vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: PA

Complaint narrative:
Seedfi is the most ominous company Ive ever worked with and I wish I had read the reviews before committing to a loan with them. I signed up for something like a credit builder loan. Every single due date, which is twice a month, theyve charged me more than once. I had to repeatedly reach out to them to get the to push payments forward, refund multiple payments, and finally cancel my autopay. This last time, they took two payments out for my due date and told me theyd move the second payment forward so I wouldnt owe money at the beginning of XXXX. StillC they withdrew a payment from my account. It took them an unreal amount of time tor refund this second payment to me and I had them cancel my auto payment because I couldnt trust them to accurately manage my account without my supervision. Finally, I received an email at more than half of my last payment was going towards fees with no description of what those fees were, and the remainder was going towards interest. I emailed them on XX/XX/XXXX asking what fees I was paying and no one has ever gotten back to me despite me following up more than 3 times. At this point, I feel like they are practicing unfair and deceptive business practices and Id like nothing more than to pay exactly what Ive borrowed back immediately and nothing less. They are still holding XXXX  of dollars of money they essentially owe to me as part of this credit building loan and I have little faith Ill ever actually see that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: SC

Complaint narrative:
Our home builder partnered with Supreme Lending, requiring us to use them for our preapproval. Once we were preapproved, Supreme Lending offered us a rate lock incentive for a 9-month rate lock with up to three 30-day extensions. We accepted the offer as outlined and had our interest rate locked in with Supreme Lending in XX/XX/2022 expiring 9 months later on XX/XX/2022. Once it looked like we may not close by the initial rate lock date of XX/XX/2022, I began asking Supreme Lending about the 30-day rate lock extensions that were advertised. I was told the extensions were no longer available. We now know we will not close before the initial 9-month date of XX/XX/2022 and Supreme Lending is refusing to honor their rate lock extensions as advertised. I reached out to Supreme Lendings complaint department and was redirected to the Operations Manager in their branch who again told me they are no longer honoring the three 30-day rate lock extensions that they advertised in our model home as recent as XX/XX/2022. We are working to keep the interest rate that we were told was locked in for us for up to one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
i got fake bill from XXXX XXXX for {$620.00} .i called them at XXXX XXXX XXXX they said w ould refund. but we must run a $ XXXX which came out $ XXXX XXXX. while correcting this the took control of my pc tookmonies from saving to checking andwired {$9300.00} they told when the bank PNC called to lie .thats when i knew it was a scam.i called pnc disputes rig ht away now pnc says sorry you get nothing back cause we didnt. get the money back. i thought our funds were insured pnc LIED and said i cancelled the dispute. i told them to prove it -- no response!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: Foursight Holding LLC
State: AR

Complaint narrative:
please remove all Fraudulent accounte as i have no knowledge of any of these accounts due to the XXXX data breachidentity theft. All is being investigated by the FTC. According to the FCRA 605B This information must be blocked IMMEDIATELY until the investigation is OVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DEBT CREDIT SERVICES
State: OH

Complaint narrative:
XXXX XXXX took a car insurance under my name and also take {$570.00} in my name

Company response to consumer: Untimely response
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
It was reported in the credit report on XX/XX/XXXX that I still have a balance with XXXX. This was the report : Date Reported : XX/XX/XXXX Collection Agency CCS COLLECTIONS Balance Date XX/XX/XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$59.00} Amount {$59.00} Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID I already paid in the amount of {$63.00} last XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: FL

Complaint narrative:
Disocover credit card keeps giving me a hard time to verify my account with all paper work printed out and notarized by my bank it self, they claim this is for identity purposes but yet my irs forms already came back to them and this same paper work im uploading to you guys has been sent to them as well They been playing games with me the hole month of XXXX saying paper work doesnt come in or not uploaded but yet how easy it is to show you guys proof of everything i sent in here i have confirmation of faxes been faxed in and is always a story the fax didnt come in or something is incomplete this is what they asked for and this is what ive been sending for the past XXXX weeks notarized and printed out at my bank institution they went as far as implying i can be an XXXX XXXX  or a XXXX on the phone and that i could be making this up please i need you guys to step in for me and stop this they will hurt my credit score if they shut down my account and im tired of asking for a super visor to call me back or even get them on the phone they claim you have to wait three days to speak to a super visor

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

Complaint narrative:
please remove all Fraudulent accounte as i have no knowledge of any of these accounts due to the XXXX data breachidentity theft. All is being investigated by the FTC. According to the FCRA 605B This information must be blocked IMMEDIATELY until the investigation is OVER.

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 2022-11-11 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: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-11 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: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-11 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: NY

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 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 2022-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
As found through discovery, Merchant & Professional Collection Bureau , Inc. Openly tried to impersonate an Attorney on XXXX report file number XXXX issued XX/XX/2022. Which is also a Violation of the FDCPA. DECEPTIVE TRADE PRACTIVES ACT. DEFENDANT HAS NO MORE THAN 5 DAYS TO DELETE ALL ERRONEOUS and FRAUDULENT data submitted to my PRIVATE and security frozen reports according to 15 U.S.C. 1681 ( B ) ( I ). Not 5 - 7 days Mandatory 5 days according to Federal law! 15 U.S.C. 1681i subparagraph ( A ). I owe you NO XXXX  FOR THE DEFAMATION AND DAMAGE & EQUITY YOU OWE ME EQUITY FOR STANDING ILLEGALLY WITHOUT CONTRACT WITHOUT CONSUMER CONSENT ON MY CONSUMER REPORTS!

Company response to consumer: Untimely response
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Financial Services of Michigan LLC
State: MI

Complaint narrative:
I reached out to the XXXX XXXX XXXX and was told that amount was less than how much I am getting charge on the paper. 

During the pandemic i thought XXXX XXXX was provided.

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 2022-11-11 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: NY

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 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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Mortgage arrears appear in the credit report when the account is current with XXXX XXXX XXXX XXXX XXXX. Letter is sent indicating account up to date. This has affected my credit.

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

Complaint narrative:
In accordance with the fair credit reporting act.this list of accounts below and more has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account numbers with no names. # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX a ssi number that ends in XXXX isn't me, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX, # XXXX, # XXXX XXXX XXXX XXXX  XXXX, experian, XXXX has violated my rights ! ! 15 U.S.C 1681 section 2A states I have the right to privacy.15 U.S.c 1681 section 604 A 2 : it also states a consumer reporting agency can not furnished a account without my written instructions. 15 U.S.C 1681c ( .a ) ( 5 ) section states : no consumer reporting agency may make any consumer report contaany of the following items of information any other adverse item of information other than records of convictions of crime which antidotes the report by more than 7 years15 U.sC 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 this goes for all 3 agencies this information needs to be blocked

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 2022-11-11 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 has voilated my right 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 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 2022-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
This is not a refusal to pay an alleged debt! Collection Bureau of Hudson Valley claims that I am obligated to pay them an alleged debt. Collection Bureau of Hudson Valley shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If Collection Bureau of Hudson Valley can not provide the original instrument or proof that it still exists, then Collection Bureau of Hudson Valley shall send me an original statement affirming that Collection Bureau of Hudson Valley did not sell the original instrument because if Collection Bureau of Hudson Valley didn't sell the original signed instrument of indebtedness ; then Collection Bureau of Hudson Valley should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when Collection Bureau of Hudson Valley produces original instrument or proof that it has not been sold that proves that I am obligated to pay Collection Bureau of Hudson Valley. Also please produce the trilateral contract between me ( consumer ), optimum, and Collection Bureau of the Hudson Valley that shows I agreed to do business with Collection Bureau of the Hudson Valley along with Optimum or on behalf of optimum. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I made a payment of XXXX. I have the statement showing I made the payment from TD bank on my XXXX account but are refusing to apply it. I have called and emailed many times bank says they can not track payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX my family and I checked in at XXXX XXXX XXXX in XXXX, XXXX ( last room available ). Found a/c not working! After the front desk tried to reset it 4 times they finally said that it must not be working. It was in the XXXX 's at this time and we were on the first floor with XXXX little window that would only crack open a little bit. It was a ruff night! I disputed 50 % of the total bill ( {$250.00} ) not was denied by Citi Bank ( XXXX XXXX ) card ending in XXXX and received no compensation from neither one. It's not fair that the XXXX gets paid in full for a room that not in 100 % working order!

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 2022-11-11 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: Colony Brands, Inc.
State: MO

Complaint narrative:
See attachments. XXXX XXXX, ID theft, FCRA willful violations. Nonconsensual trafficking of my nonpublic information used for defamatory purposes for their monetary gain. Colony Brands has no authority to furnish and is furnishing years past its legal limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -JXXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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:
Yesterday, I received through the mail a letter from Midland Credit Management ( MCM ) with 3 options to pay a debt of {$4000.00} with Original Creditor XXXX  XXXX. 
MCM ACCT XXXX XXXX XXXX XXXX XXXX XXXX  I contacted XXXX  XXXX to resolve the account that was past due and the reason which was during the pandemic.Unfortunately that didnt work out. XXXX XXXX placed the account in Charge-off status in 2019. I am just confused as to three ( 3 ) years later the account was sold to a collection agency instead of trying to resolve the issue with me directly. The main issue is the fact that I did not incur a balance of {$4000.00} because my credit limit was XXXX if I remember correctly. 
if MCM can send me a copy of the last statement from XXXX XXXX showing that I did incur those charges. I will be more than happy to work with them on resolving this issue.

Company response to consumer: Closed with explanation