vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 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: Convergent Resources, Inc.
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2023-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: MD

Complaint narrative:
I contacted this company in the month of XXXX. I spoke with one of the debt agents regarding the debt that appeared on my credit report just this year. I asked if she could send the information regarding the debt through mail and she stated that they cant send any letters through mail or email regarding the debt and I would not be receiving a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: PA

Complaint narrative:
My son, XXXX XXXX passed on XX/XX/1990. At the time of his passing his wallet with his id and social security card along with his phone went missing. 
He had several open cash app accounts at the time also. 
I have tried numerous times to contact CASHAPP to inform them of his death. 
The CashApp support team both through the app and phone service have not been able to resolve this. They are asking for information that I can not provide. They want me to reach through his CashApp which I can't do because his wallet and phone are missing. 
Due to him being deceased he can not contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then 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 2023-03-13 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: TX

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2023-03-14 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has added, ( Finally I must say ), a verification process when you add your Username and Password. The verification process, then calls the number on file, issues a validation code to input into the screen for double authentication. I never receive the call. I have been a member for XXXX yrs. This process is new. I have called multiple times, with either no answer, or someone would call me back to solve the issue. Nothing, it has been over XXXX weeks. Here was the ticket number I was given, # XXXX. Also, their phone system has no way of asking to fix this issue, and just hangs up on you. Its been weeks, and I have no access to my credit file.

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 2023-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/23, my wife and I made a purchase to Ashley Homestore in the amount of {$4300.00} and chose to finance through the Ashley - Synchrony Credit Card which the sales representative XXXX XXXX stated would provide a term of 60 months at a 0 % interest rate during that term with minimum required payments. The provided documents during purchase and financing indicated " fixed APR '' to which we protested and asked XXXX if the document was correct and he stated " Yes, this is just the general form we use for financing '' and told me if I had any concerns after the purchase to just call he store. 

After the first statement was received on XX/XX/23 it indicated an interest charge of {$33.00} and reflected an interest rate of 9.99 % " Until Paid Off ''. 

On XX/XX/23 I attempted to contact Synchrony Bank via online chat to inquire if I was receiving interest and why this was occurring and was directed to call the merchant directly. 

On XX/XX/23 at XXXX XXXX  I contacted Ashley Homestore and spoke with XXXX as to how to proceed and inquire why I was receiving interest. XXXX stated she would speak with her sales manager and would contact me later that date. No call was received on that date. 

On XX/XX/23 at XXXX XXXX  Ashley Homestore was contacted again to no answer while being on hold for 9 minutes before the call ended. 

On XX/XX/23 at XXXX XXXX  Ashley Homestore was contacted again to no answer while being on hold for 14 minutes before the call ended. 

On XX/XX/23 at XXXX XXXX  Ashley Homestore was contacted again to no answer while being on hole for 8 minutes before the call ended.

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 2023-03-14 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: TX

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
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

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 2023-03-14 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: NC

Complaint narrative:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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:
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ExperiaXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX Cards I filed a report before and companies were suppose to freeze my credit when an application was submitted but XXXX inquiry which is new still showed up

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 2023-03-14 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-03-14 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I visited XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. On my way to the airport to come home, I left my backpack in the back of the hotel-offered shuttle. The shuttle had already left when I realized my backpack was gone. I was standing at the front of the airport when a man dressed in a security airport uniform approached me and told me I needed to go back to the hotel to track the hotel shuttle that had my backpack. I got into the unmaked shuttle with him and a driver to head back. The hotel was approx 15 miles from the airport. We didn't even make it to the airport and the man told me he found the shuttle and we returned to the airport where it would meet us. We drove for less than half an hour altogether, there and back to the airport. I got my backpack back and was told that ride to find the shuttle would cost {$140.00}. I thought that was an outrageous price but agreed. He took out his XXXX and showed me the {$140.00} total and manually typed my card in. I signed for the {$140.00} and he did not offer me a receipt. The whole thing felt organized and sketchy and I felt very unsafe riding in an unknown shuttle with two strange men. I came home and realized this guy had charged me {$1400.00}. Not the agreed-upon {$140.00}. I disputed this with chase bank. At first, they agreed with my dispute and then went back on that decision. I then sent them a notarized letter I will include here after they disputed my dispute. They are not helping me resolve this and taking the side of the scammers. Why would I pay XXXX for a 15-minute shuttle ride? They are not telling me why they are not approving my dispute. They are ignoring me when I ask for an explanation. I was honest about the {$140.00} and was willing to pay that. This is a known scam in XXXX and Chase bank is not supporting one of their customers who has been loyal for years and always paid their account on time. Instead, they are assisting well-known scams occurring in XXXX. I would never agree to a {$1400.00} shuttle ride and for whatever reason Chase doesn't understand that. I am an older honest woman who is being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TX

Complaint narrative:
I open a U.S. bank checking account online on XXXXXXXX XXXX XXXX with promo code XXXX, the promo code terms and conditions say " Make two direct deposit and earn {$500.00} when your direct deposits total {$6000.00} or more ''. I made two direct deposit from my employer e-paycheck on the day XX/XX/2022 and XX/XX/2022, $ XXXX each which makes me believe all the requirements to earn the bonus are met. Unfortunately, I haven't see any bonus in my checking yet. Contact the bank customer service couple of times and today I receive a mailed letter telling me that my request has been declined just because this checking account is co-branded with State Farm XXXX which is not eligible for the bonus. I don't get it, are you telling me this account is not U.S. bank checking account? If it's not eligible for the promo, why the online system honor the code and let me go through account open process? I have the letter scanned and attached here, it says the promo code XXXX is on file.

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 2023-03-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank Visa is charging a 29.99 % interest rate. Which regulator is allowing this? Outrageous interest and is approaching XXXX. This needs to stop. The bank is also charging " trailing interest '' which allows them to charge additional interest after a consumer has paid the balance. Again, either the banking regulators are allowing this, or perhaps just asleep at the switch. 

Since this card is directly linked to costco, we need to understand if this high interest is benefitting costco, by making it harder for people to pay off their balance for buying food.

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 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I issued a complaint concerning Mr Cooper mishandling of my escrow funds. 

Compliant ID : XXXX Mr Cooper 's response to the above mentioned complaint : After a thorough investigation into this matter, Mr. Cooper found that we disbursed funds in the amount of {$2100.00} on XX/XX/XXXX, to pay your County Taxes for the year of XXXX in error. On XX/XX/XXXX, we contacted the XXXX XXXX XXXX XXXX and confirmed that there is a refund available due to the duplicate payment. Please allow 30-60 business days for the refund to be received and deposited into your escrow account. We sent you a letter on XX/XX/XXXX referencing the above information. 

Since this loan originated in XX/XX/XXXX, a new Escrow Analysis will not be generated until XX/XX/XXXX. This means that your current monthly payment of {$2700.00} will not be effected by the duplicate tax payment. We recognize that excellent customer service is key to our continued success, and we apologize for the specific experience you have encountered. It is not the experience we wish to create for any of our customers. We view your correspondence as an opportunity to evaluate and improve the service we provide to all customers. Thank you for bringing it to our attention and allowing us to address it. 

LOAN NUMBER : XXXXXXXX XXXX* I received today XX/XX/XXXX in the mail from Mr Cooper an Escrow Review Statement dated XX/XX/XXXX. First the funds have not been returned to my Escrow account. And, 2nd they are increasing my monthly payment by {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
MY CREDIT WAS PULLED WITHOUT MY PERMISSION AND ACCTS ARE LISTED THAT I HAVE NO RECOLLECTION OF. 

BMW FINANCIAL SERVICES Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXXXXXX XXXX  DATE OPENED XX/XX/XXXX XXXX {$95000.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX {$110000.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$2800.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX UPDATED XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX Date opened XX/XX/XXXX ACCT # XXXXXXXX XXXX {$290.00} XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Date opened XX/XX/XXXX ACCT # XXXX XXXX {$1400.00} XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX {$22000.00} XXXX  UPDATED XX/XX/XXXX INQUIRY -- - XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: GA

Complaint narrative:
XX/XX/XXXX I disputed all of my student loans on my credit report because back in XXXX  my Dean assisted me with filing my Student Loan Forgiveness package. We completed the FORGIVENESS packages in which I signed and dated. This package was self stamped with nailing instruction in which was nailed back to the sender.

The problem I have been having is that the same student loans are still showing on my credit report even after disputing them with the credit reporting agencies/companies XXXX XXXX XXXX XXXX 
My end goal is to finally have all of these student loans removed from my credit report as promised by the Student Loan Forgiveness Act. 
Thank you in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have received a response from Bank of America, which does not satisfy me at all, that indicates, they have been manipulating me saying they sent me my account balance on XX/XX/2023 and a month later they say they are working on it, that is disrespectful and a violation of human rights.

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 2023-03-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

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

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