vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-06-27 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: U.S. BANCORP
State: MD

Complaint narrative:
Attached are messages sent by the consumer to the company. The consumer applied for a credit card online using a generic online offer of {$150.00} after spending {$500.00} in the first 60 days. 

Advertised here : XXXX XXXX XXXX XXXX XXXX After 60 days had passed on XX/XX/XXXX, the consumer contacted the company to ask where the offer was and when it would be applied. The company claimed that a different non-advertised offer was on the account and would not honor the offer on their website claiming they " could not review it ''.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma, XXXX, and XXXX, I know from personal experience, are and have been advertise inaccurate credit card match approval odds for quite sometime. This could be a huge class action lawsuit. All of these credit reporting agencies get paid by how many applications they refer from their sites, commonly known as click bait. These companies are advertising personalized matched credit card offers with inaccurate approval odds. This unlawful and unethical business practice which should or may be illegal, is not being enforced and these companies are destroying peoples credit and effecting them financially all so that they can make a buck. False advertising or click bait is advertised in broad day light. With all of the above named companies they have shown me personalized matched offers with approval odds from fair-credit karma guarantee, and or outstanding, Good, and Excellent. Example : All XXXX card require that your application for a credit card be your first or second hard hit, if you have two hard hits and apply for any XXXX card you will automatically be denied. I have 5 hard inquiries currently on my credit, so how can I have outstanding, good, excellent, or 4.8/5 stars matched for you? How when I have 5 hard inquiries and am guaranteed to be denied how do I even have fair let alone good or outstanding odds of approval? These companies are passing false information off as fact, hurting the American consumers financial footprint so they can make money off of our information. Isnt this illegal on many levels? Not to mention the integrity opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
We pay our Mortgage to New Rez LLC dba/ Shellpoint Mortgage Servicing online and have always made extra escrow payments projecting any future shortages. Last year we paid our shortage in full to prevent any increase in monthly payment. Something our mortgage company has always offered & allowed. ( the assessment letters even state this ) They mailed us a refund for the extra we paid last year ( XXXX ) stating there was an overage and yet raised our monthly payment. This has happened again this year. We recently received our ( XXXX ) escrow assessment stating that there was a shortage this year and that even though we could pay this shortage up front, they have decided to spread it over 12 months and once again raise our monthly mortgage payment. We've communicated with them by email and phone multiple times. We keep getting the same computer-generated letter stating they are working on this. 
We are eligible to delete our escrow account with our mortgage lender and pay these items ourselves due to the equity we have in our home per our loan terms. Balance in our escrow account to be refunded to us immediately. Again, back and forth with communication regarding this. I've called again this morning and once putting in my info to be transferred to a customer service rep my call gets re-routed through the automated answering service. Called back a second time and didn't put my info in and finally got someone. I explained why I was calling, once again on a recorded line per the representative. He stated he would put me on a brief hold to look into this. 38 minutes into my hold time, I was hung up on. I also spoke with our attorney this morning who is also having trouble reaching this company. Please help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I took these private student loans out from American Education Services at the age of XXXX. I did not fully understand what type of jail sentence I was signing up for. I have paid back more than what I borrowed. The interest ; however, is killing me. I have tried to call and have my payments lowered and have been told that I have used all of my options. These student loans are private, so even though I would qualify for student loan forgiveness - that is not an option. There are no options for help with my {$750.00} payment. I am drowning. I can't even die and it be okay because I had family members that were kind enough to co-sign for me. If I die, they will be straddled by this insurmountable debt. It should be illegal to take advantage of young students like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: OH

Complaint narrative:
I have obtained a copy of my credit report and I noticed that there are inquiries on my credit report that I did not authorize. This has become extremely stressful and scary considering someone has been applying for credit with my information.

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 2023-06-27 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: DISCOVER BANK
State: GA

Complaint narrative:
I seen some fraudulent inquiries reported to my credit report Ive been tryna get them removed no one will remove them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX and CAVALRY PORTFOLIO SERVICE, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX  CAVALRY PORTFOLIO SERV / XXXX Balance {$3600.00} and CAVALRY PORTFOLIO SERV XXXX - Balance {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: Self Financial Inc.
State: GA

Complaint narrative:
There where some fraudulentl addresses accounts and inquiries reported to my credit report I need them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, and Equifax, I know from personal experience, are and have been advertise inaccurate credit card match approval odds for quite sometime. This could be a huge class action lawsuit. All of these credit reporting agencies get paid by how many applications they refer from their sites, commonly known as click bait. These companies are advertising personalized matched credit card offers with inaccurate approval odds. This unlawful and unethical business practice which should or may be illegal, is not being enforced and these companies are destroying peoples credit and effecting them financially all so that they can make a buck. False advertising or XXXX XXXX  is advertised in broad day light. With all of the above named companies they have shown me personalized matched offers with approval odds from XXXX  XXXX  guarantee, and or outstanding, Good, and Excellent. Example : All XXXXXXXX  card require that your application for a credit card be your first or second hard hit, if you have XXXX hard hits and apply for any XXXX card you will automatically be denied. I have XXXX hard inquiries currently on my credit, so how can I have outstanding, good, excellent, or 4.8/5 stars matched for you? How when I have XXXX hard inquiries and am guaranteed to be denied how do I even have fair let alone good or outstanding odds of approval? These companies are passing false information off as fact, hurting the American consumers financial footprint so they can make money off of our information. Isnt this illegal on many levels? Not to mention the integrity opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: OH

Complaint narrative:
XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX,15 U.S. Code 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev next ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonab e cause to believe that the information is inaccurate. 
( B ) Reporting information after

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 2023-06-27 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: NY

Complaint narrative:
15 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after date of receipt. 

These accounts should not be furnished on my reports they are in VIOLATION

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 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/2023 I woke up in the morning and {$300.00} was missing from my cash app account. When I reached out to cash App, they said that it was a glitch in the system and they never took out the money from my original purchases months prior. When I explain to them that was not correct, and that the money was taken out my account right away when these purchases were made, and now another XXXX was taken out of my account, They told me I could not dispute it and kept hanging up the phone on me. I have wrote several complaints about this to cash app support including talking on the phone with support. No one has been able to assist me with getting my money back or even hearing my complaint. I literally just woke up out of nowhere and {$300.00} was missing out of my account from Cash App. 
I also reached out to the XXXX, and consumer.ftc.gov to address my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
An apartment was rented that had began leasing on XX/XX/XXXX in my name. I was unaware of this until Saturday, XX/XX/XXXX when I received a notification that a collections account was added to my credit report. It is in the amount of {$24000.00}. I contacted the debt collector and they gave me a list of items to provide to prove that this is identity theft. This is the third apartment that has been rented using my identity in the past year, and the debt collector mentioned having a fake drivers license and paystubs in my name as well. I live in a completely different state than all 3 of these apartments and am trying extremely hard to remove them from my credit report as well as have these individuals handled properly as this is criminal behavior. I have since gotten identity theft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: PA

Complaint narrative:
The furnishers listed below are reporting late payments in direct violation of 15 US Code 1666 ( b ) - Timing of Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 Days. 
There were furnishers listed below who stated in response to my CFPB Complaint # XXXX XXXX submitted XX/XX/XXXXXXXX  NO LATE PAYMENTS WERE REPORTING. 
I consider their statements to be DISINGENIOUS because I checked my credit reports today ( XX/XX/XXXXXXXX  ) These firms still continue to report the late payments in total disregard of LAW. ( FCRA 1666 ( b ) ) 1 ) XXXX  XXXX - XXXX XXXX ) XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the information be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I went to Walgreens to make a purchase. I have used Walgreens points cards in the past but hadn't been to Walgreens for a while in person. When I got to the checkout line, the cashier pointed to a sheet that said {$50.00} off purchase, and I asked him if this was the points card, and he said yes. There was no mention of XXXX, and the very tiny picture depicted the Walgreens name prominently, and now that I know what this is, it probably had the XXXX circles symbol much smaller without any lettering indicating " XXXX. '' I don't have a XXXX, so while I have seen that symbol, it's not really on my mind. There was no mention of interest or XXXX They had my information except for my old address, and I provided my new address, and only at the end of this process they asked for my SSN, which clued me into this maybe being a credit card, but when I asked the cashier said it was the points card. With so many in line after me, and against my better judgment, I just provided it, and only then I got a tiny receipt with the interest and XXXX in teeny tiny print. I didn't even get a receipt for my purchase which they said would only be sent by phone, and I didn't even get the {$50.00} off as promised. The only receipt I received at the store is the tiny receipt for the credit card approval, which I received only at the very end of the transaction. I have to make future purchases to get that. I asked for the manager, who only sympathized with me and told me I had to call. I called Walgreens when I got home, and they forwarded my call to Synchrony Bank. I explained what happened and that I felt it was deceptive. They don't really care. Then, I asked Synchrony to cancel the card, and I have to wait 48 hours and call again to pay the bill, or I'll start racking up interest. The card is canceled, but I have to take my time to make sure I remember to pay that bill, but the matter is not fixed because I can't ever take away the fact that I applied for credit not understanding what I was doing until the very end. If I forget to pay that bill, I'll have the interest to pay. I only wanted to pay for my items and get my updated Walgreens points card. I never wanted a new credit card. Also, they're going to do this very same thing to other people.

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 2023-06-27 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: OH

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,15 U.S. Code 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev next ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonab e cause to believe that the information is inaccurate. 
( B ) Reporting information after

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: OH

Complaint narrative:
XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,15 U.S. Code 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev next ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonab e cause to believe that the information is inaccurate. 
( B ) Reporting information after

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