vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
On XX/XX/2022 my Experian credit report dropped my credit by XXXX points without any explanation when the other companies actually increased my credit by XXXX points. I have no delinquent bills or debt I have paid all my loans down ahead in fact there is positive points in my report and nothing negative at all. I called Experian without any resolution to this problem.

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 2022-08-06 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: RI

Complaint narrative:
I filed a dispute and nothing was updated. I included a letter from my creditor ( XXXX ) saying they agree to remove the late payments from my account but the dispute was said to be completed but there is nothing updated in the dispute and it doesn't say one word about anything in the results not any explanations. Dispute number 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 2022-08-06 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 — Problem with personal statement of dispute
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
Radius Global Solutions, A DEBT COLLECTOR is Harrasing me about a transfered debt from XXXX XXXX Which I Do Not Owe, on XX/XX/2022 Please advise to how I DISPUTE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a notification from my XXXX credit monitoring service, that NATIONWIDE RECOVERY SYS reported a new collection account to my credit report ; Date Opened XX/XX/XXXX, XXXX for the amount of {$120.00} ( Original Creditor : XXXX XXXX XXXX ) I have not been provided validation or notification of this debt. I have no knowledge of this account. I have never done Buissness with XXXX XXXX XXXXXXXX, which when I XXXX turned out to be closed since XX/XX/XXXX, also this specific hospital is owned by XXXX XXXX Which had multiple charges of fraud toward investors and patients ; I have never done business with nor received any communication or written notices from Nationwide Recovery Systems. This is a violation of my rights under Section 809 ( a ) for failure to provide written notice within 5 days to a consumer regarding collection of an alleged debt. I respectfully request the closure and prompt removal of this account from any and all consumer credit reporting agencies. 
XXXX has removed the account but XXXX refused to do the same. I have contacted the Nationwide recovery system by phone and email and requested a verification of the debt but they have failed to provide it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc.
State: MA

Complaint narrative:
Company : Kikoff Lending LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Bottom Line Up Front : On XXXX XX/XX/2022, for the first time I learned that I line of credit had been opened in my name that I did not authorize on XXXX XX/XX/2022 with Kikoff Lending LLC. I need this account closed and the " delinquent '' account removed from my credit score as quickly as possible. 

My credit report showed as of XXXX XX/XX/2022 that I am delinquent in the amount of {$2.00} to this company as I have allegedly not paid {$2.00} payments in either XXXX or XX/XX/2022 and somehow have a balance of {$24.00} due. My credit score with XXXX has dropped XXXX points as a result of this " delinquent '' account that I did not authorize and had XXXX knowledge of until I noticed my dropped credit score. 

- On XXXX XXXX, I contacted Kikoff Lending via email ( the only way to contact them apparently ) and received the attached email. Reviewing almost identical summaries on the XXXX XXXX XXXX website of complaints against this company, I absolutely anticipate that I am a victim of fraud in this case. I have no username, password, or other information with which to evaluate my " account '' with this company. Again, I did not open any line of credit with this firm that allegedly builds/restores customer credit. 

- I plan to file a police report later today, XXXX XX/XX/2022. 

Any help that can provided is much appreciated regarding this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im applying for a mortgage the other two credit bureaus XXXX XXXX XXXX are showing everything but Equifax can not be pulled up and it is jeopardizing my living arrangements to the point where I might be XXXX the mortgage company looked at my score to get to but couldnt get the other from Equifax I called thinking it was a freeze and no feedback once I discovered there was no freeze I have heard many people are going to the same problem please tell me what it is I should do in order to save myself from poverty No

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Went to bank of America opened a account. Deposited and cashed a couple smaller checks. 
Took my check for my rent to bofa on the XXXX of the month to deposit in person. Teller said the check would be released in 3 buisness days. I was upset because I get charged late fees after the XXXX so 3 buisness days was on the XXXX. I also have car insurance and other necessities that I need to pay. They didn't even give me XXXX $ I for my gas or food or anything. The check in total was XXXX XXXX I have called multiple times to bank branches and sit on hold to get no help So I wait till the XXXX and check my account. They changed the hold date now till the XXXX at XXXX so actually the XXXX I will be able to pay rent.if.i don't get a pay or quite. I am charged XXXX $ and XXXX $ a day after the XXXX plus if I get a pay or quite on the XXXX or XXXX then I pay a XXXX $ in legal fees on top of all the late fees... I have no money rt now and that check was everything... 
I went into the bank today augest XXXX and spent a hour and got nowhere. They gladly cashed my XXXX $ check and I called the payee of the check and the check money has already been removed from the payers account on the XXXX. The next day after I brought the check in.. 

I have called the bank, spoken with supervisors, the only reason they put a hold in the first place is because of my appearance... The manager literally looked at me and looked back at the teller and shook his head yes and they held the check It is now the XXXX and I have spent hours trying to get to this point..

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 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
On XX/XX/2022 at XXXX a.m. eastern time. I had called the customer service support center at XXXX and spoke to a representative named XXXX. I inquired about the status of my current Aspire credit card and asked him on why did the company decided to close my credit card account? I also told him that I had also received an e-mail from Aspire on XX/XX/2022 at XXXX regarding to the closure of my account, due to the fact that I did not use my card regularly even though my balance is absolutely at {$0.00} and I had always made monthly and annual payments for the fees they had charged me in full and early but never been late or short in payments. He told me that I was right and correct but he said what he is seeing on his computer is the one and only reason why it was closed because of non-use of the credit card regularly. I immediately requested to see if I can speak to a different department who is authorized to review and reopen my account or someone who is higher in rank that is authorized to do the same but the representative became defiant so he refused and ignored my request. He told me I have to reapply again or wait for an invitation. He wanted to end the call quick and not provide outstanding customer service like he is supposed to as I am a valued consumer. The representative is very poorly trained and clearly ignorant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
I am XXXX XXXX military, within a provisional state however they are not willing to give me the SCRA benefits. Since I am eligiblefor SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my XXXX  that show Ohio as my tax state, XXXX Individuals Covered by the SCRA Members of the XXXX, on XXXX XXXX SCRA protections extend to servicemembers ' dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals ' support for 180 days immediately preceding application for relief under the Act. ( including XXXX  ordered to XXXX XXXX ). Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. creditor must forgive - not defer - interest greater than six percent per year. See 50 U.S.C. {$3900.00} ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at XXXX  ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at {$3900.00} ( a ) ( 3 ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - First attempt to receive information on PMI cancellation was made by me using their online ticket system and went completely ignored by Nationstar. Automated ticket response claims they may follow up with phone call or email ( neither of which were consented to forms of communication and neither of which were even attempted ), after which tickets were marked as read-only despite no communication occurring whatsoever. The automated message additionally directly implicates XXXX XXXX XXXX XXXX  as involved in the negligence. 
XX/XX/XXXX - Follow-up attempt on previous ticket was made and again completely ignored by Nationstar Sometime during XXXX XXXX - Mortgage was transferred to Nationstar 's Mr. Cooper subsidiary with neither consent nor notice and payment page was deleted without redirection to the new page in a deliberate attempt to cause missed payments on the mortgage. 
XX/XX/XXXX - Attempt again made to receive information on PMI cancellation, again completely ignored XX/XX/XXXX - Final attempt to receive information made and again ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: GA

Complaint narrative:
My husband and I paid our mortgage on XX/XX/2022 using the mortgage statement that was sent to me by American Pacific Mortgage and the loan number provided on the statement. The mortgage payment has been deducted from my account. I called American Pacific Mortgage to confirm payment was applied to account because they didnt provide an online portal to review account. When I called I was told there was no record of an account in my name or my husbands name, I was told that mortgage number did not exist and that they have no record of a payment. I asked them how was that possible and I was told they didnt know and now my money is not accounted for and Im told we do not have an account but on all of our closing docs and our mortgage statement all have this loan number we were told doesnt exist.

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 2022-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AZ

Complaint narrative:
In 2018 we lived in an apartment complex, and were in our last month of the lease. During this time the unit was flooded by a leak from another unit, and cause damage to our unit including all of our furniture. It was also during this time that there was a change in management companies. We attempted to explain the situation to the new management company, but they refused to accept anything less than us paying for the damage. We refused, and it was turned over to a collection agency. I again disputed the debt with the collection agency, but they refused to listen. At the time they were given pictures, and documents as proof of the damage, but still refused to accept nothing less than us paying for damages to the unit. We lived for several month with a large hole in our bathroom wall due to this issue. We do not believe this debt is owed by us, and believe false information was used to create the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed an old, disputed account reappeared on my credit profile. This item was disputed in XXXX and reappeared on my report XX/XX/XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 611 and Section 617 if the UNVERIFIED item/s listed are not deleted immediately. After the investigation this item was deleted. Unfortunately, the joy was short lived. The item has returned back to my account and creating more harm to my report and current lifestyle. As per mandatory by the FCRA 611 ( 15 U.S.C. 1681I ) it is required that you guys send me ( within 5 days ) a certification of accuracy and also a notice of the updated information. I havent received any of this, because of this, I am demanding you remove all information associated with this debt from my credit report instantly!

Also, under pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. XXXX never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: Entrata Inc.
State: CO

Complaint narrative:
I lived at XXXX XXXX XXXX XXXX XXXX IL XXXX from XXXX this was my home and I owned it until we sold PLEASE TAKE THE FOLLOWING OFF MY CREDIT REPORT I never lived at XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX I never lived at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/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 2022-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank calls repeatedly during the day, 5 times or more, sometimes even back to back. They never leave a message. I acknowledge I am in the wrong and owe a payment, but the frequency of calls is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 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: AZ

Complaint narrative:
I contacted Experian twice about an incorrect account on my credit report. 

Experian is reporting that I have a collection account with XXXX XXXX XXXX XXXX, original creditor being XXXX XXXX XXXX I explained to Experian in detail that I dont know who XXXX XXXX XXXX is and that I have never opened an account with them. 

I submitted two dispute with Experian requesting them to remove this account, first dispute in early XXXX and a second dispute later in XXXX after the closed out my initial dispute. 

Additionally, I requested documentation from Experian on their debt verification method with both disputes. 

Experian has not provided me their debt verification method after either of the disputes. 

I filed a police report with the XXXX Police Department and provided it to Experian. The police report detailed the fact that I have never done business with XXXX XXXX XXXX, yet Experian insist on keep this account on my credit profile. 

Additionally Experian refuses to provide me their debt verification method, as is required by law. 

I plan to sue Experian for the damages they have cause me, and this complaint with CFPB is the first step in the legal action.

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 2022-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XX/XX/2022 I was denied credit trying to lease a car and I was eve told I needed a co-signer for a car at a XXXX dealership with a discount code and everything! 
I was highly upset and discouraged. 
my credit was ran twice while I'm going through credit repair and its just all bad!

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 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/XXXX I tried to reapply for a new credit card due to my old card being cancelled and charged off. I was denied credit and that's unlawful. 

12 CFR 1002.6 - Rules concerning evaluation of applications.

CFR 1002.6 Rules concerning evaluation of applications.

( a ) General rule concerning use of information. Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to discriminate against an applicant on a prohibited basis. The legislative history of the Act indicates that the Congress intended an effects test concept, as outlined in the employment field by the Supreme Court in the cases of Griggs v. Duke Power Co., 401 U.S. 424 ( XXXX ), and Albemarle Paper Co. v. Moody, 422 U.S. 405 ( 1XXXX ), to be applicable to a creditor 's determination of creditworthiness. 

( b ) Specific rules concerning use of information. 

( XXXX ) Except as provided in the Act and this part, a creditor shall not take a prohibited basis into account in any system of evaluating the creditworthiness of applicants.

1002.7 Rules concerning extensions of credit.

( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. 

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. 

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.

Company response to consumer: Closed with explanation