vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2022-09-08 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express clawed back the reward points that they gave me XXXX year after I upgrade my card! I used my Amex XXXX previously and I received XXXX promotion last year and promise to give me XXXX reward points after I upgrade to Amex XXXX Preferred. I did receive the XXXX points after I upgraded it and I keep using it until XX/XX/XXXX this year. And it has been almost XXXX year ( few weeks left ). And I called the American Express Representative and asked if I can downgraded it back to Amex EveryDay after the upgrade cycle is fulfilled without affecting my account 's reward points. She said no worries, the downgrade would not affect. And I trusted her. They immediately downgrade my account. But my account was deducted XXXX reward points few days after I called. I doubt that they are trying to tempt me into this situation. I also called to complain about this and told them they made a mistake. I was planning to fulfill the upgrade term before the downgrade. They just said the terms are just there and the deduction is normal. The downgrade can not be reverted. They deduct the membership fees but did not give me the reward points. They won twice. I felt so disappointed on American Express and I just want to let others know how American Express treat their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Auto Acceptance, LLC
State: TX

Complaint narrative:
I signed a agreement with XXXX XXXX to fix my credit and experian. They would send me credit applications for credit cards I did not get qualified. 
I had several other things that were not fixed on my credit either The report was false and I lost out on several ways to fix my credit due to the hard credit checks

Company response to consumer: Untimely response
Consumer complaint received 2022-09-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Several accounts tried to be opened that was not me and is fraud.

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 2022-09-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Every XXXX, I am charged an XXXX fee. This time I have been charged {$60.00} for {$15.00} worth of transactions, and this money was available on the account. The charge was presented to the bank on XX/XX/2022 and returned on XX/XX/2022 and I was charged XXXX XXXX on XX/XX/2022. First, the money was available when present and when the XXXX was charged. I want a refund and a transaction log on my account showing the time, date, and balance in my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX, fraudulently enticed us with a false ad and wound up adding XXXX dollars to our bill that WE REFUSE TO PAY. We tried over and over to resolve this matter with their customer service people. However, they hire XXXX who lie and teach them how to lie to the general public, Then they incentivize them to do their dirty work. As a result, we have a XXXX dollar negative hit on our credit rating. I have sent the required letter of dispute within XXXX days to XXXX XXXXXXXX XXXX. I am requesting your assistance in dealing with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: PNC Bank N.A.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: DISCOVER BANK
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I was behind XXXX payments on my car because of personal issues. I travelled overseas to take care of my mother who was on her final days. While I was there, I tried to make a payment online and I was not able to. I called Ally financial and sent them so many emails which I will attach. I called the company so many times and the phone was hanged up. I came back XXXX days ago and my account was charged off like XXXX days before I arrived. When I contacted Ally, I was told by customer service that I was irresponsible and nothing can be done. They were so mean.

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 2022-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EOS Holdings, Inc.
State: OH

Complaint narrative:
A few years ago I had a private student loan payment with a debt collector called XXXX XXXX. It went to a debt collector because XXXX XXXX XXXX went out of business, and I was unable to locate them to set up repayment after I graduated. I paid XXXX XXXX XXXX for a little over 10 years, and no interest was accruing at the time. I had to get a new debit card, and unfortunately my payments were being taken from my old one, so I defaulted. I called to set up payments as soon as I realized a few weeks after the missed payment, but they had already sent it to another collection company, EOS CCA. EOS CCA sent me a bill for thousands of dollars over the amount I owed with the previous company, so I stopped payment with them, and requested the promissory note they have on file. It shows that I only had a loan for {$10000.00}, which is the amount I had already paid to the previous company. They are claiming that the over {$13000.00} they are trying to charge me is for interest. I sent them a dispute letter, along with all of the documentation I have as far as payments I made the the previous company and the promissory note via fax and mail. I received another bill from them this year, for a much higher amount, and I called them in XX/XX/2022 to ask about the balance, and tell them that I had already provided them with documentation that says I do not owe this money. They want me to resend it, and I am confident they are going to keep " not receiving '' my dispute documents until I get someone else involved. They refuse to contact the previous company for the payment information, and to put it on my credit report so I can send the documentation to XXXX  for a proper dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: NE

Complaint narrative:
My original complaint was filed with Consumer Financial Protection Bureau complaint on XX/XX/XXXX. I contacted their office Incomm Financial on XX/XX/XXXX, disputing an unauthorized charge made to her card. I returned the completed dispute packet to their office by XX/XX/XXXX. The company claim that the complaint has been finalized in my favor as they sent a replacement card for the amount of {$100.00} is being issued to my address that arrived via XXXX XXXXXXXX. I received the replacement card on XX/XX/XXXX. I attempted to activate the replacement card using the information that they provided with the card. I am not able to activate this card, add a personal pin ID number to this card or check for any existing balance on the card as each time I try to do any of the above, I am told that the information provided on the card is invalid. I have tried to activate the card online and also by phone. I am starting to think that this company may be fraudulent. I am not satisfied with their response and feel that the complaint filed on XX/XX/XXXX has not been resolved as they have not provided a replacement. Please, consider further action. 
Thank you kindly, XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a dispute on XX/XX/2022 with XXXX XXXX and XXXX, Transunion, and XXXX. However, the credit bureaus said the completed investigation and everything was 100 % accurate. 

According to the law 15 USC 1681a-Definitions : rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talke to? 

How did they complete this investigation? 

How and who they verified this information with? 

I also had this bankruptcy removed from my XXXX XXXX file and have attached the letter stating so. I also submitted this with my previous complaint and XXXX is stating " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This tells me that they did not investigate and the fact that I sent them a letter stating that it was removed and you are still reporting as accurate tells me they are blatantly breaking the law and violating my rights. My report is not 100 % accurate and they are reporting inaccurate information on my report. I have tried to have this corrected with them multiple times and I don't feel they have any integrity and the other agencies have not even sent me a response and it has been well over 30 days for all three. 


I have also received a letter from

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 2022-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I received a call from OneMain due to my XX/XX/XXXX payment not being made, at that time I advised the rep that I had XXXX XXXX XXXX on XX/XX/XXXX & was waiting on XXXX to be processed so I could have a better understanding of what my new income would be until I got a new job. On the XXXX the man that I spoke with offered me a 2-month deferment & at that time I decline & advised him that just as long as my XXXX was approved I should be fine with making the payment. I then received a call from the same man on XX/XX/XXXX, and XX/XX/XXXX & then on XX/XX/XXXX lady called & offered me the same 2-month deferment I again explained my situation & declined. 

I then later called the lady back to go on & set up the 2-month deferment due to I was still waiting on XXXX. At the time that I spoke with her, I was only due for the XX/XX/XXXX payment, she told me I would need to make a full payment by the end of XXXX & once I did that they would defer 2-months. She also stated that once the payment was posted on the XXXX I would receive my deferment approval in the mail. A payment for {$470.00} was set up on that same day to draft out on XX/XX/XXXX, this payment has since been posted & cleared my bank. 

I received my deferment letter in the mail, dated XX/XX/XXXX that states I was approved for a 2-month deferment with my next payment being due XX/XX/2022. I contacted OneMain this morning to get clarification, due to the only payment that I've missed was my XX/XX/XXXX payment. I explained that as of XX/XX/XXXX I was due for XXXX & XX/XX/XXXX payments so the {$470.00} they received on the XXXX should have covered one of those payments & the deferment should have covered the other payment along with the XX/XX/XXXX payment. 

I was then told this morning that the 2-month deferment that I was placed on only covered half payments for the months of XXXX & XXXX, & the payment that I made on XX/XX/XXXX was to cover the remaining of those half payments. This was never explained to me when I was offered the deferment nor is this stated in the deferment letter that was sent to me. All information that was provided to me stated a 2-month deferment, which means it should be 2 full monthly payments, if this is not what they are offering then their letter & information that they provide should clearly say half payments & it doesn't. 

OneMain has now placed me in a worse financial situation because I now have 6 days to figure out how to come up with {$470.00} because they lead me to believe that I would be receiving a 2 full month 's deferment when that was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The account was paid in 2019 and three years later this collection company is illegally reporting it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX these companies, have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: IL

Complaint narrative:
Contacted Transunion 30 days ago. Requesting the removal of unauthorized inquires not attached to an open account.Requested they investigate this issue and in return send me the results of how they investigated. How they VERIFIED those inquiries on my current credit report as accurate. In which they did not do. I have no received anything requested SUCH AS my written signature on an application attached to those inquiries or an open account attached to those inquiries. Several attempts of contacting them and they only UPDATE the same information with a remark saying ( ACCOUNT IN PREVIOUS DISPUTE )

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 2022-09-08 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: IL

Complaint narrative:
Contacted XXXX 30 days ago. Requesting the removal of unauthorized inquires not attached to an open account.Requested they investigate this issue and in return send me the results of how they investigated. How they VERIFIED those inquiries on my current credit report as accurate. In which they did not do. I have no received anything requested SUCH AS my written signature on an application attached to those inquiries or an open account attached to those inquiries. Several attempts of contacting them and they only UPDATE the same information with a remark saying ( ACCOUNT IN PREVIOUS DISPUTE )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: TX

Complaint narrative:
On XX/XX/2022 I contacted Equifax information services AND XXXX Via expedited mail I have mailed in police report that affidavit etc. even proof of address Equifax information services AND XXXX failed to protect my consumer rights as well as reporting fraudulent accounts below XXXX ) XXXX XXXX XXXX ) XXXX XXXX Equifax information services is reporting a fraudulent collection on my Personal credit report ( XXXX XXXX XXXX XXXX ) which is a violation of consumer rights they also had violated section 605b of the fair credit reporting act EQUIFAX DID NOT INVESTIGATE properly NOR SEND ME PROOF AS TO How this collection account is mine THESE COMPANIES ARE AWARE OF MY IDENTITY THEFT AND FAILED TO REMOVE THE ACCOUNTS! 

XXXX XXXX XXXX are in violation of the fair debt reporting act National credit systems also have my police report etc. and did not provide me with proof of anything do therefore Im suing all companies in federal court as of XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I obtained a debt consolidation loan through my bank XXXX XXXX XXXX. They paid XXXX  XXXX XXXX ( Comenity ) credit card on XX/XX/2022 in the amount of XXXX and the check cleared my bank on XXXX XXXX and they refuse to remove the balance from my account. I have put in three disputes with the company and they have not even tried to contact me. I have also sent in where the check cleared and the money was removed from my bank. Last contact was today with no resolution.

Company response to consumer: Closed with monetary relief