vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: IL

Complaint narrative:
XXXX XXXX apartments expects rent payments dating back to XXXX of the year 2021 in spite of the lease I signed expiring in XXXX of the year 2021. I have signed legal documents stating that I would not be renewing my lease with XXXX XXXX, and have not lived in the apartment for over eight months. I have contacted them on multiple occasions explaining this to no avail. My keys, parking passes, parking stickers and recreation center passes have been returned to XXXX XXXX apartments since the date of XX/XX/XXXX of the year 2021. XXXX XXXX has not contacted me in over three months, leading me to believe the financial charges were absolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
All 3 credit reporting agencies ( XXXX, XXXX, and XXXX ) are reporting a medical alleged debt less than {$500.00} ( XXXX ) on my consumer report. I sent letters telling them to remove those collection on my consumer report but they did not do it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
The original complaint that I filed has been closed, so I am opening a new complaint. 

LoanCare charged me for a payoff statement and has documented with the CFPB that they charged me for XXXX. They have not provided the payoff statement. I have two past payoff statements which are incorrect and LoanCare 's representatives have confirmed that past payoff statements were incorrect. LoanCare has not provided the most recent payoff statement that I was charged for. 

It is over XXXX weeks since my loan was paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX sent me defective merchandise and authorized the return, but refuses to give me the return info until I cancel the dispute with the credit card company. Once they get the return and accept it, I will gladly cancel the dispute. 

I think its against federal law to blackmail to cancel a dispute to honor a return that they already authorizzed.

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 2022-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I have a XXXX with Ulta which goes through Commenity Bank. I knew I was going out of town and didn't want to forget so I logged into my account for the first time after making my first purchase on the card to pay my balance in full. I paid the balance and it was showing as paid in full on the account with a {$0.00} balance. After 3 weeks passes, I receive a notice in the mail saying my payment was refunded to my bank and now I had a penalty and a late fee applied to my balance. I called and called several different days during different times. I tried to log in to the online account all during the time from mid XXXX to early XXXX. I was unable to ever speak with a representative because the phone would just ring forever, disconnect, a message would come to tell me to hang up and try at a different time. I sent a secure message online and now the website says they are unable to reply in a timely manner and to call them. I have reached out to ULTA directly and they are aware of the issue begging people to keep trying to call the bank. There are hundreds of reviews as well as XXXX  complaints online saying the same issues that I have been having. Please shut this business down and never allow them to do banking in the future. Then later I was actually able to get in the online account randomly. I made my payment for the original amount I payed. To my surprise, the payment posted and went through but it took 4 days to post on my bank. I am not going to pay for that bank 's fraudulent business practices just so they can attempt to squeeze some fees out of people who got the card to get discounts on purchases to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 
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. XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX 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 2022-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
COAF hard pulled my credit 12 times since XX/XX/21 causing my score to go down dramatically. Four times in one day this seems excessive. I was looking for a car to buy and did not authorize them to keep pulling my credit everytime I just looked at a car on the website. I only authorized them to pull my credit once on XX/XX/21. They pulled it on theses following dates XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX the only time I authorized for this company to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
We obtained a mortgage from XXXX and during the pandemic a deferral process was offered. We were told that the amounts deferred would be put on the end of our mortgage loan. Towards the end of the months able to be deferred ( around XX/XX/2022 ) XXXX transferred all their mortgages to a company called Mr. Cooper. Mr Cooper failed to honor the deferment process making the home owners go through another approval process in which the clients were not allowed to owe more then 18 months. Each month we spoke to a different agent and we were told different stories. Some said only one payment was required and another one would say 2 payments were required and most recently on XX/XX/2022 we were told one payment was required to enter into the application for approval docket. Meanwhile they had been reporting to the credit bureau that we were not making payments that were SUPPOSED TO BE DEFERRED! So on XX/XX/2022 I called to make that monthly mortgage payment that I had been making since XX/XX/2022 and was told that I was unable to do so unless I paid TWO mortgage payments! So, we are at risk of ruining our credit so unable to refinance, at risk of losing our house, and been lied to for months as they called EVERYDAY to the point of harassment and when we would answer the agent would say they need the information on the account because they were unsure of why we were called! Every call was recorded and the agent today stated she was not sure why we were told only one payment was needed and without being given a due date before it would default to two payments and all she could do was have the manager review the recorded line and speak to the employee about it but that would not help us! This is unacceptable! We had an agreement with XXXX which we would not have made had we known we would be put between a rock and hard place! Something needs to be done about this as the representative I spoke with today informed me others had gone through this and had to seek government assistance to solve the issue which should have never been the case to begin with!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: MI

Complaint narrative:
I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy. 15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report. 15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit. 15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b. 15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report. 15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions. 15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to 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 explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
In XXXX of 2022 I purchased an annual subscription to XXXX via XXXX XXXX. On XX/XX/XXXX my account was compromised due to fraud and I was locked out of the service. Neither XXXX nor XXXX was able to resolve access so XXXX told me to cancel my subscription which I did. I requested a refund for the pro-rata of the remaining ~9 months which I had paid for, approximately {$70.00}. XXXX advised me that my annual subscription purchase was outside their 60-day refund window and refused to refund anything. 

The issue is that XXXX encouraged me to sign-up for an annual subscription vs. monthly by providing a better rate. I had a good-faith expectation that XXXX, through it's subscription service, would be able to provide me access through the term of my subscription. XXXX failed to provide that service and hides behind the 60-day refund policy. That's unacceptable to me. 

I've filled out all of the surveys and escalated to Apple Card, the credit card arm of XXXX. I've escalated to their senior advisors and they even agree that I'm right, but are unable to do anything, so I ask that the CFPB look into this practice for the countless other people that may have had the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Receivables Group, Inc.
State: GA

Complaint narrative:
I have no knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
The Capital One/Neiman Marcus Company placed me as an authorized user on someone's store credit card on XX/XX/XXXX. I did not give Capital One/Neiman Marcus my signature or verbal authorization to add me on a credit card I did not apply for. This company has put late payments and delinquencies on my Credit Reports, and I do not know how they even got my personal information to report to the Credit Bureaus. 

On XX/XX/XXXX, I sent this company a validation letter by registered mail. I gave Capital One/Neiman Marcus 30 days to respond to my requests. I checked my tracking number and confirmed that they did receive my letter. As of XX/XX/XXXX, I still have not heard from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
Unauthorized Transactions On XXXX On My Account. I dont even Use XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was a victim of identity theft and multiple banks were tried to open a line of credit under my name with my information. XXXX XXXX XXXX XXXX did not accept the application because they couldnt verify my identity. XXXX XXXX XXXXXXXX also denied the application and called me to verify if it was identity theft or not. XXXX XXXX XXXX  however, let the account be fraudulently opened under my information, and let a large balance be accrued. I had to freeze all 3 of my credit bureaus and report to the FTC about my identity theft. I opened a claim with cXXXX XXXX XXXX, and the person I spoke with on the phone said to file the claim online and they would fix the account and balance that I did not personally open. After I followed all the steps to report this account as fraud and identity theft, XXXX XXXX XXXX  denied my claim, and is saying that I opened it and they are requiring me to pay a balance for charges I did not make. This needs to be overturned and resolved. I will not be a victim that pays for something I didnt charge, on an account that I did not open. This whole event of having my identity stolen has been grueling enough to deal with. The bank needs to update its security measures to ensure that people who are opening accounts have their identities verified, instead of just letting things push through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To whom this may concern, Experian credit reporting company had recently received a dispute letter along with multiple documents on XX/XX/XXXX, and a dispute was initiated with a report number : XXXX ; stating evidence that the public record case XXXX was either have been reported inaccurately by the furnisher or is not on record with furnisher ( XXXX ). Experian claims that XXXX reported back saying it verified the public record. This is a complete lie and false claim according to the evidence, and due to the fact that the furnisher did not have any record of this public record prior to the dispute being filed. How is it your company is verifying information with a company that does not have the record on file. Your company is violating the federal law ( Fair Credit Reporting Act ) by issuing falsified verifications for my dispute. I have filed multiple complaints regarding this, and I am tired of your company falsifying fake verification 's. I have attached evidence of the dispute and of the furnisher 's statements. 

XXXX XXXX XXXX : XX/XX/XXXX address : XXXX XXXX XXXX, XXXX, MI 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 2022-07-15 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: MN

Complaint narrative:
Upon reviewing my credit file, incorrect information was still found in my reports. The XXXX, Experian and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVIENT XXXX Balance Owed : {$6100.00} NAVIENT XXXX Balance Owed : {$2700.00} NAVIENT XXXX Balance Owed : {$5000.00} NATLCRSYS XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$3100.00}

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