vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: MI

Complaint narrative:
I purchased home appliances and received {$600.00} in rebates from a vendor called " Prepaid Digital Solutions ''. These came in the form of pre-paid XXXX that could be redeemed physically or virtually. 

Given that prepaid cards are notoriously difficult to use given the restrictive nature of purchasing goods that exceed to total amount, especially online, I tried to use one of the cards totaling {$200.00} to purchase a merchant e-gift card to buy an item that was over that amount, so I could use a different form of payment to cover the difference. The transaction was declined repeatedly for reasons unknown to me. 

I started a live chat with their support team to troubleshoot the issue and was told that these cards were not authorized to be used for that purpose. When I asked why and for them to highlight language in their terms and conditions that specifically stated that, the agent admitted that language did not exist in their terms and conditions covering that topic. 

So, I am being told I can't use money that belongs to me in certain ways, but that is not legally stipulated in a contract, and no accommodations were provided by the company to remedy the issue. 

They also did not provide a post-chat log for me and the chat cleared before I could take screenshots to document my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Opened a Home Depot card after receiving a letter in the mail, followed by an email advertising 18 months 0 % interest. I receive the card and begin using it, but when I login to the site it only says 6 months special interest. I send them a message asking for them to clarify and they respond with extremely confusing and lengthy amount of steps that need to be taken to request additional time on the interest charges on a per transaction basis. I am still receiving letters asking me to open a card with 18 months 0 % interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I disputed negative items on my consumer report with Experian on XX/XX/2023, unfortunately I didnt send it certified mail so I cant prove when Experian received it, and I already know that its just my word against their word. I do know that I sent Experian a dispute letter, and they have not yet responded, and by law they are required to respond within 30 days after receiving a dispute letter from the consumer. 

Attached to this complaint is a copy of the dispute letter I sent Experian, and since they have not yet responded to my first dispute, I am requesting that they delete all items that I have listed on my attached dispute letter since they are in violation of the FCRA, which makes all my disputes unverifiable. If Experian indicates that they never received my dispute letter, then I am requesting that Experian conducts a Consumer Investigation, not just a verification with the furnisher of information. 

15 USC 1681a ( e ) indicates that a consumer investigation means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. I will expect Experian to give me the names and phone numbers of those they spoke with after their investigation, otherwise the negative items on my consumer report will be unverifiable and must be removed. 

Thank you for your cooperation Sincerely 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 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
my identity was stolen.

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 2023-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc.
State: GA

Complaint narrative:
Client Services , Inc. tries to collect this debt I do not recognize. Please investigate this account thoroughly to resolve this issue in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have Federal Loan that were being serviced by XXXX who is no longer in business, I have disputed the accounts with Trans Union, XXXX, XXXX, XXXX, XXXX, each company keeps verifying these accounts as active and balances correct. XXXX phone is always busy and from a search it says they are closed. so how can they be verifying these accounts as correct, active with a balance when they don't. I've been disputing these accounts since last year when they were paid off and closed.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have Federal Loan that were being serviced by XXXX who is no longer in business, I have disputed the accounts with XXXX XXXX, XXXX, Equifax, XXXX, XXXX, each company keeps verifying these accounts as active and balances correct. XXXX phone is always busy and from a search it says they are closed. so how can they be verifying these accounts as correct, active with a balance when they don't. I've been disputing these accounts since last year when they were paid off and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have Federal Loan that were being serviced by XXXX who is no longer in business, I have disputed the accounts with XXXX XXXX, Experian, XXXX, XXXX, XXXX, each company keeps verifying these accounts as active and balances correct. XXXX phone is always busy and from a search it says they are closed. so how can they be verifying these accounts as correct, active with a balance when they don't. I've been disputing these accounts since last year when they were paid off and closed.

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 2023-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
On XXXX XXXX I contacted XXXX XXXX regarding an increase in my auto insurance coverage because I no longer had property insurance through XXXX  and effectively lost the discounts that I had been receiving. I learned that my property coverage in the amount of {$1800.00} was cancelled and my policy could not be reinstated, and new policy coverage would cost {$2900.00} due to rate increases in Texas. 
I contacted my mortgage company Loancare XXXX XXXX XXXX # XXXX ) to inform them that my property insurance hadn't been paid although I had been paying my mortgage in full every month to include my mortgage, taxes and insurance. My mortgage was transferred to Loancare/XXXX  in XX/XX/XXXX and my previous mortgage company escrowed my property insurance payments. The Loancare/XXXX  employee XXXX stated that there was a not on my account stating that an escrow account for insurance wasn't required. XXXX said that she was escalating my complaint and the error would be remedied and an escrow account would be setup by Friday, XX/XX/XXXX. 
I contacted Loancare/XXXX  on Friday, XX/XX/XXXX and was passed around to several employees, each not seeming to be aware of my issue and each were uninterested in helping me to resolve their error. After remaining on the phone with Loancare/XXXX for XXXX hours, I received a follow up email that my case had been escalated and assigned to a Case Manager and to allow additional time to research my concerns. My case id number is XXXX XXXX XXXX. 
This morning, I contacted XXXX XXXX again hoping to reestablish property insurance so that my home does not continue to be uninsured. During this phone call I learned that the rates have increased once again and the new premium is {$3600.00} which is 200 % increase in the amount that I was paying before Loancare/XXXX  failed to escrow and pay my property insurance. 

This error has placed an unfair financial burden on me and my family. This error increases my monthly mortgage payment by more than {$300.00}. I believe that it is unfair for me, as the consumer, to have to pay for the error of Loancare/XXXX employees . As a mortgage holder, I have paid my mortgage on time every month and trusted that my mortgage company appropriately escrowed and paid my property insurance and property taxes. I need assistance in working with my mortgage company and insurance company to resolve this issue without being penalized and placed in financial jeopardy for an error that I did not make.

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 2023-05-08 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: TX

Complaint narrative:
its a bunch i have hard inquires on here that was not done by me i called tried to dispute online nothing credit is still the same.. 

Also its address that are not mine on there as well as a ss number thats not mine on there as well... 


XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX  {$150.00} XX/XX/XXXX XXXX XXXX {$370.00} XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX i have 23 inquiries that i did not do nor authorize to be done on my behalf.. 

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 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 explanation
Consumer complaint received 2023-05-08 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: Kriya Capital, LLC
State: PA

Complaint narrative:
CEASE AND DESIT XXXX XXXX XXXX XXXX to a willing person, it is not a wrong CREDENCE RESOURCE MANAGEMENT company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You CREDENCE RESOURCE MANAGEMENT knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX XXXX XXXX XXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX. My social number is XXXX. I am writing to you because this incorrect account is on my credit report. these account : 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$0.00} 2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$300.00} 3. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$4000.00} 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$400.00} 5. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with balance of {$18000.00} These are not my accounts. I don't know about. I sent a remove letter couple of times, but it has not been removed yet and I have not been contacted, so I am sending a letter like this again. Please remove these incorrect and wrong accounts from my credit report.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions Dear, TransUnion I am writing to request the removal of the address XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX from my TransUnion credit report. My latest credit report shows that it is listed as one my address and I no longer have any involvement with this address I asked that it be removed. I also would like XXXX XXXX to be removed as my employment I no longer work with that company. Both address and employment information needs to be removed immediately!! 

Thank you in advance, 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 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Synovus Bank
State: GA

Complaint narrative:
i have voiced complaints about this in the past and have been told repeatedly that they pay checks ion order that they're received & that they post deposits first. I contend that neither statement is true.I have witnessed the opposite numerous times on XX/XX/2023 i had insufficient funds, as a wire transfer deposit came a day later than expected. Checks were entered from the largest amount to the smallest, or in descending order of amount. Had ALL the smaller checks been deposited first, most would have cleared with NO SERVICE CHARGES, yet they put in the {$1700.00} check first, so they could charge {$250.00} in service charges!! Also they then did deposits last! I thought regulatory scrutiny had put an end to these usurious practices. It costs banks maybe {$2.00} per check on an overdraft, so that {$250.00} gross profit. Synovus Banks continue these fraudulent practices & there is no defense for these consumer practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TN

Complaint narrative:
I contatacted XXXXXXXX XXXX and showed proof that the debt was connected with fraud and they indicated they would remove it from my credit report and has yet to do so .Paid off Balance {$77.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX When speaking to the Experian agent they indicated they would remove it and has yet to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: CA

Complaint narrative:
Information reported that does not belong to me : NAMES : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( MY ONLY NAME IS XXXX XXXX XXXX ) ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX ( MY ONLY ADDRESS OVER 7 YEARS HAS BEEN XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX ) EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( MY ONLY EMPLOYER IS HXXXX 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 2023-05-08 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: Nelnet, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX and Account # XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without a permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: IN

Complaint narrative:
I've requested correction of from XXXX XXXX of amounts to be adjusted to correct amount for XXXX XXXX XXXX on XXXX report XXXX and XXXX .the amount wasn't corrected after payment made was not adjusted from XXXX. I disputed Credit Bureau System Inc. whom I've never had a contract with which was sold from XXXX XXXX XXXX XXXX XXXX amount of XXXX, XXXX XXXX, XXXX amount of XXXX, XXXX XXXX amount of XXXX, XXXX XXXX amount of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Social Security was provided in addition to documents showing that I had XXXX XXXX and XXXX XXXX medical coverage during these times. Due to the false and negative information it has harmed my credit and caused financial hardship to which it has violated my rights 15 U.S.C 1692, 15 U.S.C 1666 and ( T.I.L.A ) ( F.D.C.P.A ) XXXX XXXX XXXXXXXX XXXX, XXXX, has settled in Lawsuit is closed was sold to XXXX XXXX XXXX to XXXX XXXX XXXX. Settlement has be attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation