vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
I had a collection account from XXXX sold to this company, they call me offered me to pay the collection account with the agreement to delete it from my credit report. Theyre liars, 1 year later when I see the account still on my report, I dispute it with the credit bureau XXXX come verified with no explanation of what procedure they used to verify that false account, next I called them asked them for a letter that the account is paid in full, the guy was very rude when I confront him told him They lied to me. He said he is going to send me paid letter in my mailing address, XXXX weeks later still no letter show up. So I want them to remove that thing on my report. Because its illegal what they doing

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I applied for the credit card and got approved. The term said XXXX pointsfor {$6000.00} spent in first 6 months, and additional XXXX points for XXXX nights stayed in XXXX properties booked through difrect. The reason I applied because I think the additional XXXX is attractive. 

XX/XX/XXXX I booked through XXXX official site & stayed for XXXX nights. But never got the XXXX points. 

XX/XX/XXXX - XX/XX/XXXX I talked to XXXX  ( XXXX ) different agents for this matter. At first, I was told I need to wait for XXXX weeks to get it. Then after XXXX weeks, they opened & closed XXXX cases to investigate why the bonus points were not granted to my account. Meanwhile, I connected with AMEX at least 5 times ( both online chat and phone call ) to ask about the investigation results. They just kept saying the case was closed & I was not eligible but can't tell exactly why I was not qualified. 

XX/XX/XXXX I talked to a supervisor, after several argument ( he claimed that I was not eligible because there needs to be XXXX different stays instead of nights, but the term he sent said otherwise -- > it CAN be the same stay with XXXX paid nights ). After I explained the term, he said he understood the terms, said he will investigate this, asked me to upload all evidence ( including receipt & booking confirmation ) and get back with a phone call within XXXX days, I did everything he asked, but he never call back. 

XX/XX/XXXX I initiated another chat with an agent, he just kept repeating that the case was closed on XX/XX/XXXX and no activity after that ( not as the supervisor suggested, that he will reopen on XX/XX/XXXX ). The agent said he will reopen the case for investigation. But I am super frustrated, by this time, the case was opened and closed 4 times, and still no resolution ( no reason provided why I wasn't granted the bonus points, nor was the points granted ) I think this is FRAUD and I felt cheated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXXXXXX Acct # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish an 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/16 I submitted a complaint regarding late payments being reported on my account I received notification stating that the information was updated. Nothing has been updated I am submitting another complaint for each account Individually so that no information will be missed or miscommunicated. I am attaching proof that each account was paid as agreed upon.

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about the XXXX of XXXX, 2023, I received a Bank of America Credit card that I had applied for. It has a zero interest rate for one year. I tried activating the card, which went well, I then tried to use the card and it was DECLINED. I called the number on the back and talked with XXXX. He could not assist. I then figured out how to activate the card online ; however, when I tried to use it, it was declined. I could not use the card On XX/XX/XXXX, I logged in. Bank of America had enrolled me against my will into " online banking '' and created an account I did not ask for. I then went to a place in the website that said I could not use the card. I was told that I could not activate the card. I had to go in person to the bank to get the card activated. I could not do this because I am XXXX. I was in a hit by a car on my bike and XXXX XXXX XXXX. I was told that XXXX people are discriminated against. If you don't own a car or XXXX XXXX XXXX XXXX, you may not use the card. They told me I could download the app on my cell phone, and agree to be tracked and then they " might '' activate the card. I refused. 
Bank of America discriminated against me because I am XXXX and XXXX XXXX XXXX to the back to activate my card, and therefore I have been disqualified from using the BofA special offer. My credit score is XXXX I spoke with the following people : XXXX, XXXX ID # 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
The business buried the payment options in the fine print of the welcome kit. If I would have seen that I could not make debit card payments towards the credit limit then I would have canceled it right there on the spot. If I had seen that they didnt accept debit card payments when I applied for the card, I wouldnt have applied for it. 
The settlement that they offered me is offensive. Its not even a settlement. The credit card was for a {$700.00} credit limit. The settlement offer was for {$740.00} and to also put a very small window limit on that which again cant be paid with a debit card is even more disrespectful and offensive. 

The false advertising and fraudulent business practices the company chooses to do has cost me two years of hard work to increase my credit score from very poor to good which is well over XXXX points in less than four months. 

Now they are sending me conflicting correspondence in the mail. One correspondence dated XX/XX/23 states that the account has been closed by me and I must continue making the required payments until it is paid in full. Whatever that even means but Im sure they kept it vague so that you they add more fees and continue to destroy my credit. 

They contracted with or created their own collections agency, XXXX XXXX, to continue their fraudulent business practices. And they dont accept debit card transactions either. 

The other correspondence is dated XX/XX/23 and its an account summary statement which states that I have a balance of {$920.00}. Thats {$220.00} more than the original credit limit with the outrageous fees theyve added. And it also states theyre going to add another {$41.00} to that amount if I dont give them {$220.00} by XX/XX/23. 

Theyve cost me so much more than what they claim I owe then! Two years of around XXXX points of credit score building has cost me close to {$20000.00}, if not more. 
This business has destroyed my credit! 

I even tried to negotiate a settlement in good faith to stop the onslaught to my credit. Theres not a decent business on earth that doesnt accept debit card transactions. The only ones that do not are the ones that like to slowly process money to rack up fees and hurt peoples hard earned credit scores to strong arm them into paying off their entire balance quickly so that their credit score doesnt get damaged anymore. This business is falsely advertising and their business practices are fraudulent. 

There are over XXXX pages worth of complaints filed against this business on XXXX that theyve done, similar if not the same things that theyve done and are continuing to do to me to countless other victims as well. 

Its not fair and its not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I am a victim of fraud. My ex-husband and his mistress used my name and social security number to open accounts in my name. I was separated from my husband since XXXX forced out my home. I had to get legal help to gain entry back in my home. A judge ordered my ex-husband to surrender my home on XX/XX/XXXX. As I returned back to my home, I noticed mail in my name regarding credit card accounts my ex-husband opened without my knowledge. The credit company who purchased my account never checked to see if the accounts were opened with my acknowledgement. Lawsuits were filed against me by Midland credit management, how I gained knowledge of accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Months ago I spoke with someone on the phone to take our loans to standard level so there would be some hope of every getting them paid off. I was told it was done. 

The loans returned to repayment and it was still the reduced amount. 

I applied for Standard Level multiple times and today, XX/XX/26, I get a message they put it in forebearance. 

I've tried to call multiple times and been on hold for hours. I also tried to send them a message, but the site only loops you back to a FAQ. I saw something about XXXX and went there but they turned off the comments. 

How can I resolve something that has no means of resolving?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: OK

Complaint narrative:
I was gone away from home for 36 days. Someone broke into my house while I was gone and made thereselves at home. My new debit card came in thr mail. They opened it, activated it, and used it. Charging over {$550.00}. I reported fraud that day. Sent in information the next day, which included police report, confession from the person that did it, and states attorney filing charges for burglary in the first degree on yhe people responsible. But Dave refuses to refund the missing monge and says the user wad authorized ... that's bs!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2023, I thought I purchased a maltipoo from a company/ family called The XXXX XXXX XXXX XXXX On XX/XX/XXXX  I filed dispute charges because when I tried to gather flight information it was not provided so to protect myself I did filed dispute charges. USAA gathered more information and reversed the {$900.00} that I paid using through link sent called XXXX. I was asked to sent more information over such and a contract and anything related, I did that. Upon receiving another email requesting the same information, I uploaded the information again. On XX/XX/XXXX  I seen an email about the {$900.00} being reversed due to me not sending in the requested documents. I told the agent I did and she advised that I upload them on the USAA Send Documents tab, I did that. Today on XX/XX/XXXX   I seen my account was now - {$900.00}. I chatted in about it and was told the Dispute Team said the requested documents werent sent in. I requested to speak with a manager and was told a Resolution Team would reach out to me. Someone from the team called me today and did look over the documents and seen everything was sent that they requested. She also informed me that the team said the merchant did not match the payment method. I am not sure what that means but she said the team note that nothing in what I sent said anything about XXXX. I have nothing stating that name but I do have documentation about the agreed amount and the link that was sent to me, which is now showing expired. This was my first time hearing about the merchant and the XXXX not matching. They can see based on the information that I sent, which the Dispute Team deemed mostly irrelevant, that fraud was at play. As of now a request was put in for a member of the Dispute Team to contact me in 3-4 business days but as now theres nothing they can do I am told since the merchant and the XXXX arent matching.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  / XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
I am writing to file a formal complaint against Upgrade , Inc. regarding unexplained fees and charges to my account, and the subsequent inadequate customer service when I tried to resolve this issue. I have previously submitted a complaint dated XX/XX/2022, case # XXXX, which was closed without a satisfactory resolution. 

Summary of the Issue : On XX/XX/2022, I made a payment of {$6700.00} against a balance of {$11000.00}. The expected remaining balance should have been {$4400.00}. However, my billing statement dated between XX/XX/2022, and XX/XX/2022, reflected a remaining balance of {$5800.00}. This shows a discrepancy of {$1400.00}. 

Previous Attempts to Resolve : I contacted Upgrade, Inc. customer service via telephone but was given no clear explanation. 
I filed a CFPB complaint on XX/XX/2022. The company responded with account balances but did not explain the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting 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: GA

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. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief