vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 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: FL

Complaint narrative:
XXXX has removed two falsely reported late payments that are still showing up on my Experian and XXXX reports, despite many attempts to correct the issue. Please see attached documentation.

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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
Told us this was about fixing debt and said they would do a soft reporting that is actually a hard inquiry and it was mis leading stating that it would be to look at credit now we have a million people calling us because they have sold our information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I applied for an extension of credit on XX/XX/2022. I was denied and received my adverse action letter on XX/XX/2022 stating that I would not be granted any other terms or credit. The action was based in whole upon negative and inaccurate information in a consumer report obtained from XXXX in which I have disputed. That information can not be used to determine an extension of credit as it is unlawful to discriminate based on any aspect of a credit transaction that was done in a good faith effort to apply and be extended credit. I contacted customer service on XX/XX/2022 requesting the reasons why I was denied besides info in a consumer report and was told I can not speak to anyone else and the decision was final. I filed a complaint with the FTC and the report number is XXXX. I now have an inquiry on my report as of XX/XX/2022 that is not associated with a firm offer of credit from Mercedes Benz financial and never gave anyone permission to report this inquiry as I have received no credit or benefits as of XX/XX/2022. Any and all proceeds, debentures, and dividends generated form this transaction should be sent to the address listed on the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I used Care Credit to pay for my XXXX  XXXX in XX/XX/2022. It was a 2 year payment plan with no interest and I have been paying the monthly payments with autopay. I had a balance of {$1100.00} in XX/XX/2022. On XX/XX/XXXX, they charged me {$1200.00} in interest alone as soon as the 2 year mark was reached. The interest rate is more than 100 %. When I called, they refused to waive this interest even after I offered to pay my balance in full. For a credit card company that is for XXXX, this is outrageous, and they did not even alert me about this prior. How do you charge someone more interest than their account balance? This is very unethical and will bring financial hardship on my family. I would be grateful if you can help me with this. 

Thank 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 monetary relief
Consumer complaint received 2022-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX has removed two falsely reported late payments that are still showing up on my XXXX and XXXX reports, despite many attempts to correct the issue. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CORELOGIC INC
State: IL

Complaint narrative:
Misleading and now my information is being sold to other companies for a home refinance

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I went into my checking account and it didnt look good at all as I looked at it. So I called the bank and asked for the Fraud Dept. At that time the lady went over it with me and said that there was a check put in there, I said what check cause I dont use checks. Only thing that goes in my account is deposit or I put cash in there. I think this was the second time that fraud had to deal with my account. This time it was bad. the lady was rude and told me not to call again. Then I hung up and called back and talked to a supervisor. I knew it was going they were going to give me a hard time. First they blocked my account and closed. Now my retirement check from Dept of Treasury was coming on XX/XX/XXXX and that my account being closed they were suppose to return the check to the Dept of Treasury, no the didnt they keep it. I called all week long, the Citibank and the US Treasury Dept. Citibank said they returned it and Dept of Treasury said they havent received it. On XX/XX/XXXX I called Citibank and asked was my check there and FINALLY they told me the truth it had been sitting there all week the lady said. Citibank has had my check since then. my check was {$1800.00} and I called yesterday it is now {$1200.00} because of bills?? What bills $ $ $ $ I have small bills like XXXX and things like that I dont have big bills running through the bank, I pay by phone. So on the XXXX I asked for copies of everything that they call themself paying because Citibank is a bank full of lies and jokes and they have cost me for my bills to be late and unpayed. So now 60 days is up on the XX/XX/XXXX and they are working on geting it close and i have to wait another 10 days to get my check.. WRONG ANSWER. By the Government rules you have 15 days to return a government check and Citibank has not done that. and still have had my check for 55 days and I have suffer for 55 days without meds and food and gas for my car that I might lose because of them. I am not finish by far with this my next stop is the Attorney General office.

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 2022-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
FORECLOSURE AND ACCELARATION HAVE BEEN INITIATED -- -I HAVE REACHED OUT TO FLAGSTAR PRESIDENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX IN AN EFFORT TO GET INTERNAL ASSISTANCE - WRITING TO HIM AT CORPORATE IS USELESS. I APPLIED FOR ASSISTANCE FROM TEXAS HOMEOWNERS RELIEF - XX/XX/2022 FLAGSTAR XXXX STATEMENT DATE SHOWS I OWE {$30000.00} - ON XX/XX/2022 - A FLAGSTAR XXXX STATEMENT DATE SHOWS I OWE XXXX - ( 1 MONTH - INCREASED BY {$9000.00} PLUS ) HOMEOWENERS ASSISTANCE PAID FLAGSTAR {$32000.00} DOLLARS IN XX/XX/2022 -- I HAVE BEEN PAYING MY MORTGAGE PYMT EVERY MONTH SINCE XX/XX/2022 -- EVEN BORROWED XXXX XXXX  TO PAY THE {$2000.00} PLUS IN ESCROW SHORTAGE PER FLAGSTAR LETTER -- XX/XX/2022 STATEMENT SHOWS I OWE {$8400.00} THE PAYMENTS I MADE SINCE XX/XX/2022 WERE NOT APPLIED BECAUSE THEY ARE APPLIED TO THE DELINQUENCY AS PER FLAGSTAR. THIS MORTGAGE CO IN CFPB # XXXX HAS A DECEPTIVE HISTORY OF WRONGDOING WITH CONSUMERS ACROSS AMERICA -- I AM HAVING TO BORROW XXXX XXXX TO PAY FOR A FORENSIC AUDIT OF THE MORTGAGE DOCS WITH FLAGSTAR- I HAVE FILED 2 PREVIOUS COMPLAINTS WITH CFPB AND THOUGH FLAGSTAR RESPONDS WITH THEIR LIES- WHY DOES CFPB BELIEVE THEM? I HAVE 9.4 HOURS OF RECORDING WITH FLAGSTAR REPS -- LIES LIES LIES-

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 2022-11-18 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: FL

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to the XXXX and it was a reference to inquiries that have been reported on my credit report in accurately as well as accounts that are negatively impacting my credit profile. There are over XXXX to XXXX inquiries that have been reported to my credit profile that needs to be removed. I have submitted multiple complaints to all credit bureaus, and the situation seems to not be resolved. This is unfairly affecting me and my financials credit score and needs to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: FL

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to the XXXX and it was a reference to inquiries that have been reported on my credit report in accurately as well as accounts that are negatively impacting my credit profile. There are over XXXX to XXXX inquiries that have been reported to my credit profile that needs to be removed. I have submitted multiple complaints to all credit bureaus, and the situation seems to not be resolved. This is unfairly affecting me and my financials credit score and needs to be resolved as soon as possible.

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 2022-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
I believe MoneyGram is starting to profile my transactions or profile me personally. 

I have been sending money to the country of XXXX to my sister. I have been sending money for years using their service. I send her money last week, but suddenly they cancel the order. I resend it the same way I have been sending it for years, and they cancel it again. I called in to see what is the problem and they refused to tell me what she has done wrong completely. They kept reading the same script : the transaction is deemed unusual. I called MoneyGram again and request an assistance from a manager. He said your sister was banned permanently. I asked why? and he keep reading the same script. I asked how can fix the issue she is my sister and I have been sending money for years using your service. He said your sister is banned permanently. you may send to another person. I got her son info and added him as a receiver. I sent him money through MoneyGram and they take the money and cancel the order again with the same lame script. unusual transaction. I honestly believe this is a discrimination case or fraud financial transaction. MoneyGram is holding consumers money in every canceled transaction and they are profiting from it. 

Another explanation would be fraudulent business practice. If XXXX customers canceled per day and each one of them money is held for 10 days with an average of {$500.00} per transaction, that is a total of {$2.00} XXXX dollars held and MoneyGram is profiting from the interest they are collecting by all of these canceled transactions with very lame excuses.There is no transparency here, and MoneyGram is refusing to fix the problem. The government needs to look into this fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: CA

Complaint narrative:
Hi, so In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX # : XXXX, XXXX XXXX : # : XXXX, XXXX XXXX XXXX XXXX : # : XXXX, XXXX XXXX XXXX : # : XXXX, have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
GLB Act, FCRA, and FDCPA violations committed against me. Please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems
State: SC

Complaint narrative:
I reached out to Financial Data Services requesting why they are reporting on my credit report, details of debt, and deletion several times. This company surprisingly showed up on my credit report as a Collections Account yet NEVER mailed or emailed me a bill. This is a direct violation of the NO SURPRISE Act and I am demanding an IMMEDIATE deletion. Not only is this a violation of the NO SURPRISE Act but also a violation of the Privacy Act 15 U.S. Code 1681 602 ( a ) ( 4 ), I did NOT consent to Financial Data Services to report to my account 15 U.S. Code 1681s 604 ( a ) ( 2 ), or access details to any medical records as a violation of HIPPA laws. Account Numbers are as followed : XXXX {$610.00} XXXX {$360.00} XXXX {$370.00} XXXX {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX {$2400.00} has violated my rights USC 15USC 1681 sec 602 states i have the rights to privacy USC 1681 sec 604 states 2 states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: WA

Complaint narrative:
I would like a detailed receipt on the bill that that claims I owe ( x ) amount. I do not believe the bill I have received is the correct amount due. Due to the fact I did not receive a bill till months later,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: CA

Complaint narrative:
Hi, so In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX # : XXXX, XXXX XXXX : # : XXXX, XXXX XXXX XXXX XXXX : # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-18 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: CA

Complaint narrative:
Hi, so In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX # : XXXX, XXXX XXXX  : # : XXXX, XXXX XXXX XXXX XXXX : # : XXXX, XXXX XXXX XXXX : # : XXXX, have 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Mercedes Benz Financial Services
State: CT

Complaint narrative:
The loan was pain in full XX/XX/2022. I still have not received my overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation