vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX am filing a complaint against the Experian Credit Bureau because for the past 2 years I do not have a credit score and after calling and writing the company this important issue has not been resolved. This problem has cause me not to be able to get approved for any kind of business funding from my Bank.

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 2022-08-09 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: TX

Complaint narrative:
After reviewing my credit report I continue to notice unauthorized accounts I gave no consent to be furnished. I've demanded the accounts be removed immediately, but Experian continues to do false investigations. I've requested full file disclosure per my rights as a consumer. I only get a generic response that the accounts have been verified without insuring the information is accurate. This grave error has undermined my confidence in Experian 's procedures, and as a result of this I will no longer be extending credit and if the information is not removed I no longer want my information reported in your companies database. Pursuant to 15 USC 1681 ( a ) ( 2 )- Experian is a powerless elaborate mechanism. This mishap that your company caused has ruined my reputation, and it adversely affected my credit worthiness. Pursuant to 15 USC 1681 ( a ) ( 3 ) - Your company assumed this role. You were not given permission by me, the consumer or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role and assumed this information was valid which is a violation of my consumer rights. Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) - you did not insure the information was accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if these transactions even took place.Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. The alleged transactions that you are reporting, and failed to investigate whether or not it factually took place between the consumer and the person making the report which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This in fact is another violation. Pursuant to 15 USC 1681a ( B ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that Experian clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( I ) as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

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 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Apparently the " Risk Department '' of Bank of America has placed me and my XXXX XXXX business on some type of " blacklist '' back in 2014 ( more than 8 years ago ) prohibiting and preventing me from opening a small business checking or savings account there. 

Not only that, but according to the woman servicing us and trying to open our bank account ( XXXX XXXX XXXX and her XXXX Florida on screen cohort ) they would not even tell us what the problem is/was. 

This is wholesale illegal, unethical, immoral, and a complete and total denial of our ability to conduct and transact business and is incredibly humiliating and scary as well ( they did this in front of my wife when we were at the bank together ). 

Please remove this illegal and unconstitutional " blacklist '' from me and my XXXX XXXX  tax ID and social security number, certainly 8 years after it was apparently " entered, '' and find out who exactly the XXXX XXXX were who did this, and punish them legally and equitably, most severely.

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 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Someone downloaded and used my personal Cashapp without my knowing. Over {$8000.00} was stolen from my account without my knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dated XX/XX/XXXX. XXXX XXXX XXXX - XXXX, XXXX, RE : XXXX. Amount : {$4300.00}. 
I sent a certified letter to them verified my signature that I did business with them to no avail they would not send me any information with my signature. 

Dated XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX ; XXXX, Amount : {$950.00} Same as above. 
Many letters were sent last year also, XX/XX/XXXX. These cases are very old I would like it removed from my credit report just by verifying my signature, Any help would greatly be appreciated.

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

Complaint narrative:
On XX/XX/2022, I was speaking to a representative for 10 minutes listing unauthorized inquiries. After taking several notes and speaking to her for 10 minutes, hhe then said she'd need to forward me to the fraud department. The individual answered and did not state their name or if they worked with the fraud department. I asked for her name and she reluctantly mumbled " XXXX. '' She cut me off and told me I have to call each creditor. I asked her why would the first person ask me for all this information including the list of inquiries for me to be turned down. She said she didn't know. I then asked her if she was in the fraud department and it was completely silent. I kept saying hello and she did not respond. This is no way to treat a consumer dealing with 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 2022-08-09 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: PA

Complaint narrative:
After review of my credit report, I discovered numerous Hard Inquiries that I never authorized.

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 2022-08-09 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: PA

Complaint narrative:
After review of my credit report, I discovered numerous Hard Inquiries that I never authorized.

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 2022-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a promotional offer email of the capital one quicksilver card saying that once I got approved and spent {$500.00} on the first 3 months, I will receive {$200.00} cash reward. So I applied the card and got approved, spent more than {$500.00} on the first 3 months but never receive the {$200.00} cash reward as advertised. 

I called capital one twice and they just said that they can not give me the {$200.00} cash bonus, without a appropriate reason. This is really unfair for me. 

Please see the attached picture for the {$200.00} cash reward advertisement email they sent me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Great American Finance Co
State: FL

Complaint narrative:
My billing is incorrect I have notified them almost monthly. This is a furniture finance and It has promotions that excludes interest if paid by promotion dates I have paid all of the promotions by the date due to have them closed but there is one for XXXX that was paid and I am getting billing stating that it has not been paid and it's past due which isn't true The rep/sup XXXX threatened me and said that if I didn't pay today I would lose my promotion I attempted to inform him that the bill is incorrect and I needed it to be corrected prior to payment to ensure I am paying correct amount. I am willing to pay what I owe and nothing else To have manager call me to resolve billing issues send an accurate bill and remove all or any late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have years of unpaid Navient student loans. Multiple forebearances, they would never reduce my payments. My daughter and I both signed for loans. She was included in the settlement but I was not. The school owner was sent to federal prison for money fraud. I would like to know why I was not included in the settlement. The Navient settlement website referred me to my state attorney 's office and XXXX referred me back to Navient. Any assistance would be helpful thank you.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I fell into a common art scam An email was sent to me, interested in my art, client wishes to purchase a framed painting for XXXX USD Client sent a check directly to me, saying that he needs to be discreet, send XXXX USD check instead of XXXX, once inquired he says that an agent needs to pick it up and deliver for XXXX USD Foolishly sent XXXX USD to XXXX after being rushed by the agent The check XXXX  USD bounced out of the bank account Robbed of XXXX USD XXXX XXXX XXXX turns out I fell into a common scam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Wolf River Development Company
State: MS

Complaint narrative:
In XX/XX/2022 I went online and apply for a payday loan and the young lady say to call her for approval so I call her and she stated that you are approved for {$1000.00} and told me how much my monthly payments are going to be which is XXXX but she never told me how many months it would be nor did I sign any documents after four months I received a balance statement saying to pay off is XXXX dollars whuch I think is too much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I owe a 10-year-old debt for < {$1000.00} to XXXX XXXX XXXX, XXXX XXXX. When Midland Credit first started calling ( about one year ago ) they stated that they were with XXXX XXXX XXXX and that this was a current debt that needed to be paid or I would be sued for {$1600.00}. I was confused because I did have a current card with XXXX XXXX XXXX, but it only had a {$500.00} limit. So, they claimed that it was on my current credit card and that they were filing a lawsuit was very confusing. So, I started asking specific questions, what company are you with? They answered XXXX XXXX XXXX, so I told the representative that was impossible because my current credit limit was only {$500.00}. He said that with late charges and over-the-limit fees it had increased. I told him that I wanted to speak with a supervisor. He put another man on the phone who I asked if he were in-fact a supervisor and if he could confirm everything that the representative was saying was accurate and he did. I told him it couldn't be accurate, and he was just high-pressure, threatening to ruin my credit, that I would never be able to own anything, that they were going to file a lawsuit etc. I asked to speak back to the representative. So, the man claiming to be a " supervisor '' picked up and said " Yes, how can I help you. '' I recognized his voice. I said, " Yes sir, are you a supervisor? '' He answered, " No I am representative, what can I help you with. '' He forgot which line he had picked up, so I said, " So you lied on a recorded line and you're NOT a supervisor at all? ". He responded, " I will not answer this. '' I happened to remember just then about the 10 years ago debt with XXXX XXXX XXXX and let them know that they couldn't sue me because the statute of limitations has passed. So, the representative responded, " We here at Midland Credit report you every 2 weeks to the agencies and we'll ruin your credit. '' Really, because that's illegal as well for a 10-year-old debt. They got frustrated and hung up on me when I pointed out their lies and fraudulent scams. Ever since, they call 6-10x/day even though I've asked repeatedly for them to not call during working hours because my boss has already threatened to write me up if they don't stop. I've asked Midland multiple times to please not call during my working hours of XXXX, but they still harass me daily threatening to ruin my life, credit etc. I don't know how to get them to stop. Especially, all their lies and fraudulent claims and behaviors. What can I do? I have never received written correspondence regarding this debt from Midland Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Global Lending Services LLC
State: FL

Complaint narrative:
I sent a dispute through XXXX XXXX and XXXX to remove my auto loan Global Lending Service and even though its paid off they didnt remove it.

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

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion NAMES : XXXX, XXXX XXXX, XXXX XXXX, XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYERS : XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: IL

Complaint narrative:
My mortgage company, SN SERVICING CORP, XXXX XXXX XXXX, XXXX California XXXX, continues to charge me $ XXXX per month for forced place condo ( homeowners ) insurance. I have had my own condo insurance since XX/XX/2022. The condo insurance that I have is with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, policy number XXXX. I have mailed in a copy of Evidence of Property Insurance to my lender multiple times, additionally XXXX XXXX XXXX has mailed to my lender multiple copies of the Evidence of Property Insurance statement. I have called my lender numerous times to ask them to stop charging me for the forced place insurance. They will not return my calls. I need to cancel this forced place insurance. I can not afford to pay {$210.00} per month for absolutely nothing. Please help.

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

Complaint narrative:
On XX/XX/2022 I mailed Experian a letter via USPS, which they received on XXXX, XXXXXXXX XXXX as per USPS confirmation # XXXX. I requested their methods of verification for their previous investigative consumer report they furnished ; report # XXXX. I have attached the letter below. I have still not received Experian 's methods used for verification of the accounts they claimed to be verified after their previous investigation. Experian 's 15 day time limit allowed by law to provide my requested documentation has expired.

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