament to my financial stability and trust in your financial instruments and services. My FICO score stands at an excellent XXXX, further underscoring my commitment to maintaining a solid credit history. 

Given the above factors, I genuinely believe that the decision to decline my credit card application may not fully reflect my financial situation and my longstanding relationship with the bank. The addition of a credit card from Bank of America to my portfolio would not only strengthen our banking relationship but also provide me with a streamlined financial management tool that complements my current and future banking needs. 

Therefore, I respectfully request that you review my application again, taking into consideration the information provided about the purpose behind the inquiries and my longstanding, robust relationship with Bank of America. I am fully open to providing any additional information or documentation that might be required for a reassessment of my application. 

I sincerely appreciate your time and consideration in revisiting my application. I am hopeful for a favorable response and look forward to further enhancing my relationship with Bank of America. 

Should you need to reach me for further discussion or require any clarifications, please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your time and understanding. 

Warmest regards, 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. I have not applied for any credit or services from the creditor listed above and did not authorize any hard inquiries on my credit report. This inquiry is inaccurate and has a negative impact on my credit score.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have consistently maintained timely payments on this account, ensuring that none become overdue. The appearance of late payment remarks on my accounts perplexes me, and I am uncertain about their origins. Referring to 15 USC 1666b - Billing Error, these remarks should be addressed.

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 2024-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells fargo was suppose to conduct a trustee sale at auction but discontinued the auction 7 days after the auction date. they may have set s sale and discontinued twice but then instead of trying a third time Wells fargo sold my contract to XXXX XXXX who took more then a yr and all their additional attorney fees and fines and court costs filing fees ect before finally successfully selling the home conveniently making the home a REO falsifying a claim to a bonafide 3 party purchaser who mortgaged the auction money and is already in default. Now I'm about to get evicted on Monday. I am having no success contacting and speaking w any attorneys so I'm having to represent myself

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit Collection Service, placed this Collection on my credit report without sending me a 5 day notice. I never had I opportunity to investigate what this debt is all about. Show proof you sent me notice however I know for a fact I never got anything in the mail. This collection must be deleted immediately. 

Account : Credit Collection Service Account : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I solemnly declare that my identity, XXXX XXXX XXXX, has been stolen and usurped by another individual with a similar name, XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, XXXX, California. This act of identity theft has had a devastating impact on my life, preventing me from exercising my rights and carrying out basic activities in this country. The confusion caused by this usurpation has seriously affected my ability to function normally in society, jeopardizing my integrity and well-being. I demand that necessary steps be taken to rectify this situation and restore my legitimate identity.

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 2024-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I was first contacted by Columbia Debt Recovery LLC DBA Genesis via email on XX/XX/XXXX about a debt they said I owed to a previous apartment I lived in ( XXXXXXXX XXXX  owed by XXXX ). They started calling my number and my husband 's number on XX/XX/XXXX. On XX/XX/XXXX I mailed a Debt Validation Letter via XXXX Certified Mail to their listed address and have confirmation that the letter was delivered on XX/XX/XXXX - in the letter it states " If I do not hear from you in 30 days of the date of the letter, then this matter will be deemed closed '' It also states " Stop all other communication with me and with this address. If your offices continue to attempt communication, other than to validate the debt, it will be considered harassment ''. Lastly it states " If you report it to a credit bureau ( or have already done so ) report that the debt is disputed. '' We stopped hearing from Genesis at this point until XX/XX/XXXX they started calling my husband and I again ( calls on the following dates in XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX ). On XX/XX/XXXX I called back and asked why they keep calling when I sent them a Debt Validation Letter to which they ignored. The person stated " this is a big company and I never got the letter ''. He then resent me the itemized statement via email. On XX/XX/XXXX Genesis reported debt to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-12 00:00:00
Product: Credit reporting 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:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/XXXX we signed up for a promotional chase XXXX  credit card. The promotion is here : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX This promotion says we can use the card now if we are approved. We were approved and now can not use the card and can not receive the promotion. Chase will not do anything about it and will not reverse the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I am that I am. I XXXX now coming by the name that my mother granted me when I was born. Im not a legal entity, but I am a living man and authorized representative of XXXX XXXX, the trust. HARRIS & HARRIS, in violation of 15 USC 1692, has attempted to contact my persons twice now via text message without written authorization and without sending any notice in writing. I do not know, understand, or consent to any representative of HARRIS & HARRIS contacting me by any means except for in writing per Federal Law. I do not understand, know, or consent to them illegally obtaining my persons phone number and harassing them. This is deceptive and harassment. No information regarding what this is nor my persons rights have been communicated in accordance to Federal law. I do not understand. I do not agree. I do not consent. I looked up this company and they recently lost a multi-million dollar lawsuit for engaging in deceptive practices. I hereby include notice to cease and desist and to no trespass in the event that any party has no private right to the federal formal written titles 28 USC 3002 ( 1 ) ( A ) ( B ) ; 31 USC 3718 ; and 18 USC 8. 

By : XXXX ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
on XXXX/24 I received a notice left at my front door that had not been sealed or concealed my identification exposed at my apartment building. The letter stated that I am being taken to small claims court for XXXX by capital one. I am an single struggling American citizen. All my expensive has gone up and my job has cut hours so I am struggling to make ends meet. I kindly request that this lawsuit be taken out of court so that this can be settled. Due to the fact that the account was charged off I will like to request to have a smaller settlement amount with time to pay it back. Dragging me into court will default in a hardship at my company because we are assigned a point system and I can not afford to met any unscheduled days or call off. Covid had a hard impact on my job and caused us to have cut backs and reduced hours I'm making less money than I have before and struggle to gain hours. I can barley afford to pay food and shelter and my rent is being raised by XXXX dollars which I am unsure how I would met that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( AUTO ) HAVE NEVER SIGNED UP OR PLACED AN APPLICATION FOR A CAR. 

XXXX  XXXX XXXX XXXX ( finance ) havent applied for a loan ever XXXX ( bank ) not sure what this is but never applied for that as well XXXX XXXX ( Bank ) again never applied for a bank loan or credit in. a while so this is inaccurate. 

ive reached out to each of these companies and they have not fix this problem i need these unauthorized inquiries off my credit report removed and all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I apply to this store card on XX/XX/24. Crate my account online and when was ready to make the purchase I recive an error saying insufficient credit. I call the TD Bank and told them that my credit limit was {$5500.00} and it wont let me use the card. The advise to do a verification process and was not successful. Then advise they will send a letter. Recive the letter XXXX and call as the letter advise and yet no solution just wait more and no estimate date to this to be resolve. Is very frustrating that this application affected my credit and was no able to use the account as expected. They advise that I need to update phone numbers on credit respirating agency but checking my credit realize the phone numbers where there. After wating I decide to take this step and delete this from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Account name JPMCB CARD Account number XXXX Corporate card, I had an employee card working at XXXX XXXX XXXX the company since than closed and JP Morgan Chase is saying that i am the primary card holder when i never agreed or signed to anything like that! 

More than 10 employees had a card to use for various reasons such as gas hotel etc...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pappas Hayden Westberg & Jackson PC
State: KS

Complaint narrative:
I received a 3rd party collection letter from Pappas Hayden Westberg & Jackson PC a debt collector. Regarding an alleged account with XXXX XXXXXXXX XXXX XXXX The 3rd party debt collector has no written consent to have my personal info, let alone use of it. This is in direct violation of the FDPCA and the FCRA and US Codes. 

XXXX XXXX XXXX XXXX  has not received consent from the consumer to transfer any personal info, nor have they requested consent or Noticed the consumer. This is in direct violation of the FDPCA and the FCRA and US Codes.

Pappas Hayden, while sending a letter as a debt collector, provided nothing to show I gave consent to XXXX XXXX XXXX XXXX to transfer any information to Pappas Hayden. Nor did they provide any forms, contracts or agreements signed by XXXX XXXX to use of personal information. This is covered under Kansas Statute 21-6107 Identity Theft or Identity Fraud is to possess, transfer or to use any personal identifying information, belonging to or issued to another person, with the intent to defraud that person, in order to receive any benefit. which is exactly what Pappas Hayden is doing. PERIOD As used in this section Personal Identifying information is : 1. Name 2. Birth Date 3. Address 4. Telephone I skipped XXXX I felt they were NA 12. Electronic signatures 13. any financial numbers!! 
I am not being dismissive, I'm not angry but I have been down this road before. I will pay anything you can legally prove I owe, and/or produce the original contract with wet signatures not a copy of a contract or a " thorough careful review '' or an analysis of the account.

Company response to consumer: Closed with explanation