vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I made an inquiry about mortgage refinance online through XXXX   XXXX  and was contacted by XXXX XXXX from XXXX XXXX XXXX. After many emails from him I asked what information did he needed to move forward. He replied with some questions which I answered to the best of my ability. However he didn't asked me for my SSN and never indicated he would do a credit inquiry on my credit report. I was under the impression that with the few questions I've answered, he would be able to give me a pretty good idea of what to expect in which he did but, after he realized I was not a veteran he apologized for the confusion and said that based on my income he would not be able to assist. I questioned if perhaps a HELOC was a possibility but never got an answer. Instead I got an alert about the credit report. He never disclosed any guidelines about credit inquiry nor did he obtained my consent or permission for it. With this complaint I intend to have the credit inquiry withdrawn along with any personal information I may have provided to XXXX XXXX and XXXX XXXX XXXX and it's affiliated Companies. I've only communicated with XXXX XXXX over emails which I can forward them if needed.

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 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I noticed this account when I viewed my credit report on XX/XX/2020. On XX/XX/2020, I sent them a letter through certified mail requesting validation proving that I am indeed the party they are seeking for to pay this debt, and if there's some contractual obligation that is binding on me to pay this debt. They received the letter on XX/XX/2020. They then sent me a letter that i received on XX/XX/2020 with insufficient validation. I'm requesting that all references to this account be deleted and completely removed from my credit files and a copy of such deletion shall be sent to me immediately. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have previously submitted the same complaint to CFPB because the company ( Wells Fargo ) did not respond to my questions at all. They just sent me several monthly statements highlighting some transactions on them. Unfortunately these statements and highlights do not specify if the PIN was used. As such, my questions were not answered and I have no choice but to resubmit my complain. Below is my original complaint. 

Unfortunately I have no choice but to file a complaint because I cant get answers from Wells Fargo Customer Service. I was sending my questions to WF online asking how many transactions have been made using a debit card linked to business account ending with XXXX from the day of the account opening. Overall and as I mentioned in my correspondence to WF team, getting answers from WF online support is getting difficult in the last several months. 

Unfortunately I could not find out this information on my own. As you can see from this account summary, once I scrolled down to transaction details, it still does not specify whether this transaction was made using a debit card linked to this account. As you will also see from my attachments, WF customer service did not answer my questions on two separate occasions. 

Solution : ( 1 ) Please answer my question how many how many transactions have been made using Wells Fargo Business Debit Card payments/purchases using a debit card linked to my business account ending with XXXX and using PIN from the day of the account opening till today ( XX/XX/2019 ). Thank you. 
( 2 ) Based on my calculations ( please see account summary attachments ), I have made 12 Wells Fargo Business Debit Card payments/purchases using a debit card linked to my business account ending with XXXX and using PIN. Please confirm that this information is correct. Thank you.

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 2020-01-17 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I want my case to be heard and not simply closed. I've tried multiple times and submitted all documentation for my case to be resolved yet because of the incompetency of suntrust employees and false accusations that I haven't tried to sort this out with them is a complete lie! I have supported all documents and more what else do you want!! I've talked to several agents and I keep getting the same feedback and nothing has been done. I've provided all documentation : bank statements and letters that prove I've paid on time. They are still pretending to not have the money. This is ungodly and immoral to the tenth degree. 

I also filed a dispute with XXXX  to make them aware of what is being done to my account. 

Also suntrust has sent another breech of letter and a statement of XXXX. They are planning to ruin my account and credit. I don't how else to express this is plain english and no one is doing any thing to help me. I'm clearly not dealing with any human beings!!

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 2020-01-17 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: MI

Complaint narrative:
I am unable to receive a paper copy in the mail from the major 3 reporting agencies i.e. XXXX, XXXX XXXX and Experian. I submitted the Annual Credit Report request form and I received a written letter via USPS, indicating that they could not verify my Identity. In addition, I enclosed a copy of my 1. ) Michigan Drivers License, 2. ) SSI card, 3. ) Voters registration card, 4. ) Current Passport. Along with the denial letter highlighting the items that was requested. I also attached a copy of my online credit report from the agency itself, but the issue was that the report was out of date and I needed a new report. I also enclosed a copy of a credit denial letter. I submitted this request multiple times to no avail and the very last request went unanswered. This request of my credit report has become straining, thus I can not move forward in my attempt at restoring my credit and disputing Third Party debt  collectors. Please be advised that I have received my credit report via USPS in the past from all 3 Credit Bureaus. Please advise.

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 2020-01-17 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In the very begining of the loan, the due dates were set for the XXXX of each month. 
here in XX/XX/2020 XXXX  shows two late payments witch is not correct, there have NOT been any lates. 
late payment fees added upon top of wrongful charge of being late initially is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Consultants, Inc.
State: NC

Complaint narrative:
I sent a debt collection validation letter to this company on XX/XX/2019 their response in their letter they sent back to me clearly violates my HIPAA rights because I never signed the HIPAA release form with XXXX XXXX to share my information with professional recovery Consultants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My XXXX XXXX gave me a brochure from XXXX XXXX, which offered financing for my procedure. They had a plan where you could spread the cost over 12 months with no interest. I was told I would need to call them directly to apply. I called and began to set up my account with their bank, Comenity Capital Bank. They took the entire application online. Once approved, the credit could only be used for that procedure, with my doctor. The rep told me that for the 1 year financing with zero interest, I would have to let THEM know the total cost of my procedure, and they would calculate the EXACT monthly payment necessary, so that I would pay no interest. 

The rep put me on hold and finally came back and said I would need to pay {$1400.00} every month, in order to have the " zero interest plan. '' I soon got a letter of credit approval in the mail. The letter was dated XXXX. It did NOT state the beginning and end of my 12 month promo period ; only that " once I made a purchase, '' ( my XXXX ), I would get a statement. My XXXX was on XXXX. Once I got my first statement, I set up auto-pay so every payment of {$1400.00} would be on time. The final payment came out to {$1400.00}, also paid on time. 

I then considered my debt paid. The next month I got a bill for {$3100.00} in interest, since I had " exceeded the 12 month promo period. '' NOWHERE did they define the start and end of the promo period. I NEVER go a copy of any credit agreement I signed. I paid the monthly amount THEY calculated. They used the credit APPROVAL date as the start of the promo period ( but never told me ) rather than my XXXX date, which was my " purchase. '' I think all their literature and procedures are Intentionally Misleading, in order to collect interest unfairly. I filed a dispute, but they sent me a letter saying they " need 90 days to investigate. '' Meanwhile they add over $ 100  monthly in interest and late fees. I have attached some supporting documents, with my notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Car loan from JPmorgan chase. They are in correctly reporting a missed payment on XX/XX/2017. Account was on automatic payment. Was told by representative they would fix it 3 years later it has not been corrected. 
Representative has not returned phone call in 3 months. This " late " payment is effective my life. 

Also FICO has not been reporting proper score neither has XXXX. I have reached out to both companies to correct mistake they say they will but do not. 

XXXX XXXX XXXX has opening a collection on a account that was fraudulent create m XXXX has not remove it after submitting paperwork. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Lexis Nexis is reporting bankruptcy to XXXX  and XXXX  lexis Nexis said they would remove it I have disputed it lexis Nexis is still reporting to XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: CA

Complaint narrative:
Car loan from XXXX XXXX. They are in correctly reporting a missed payment on XX/XX/2017. Account was on automatic payment. Was told by representative they would fix it 3 years later it has not been corrected. 
Representative has not returned phone call in 3 months. This " late " payment is effective my life. 

Also XXXX has not been reporting proper score neither has Equifax. I have reached out to both companies to correct mistake they say they will but do not. 

XXXX XXXX XXXX has opening a collection on a account that was fraudulent create m Equifax has not remove it after submitting paperwork. 

Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting bankruptcy to XXXX  and transunion XXXX XXXX said they would remove it I have disputed it XXXX  XXXX is still reporting to XXXX  and transunion

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is reporting bankruptcy to Experian and XXXX  XXXX XXXX said they would remove it I have disputed it XXXX  XXXX is still reporting to Experian and 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 2020-01-17 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: CA

Complaint narrative:
In the very begining of the loan, the due dates were set for the XXXX of each month. 
here in XX/XX/2020 Experian shows two late payments witch is not correct, there have NOT been any lates. 
late payment fees added upon top of wrongful charge of being late initially is just wrong.

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 2020-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
Three years ago i applied for a secured credit card at First Hawaiian Bank. I have attempt twice to have the hold released and was told by two different people I needed a 790 credit score. I asked have anyone got approved with less than 790. Point is they are holding my money hostage. I believe i am being discriminated against and would like this investigated ... A 790 credit score. Really?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: GA

Complaint narrative:
To Whom It May Concern : This letter is regarding account, which you claim I owe {$240.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX   ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
To Whom It May Concern : This letter is regarding account, which you claim I owe {$2300.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK
State: MN

Complaint narrative:
I have requested a new card to replace a lost card multiple times over the past month and have not received it. Please let me know the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. 
WITHOUT : Permissible purpose from the creditor. 
Written Authorization ( your signed application of credit ) Proof you  initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 


XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995

Company response to consumer: Closed with explanation