vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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:
Good morning, This year has been a very rough year to say the least. My wife and I were considering a XXXX  but decided to XXXX XXXX XXXXXXXX  and save our family. Here is what happened : In XXXX, I prepaid a lawyer XXXX XXXX dollars to represent me in a case that never happened. I fired the attorney and requested a refund since our case was a wash and the law firm basically did no work for me whatsoever. 

The law firm refused to refund me, pointed out to me that they had ONLY used around XXXX or XXXX of my retainer, but instead of returning the unused amount to me in its entirety, they only wanted to give me half. 

I disputed the charge with my CC company, sent them ALL OF THE DETAILS from point A to point Z and they sided with the merchant. 

I will fight until I have no fight left to stand up for what is right, ethical and moral. This law firm and cc company ( citi ) are taking away my family 's XXXX by trying to rob me of XXXX XXXX dollars. I need help, please help me! 

I have all of the documentation necessary to prove that the law firm owes me at minimum {$1200.00} dollars, but they are only willing to give me half of that. Which is wrong, illegal, and inhumane.

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 2022-11-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been asking you to remove these unknown accounts from my report, I am additional proof that I didn't open these accounts. I was told by a legal expert that they may be caused by the Equifax Data breach, so please remove them already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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:
XXXX XXXXXXXX : 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 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 2022-11-29 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:
Reporting a bankruptcy that does not belong to me it belongs to someone else with a similar name as mines

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 2022-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All 3 bureaus are adding " Reaffirmation of Debt '' each month to my XXXX XXXX XXXX XXXX XXXX card each month. They are reaging my XXXX XXXX that was XXXX in XXXX 

This is bringing down my score XXXX points each month and they are not fixing the issue & have closed or failed to respond within the specified time frames. 

XXXX, XXXX and TransUNion have negatively affected my accounts due to this erroneous reporting they are not correcting. It took me years to build up my credit and these agencies are not doing their due diligence in fixing the issue and coding on my credit file. They refresh the " Reaffirmation of Debt '' each month and fail to delete this from the file since the Bankruptcy was XXXX over 7 years ago going on 8 years.

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 2022-11-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
All 3 bureaus are adding " Reaffirmation of Debt '' each month to my XXXX XXXX XXXX XXXX XXXX card each month. They are reaging my XXXX XXXX that was XXXX in 2015. 

This is bringing down my score XXXX points each month and they are not fixing the issue & have closed or failed to respond within the specified time frames. 

Equifax, XXXX and XXXX have negatively affected my accounts due to this erroneous reporting they are not correcting. It took me years to build up my credit and these agencies are not doing their due diligence in fixing the issue and coding on my credit file. They refresh the " Reaffirmation of XXXX '' each month and fail to delete this from the file since the XXXX  was XXXX over 7 years ago going on 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: NJ

Complaint narrative:
No one has assisted me in filling out this form. 

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. 

XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX 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 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 explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I have been unable to use my Comenity Capital Bank XXXX XXXX credit card in over a month. I have made numerous phone calls to get resolved only to be told I have to speak with the Security Department and left on hold for over 40 minutes at a time with no Representative ever picking up. I do not have an hour to sit on hold and wait for a non-existent representative. I am very frustrated, I have never missed a payment or made a late payment and I just want to be able to use my credit card. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: LEXISNEXIS
State: MO

Complaint narrative:
XXXX and Lexis Nexis have both, without permissible purpose, attained, retained, maintained and sold my personal information personal information which is against the laws states in the FCRA - Fair Credit Reporting Act. 

To note : XXXX states that they are not a CRA XXXXCredit Reporting Agency , and are not obligated to abide by the laws of the FCRA - Fair Credit Reporting Act. Yet by attaining, retaining, maintaining and selling consumer information XXXX is operating as a CRA and continuously acting illegally as a CRA with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cawley & Bergmann, LLP
State: AL

Complaint narrative:
I have attempted to verify claims by XXXX XXXX that I owe XXXX to them. XXXX had a very threatening attorney, Cawley & Bergmann , LLC call me repeatedly over the course of 7 months. I have not entered into contract with XXXX XXXX or Cawley & Bergmann , LLC and do not plan to. I called the attorney office back that threatened me because i was afraid of legal action based on their aggressive calling and leaving voicemails. I was finally able to verify the debt on XX/XX/2022, which is from XXXX XXXX XXXX XXXX. The original documentation clearly shows that the " debt relief '' program was supposed to be at an annual 16.99 % yet my signature was electronically signed to a 19.38 % which I do not have any record of until my request. The first page of the XXXX XXXX XXXX XXXX is the only page that was presented to me which displays the 16.99 % as agreed. This was a deceptive practice and caused the payment to be outside of ability to pay based on our debt to income at the time, and currently is about 46 % today. I have attempted to contact XXXX to resolve the matter, but no response just threats from attorney 's office and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After receiving a copy of my credit report and realized an account that is reporting incorrectly. This account was paid in full and on time in XXXX XXXXHere 's a copy of my bank statement where the account was paid in full and should be IMMEDIATLY removed from my report. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS PAID IN FULL AND ON TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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:
After receiving a copy of my credit report and realized an account that is reporting incorrectly. This account was paid in full and on time in XXXX XXXXHere 's a copy of my bank statement where the account was paid in full and should be IMMEDIATLY removed from my report. 

XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS PAID IN FULL AND ON TIME.

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 2022-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX CarMax Auto FinanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 usc 1861 section 602 states i have rights to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer plan as late for any purpose.

I took action of disputing this matter and even asked company to remove late payments in accordance with the law and was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
Monday, XX/XX/2022 at XXXX - received an email and text notification from XXXX XXXX saying there is a new inquiry on my XXXX credit report. After checking my XXXX XXXX account I saw that there is a new hard inquiry dated XX/XX/2022 from FEBDestiny. Location address shown on my credit report is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Phone number listed is XXXX. Inquiry type shows as Individual. I immediately called the number XXXX as listed. A recording says that number is disconnected. I looked online for Destiny Bank and found a toll-free number listed as XXXX. Recording at that number said to call within normal business hours and immediately disconnected. 

Tuesday, XX/XX/2022 at XXXX - I called the number to Desitny Bank to ask about the inquiry. Using my name, last four digits of my social and date of birth they claimed that they have no accounts listed under my name. They suggested that I call XXXX. 

Tuesday, XX/XX/2022 at XXXX - I called XXXX. XXXX is able to see the inquiry and suggested three actions : 1 ) XXXX offered to notify Destiny Bank of the fraudulent activity which I asked them to do for me. 2 ) They suggested that I call the creditor which I informed them I had already done. 3 ) File a police report and file a report with the FTC, which I am doing now at XXXX. 

I also put a freeze on my credit to prevent future applications and inquiries. 

I would like this hard inquiry immediately removed from my credit report as I did not request any new credit from Destiny Bank or any other creditors in the past several months. 

I would also like to ensure that no accounts or other credit activities have taken place as a result of this inquiry. 

If possible, I would like to know who accessed my credit information and how they obtained my personal information to access my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
Received a call on XXXX XX/XX/XXXX from an agent from Financial Recovery Services, a debt collector, claiming that I owed {$810.00} for a " XXXX '' account that was charged off in XX/XX/XXXX and now owned by a company called XXXX XXXX XXXX. I stated to the agent that the debt was not mine and stated that I needed a debt verification as the agent could not even tell me what address I was living at during the time this debt or account was supposedly applied for. I have not received any documentation from the company other than a standard debt letter which I am also taking action to dispute ( see attached ) and request all documentation on this account such as completed applications forms or promissory notes, emails and email addresses, addresses, phone numbers, names, SSN # s, etc. It is also suspect that out of the blue, a debt collector would try to collect on debt that is at least XXXX years old ( based on the phone call and letter I received ) as I have never been contacted about this account previously. XXXX XXXX XXXX XXXX reveals very little as I could find any contact information or website for them except that it is a foreign limited liability company and appears to have been incorporated in multiple states throughout the XXXX calendar year. I believe that XXXX XXXX XXXX is running a scam where they may take fraudulent or time barred debt and misrepresent it to debt collectors as " owed '' and debt collectors attempt to collect the debt without confirming the validity of the debt. This an evil practice that preys upon vulnerable people to take what may be the last dollars in their bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I made a transfer from my transaction account to my savings account for {$1100.00} on XX/XX/XXXX. 

The bank did not post the transfer DEBIT until XX/XX/XXXX. The transfer debit was posted AFTER several debit card transaction that were processed AFTER the transfer. They also posted an XX/XX/XXXX bill payment after several debit card transaction made after the bill payment. 

This caused my transaction account to be overdrawn and the bill payment is now showing as rejected. 

The bank then placed the entire {$1100.00} that I transferred to my savings account on hold, causing the savings account to also be overdrawn. 

When I called the bank, they said that they placed the {$1100.00} on hold because my checking account was overdrawn and said they would not be releasing the {$1100.00} hold in my savings account until I covered the overdrawn balance in the transaction account. I explain that I could cover the overdrawn amount in my transaction account if they removed the hold on MY money in the savings account. The representative stated that the bank would not remove the hold in my savings account, even though that hold was on MY money, until I covered the overdrawn balance in my transaction account. 

I asked to speak to a supervisor. While I was waiting, my wife was able to transfer enough funds into my transaction account so that the account was no longer overdrawn. When I spoke with the supervisor, I was told that they would not be removing the hold, and that I would have to wait until the following business XXXX for the hold to be removed. 

This is a blatant reordering of transaction processing and arbitrary holds to cause fees. Also, I was misinformed by the first representative RE what I needed to do to get access to MY money. I was told that I had to cover the overdrawn balance to get the hold removed, only to then be told that they weren't going to remove the hold and that I had to wait until some automatic process to run the next XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A person supposed work for XXXX call me with my Account number and the amount we owe saying that if I dont make a payment tru XXXX XXXX will get electricity cut it off so I summit the payment and after that I fine out that I was a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
Hello During Covid 19 i fell through some hardship with work and hours and also had some health concerns that made me fall behind on my mortgage and once getting back on my feet I tried to reach out to my mortgage company to see if there was any assistance or try to modify my loan and I kept being denied. They would not accept any pay rate updates that i continue to provide them they just kept declining it and now i am in desire need of some assistance to keep my home. I have had this home for XXXX years and I have raised my kids and i would love to do what it takes to keep my home so i can also have a place where my grandkids can come and and we continue to be a family i really need and want to stay in my home and as i had no desire to sell this home as i have had for XXXX years and making memories with my kids, Rushmore loan company is not willing to work with me on this matter as i still have a sell date of XXXX 6,2022 I have reached out to loan company and i have reached out to NACA and they have been working as well to try and help me save my home as well as NC HOMEOWNER ASSISTNCE. I explained to RUSHMORE I just need a little more time to make this right and save my home. Please help me and my family. Covid has hit us all hard..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX, XXXX informing me of a debt collection attempt on a non-existent PayPal credit account. I wrote to the XXXX on XX/XX/XXXX informing them that I had been a victim of identify fraud and that I have never had a credit account with PayPal. On XX/XX/XXXX, I received another collection notice from the same company for a different PayPal account number with a different amount. I again wrote the company telling them that I have never had nor ever will have a " credit '' account with PayPal and that this is fraud. I also verified with PayPal that no such account number even exists and that this is clearly fraudulent and to cease and desist from contacting me. On XX/XX/XXXX, XXXX, I received yet another debt collection notice from XXXX with yet a third/different PayPal account number. Each letter states that if I do not write them back, then it is assumed that the debt is legitimate. They need to stop harassing me into taking my time and money to write and send certified letters telling them these are fraudulent accounts. They need to have better controls in place internally to verify that these are in fact even legitimate PayPal accounts, which they are not according to PayPal.

Company response to consumer: Closed with explanation