vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
Received a form letter from XXXX XXXX XXXX stating I have a serious delinquency with a loan company and legal action is being prepared. Due to the dollar amount being over {$100.00}, they have noted the account as possible fraudulent activity and malicious intent to commit fraud. I have never used this loan company ; I have not worked for the employer they state as being on the application in over 10 years. There is no reference of contact to dispute the debt, other than a phone number demanding a full payment ( payable to XXXX XXXX XXXX ). Failure to make the payment could result in a summons to appear in court. 

My only recourse thus far has been to contact the loan company to verify if I have an account ; no account on file ( ACE Cash Express ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Uplift, Inc
State: MA

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon a possible, because they are hurting my credit. 

1. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

2. XXXXXXXX XXXX UPLIFT INC. 
Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am re-financing my mortgage through XXXX XXXX. My current Mortgage is held by Mr. Cooper/Nationstar. Mr. Cooper charged me a XXXX dollar fee for an expedited payoff request that I never authorized. I called and after speaking to XXXX different people they removed the fee. Then on the next mortgage statement a XXXX dollar fee was added. I have been on the phone with the mortgage company " Mr. Cooper ''. They will not refund this XXXX dollar fee. I never requested an expedited payoff. The are advising that another mortgage company requested the payoff on my behalf. I advised I never authorized that fee. I am currently on hold with them now to get the fee removed. This is horrible customer service and the fee still has not been removed. The fee is only XXXX dollars, but I feel that I should not have to pay a fee that I did not authorize no matter how much it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: NY

Complaint narrative:
On my Credit report is showed that there was a hard inquiry made on XXXX, XXXX XXXX  by XXXX XXXX. I proceeded to call equifax to get this hard inquiry removed. They then prompted me to call XXXX  XXXX, I spoke to them on the phone and they have no recollection of any of my data on file. I called back a couple of times confirming things and I was told the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

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 2021-12-02 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: TX

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized inquirie. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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 XX/XX/XXXX, XXXX XX/XX/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 XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/20 I went to purchase a car at XXXX XXXX in XXXX XXXX, Fl. Upon running my credit report with XXXX and they came back with a XXXX XXXX of XXXX. Yet my score with Experian was XXXX on XX/XX/20 and changed to XXXX on XX/XX/20, day after purchase of car. 

The difference between their XXXX and Experian 's XXXX is over XXXX points. This caused me to pay a much higher interest rate. The car dealer did something wrong or something funny went on. 

Pleas let me know if you can help me recoup the difference I have been paying in interest.

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 2021-12-02 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: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a formal request for an investigation of this account 's date pen, date of last activity, date last reported, and the date of last payment.

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 2021-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paradigm Assets, LLC
State: NY

Complaint narrative:
Can not contact and has not issued me a validation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a platinum credit card with Capital One exactly XXXX year ago in XX/XX/XXXX. I was never late on a single payment. The only issues I ever had was accidentally submitting payments from the wrong account which resulted in a returned payment. This happened a total of 5 times. Twice in XX/XX/XXXX, then once in XXXX and twice XX/XX/XXXX. The reason this happened is because Capital One automatically defaults to your first payment account, and there is no way to change this. You have to manually switch the payment every time. When I realized the error I quickly resolved it placing payments immediately from the correct account. After it happened again during XXXX week I quickly submitted a payment on XX/XX/XXXX for the full amount on my credit card. In fact I actually overpaid by {$62.00} because Capital One did not show the correct amount on the app. Payment was taken. The next day when I log in I see a notice saying the account is restricted. Surprised I contacted Capital One and was told the account was closed by the Fraud Department. Questioning this I asked to speak to a supervisor. She was extremely rude and cutthroat. Did not try to work with me in any way and adamantly stated Capital One has the unequivocal right to close any account at any time and no reason has to even be given. She continued saying Capital One made a business decision and there was nothing I could do. Her behavior was absolutely disgusting. You call that customer service Capital One? It felt more like a bouncer delighted to keep someone out of a club. She abused her power over that phone call. I want whoever reads this to listen to that call and explain how that is an acceptable way to treat a faithful customer : This made me extremely angry and caused me to have an outburst and hang up. I couldnt understand how Capital One could treat its customer and a veteran that served this country so badly. I havent committed any fraudulent actions with this account or any account ever. This only ever happened because Capital Ones mobile app does not allow you to change the default payment or delete old payment accounts. I tried to find a way to do this repeatedly but couldnt find it. Then I received a notice this morning stating Capital One closed the account and would be sending me requests for payment. Your system is a little slow guys. You owe me {$62.00} dollars and I want it back. I would even take you to small claims courts over it. Its not about the amount its about the principal. This ordeal has caused me a great deal of mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not received anything from Experian in regards to my credit report and XXXX report. They claimed that they would send out a report but I have not received anything. It has been over two weeks. I need my consumer report and XXXXL report. 

I've been trying to reach out to Experian, they have not given me access to my CONSUMER CREDIT REPORT and XXXX REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND XXXX  REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Experian has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND XXXX  REPORT. I am entitled to a free weekly report due to the current pandemic.

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 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for a Citi XXXX XXXX application ID XXXX was not approved because they couldn't verify some information. I called Citibank to verify what ever the problem is. No one was able to tell me anything and continue to past me from departments to departments until I was disconnected. I do believe I have been discriminated against.

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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXXhirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was behind on my credit card payments and couldn't make any payments of any kind. I was told by and gotten written letters from my other credit card companies they must by law do a charge off after 6 months this is the only card that didn't, and they kept charging me interest and late fees for over a year without charging this account off but instead kept it open to pile on the fees now they sold this off to another company for the higher amount then I owe. And I can't get into my account on the website to get statements of any kind they took it off. I even have a check from the credit card company I never cashed in the amount {$53.00} that should have gone towards my balance since I never got to cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have not received anything from Equifax in regards to my credit report and FAL report. They claimed that they would send out a report but I have not received anything. It has been over XXXX weeks. I need my consumer report and FAL report. I've been trying to reach out to XXXX, they have not given me access to my CONSUMER CREDIT REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic. THIS IS MY RIGHT AS A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX L ) XXXX Balance Owed : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  L ) XXXX Owed : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX MORE ) XXXX Owed : {$1000.00}

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
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am not satisfied that you've properly pleased the policies of the Fair Credit Reporting Act in completing your study. My studies have revealed to me that according to Section 1681 ( g ) I suggest you give me an outline with the method employed to guarantee that this account is in collections and give me the name and addresses of persons contacted in each regulation perfectly located at the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I just signed up for the American Express XXXX XXXX card a few months ago. At first it was great, and I used it for everything. 

I Spent the last XXXX years fixing my credit after medical and other hardships forced me into a tough spot. But I did it! Got my score up to a XXXX! I had plans to purchase a house and finally get my life back on track. 

So, I received my card around the beginning of XXXX, I think the XXXX, and planned a trip and booked my flight. I spent over a {$1000.00} but made a {$1000.00} payment right away. I ended up purchasing other items and whatnot for the trip along with daily necessities. I had over {$1000.00} on the card again. Around XX/XX/XXXX ( XXXX weeks before my first bill was due, and days before I received it in the mail ) I made another {$950.00} payment leaving about {$100.00} left unpaid on the card. I wanted my card balance low in case I wanted to use it while on Vacation. 

I come to find out a day or XXXX later, around XXXX, that my XXXX XXXX took a XXXX hit because American Express XXXX XXXX need to report my high XXXX on XX/XX/XXXX to the credit bureau XXXX XXXX before my bill was even due, and not even a month after I opened the account. I didn't miss a payment and actually made a {$1000.00} payment before they felt the need to report my balance. 

Now my XXXX XXXX is ruined, at least for the purpose of purchasing a house at a low mortgage rate. 

I called and asked them if this was common practice for them. Reporting a customer to the bureaus for high credit limit before you give the customers a chance to even get their first bill in the mail, yet alone giving them a chance to pay before the due date, and after they already made payments in good faith, weeks before the bill was even due. They basically said yes. 
They acknowledged my current low balance and said they would report it immediately to the bureaus. But that was all they could do. 

So now I will never use this card again. But that doesn't change the fact that now I can't get a mortgage at anywhere near the rates I previously could. This is a horrible business practice and ruins people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested from over a year to Experian to send me results on the disputes of XXXX XXXX and others by mail and they never had send, a single document explaining the investigation process or the details of the results, every time I call Experian the customer service representatives change the subject that I cant see those emails or any record I requested several times all this documents by mail and Experian doesnt want to listen to my request I sent more than 20 disputes and no answer any of those disputes by mail of the process or the investigation Experian is the only reporting agency violating my consumer rights This a very serious situation Experian should take this more serious Violating my consumer rights is illegal is a joke They are getting me really tired with all this abuse

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