vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
Up until this point I have had no issues with American Express. I have never missed payments, never had poor experiences, etc. That unfortunately has changed. Recently my wife and I both applied for the Delta Gold card ( within the past month ). She was instantaneously approved whilst I was asked to provide " more documentation ''. This already felt odd from the outset given my credit history is substantially longer and my credit score was also higher than hers. She even had a small but nonetheless open collections account that we had been unaware of at the time of her application. Yet she was still instantaneously approved and I was not. 

I received a letter in the mail from Amex demanding that the documentation I provide by mortgage statements/home insurance statements etc. I also need to provide proof of my name! This is when it became apparent that I was suffering discrimination and the XXXX was being violated. My wife and I recently became homeowners and thus our address changed on our Amex accounts we were now owners instead of renters. Why was she not asked to provide supplemental documentation. Why is it just assumed that she is being entirely truthful and forthright about her address. Simply put, she has an entirely Caucasian name. We have not processed a last name change yet and thus her name comes off as entirely Caucasian. Both my first and last name clearly suggest I am a non-white person. The insinuation hear is that I as a non-white person I am not as creditworthy and may have made a false statement in claiming that I own a home ( or even gave a false name according to Amex?! ). This is simply unacceptable. 

Perhaps the true final nail in the coffin was my wife had never remembered to change her address when we became homeowners. Amex had my new address already, but they hadn't had hers. She had applied for something else previously ( and was instantly approved ), and informed me she got a letter from Amex saying it appeared her address in her account was potentially incorrect. Yet she was still approved instantly. Amex changed the address in her account on her behalf, and just simply accepted the fact that it's her home. Honestly, my credit report clearly shows both my address as well as my mortgage. It's absurd. 

I went from being a XXXX, XXXX, XXXX XXXX XXXXXXXX youth to someone who is about to earn a XXXX XXXX XXXX, has a credit score well beyond the average for my age, was a first-gen home owner at XXXX despite my upbringing, and still my worthiness within the financial marketplace is questioned, in fact my story invalidated, because of something I can not change about myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I did not give Resurgent Receivables LLC authorization to use anything whatsoever of my information. I have made a report against them the FTC. Resurgent Receivables LLC are in violation Pursuant to 18 U.S.C 1028A, This company Resurgent Receivables LLC are in violation. I never gave them the authorization to use my information. Pursuant to 42 U.S.C 408 Resurgent Receivables LLC are in violation. Pursuant to 18 U.S.C 1030 Resurgent Receivables LLC are in violation. Pursuant to 18 U.S.C 894. Pursuant to 15U.S.C 1693e pursuant to 15U.S.C 1681. Pursuant to 15U.S.C 1692d, Resurgent Receivables LLC are in violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt. XXXX XXXX XXXX willfully failed to comply with the provisions of SUBCHAPTER V of the 15 U.S. Code Chapter 41 with respect to I the consumer and such failure caused damage to my reputation, credit-worthiness and credit capacity which resulted in adverse action being taken against me when I tried to obtain new credit during this pandemic, this has caused me financial injury and am pursuant to 15 U.S. Code 1692k they are now liable to me for such damages sustained due to their noncompliance. XXXX XXXX XXXX willfully failed to comply with the requirements imposed under SUBCHAPTER XXXXII of the 15 U.S. Code Chapter 41 in respect to I the consumer and am aware that they are now liable in the amount of {$1000.00} pursuant to 15 U.S. Code 1681n ( a ). Fact, I the affiant am invoking my rights pursuant to 15 U.S. Code 1692K and 15 U.S. Code 1681 ( n ) and make a demand for monetary relief for the violations and actual damages caused to I the consumer due the willful noncompliance by XXXX XXXX XXXX. I am demanding monetary relief for the damages above or I will file suit in federal court within the next 14 days if my demands are not met. This is not a negotiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: LA

Complaint narrative:
Called Transunion about hard inquiries from I did not recognize nor gave permission to pull my report. Each rep told me they can not and will not delete the inquiries and gave me a script they read about it staying on my report for 2 years from the pull. they said that because it's on my report I gave them permission to pull the report. I called each creditor, which they have no idea where it came from and told me to call the credit bureaus. called Transunion spoke with several people, who i did not understand. asked to give me their name and employee id number. no one gave me their id but gave me a fake last name. 
Companies in question are XXXX XXXX XXXX XXXX XXXX auto XXXX flagship credit acceptance 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 explanation
Consumer complaint received 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reached out to the credit bureau over a month ago and I am yet to receive a response, these items are inaccurate and I demand them to be deleted.

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 2022-03-16 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: NY

Complaint narrative:
I reached out to the credit bureau over a month ago and I am yet to receive a response, these items are inaccurate and I demand them to be deleted.

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 2022-03-16 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
Hello, Credit agency did not update credit file properly. 

I have not signed any written or verbal agreements with signed companies below : XXXX XXXX, XXXX XXXX XXXX, any other collection and incorrect reporting as lost or stolen. This is incorrect and I did not sign any contracts with the stated agencies. 

These items should automatically fall off : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: OneMain Finance Corporation
State: CA

Complaint narrative:
Hello, Credit agency did not update credit file properly. 

I have not signed any written or verbal agreements with signed companies below : XXXX XXXX, XXXX XXXX XXXX, any other collection and incorrect reporting as lost or stolen. This is incorrect and I did not sign any contracts with the stated agencies. 

These items should automatically fall off : One Main Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I made a payment on XX/XX/XXXX and scheduled for XX/XX/XXXX which was the due date. You did not process payment nor did you note on my account but I have my email confirmation. Not only that you charged me XXXX late fee for YOUR MISTAKE. This happened in XXXX  as well. I am not sure what your system problem is but for your mistakes you have now charged me XXXX in late fees. I had to make my payment again in XXXX  when I noticed you did not process again and I paid on XX/XX/XXXX since my XX/XX/XXXX payment never processed. Now XXXX same issue and you have been causing financial and credit reporting harm because of your system issues not mine. I call in and no one will help. I called in this morning and spoke to a XXXX at XXXX am. She was extremely unhelpful. I gave her all the information and she said she could do nothing. She can not do anything about late fees that were applied incorrectly and then just kept me on hold. I asked for supervisor after 20 mins of XXXX just repeating her canned script and not knowing anything or being helpful. A supervisor never answered and I stayed on hold for another 40 mins!!! This is ridiculous. I am sending copied of this to the CFPB and FTC as well as all credit reporting agencies since you can not fix your system or payments and then keep charging me FEES FOR YOUR ERRORS!!!! UNBELIEVEABLE. Fix your customer service as it is by far awful. I can tell it is people that most likely do not work in the US and just use a script and are unable to actually do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: TN

Complaint narrative:
I have a closing on my new home in 48hrs XX/XX/XXXX. In order to close on time, I need my Partial Claim Payoff Statement. I can only get my Partial Claim Payoff Statement from ISN if my lender Midland Mortgage has filed my Partial Claim in the HUD computer system. I have email confirmations from HUD & ISN stating Midland Mortgage has yet to file my partial claim in the HUD system. I have reached out to Midland Mortgage several times trying to get them to file my Partial Claim in the HUD system. Ive been making phone calls, sending emails, sending faxes and letters to Midland Mortgage since XX/XX/XXXX trying to get this resolved. I need Midland Mortgage to file my Partial Claim in the HUD computer system immediately so that ISN can generate my Payoff statement and I can close on time this Friday XX/XX/XXXX Loan XXXX FHA Case 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 explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a continuation from previous CFPB and reports and fraud : XXXX XXXX Enclosed are copies of my XXXX identity XXXX. 
In them, and assumingly by design, are many, many alarming, appalling, concerning, misuses of personal identity which has affected me personally my entire life. As a result, my insurance, background, court records, identity, and opportunities to advance are constantly and continually averted, thwarted, and assumingly illegally compromised with aliases, loans, inaccurate and unassociated court records. There are only several logical explanations which I will list below. The reports enclosed speak for themselves and further validate my claim. However, my attempts to address these issues in an all inclusive report, multiple times over my adulthood, has yielded little to zero results with a continual battery of prejudice, subjugation of minimal advancement, hope, or justice all the while the abuse of powers, and the perpetrators advance freely. 
With that said, a detailed report per entity will follow which involves but is not limited to insurance companies, mortgages, banks, loans, private and public companies, etc. 
All of which originate from this initial claim of fraudulent activity and abuse of power. 
The data regarding a background check, insurance, mortgages, and more originate from the same source and directive. 
XXXX ) Either the XXXX of Texas XXXX XXXX has or was compromised. 
XXXX ) A rouge editor of XXXX XXXX records. 
XXXX ) By design and integral to City, XXXX XXXX XXXX, XXXX, and Federal municipality, XXXX under the directive of the XXXX XXXX Texas XXXX XXXX. 
Options XXXX ) and XXXX ) require too much effort and altering records negatively are of zero benefit. 
Option XXXX ) however, is of great benefit and even if not, are and always have been under the direction of The XXXX XXXX, specifically, regarding insurance, mortgages, and vitally, court and criminal records. All of which are potentially detrimental to the person of interest, yet beneficial to The Governors of past, present, and future. 
These peculiar practices are extremely unjust especially and particularly when a person has paid their debts to the community and society. 
The Governor and the Attorney General for the XXXX XXXX Texas expects the citizens of the community to be of the highest moral, ethical, valued standards and by law they are required to do so themselves and are not above nor allowed to divert at will.

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 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I checked my mailbox and I received a letter from my local tax office. I have a Mortgage with Cross Country Mortgage LLC. This company has not paid all of the property tax that was owed. I closed on the home XXXX, 2021. I have an escrow account. The money should have been paid. I pay my mortgage on time every month. I have called and sent an email with the statement. I have called multiple times and went to my local tax office. Each time that I call Cross Country Mortgage, C I am being told it has went to the escalation team but there is no payment sent. This unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XX/XX/XXXX I noticed a dispute open on my experian report that I did not open. I called experian and spoke with a manager who explained it was an error made on their end, so I demanded that it be removed from my report as I did not authorize or request the dispute to be open and that the representative of experian who misused my sensitive personal information be fired, the supervisor then proceeded to hang up on me, I called back within minutes and was told I was unable to speak with any supervisor at all.

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 2022-03-16 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-16 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 XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In XXXX, XXXX, I signed on to my Nelnent online portal and increased the amount of my auto-debit from my min payment ( $ XXXX ) to $ XXXX. In XX/XX/XXXX there was no auto debit from my account. 3 months of and multiple calls/chats later, my auto debit issue is fixed ( it was an issue on the Nelnet side XXXX not the bank side ). 
Now my monthly payment has gone up from $ XXXX to $ XXXX. 
Upon contacting Nelnet, it seems my loan was re-disclosed on XX/XX/XXXX and the terms changed from XXXX payments remaining in XX/XX/XXXX to XXXX payments remaining in XX/XX/XXXX. 
The problem is I can not afford the new terms. 
This seems wrong and illegal to rewrite terms that I signed many years ago. 
Nelnet has told me the only course of action is to either put the loans in forbearance or to do a Direct Consolidation Loan. 
Do I have any rights here?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: OR

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name Please delete those accounts, its 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 2022-03-16 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: OR

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name Please delete those accounts, its 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 2022-03-16 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: WI

Complaint narrative:
My identity was stolen. I believe it happened at a XXXX gas station at XXXX XXXX XXXX XXXX XXXX Fl. XXXX. I bought fuel XX/XX/2022. On XX/XX/2022 my address was changed and a XXXX card was open with my name. The address was not my address and I did not open a new XXXX card. I found out by not receiving mail and a water company emailing me that a bill was returned. When I went to pay the bill I received the letter from them with the fraudulent address attached to the letter. 
I filed a complaint with the post office, notified the credit card company and put a block on my ID. with Experian and they told me to file a complaint with you. 
The address they used was XXXX XXXX XXXX XXXX XXXX AZ. 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 explanation