vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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 is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
To Whom it may concern - I was recently surprised to learn that in XX/XX/2021 XXXX XXXX XXXX incorrectly reported to Lexis Nexis ( XXXX ) that I had an auto claim AND reported that I was at fault for this accident. 
While I did call to inquire about filing a claim from a hit-and-run where I was not at fault, I never went through with the claim. XXXX XXXX mailed me a check for {$97.00} which I did not cash. 

In speaking with two XXXX XXXX employees they both informed me that I never did file a claim nor was I at fault, and sent me a PDF letter on XXXX XXXX letterhead to that extent. However they advised they could not rectify the consumer reporting agency data since " the claim was closed ''. 

Under FCRA, XXXX XXXX did report this information to a Consumer Reporting Agency, therefore XXXX XXXX is responsible for rectifying this information promptly upon notice that they have made an error. 

Additionally, I submitted a request to obtain my Consumer Disclosure report online from Lexis Nexis on XX/XX/XXXX. As of XX/XX/XXXX I still have not received the information required from them on obtaining this information. Their process requires me to first submit a request online, then they mail me additional information to access my report. 

The impact of this incorrect data has doubled my auto insurance premium. XXXX XXXX shared that a 6-month quote they provided me increased from {$1000.00} to {$1700.00} due to this incorrect data, a 76 % rate increase. 

I look forward to you resolving this incorrectly reporting quickly. We are in the process of moving and new quotes are astronomical due to your misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have subscribed to TransUnion credit monitoring for many years now and they provide dismal, substandard service. Today I successfully logged in and attempted to refresh my credit report as it was already two weeks old. After clicking on " submit '' the system just continued spinning for over 1/2 hour and ultimately did not update my report. I contacted TransUnion support online and they were unable to help. I tried using multiple browsers on multiple computers and all failed. 

I then called TransUnion support by phone. I answered all the security questions 100 % accurately, but their phone hung up. I called again and answered every security question with 100 % accuracy and when I reached the representative they said my account was suspended because I did not answer the phone prompt security questions correctly. They gave me a special password and said they unlocked my account, but their special password does not work and the account still remains locked/ frozen. 

I am XXXX XXXX XXXX XXXXXXXX and do not have time to call and wait for these incompetent people to do their job and fix their incompetency. 

They need to fix my account right away and since I am unable to use it, refund all or a portion of this months charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I held Synchrony credit cards for 8 years ending in 2020 when for no reason whatsoever Synchrony closed them all. I *never* mishandled credit my entire life, have an exceptionally high credit score and a 30-year solid credit history, yet Synchrony invented a lie and closed my accounts. When I filed a CFPB complaint about this in 2020, a Synchrony executive office staff member promised me that I was not blacklisted and could reapply. 

Every time I reapply Synchrony immediately refuses my application because I am blacklisted. 

I received a pre-approved offer for a Synchrony MasterCard and submitted the application. They pulled my credit bureau reports and instead of giving me the results, they directed me to a website XXXX. This website does not belong to Synchrony at all and it is instead a website for a XXXX company written only in XXXX. 

I believe Synchrony is illegally discriminating against individuals because either they are stationed overseas or for other illegal and immoral purposes. Also, Synchrony has shown themselves to be liars by blacklisting when they have expressly promised they were not,.

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 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I recently joined a Coinbase program called XXXX, for XXXX XXXX XXXX. I joined this program based on the recommendation of XXXX XXXX XXXX, an expert in this field and a corporate officer if Coinbase. I am an account holder and stockholder of Coinbase. 

I was advised to reserve some special programming ( a bot ) to move from one level to the next within the XXXX. I had done so on two previous occasions. At the time of this writing I have approximately {$63000.00} invested in the XXXX XXXX tier of this program. 

I was further advised that the higher level of investment, the longer the lead time required to secure this bot. I gave myself two weeks. 

Two unfortunate things happened : 1. The bot was expected to arrive within days, not weeks as was previously advised by XXXX XXXX. 
2. The funding I expected was no longer available. 

I immediately moved to cancel the reservation. Only then was I informed that was not possible. I was advised that the smart contract for the software was non-cancelable. After some text exchanges with the parties involved, Customer Service and XXXX XXXX herself, I was then informed if I could not produce the funding for the next tier, XXXX to XXXX, I would be considered in breach of contract. 

At that time I asked for a copy of this contract to which they referred. I have since discovered this agreement I was supposed to have violated has never been published, much les referred to. 

The threatened penalty could be {$7500.00}. I was never informed this was even possible. Coinbase allowed me to make this reservation knowing I did not have the capital at the time of making the reservation, No disclosure, no prior notice, nothing. 

Coinbase refuses any compromise, and XXXX XXXX has referred to me in extremly unflattering terms. 

Please advice possible protections and courses of action available to me. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Violations 15 USC 1681 Section 602 State I have a right to privacy.

15 USC 1681 Section 604 A section 2 It also states that a consumer reporting agency can not furnish a account without my written instructions.

Black mail is defined as demanding money or another benefit from ( someone ) in return for not revealing compromising or damaging information about them.

Identity theft is defined as the fraudulent acquisition and use of a persons private identifying information, usually for financial gain.
Fraud vitiates the most solemn contracts, documents and even judgments. ( U.S. vs XXXX, XXXX XXXX XXXX, at pg. XXXX ) There is no known law that says I have to pay anyone anything. 
I do not have a contract with these unconstitutional Credit Reporting Agency. I used the address on my consumer report and they engaged in untimely games collecting my correspondence. These are publicly traded companies engaging in deceptive practices which violates the Truth and Lending Act.

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 2022-08-16 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous times.

I demand the accounts listed below to be removed because according to 15 USC 1681 : I have a right to privacy and did not give Equifax written to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX  Acct # 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 explanation
Consumer complaint received 2022-08-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-16 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: DISCOVER BANK
State: FL

Complaint narrative:
The company has not responded to there closing my account for no good reason. They wanted access to my tax records and I told them they aren't prevy to my information, that no other company ask for records and they shouldn't either. It's not there business. So they got made and closed my account. I call that questionable business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica
State: CA

Complaint narrative:
In XXXX of this year I became the Representative Payee for my brother XXXX XXXX. For the initial deposit, I received a debit card to access XXXX 's funds. The card is drawn on Comerica Bank. I started to withdraw funds but found that they were charging me each time I withdrew. I tried setting up a transfer but the site was not allowing that. I tried several times to speak to someone but was never successful to get a live operator. I decided to just close the account and wrote a letter requesting the balance of {$53.00} be remitted via Cashiers check. That letter was sent in XXXX, to date I have not received any kind of response. I know it's a small amount but at this point it's the principal. I just want to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: PA

Complaint narrative:
I have received calls from Mercantile Adjustment Bureau on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX My student loan was found to be wrongly in default due to a mistake from XXXXXXXX XXXX XXXX This loan was removed from being defaulted as of XX/XX/XXXX. 

Therefore, Mercantile Adjustment Bureau should not have my loan in their possession, nor should they be contacting me for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation
State: NY

Complaint narrative:
I have been trying for the past 3 year to get this loan modified with XXXX XXXX who is my second mortgage with no luck as they require a substantial down payment which I do not have. This current review was submitted on XX/XX/22 and on XX/XX/22 i was informed that I need to come up with a down payment of {$21000.00} which would have to be paid prior to the auction date of XX/XX/22 which it doesn't give me enough time to try other avenues and only if I am approved. As of today they have not provided me anything in writing as a denial or approval and the auction is 8 business days away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I open this account with credit acceptance in XXXX everything was fine until i started making weekly payments putting my account ahead but the system trigger a late payment not for full amount but a XXXX dollars indicating it was mistake i submitted a dispute with credit acceptance and the bureaus now i have a mortgage application in limbo because of the so rent ate payment I had perfect credit before I started this loan and now I might not have home because of this selfish act on the companies part..i need help with this situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-16 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: IL

Complaint narrative:
XXXX XXXX called direct sales at XXXX XXXX Bank to inquire how to get credit limit increase spoke with sales who instructed me to go inside bank to fill application. Decided to check Transunion after specifically going to bank to make withdraw ; later that day discovered someone submitted an inquiry from Fifth Third Bank Location XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX Ohio XXXX telephone XXXX. Did not sign or verbally authorize bank employee to do so. 

I would like to thank you in advance for your cooperation in this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have been contacted by resurgent capital on multiple occasions to collect an Alledged debt owed. On XX/XX/XXXX, I sent an email ( to a monitored email account ) requesting they cease all communications regarding this alleged debt. I the received further communications via email attempting to collect on XX/XX/XXXX, XX/XX/XXXX, and XXXX ( all XXXX ). I then received two letters in the mail from them attempting to collect, dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I have American Express Purchase Protection benefit. I filed a claim on XX/XX/22 and uploaded documents XX/XX/22. I called on XX/XX/22 to note I didn't have the delivery date. From XX/XX/22 to XX/XX/22 I called several times to check on claim. Only to be advised it was being processed. On XX/XX/22 I called again to be advised they needed the delivery date. I immediately uploaded it. On XX/XX/22 I have received no phone calls, no emails or written mail in regards to my claim. I called and was told it denied. I was told the processing time was 21 days. I asked why it was denied and was not given a reason, only I could send is in a dispute. I asked to speak to a supervisor. I was on hold for 24 minutes to have the Customer Service say he could not hear me and disconnected my call. I called right back and got the same person. He said he tried to call me back with a phone number that is not my number nor has ever been in my profile. I was on hold for an additional 26 minutes and spoke to a supervisor only to be told my claim was denied because it was 93 calendar days, 3 days over the time period. After this ordeal and very upset at the process I chatted with American Express and asked for a email to send a written complaint. They gave me a address to mail complaints. I googled the address and it showed permanently closed. I chatted again explaining they gave me a wrong address. The only resolution I received was an apology for the problem. I feel this is totally unprofessional, frustrating and discourages customers to complete the process.

Company response to consumer: Closed with explanation