vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Island Finance Puerto Rico
State: PR

Complaint narrative:
I have applied recently like two or three times and continuously Island Finamce XXXX XXXX denied me personal loans from {$11000.00} and {$9200.00} to buy an essential product an used car a ls a replacement for a lost property in a car accident. The first time they said the required credit score is XXXX and my credit score went from XXXX then XXXX, the last time I applied in XXXX XXXX that they have had and the application returned me the application number : XXXX, i contacted them by phone and they said they reviewed my application and denied again the loan. Yesterday a coworker named XXXX XXXX commented me that in Island Finance XXXX XXXX the associate named XXXX approved and gave her a loan of {$4400.00}. She has the same salary and the company have the same time working here she have 3 kids and I dont have dependants. She said call XXXX. When I called to verify the information to XXXX to Island Finance XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, the associate named XXXX XXXX treated me in a discriminated way, she said that the application XXXX XXXX was not considered and the last call they reviewed another application number XXXX and was denied because they received my score with XXXX and my score in XXXX was XXXX, and before that XXXX and XXXX. But not XXXX. I edlxplained to her that after declared disaster XXXX hurticane XXXX, XXXX, XXXX XXXX i did not received any aid neither any loan to fairly recovered from declared disasters. I DID KNOW THAT CREDIT DISCRIMINATION IS ILLEGAL. The associate named XXXX XXXX lied to me without any motives in the phone call, they are false and misleading advertisement and clearly not equal treatment. I need thwt they removed the credit inquiry because they have misleading information and there associates are treated me in less favourable conditions that other applicants, credit discriminqtion is illegal, discrimination by gender, by age and for social status is illegal too. She assumes my backgeound and another informatiom and discriminated against me. She said that I have other accounts recently in XXXX, and of course I did not fairly recovered XXXX XXXX disaster neither declared disaster XXXX received any XXXX XXXX I have a economic injury per declared disaster and the Island Finance and their associates discriminated against me several times.They should removed the island finance credit inquiry from my credit reports in XXXX, in XXXX, and XXXX. And they should stop misleading advertosements and stop their associates discriminations agains applicants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
i XXXX XXXX, natural person am submitting a dispute on my own with no help of anyone, my dispute letter is attached plus proof of violations please see attachments. 

XXXX you are also in violation of 15U.S CODE 1681N CIVIL LIABILITY FOR NON-COMPLIANCE YOU ARE ALSO IN VIOLATION OF 2. 15 usc 1681 e ( B ) 3. 15 U.S. Code 1693a ) 4. : 15 usc 1681 ( a ) ( 4 ) 5. 15 usc 1681b ( a ) ( 2 ) 6.15 usc 1681a- ( e ) YOU STATED IN YOUR LAST RESPONSE : " VERIFIED AS REPORTED '' IT IS CLEAR THAT YOUR COMPANY DECEITFUL AND YOU HAVE NO LEG TO STAND ON, LITIGATION HAS BEGUN AGAINST YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: NY

Complaint narrative:
i XXXX XXXX, natural person am submitting a dispute on my own with no help of anyone, my dispute letter is attached plus proof of violations please see attachments. 

XXXX you are also in violation of 15U.S CODE 1681N CIVIL LIABILITY FOR NON-COMPLIANCE YOU ARE ALSO IN VIOLATION OF 2. 15 usc 1681 e ( B ) 3. 15 U.S. Code 1693a ) 4. : 15 usc 1681 ( a ) ( 4 ) 5. 15 usc 1681b ( a ) ( 2 ) 6.15 usc 1681a- ( e ) YOU STATED IN YOUR LAST RESPONSE : " VERIFIED AS REPORTED '' IT IS CLEAR THAT YOUR COMPANY DECEITFUL AND YOU HAVE NO LEG TO STAND ON, LITIGATION HAS BEGUN 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 explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
We have been trying to obtain a short sale approval on the property. Buyer and seller have been under contract since XXXX of XXXX. Every document required by the XXXX XXXX XXXX has ben provided on numerous occasions. The Short Sale was first initiated in XXXX of XXXX and everything needed was complied with. Again in XX/XX/XXXX the short sale was again reinitiated. It took the servicer over 60 days once the file was deemed complete and the XXXX  Insurer required another valuation. When the second valuation was completed the buyer agreed to new higher sales price and all documents were submitted multiple times with last time on XX/XX/XXXX. On XX/XX/XXXX the XXXX insurer countered again as they needed some fees removed that had been on the HUD the entire time since XXXX of XXXX. Once again the buyer agreed to the fees being removed and accepted their counter and all documentation was sent again for the 4th time on XX/XX/XXXX. We were told that a decision would be made in 30 days. It is now day 42 from this 4th submission and nothing. Only response provided by SPS escalation team is they are waiting on the MI insurer to issue the approval letter. The homeowner, a veteran who served our country for many years has been super inconvenience and is extremely frustrated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I applied for a credit card, which pulled my credit report. Then Amerisave cold called me because my credit was pulled. I asked them what their rates were and any points for pay down of rate. The guy said he needs to do a formal loan estimate for it to be legit, but he would not pull my credit since he could use the one the credit card company pulled. I informed him I only wanted to rate and costs, no credit should be pulled since I did not want to proceed if the rates were bad or costs were high. 

The next day I found out my credit had been hard pulled. This guy totally lied during the entire call. I've worked with dozens of loan brokers and this guy kept lying and using my information and did not have authorization to use my info to a loan app.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2022-11-03 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: WA

Complaint narrative:
The following inquiries were not authorized by me : XXXX and XXXX XXXX XXXX XXXX shows that they got a copy if my Equifax report on XX/XX/31 that I had no idea about until I received an alert from XXXX saying that it was blocked. I called and spoke with an Equifax representative this morning and was advised that my fraud alert didn't show any of my phone numbers that should have been called when extending credit. I asked the representative how is that possible when it's clearly showing on XXXX and XXXX? The answer was that XXXX didn't send the information XXXX them. 
I have called Equifax in the past about this and was told that it was taken care of and obviously not. 

Same applies to the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays miles and more credit card is charging {$10.00} cash advance fee for a {$30.00} XXXX transaction ripping people off It is supposed to be a 5 % of the transaction instead they have been charging a {$10.00} minimum contrary to the agreement Not sure how many people actually notice this but this seems completely illegal

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 2022-11-03 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: FL

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

Experian and XXXX are govern by 15 USC 1681. And they have violated my rights numerous of times. 
I demand the accounts listed below be deleted. According to 15 USC 1681 : I have the right to privacy and I did not give Experian and XXXX written permission to furnish these accounts and inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2022-11-03 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: NJ

Complaint narrative:
I, XXXX XXXX, Under the penalty of perjury affirm that all forthcoming statements are true. Credit reporting agency, Experian is violating my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by failing to report a clear and accurate credit report and file on my behalf. My Experian credit file is consumed with inaccurate account payment histories, inaccurate account payment statuses, inaccurate personal information about me such as erroneous names, addresses, phone numbers, and employers. This company is also allowing my rights to be violated pursuant to 15 USC 1692 named the fair debt collection practices act by allowing unauthorized 3rd parties to report inaccurate account information without efficient and fair investigations of the furnished information and by also allowing these predatory unauthorized 3rd parties to access my credit report and file without my consent. This violates my rights to privacy. Experian is a predatory company that is using my personal consumer report and file for their monetary gain since they are paid to report this fraudulent information. I have filed an FTC fraud report against Experian for their predatory practices that need to be stopped immediately!

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 2022-11-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 2022-11-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: NC

Complaint narrative:
Reliacard, US Bank Corp, {$13000.00} balance. Account was closed effective XX/XX/2022. Reason given in letter XX/XX/2022 : I did not respond to letter ( I did NOT receive ) saying I had to use their web site photo verification ID process ( I did later, but was evidently late ). Numerous calls have been made to bank customer service and Oregon Unemployment, issuer. Customer service says Oregon must request the funds but gives no more specifics : how, to whom, what format. Their representative states, THERE IS NO TIME TABLE FOR RETURN OF FUNDS. And, Oregon says they can not request my funds ( accordingly, they have no mechanism to do so ). I.e, each passes the $ buck $ to the other, rinse-repeat. I have not made a withdrawal since XX/XX/2022, primarily because ReliaCard has a complicated scheme to limit amounts, number of withdrawals per time period, time of day withdrawal postings, specific geographic locations of ATMs, branches available for my account. I would prefer termination all dealing with Reliacard, return of funds either as a check, or better yet, wire to XXXX or XXXX account.

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 2022-11-03 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-11-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-11-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: UT

Complaint narrative:
This astoundingly inept and unethical company which I never consented to working with has been the bane of my existence since they bought my loans. My credit is a dumpster fire because they reported me behind twice, 3 times each ( 1 mark for each loan ) for a total of 6 negative marks on my credit for delinquency. I am not disputing this as illegal, but its garbage customer service and a shining example of why student loans in the XXXX are such a problem. 

But thats not why Im complaining today. After the second go round with them destroying my credit, I signed up for auto pay. Then today I get an email saying I am 11 days behind. Nevermind the fact that I got misleading info on the recording when I called ( XXXX violation which could lead a customer to believe they had an extra day to pay before negative credit reporting ) which said I was 10 days behind, the rude customer service agent said I never applied for auto pay. Then when I asked for a payoff quote he just told me the amount, I had to ask for him to send it in writing. I am 100 % sure I signed up for auto pay to avoid this credit reporting fiasco, if their system didnt record it then yet again another XXXX. Of course I didnt pay, I assumed the auto debit was set. 

I am so angry and frustrated. This company and the XXXX poor customer service I receive every single time I call is absurd. The CFPB needs to get into their shop and start writing consent orders yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I had a credit card opened fraudulently under my name. It was opened back on XX/XX/2020. The credit card that was opened is called XXXX, by Comenity. 
I never knew it was opened until I received a billing statement from them. I had my wife call them to see where, when and by whom this credit card was opened. They gave her the information, after they wanted to talk to me to give her permission to talk to them on my behalf. She asked where it was opened at, which store, and they told her it was opened online, and she continued to ask what kind of store this is, and what was purchased. As the statement doesn't show what was purchased. They would not tell her what was purchased as they told her, that we should know. They continued back and forth with questions etc. I then told my wife to tell them it wasn't me and I'm not paying for something that was fraudulently done on my name. They continued to be a bit rude with my wife as she had them on speaker and I was listening to the entire conversation. The customer service representative continues to tell my wife that I needed to pay the debt that is due. I told her to tell them again that I was not going to pay for something that was done fraudulent under my name. The conversation got nowhere as the XXXX continue to be rude and insisting that I opened it and therefore need to pay for it. I refuse ; therefore nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act these accounts have violated my consumer rights under 15 usc 1681. 
The listed accounts below have violated my consumer rights under 15 USC 1681. 

XXXX XXXX  Account # : XXXX Amount ( s ) {$16000.00} {$25000.00} XXXX XXXX XXXX Acct # : XXXX & XXXX Amount ( s ) {$22000.00} {$22000.00} XXXX XXXX  : Amount ( s ) {$100.00} {$240.00} {$300.00} {$240.00} 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 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 2022-11-03 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act these accounts have violated my consumer rights under 15 usc 1681. 
The listed accounts below have violated my consumer rights under 15 USC 1681. 

XXXX XXXX Account # : XXXX Amount ( s ) {$16000.00} {$25000.00} XXXX XXXX XXXX Acct # : XXXX & XXXX Amount ( s ) {$22000.00} {$22000.00} XXXX XXXX : Amount ( s ) {$100.00} {$240.00} {$300.00} {$240.00} 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 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