vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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:
IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY ....

15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES I DIDNT AUTHORIZE. 
______________________________XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX ( Miscellaneous XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX Retailer ) XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX EQUIFAX/ AND XXXX XXXX BELOW : XXXX XXXX XXXX Original XXXX : XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$320.00} XX/XX/XXXX XX/XX/XXXX, _______________________________________ Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp.
State: MS

Complaint narrative:
This debt is over 7 years old. They sued and got a judgement. Which I filed a motion to set aside judgement. I have tried to settle the account but they refuse to remove from my report after we settle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Received phone call from Southwest Credit on XX/XX/XXXX stating that I owed {$140.00} from XXXX. However, this charge is incorrect. When I asked for an itemization Southwest Credit promised to mail it to me on the same day XX/XX/XXXX. 

As of the writing of this complaint to CFBP on XX/XX/XXXX, Southwest Credit has not ever provided me with a bill validation after several urgent follow up calls since XX/XX/XXXX and is threatening to forward this debt to the three credit bureaus XXXX, XXXX and XXXX. 

Southwest Credit had an obligation to forward me a bill validation within 5 days of contacting me for the debt. It is now over 30 days and Southwest Credit has not acted in good faith and is attempting to hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX I sent out dispute letters for XXXX account to be investigated. It is a closed account on my report still showing a past due balance which is inaccurate reporting. They auto verified my dispute without giving me the proper documents that I requested in the dispute to prove that this account was indeed correctly stated as mine. I would like this to be reinvestigated as soon as possible. This account needs to be 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 explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Beginning on XX/XX/XXXX there were fraudulent charges that appeared on my debit card account with PNC. As soon as I noticed the charges I reported them to PNC. The charges were made in geographic locations FAR from my home that I have never been to in my life. I DID NOT LOSE my debit card, I still have it in my possession. I filed a police report as instructed. The accounts summed to roughly {$3900.00}. PNC has refused to reimburse me even though THEIR system was hacked. When I logged onto my account after seeing the fraudulent charges, someone had added an authorized phone number on my account. I have proof I was at my job in XXXX at the time of the purchase. I have proof the card was still in my possession. PNC told me to reopen my dispute I needed to travel to the location where the fraud took place and retrieve security footage to prove I wasnt the one who made the purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
Alphera Financial Services is the original creditor. They have me owed for XXXX that is not my debt. The date of activity is different across the bureaus. I have reached out to all 3 major credit bureaus ( XXXX, XXXX, XXXX ) and disputed this account. XXXX removed the account but XXXX and XXXX are still reporting this inaccurate information. Can you please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: PA

Complaint narrative:
________________________________________ EXPERIAN/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2019 XXXX  _________________________________ XXXX. XXXX XXXX XXXX  IN ACCORDANCE TO 15 USC 1681 602A .... I HAVE A RIGHT TO PRIVACY.

IN ACCORDANCE TO 15 USC 1681 SECTION 2 ... 
THE CREDIT REPORTING AGENCY DOES NOT HAVE PERMISSION TO POST MY INFORMATION WITH OUT MY CONSENT.

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 2022-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: IL

Complaint narrative:
XXXXL J ROSS ASSOCIATES, INC Once again there is no cease and desist in place You bought the debt for cents on the dollar and are trying to make me pay for something already paid for, written off, or not even validated as mine The burden of proof is legally on you I owe you no information and refuse to give such to an unknown company You legally can not collect this as stated before. You legally can not have this on my report UNTIL it is agreed to be mine as stated before If you disagree send me a summons or remove it because I have all LAWFUL PROOF to back my claim. You never even tried to communicate with me not 1 voice-mail or anything EVER I have AMAZING credit so I know this is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: MI

Complaint narrative:
I received a mail notification from Discover explaining that an attempt to open a bank account in my name occured on XX/XX/XXXX. As a result, the fraudulent applicant could not verify required information, and the application was denied with an ongoing investigation. There has been several attempts within the past three to six months successfully applying for credit cards, hacking my credit websites, redirecting current credit cards, email, and voicemail. As a result, I have put in place a security freeze on XXXX XXXX and all three credit bureaus along with two-step verification processes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST NATIONAL BANK OF OMAHA
State: MS

Complaint narrative:
This debt is over 7 years old. They sued and got a judgement. Which I filed a motion to set aside judgement. I have tried to settle the account but they refuse to remove from my report after we settle 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 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Due to a money transfer routing issue, Citizens Bank did not receive funds before the mortgage due date. Instead of calling or emailing me to simply correct the routing issue, they reported the delayed payment to the credit agencies. The issue on my end was immediately corrected when brought to my attention and has nothing to do with my ability to make the payment or my credit worthiness. That Citizens did not contact me is a violation of their own internal policies as confirmed by two of their call center representatives. My suspicion given the wait times for representatives ( in excess of 45 minutes ) is that this bank is understaffed making it unable to meet its internal and client-facing service level agreements. While that in itself would be fine in my case, it is unacceptable to also damage a client 's credit because of it. It took no time for this bank to report me to the credit agencies without contacting first, yet it is not promptly acting to correct the issue which is harming my reputation and ability to obtain credit. The call centers at this bank have been useless as they have not escalated this and continue to fail on their internal service level agreements and have still not been able to tell me why I never received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I sent in a dispute for an account that I believe is inaccurate. XXXX XXXX # XXXX. after pulling my 3 bureau side by side credit report I can clearly see inaccuracies 1. date of last activity is accurate 2. date reported is incorrect 3. opened is incorrect 4. account description is incorrect 5.payment status is incorrect 6. last payment is incorrect 7. INCORRECT ADDRESS according to the fcra information as to be 100 % accurate.. why are u reporting different information than EQUIFAX IF YOU'RE BOTH GETTING YOUR INFORMATION FROM THE SAME CREDITOR WHY IS IF DIFFERENT..IVE INCLUDED DOCUMENTS FROM THE ORIGINAL CREDITOR. CORRECT ADDRESS. CORRECT DATES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX COMENITY CAPITAL BANK XXXX XXXX XXXX XXXX, OH XXXX Re : XXXX XXXX XXXX XXXX Comenity Bank BJs My Perks MasterCard You have not responded to my previous dispute, and you continue to disregard the terms and conditions of your User Agreement. On XX/XX/XXXX, I made a purchase at the XXXX XXXX, NY BJs in the amount of {$110.00}. Please review the attached copy of both the BJs online receipt and your transactions and statement records for this purchase. Despite the terms and conditions on the Rewards applicable to this card, you are not tracking, processing, or crediting these Rewards accurately since XX/XX/XXXX. This was compounded with further insult when your online services list an award having been redeemed for - {$10.00} on XX/XX/XXXX, when the BJs receipt clearly shows no such award was used. Correct this error, re-credit me the incorrectly adjusted {$10.00} Reward, correctly accumulate and allow the use of all Rewards, and honor your terms and conditions! 

This is the most outrageous behavior I have ever encountered with accredit card and bank. It is 1 month since you started your online update, and your customer services, records, and processing are all still completely whacked the XXXX out! Get a grip! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I was on a Covid forbearance plan intended to help save my home. I got a new job, recently ended the forbearance, and applied for a Covid relief modification. I have been in my home since XX/XX/2013 and received a letter from my mortgage provider that stated they are approving the modification for 30 years, and my interest rate will go from 4.25 % to 6.00 % which will increase my mortgage to {$1700.00}. If I don't agree to this increase, I may lose my home. I don't understand how making my mortgage payments higher with an increased rate helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: TX

Complaint narrative:
Ive called US bank several times, the call is dropped after going through different process while on hold or being transferred by computer

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 2022-07-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX of XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  -XXXX  XXXX XXXX, XXXX - XX/XX/XXXX, XXXX - XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX, XXXX ( Finance ) - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX Bank - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/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

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 2022-07-19 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: TX

Complaint narrative:
On XXXX I sent out dispute letters for XXXX account to be investigated. It is a closed account on my report still showing a past due balance which is inaccurate reporting. They auto verified my dispute without giving me the proper documents that I requested in the dispute to prove that this account was indeed correctly stated as mine. I would like this to be reinvestigated as soon as possible. This account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account Number : XXXX Please remove it 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 explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I opened this BJs credit card as it was to give a cash promo, which they quickly used as FEES later so I called for the amount to cancel the card completely with the full amount to absolute XXXX no XXXX later of pennies as they are doing now ... .so I can cut this up never see them again. I Never saw just piles of high fees they want to attach. Don't you figure .... now it tried to add another lousy XXXX for no reason, I figures they would you go through so much to find this company and get an answer. 
Im on hold RIGHT now again this whole time here as they didn't answer last time and how it's over 50 % charge to add to this lousy XXXX to get interest, of XXXX dollars and more interest on that interest. 
I saw this coming and why I cancelled the card. I am ALREADY in a once and done finish with her giving me the total never using the card again and paid. 
SO all this extra is to cause problems 45 days later ... no fees could have happened at all after we were COMPLETELy clear on them not pulling this. This is an old XXXX card scam. Not gon na happen and I'm complaining and warning everyone I know not to go near this UNKNOWn Bank as well that is behind the BJs company. NEVER ever. 
Now the on hold again can't take it for more than22.39 seconds and hung up on me. 
Same old same old. THey need shut down. The Bank is a scam of fees with NO employees and NO phone to get someone, They try to keep adding {$41.00} late fees and it says it still on the back page. Never let anyone get this card. PS. THEY DO NOT WANT YOU CALLING. THEY WANT YOU DIGGING ON THE INET FOR A NUMBER AND THE PAPER BILL WANTS YOU TO SNAIL MAIL ANY ISSUES> OH<<< SO IT '' S LATE AGAIN? FOR ANOTHER $ XXXX XXXX SCAM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Person called from XXXX and basically said I owed {$8000.00} from a Capital One Card ( that I never had ) dating back 5 years ago. 
Very persuasive and pushy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: PA

Complaint narrative:
________________________________________ XXXX XXXX TRANSUNION XXXX XXXX XXXX BALANCE XXXX DATE OPENED XX/XX/2019 COLLECTION _________________________________ 2. XXXX XXXX COLLECTION IN ACCORDANCE TO 15 USC 1681 602A .... I HAVE A RIGHT TO PRIVACY. 

IN ACCORDANCE TO 15 USC 1681 SECTION 2 ... 
THE CREDIT REPORTING AGENCY DOES NOT HAVE PERMISSION TO POST MY INFORMATION WITH OUT MY CONSENT.

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 2022-07-19 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:
________________________________________ XXXX EQUIFAX/ XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2019 COLLECTION _________________________________ 2. XXXX XXXX COLLECTION IN ACCORDANCE TO 15 USC 1681 602A .... I HAVE A RIGHT TO PRIVACY.

IN ACCORDANCE TO 15 USC 1681 SECTION 2 ...

THE CREDIT REPORTING AGENCY DOES NOT HAVE PERMISSION TO POST MY INFORMATION WITH OUT MY CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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.

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