vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I received a credit inquiry from XXXX around XX/XX/year> and then received a letter in the mail from Comenity Capital Bank regarding an Ulta Beauty Rewards XXXX that I did not open. The letter is dated XX/XX/year>. I called XXXX and they told me that I was charged {$500.00} in the last few days and I told them that it was fraud so they are putting a hold on the account. The Inquiry also made my XXXX XXXX drop. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MN

Complaint narrative:
EdFinancial has changed my student loan terms, conditions, interest rates and types. Fully described with supporting evidence in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Diversified Adjustment sent harassing letter alleging a false debt. I let them know that no debt existed and demanded they validate it. In addition, I gave my USPS mailing address as the means to contact me about it.

https : //www.diversifiedadjustment.com Diversified Adjustment made no communication regarding their intent to harass me and list a false or alleged debt, no validation causing intentional and undue emotional distress.

Upon removal within 48 hours, they may send a discounted payment to my mailing address for {$470.00}.

Diversified Adjustment sent this and/or similar info to credit agency or agencies : Collection AgencyDIVERSIFIED ADJUSTMENTS Original Creditor NameXXXX XXXX Date AssignedXX/XX/XXXX Original Amount Owed {$310.00} Amount {$310.00} Status DateXX/XX/XXXX StatusUNPAID CommentsXXXX Balance DateXX/XX/XXXX Account Designator CodeINDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor ClassificationXXXX  Last Payment Date Date of First DelinquencyXX/XX/XXXX ContactDIVERSIFIED ADJUSTMENTS XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AE Tradings Inc
State: FL

Complaint narrative:
The company is requesting a unfair amount. the amount was invalid. instead of fixing it they decided to sent it to a third party collection

Company response to consumer: Untimely response
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. Upon reviewing my records, I discovered the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Armstrong and Associates, Inc
State: NY

Complaint narrative:
I don't know the other dates, but this Armstrong and Associates from XXXX XXXX  has called me multiple times. I do not currently do business in Alabama and never have. I have never been to XXXX. They called me attempting to verify personal details that could have compromised my other accounts. When I asked them to tell me which business or account they are referring to after they identified themselves a collection agency, they said they could not proceed without my personal information. They never once referred to one of my businesses, just my personal name and they had my address. They are fishing for personal data. This has happened multiple times exactly as described above. Typically I do not answer that area code, but I don't look at my phone every time I answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
I was approached by Rocket Mortgage on a phone call XXXX. The agent was XXXX XXXX. He promised a 5.99 % rate on a refinanced 30-year mortgage. On the phone call, which was recorded, he states that he will provide the 'lowest cost ' presumably with reference to an unrelated call on XXXX where we speculatively discuss {$6800.00} in loan costs for 15-year refinance at 5.99 %. 

Please keep in mind the phone calls are about different loans and about XXXX weeks apart. 

In any case, I end up signing documents for the 5.99 % refinance at 30 years. But my principal jumps from {$280000.00} to {$290000.00}, a difference of approximately {$10000.00}. The total loan cost is {$13000.00}. Using the XXXX recorded phone call as a point of reference, the total loan cost nearly doubles even though XXXX said he would provide the 'lowest rate ' presumably in reference to the XXXX call. Please note that on the XXXX call, no costs are disclosed. 

I called approximately 5 times during XX/XX/year> to issue a complaint with Rocket Mortgage and seek recompense. I spoke with XXXX, XXXX, and XXXX. XXXX actually listened to the recorded conversations on XXXX and XXXX. XXXX admitted there was an " opportunity '' to learn from the verbal nondisclosure of costs. She offered a {$500.00} voucher on a future loan application. 

I find the loan selling tactics completely misleading and predatory. I would like financial recompense.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Purchased XXXX Vanilla Visa gift cards. The cards decline instore not matter what the item price {$5.00}, {$50.00} {$200.00}, etc. Was given the option for a refund check. I received 1 refund check and 1 replacement card. I'm missing a refund check for XXXX card and XXXX replacement card. 

I've been giving the run around from the start. 1st time I called in they said I didn't need to submit anything just wait 10 days. I wait 20 days no checks have came, so I call they say I didn't submit the documents. I submit the documents, ask them is this all I need they say yes, I confirm they received the documents. 5 days past I call again to check the status, they say I need to submit more documents I've already sent over a month ago plus more. 

At this point I feel I'm being scammed and they have no intention of refunding me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank website is clearly showing U.S. BANK XXXX XXXX XXXX offer 0 % Intro XXXX on purchases and balance transfers for the first XXXX billing cycles. 

After I applied and made the balance transfer, I get charged interest on the Balance Transfer for XXXX months, while they were trying to resolve the case. Their conclusion is that I did not open the right card, but clearly show my account has the same exact card they are offering. There is no other card on their website with 0 % on purchase only. I asked them to find me the card they are referring to and they can not find it, but still refused it is their system error and will not refund my {$360.00}. 

I originally paid {$360.00} for the balance transfer fee to take advantage of the 0 % APR for 18 months. They did not correct their system error, which force me paid off the amount, if not I still get charged for the interest at 17.24 %

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
15 USC 1681a4 violation of privacy.

15 USC 1681eb inaccuracy of credit reporting 18 USC 1028a aggravated identity theft 15 USC 1692c collection agency contact

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is another credit card I never signed up for I have no knowledge of this account it 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 explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX is reporting a credit card as a charge off on my XXXX credit reports. 

The account is fraud and was open without my consent of knowledge. I filed a police report and FTC affidavit and asked that the account please be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a credit card as a charge off on my XXXX credit reports. 

The account is fraud and was open without my consent of knowledge. I filed a police report and FTC affidavit and asked that the account please be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a credit card as a charge off on my equifax credit reports. 

The account is fraud and was open without my consent of knowledge. I filed a police report and FTC affidavit and asked that the account please be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX I firmly believe that this restriction is a result of a misunderstanding, as I have always adhered to PayPal 's policies and have not engaged in any unauthorized activities. 

Maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me as a loyal user. I am fully committed to resolving any concerns or issues that may have led to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, as I have done in the past. 

Thank you for considering my appeal. I kindly request that you initiate the review process promptly. If there are any specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

I appreciate your attention to this matter and look forward to a swift resolution and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address a concern regarding late payments on my credit record. Upon reviewing my records, I discovered the presence of these late payments. Despite sending letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in promptly and effectively resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I RECEIVED A COPY OF MY MOST RECENT CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian and Experian Clarity Report are using my incorrect information on their credit reports, as well as addresses I have disputed, and they have lied, committed forgery, fraud, and violated the FCRA and Trafficking Victim laws, as well violating my 8th amendment right against cruel and unusual punishment, by allowing the name I was trafficked under to be used on my reports, and continue to deny the removal of fraudulent accounts, even though no law will enable them to keep fraudulent accounts on a credit profile, further showing what XXXX XXXX XXXX XXXXXXXX, Experian truly is. They have also allowed the fraudulent addresses to remain on my report and have knowingly committed 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