vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This company is reporting inaccurate and incorrect information to the consumer reporting agencies. I've made several attempts to resolve this issue with them. Sending out letters giving them notice of the inaccurate reporting and for them to fix the problem. Due to the incorrect information My family and I have suffered hardships and XXXX damage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
It has come to my attention that AMERICAN EXPRESS has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an adverse action pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the consumer credit transaction using my credit card pursuant to 15 USC 1602 ( L ) making AMERICAN EXPRESS an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means AMERICAN EXPRESS benefitted from the transaction. I am the one who extended credit through the credit application. AMERICAN EXPRESS used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. AMERICAN EXPRESS is civilly liable for violations of TILA pursuant to 15 USC 1640. AMERICAN EXPRESS is civilly liable for violations of ECOA pursuant to 15 USC 1691e.

I DEMAND the credit applied for to be approved and to operate the account in open ended status. I demand my card be mailed to the location information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Went to XXXX XXXX for help with XXXX  issue XX/XX/XXXX. He could not help me, was affiliated with my employer and indicated there was no charge. I resigned from my employer XX/XX/XXXX and was notified I was being charged for an office visit in XX/XX/XXXX. I provided health insurance information at that time and asked that they file a claim with the insurance. The account was sent to Southwest Recovery Services for collection and I again provided my insurance information. 

It appears that the claim was never filed with my health insurance and they are now filing claims against me for the full amount. Southwest Recovery has placed a collection status on my credit report and lowered my credit score.

The doctor 's office nor Southwest recovery did their job to collect from my insurance

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
In XX/XX/XXXX there was an account opened at speedy Cash in XXXX XXXX which to my knowledge I was unaware of it. Because at that time I was in federal law-enforcement training centers for my XXXX XXXX XXXX XXXX. Throughout the past years up until present day I have made several times to contact speedy cash and let them know that Im not responsible for the debt collection of {$300.00} because I never was there to take it out so I claim no responsibility. I have made several attempts with credit bureaus like XXXX XXXX XXXX and XXXX to dispute the collection and nothing has happened yet there was no action taken by the credit bureaus except just a statement that was added. I am reaching out as of today XX/XX/XXXX to close this collection because I believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
My name is XXXX XXXX with a card ending XXXX. I have a mortgage in a Keybank account. 1. KeyBank 's mortgage system is so terrible. They charged me 3 times without any notice. Please see attached pic. 2. They told me to set an automatic mortgage payment to avoid the service fee, I did go to their branch to set it and they still charged for it. They said it will be effective from XXXX. So we still charged your service fee. Actually, their staff in the branch told me I will not be charged for that. 3.

Please refund me the service fee of {$25.00}. Do not let the customer pay your own fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 explanation
Consumer complaint received 2022-03-07 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: NV

Complaint narrative:
EQUIFAX IS FALSLY REPORTING AN ACCOUNT FROM XXXX SUPPOSEDLY FOR XXXX XXXX IN THE AMOUNT OF {$550.00} DOLLARS SO I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. I AM ON XXXX AND MY INCOME IS FEDERALLY PROTECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have charge offs that are not factual and accounts that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Firstmark is servicing a Parent Plus loan through XXXX XXXX. This was a federal loan that I refinanced in XXXX. 
In XX/XX/XXXX, I refinanced that loan again through XXXX. On XXXX XXXX, XXXX, XXXX wrote to confirm that it had sent an electronic payment to FirstMark for the full payoff amount of the loan. 
As of XX/XX/XXXX, FIrstmark has not applied that payment to my account. They are still demanding payments and accruing interest, even through the loan was paid off more than 35 days ago. 
XXXX has taken its time to respond to me, but on XX/XX/XXXX called to tell me they have confirmed that Firstmark received the electronic payment and they have continued to contact/escalate with FIrstmark to get the payment applied to my loan. 
I have now had to make a double payment on the loan to avoid a mark on my credit report. 
I've called Firstmark but their customer service won't provide any informaiton other than to say that they can't confirm whether or not the payment has been received until it is credited to my account. Firstmark is being negligent and untimely in closing out this loan to the point that it has had a detrimental affected on my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I'm XXXX yr old rXXXX XXXX  and my husband is XXXX yrs old, retired and depend on his social security pension.We both have a credit card together with bank of America since XXXX.Then last XX/XX/22 he had a call from Bank of America saying that our credit was cancelled and he went on line and saw that our credit card was not cancelled instead was charged with {$9800.00} to an XXXX  XXXX CA and another charge of same outfit same hour, same day of $ XXXX.So my husband called Bank of America but not able to get hold of them immediately so same hour we went to Bank of America branch in XXXX XXXX TX to ask for their advice. All they could help us was, using their phone was to dial Bank of America fraud division and waited for someone to answer and after 27 minutes we talked to someone and told them the fraud charges done to our credit card and told us that it is not my husband nor I, we do not waste this large sum of money for an XXXX XXXX.It 's a fraud charge and told that person its not us and to please not to pay cause it is not us.The person whom we spoke with said they will investigate the charges.I was praying and waiting for the investigation and hoping the charge will go, but came XXXX XXXX I received a letter that $ XXXX was charged and so I called back the Bank of America fraud division to tell them that why they pay them and got charged with {$16000.00} + amount.They did not listen to our voices my husband and I that it is a fraud charge and it made me so angry and frustrated they send us another credit card but I freeze my credit card and also freeze 3 major Credit reporting XXXX XXXX XXXX and XXXX.Last time I spoke to Bank of America fraud unit, that they re-opened the investigation. I told them why they did not send an alert on my phone cause I am the primary card holder, where in before they send text message in my phone when I gas up in my car in a different gas station, I did not receive any alert messages on this $ XXXX charge, what is going with Bank of America.We had a police report and faxed it to Bank of America fraud division.PleasXXXX it is much appreciated that you all heard my bad situation we are in.I can not retire with this large amount of debt burden.Please help us.Thank you.

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 monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
For your consideration, All three credit bureaus have addresses along with dates of residence listed on my credit reports. Some of this information is incorrect and inaccurate, but what is more because my change of addresses have been numerous over time this could place me in a vulnerable position in applying for future credit. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves the use of XXXX algorithms which may filter according to numbers of changes of address -- a type of stigma and discrimination on the part of lenders.

To protect my right to privacy from these and other unethical forms of practice at large which are in the process of being greater regulated please remove from all of my credit reports mention of previous addresses in accordance with the Fair Credit Reporting Act.

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 reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have charge offs that are inaccurate and late payments that are not accurate and accounts that don't belong to me

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 2022-03-07 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: CA

Complaint narrative:
I reached out to Transunion, XXXX, and XXXX regarding fraudulent accounts reporting on my credit in XX/XX/2022. I sent them a letter with an affidavit and my identification. It's now been over 60 days and I haven't received anything. There has been no removal of the accounts.

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 2022-03-07 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: FL

Complaint narrative:
MY PERSONAL INFORNMATION WAS STOLEN BY AN UNKNOWN PERSON TO OPEN CREDIT CARD FRAUDULANTLY ON MY NAME THAT WAS USED AND REMAIN UNPAID. IT IS AFFECTING ME FROM GETTING CREDIT AND RAISED MY CREDIT USAGE TO MORE THEN MOXIMUM THAT GET MY CREDIT SCORE TO GO UP. I WOULD LIKE TO HAVE THAT DEBT REMOVED FROM MY CREDIT FILE PERMANANTLY.

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 2022-03-07 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:
MY PERSONAL INFORNMATION WAS STOLEN BY AN UNKNOWN PERSON TO OPEN CREDIT CARD FRAUDULANTLY ON MY NAME THAT WAS USED AND REMAIN UNPAID. IT IS AFFECTING ME FROM GETTING CREDIT AND RAISED MY CREDIT USAGE TO MORE THEN MOXIMUM THAT GET MY CREDIT SCORE TO GO UP. I WOULD LIKE TO HAVE THAT DEBT REMOVED FROM MY CREDIT FILE PERMANANTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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:
MY PERSONAL INFORNMATION WAS STOLEN BY AN UNKNOWN PERSON TO OPEN CREDIT CARD FRAUDULANTLY ON MY NAME THAT WAS USED AND REMAIN UNPAID. IT IS AFFECTING ME FROM GETTING CREDIT AND RAISED MY CREDIT USAGE TO MORE THEN MOXIMUM THAT GET MY CREDIT SCORE TO GO UP. I WOULD LIKE TO HAVE THAT DEBT REMOVED FROM MY CREDIT FILE PERMANANTLY.

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 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MA

Complaint narrative:
Hi, My previous mortgage company didn't pay any taxes for fiscal year XXXX ( XXXX nd XXXX of XXXX and XXXX and XXXX of XXXX ) which resulted in a lien on my property and a interest and other charges of {$740.00} I have an escrow account and they never mentioned that they are not paying or failing to pay my real estate taxes. 
I now paid all the outstanding dues and now have to go through the process or removing the lien. I would truly appreciate if you can help with this issue. 
Attached is the 1098 from my previous mortgage company ( they transferred it to a new mortgage company starting XX/XX/XXXX ). Also a statement from the city outlining the payments I made and an excel highlighting the amounts. 

Company : The money source Account # XXXX

Company response to consumer: Closed with explanation