vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest Credit Systems ( SCS ) first tried to collect {$330.00} on behalf of XXXX in XXXX. I spoke to an agent at SCS advising that I never had an account with XXXX and that the name as they reported was not spelled the same as mine. SCS advised me to freeze all three credit bureau accounts and to file a police report, which I did ( see attached ). My wife and I are in the process of buying a new home and the mortgage company required us to unfreeze all three reports to pull a current report. The credit reports pulled last week showed a delinquent account of {$330.00} from SCS. This resulted in a dramatic drop in my Excellent credit score rating to Fair. This impacts our mortgage financing negatively incurring higher closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: MI

Complaint narrative:
I signed a promissory note in XXXX of XXXX, taking out a small {$3000.00} loan. I didnt understand what I was getting myself into, as no loan officer spoke with me. I am being charged XXXX  % in interest. Finance charge of {$15000.00}, and again, no one explained to me this was the cost of credit. I signed a promissory note with no guidance from a loan officer and now the debt is in collections and hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a third complaint concerning the late payment reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports. This complaint is prompted by new information that further complicates the situation. 

Upon closer inspection, I discovered that for my Equifax credit report, I am being reported as 60 days late instead of the 30 days late that I previously mentioned in my complaints for XX/XX/XXXX as of today XX/XX/XXXX. I have never been 30 days or 60 days late and this discrepancy is significant, and I believe it warrants further investigation for why I was reported the 60 days late. 

To recap the events : XX/XX/XXXX : Received a notice from XXXX XXXX about being reported 30 days past due for XX/XX/XXXX, payment. 

Subsequently : Disputed the late payment report with XXXX XXXX and XXXX XXXX XXXX XXXX multiple times. 

Recently : Discovered the 60 days late reporting discrepancy on my Equifax credit report. 
Given this new information, I kindly request that the Consumer Financial Protection Bureau investigate this matter further and help facilitate a resolution that addresses the ongoing inaccuracies and damages caused by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to my credit report and personal well-being. 

Thank you for your attention to this matter as a XXXX XXXX XXXX XXXX  mom of a XXXX, who is working full time the support in the complaint and subsequent complaints submitted would be appreciated. I look forward to your assistance in resolving this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I applied for this credit card on XX/XX/23. I received an email requesting that I fax in a copy of my ID SS card and a bank statement with my address. I've called multiple times to get an update on the status of my application and always get the runaround. Today the representative at total select said there was no application on file they sent me an email ( which he could not resend or mail actual correspondence ) and stated I needed to reapply and there was nothing else he could. 
I want an explanation about my application and WHO has my personal financial information. I faxed in my driver 's license, my social security card, and a FULL bank statement. This seems a bit fraudulent since now they can't find my application or answer to why I received an email

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/2023, I redeemed cashback rewards totaling {$110.00} from my credit card to my checking account ( see image XXXX ). 

I received in my checking account {$1.00} on XX/XX/2023 ( see image XXXX ). This was clearly the wrong amount, so I contacted them via their secure message system on the same day ( see image XXXX ). 

They responded XX/XX/2023 indicating a dispute had been initiated, and they would follow up with a response by mail ( see XXXX ). 

I called their customer service line XX/XX/2023 to follow up on the dispute. I was told they had recognized the issue, but were still working through it. 

I followed up XX/XX/2023 via secure message since I had still not received a response or update. They replied with more or less the same response about the dispute on XX/XX/2023 ( see XXXX ). 

I called later that day to inquire further. The CS rep I spoke with mentioned they had a fix in progress, and that I should see my deposit soon. She also mentioned others were affected by this issue. 

As of today, XX/XX/2023, I still have not received the full amount I redeemed. 

While I understand they have an issue in their system, it is clear they recognize the problem, but they have not taken steps to make me whole. It's been almost 40 days since I redeemed my cashback, and me receiving it should not depend on them tracking down a bug in their own system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit management/ XXXX XXXX services/ they have destroyed my credit/ and added collection to my credit account/ {$2500.00} dates XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I mailed a debt verification letter to Radius Global Solutions XX/XX/2023 asking to Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; the date the original creditor claims this debt became delinquent. 
As of today XX/XX/2023 I have not received a response. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2023, I received an email stating that I'd opened an account with Regions Bank and shortly after, I received an email stating I'd updated my email address. 

On XX/XX/2023, I received a confirmation email from Regions Bank stating that I added the standard overdraft coverage. 

I didn't open any accounts with Regions Bank nor did I add any services. 

I don't have an account with Regions Bank nor have I ever had an account with them. 

I tried calling the numbers that were posted without success. The reps needed the full account number or my social security number. I didn't have the full account number and wasn't going to provide my social security number. 
I reached out to a colleague for a contact at Regions and he provided one on the business side. 

She referred me to file an ethicsreport aXXXX XXXX. It looks like it was more related to either an employee or someone that does business with Regions but I completed it anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
unauthorized inquiries:
Equifax Information Services LLC
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX                            XXXXXXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX       XXXX XXXX XXXX XXXXXXXX  
XXXX XXXX XXXX           XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
XXXX XXXX XXXX/ Barclays card services/ they have destroyed my credit/ and added collection to my credit account/ {$2500.00} dates 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 2023-04-07 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: CA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 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 2023-04-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
This is a follow-up to Complaint # XXXX which was closed by way of the CFPB " parroting '' the Data Furnishers ' assertion that they are right and I am wrong. 

This document was sent this morning by certified mail to Rocket Mortgage. 

Rocket Mortgage violated the CARES Act and subsequently and separately, the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I suffer from identity theft in 2013. 
XXXX XXXX XXXX disputed the charge off due to identify theft. 
Cach LLC is now suing me froze money from my bank and now has debited my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My mortgage was in an agreed eighteen month abeyance under the Covid program ( see attached letter ) Before it was due to expire I got in touch with Wells Fargo to commence repayment and to find out how the payments not made in the abeyance period were to be made good I got no clear answer with Wells Fargo suddenly talking about having to requalify for reinstating the mortgage and sending me documents about foreclosure and mortgage assistance, which I did not request. ( see enclosed ) Very alarmed at the turn this has taken which bears no connection with anything said or agreed at the start of during the process of abeyance. 

I called monthly to update Wells Fargo. I was expressly told that payments in abeyance could be tacked on to the end of the mortgage to pay at that time or if sold. 
Document 1 verifies that option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I was on Credit Karma which I've used for years to monitor score. Went to my offers for credit card offers. Some were labeled " XXXX XXXX '' in which the website explained that my odds of getting approved were so high that if I applied and get denied that Credit Karma would put {$50.00} in my " Spend '' checking account. It has been over 60 days which is the time frame they provided to offer my refund. Not only do I not have the {$50.00} my credit dropped by XXXX 's of points bc of the hard inquiry and denial. Because of this I am occuring additional costs from additional interest incurred by the balance I couldn't transfer due to credit karmas false claim. I see that they were sued for this last year. I reached out to support and they responded to me XX/XX/23 saying that it may take up to 60 days. I responded to that same conversation XX/XX/23 to ask about status and received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: LA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: LA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I applied for the American Express, Delta sky, Miles flex perks account. 


The Delta sky club advisor told me I would get an incident response once I applied. I informed the sky club representative that I had a freeze on my credit report, and they advised to submit the application I didnt receive instant approval and the advisor told me to then remove my freeze and apply again. After reading the fine print of the card, it clearly stated do not apply. Multiple times Because I was ill advised I think American Express gave me the lowest limit based on my credit account being locked and froze This card is the only card that allows access to Delta sky club and has the additional promotional offers when you spend a certain amount within your first few months of having the card. It was also a referral from another American Express flex, perks card member.

I didnt receive any approval letter electronically. I didnt know I was approved until the card came in the mail with an extremely low credit limit.

My credit score is in the XXXX my income is very substantial without giving personal information. My credit limit is not in line with what American Express has given other consumers that have much lower credit, scores, and income levels. 

When I tried to call and speak to someone in the fair lending department, the American Express customer service rep could not get me over to anyone, and said my only option to increase my limit is to put in a request that was instantly denied. She then went on to explain her computer system did not allow her any options to get me to anyone physical to talk to. 

I asked her to file a complaint and the rep filed the complaint without understanding the full story or articulating my concern, so I was not listen to nor understood, nor was my problem solved.

My complaint to this bureau is to point out unfair lending practices, bait and switch tactics, and any consumer should be able to speak with someone in the finance department or fair, lending department, when being excepted to have an American Express card.

I also want to point out that I should be getting additional benefits because this was a referral from another card member but not only is my account not set up properly neither is the other cardmember Thirdly, with a low credit limit. Its impossible for me to get the promotional offers. If you have to spend {$6000.00} in a certain amount of time, but your credit limit will not allow you to meet those requirements that is also unfair and predatory in my opinion. It will also negatively impact my credit score by having such a low limit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: World Acceptance Corporation
State: SC

Complaint narrative:
My rights have been violated according to FCRA 15 U.S Code 6801- Protection of nonpublic personal information 15 U.S Code 6802- Obligations with Respect to disclosure personal info I have not given any of these companies verbal or written consent to report my information. I have not been notified by phone or mail saying that they were going to do so.I do not give them consent either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These Hard Inquiries Were NOT Authorized : Consumer Portfolio Services- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX 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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
These Hard Inquiries Were NOT Authorized : XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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