vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The extension of this loan given through the use of the Federal Family Education Loan Program constitutes an extension of credit under federal law. Federal law defines a loan and extension of credit as all direct or indirect advances of funds to a person made on the basis of any obligation of that person to repay the funds. According to the Fair Debt Practices Act, 15 USC 1692a., there is no definition for the term loan.Also, banks can not lend money, nor extend credit. A national bank has no power to lend its credit to any person or corporation Bowen v. Needles Nat.Bank,94 F 925,36 CCA 553, certiorari denied in 20, Ct 1024,176 US 682,44 LED 637. The law is not based on belief it is based on facts and what can be proved. I am granting you one last opportunity to cure this matter. Remove this debt from my consumer reports as this is damaging my reputation and causing me financial injury, and apologize for violating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The extension of this loan given through the use of the Federal Family Education Loan Program constitutes an extension of credit under federal law. Federal law defines a loan and extension of credit as all direct or indirect advances of funds to a person made on the basis of any obligation of that person to repay the funds. According to the Fair Debt Practices Act, 15 USC 1692a., there is no definition for the term loan.Also, banks can not lend money, nor extend credit. A national bank has no power to lend its credit to any person or corporation Bowen v. Needles Nat.Bank,94 F 925,36 CCA 553, certiorari denied in 20, Ct 1024,176 US 682,44 LED 637. The law is not based on belief it is based on facts and what can be proved. I am granting you one last opportunity to cure this matter. Remove this debt from my consumer reports as this is damaging my reputation and causing me financial injury, and apologize for violating me.

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 2020-11-13 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: I.C. System, Inc.
State: FL

Complaint narrative:
I had submitted a complaint against this collections creditor that is reporting on my credit reports. I had sent them a request for full validation and to date, they had not responded to me with the information that I am entitled to receive according to law. The Consumer Finance group just sent a reply to the complaint I made, which was XXXX. They just said this company would respond to the complaint directly by mail since they could not figure out who I was. I don't know what other information they would need. In the complaint, I submitted my information, my date of birth, last 4 of the social, which is way more than they have already. I also provided the registered mail / return receipt from the letter I had sent them to obtain validation of this debt. Their answer is generic and incomplete. The basis of the complaint is that they have not mailed me all of the items required by law. Why is the complaint closed. They not only have not provided any answers on the debt but did not answer the complaint. The reason for the CFPB is to protect the consumer, when a credit or finance company is not following the law. This complaint needs to remain open and this creditor needs to answer the initial complaint, which is 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 2020-11-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Self Financial Inc.
State: MD

Complaint narrative:
I opened a credit builder account with the Self Lending website in XX/XX/2020 which states that after paying {$25.00} a month I would be able to build a credit history though a " loan '' and apply for their secured card. The requirements defined on their website to apply for the secured card is 1 ) a Self account, 2 ) {$100.00} in savings progress ; 3 ) three on-time payments - all of which I met. Supposedly, credit score is not a factor in eligibility in this program. I have met all the requirements but when I inquired why I could not apply I was told that I still owed XXXX cents to bring my savings progress balance to {$100.00}. After my last complaint to the Bureau, they reduced the savings progress from 100 % on the dashboard to 99 %. 

NOW, the account has more than {$110.00} and I am STILL not able to apply. They withdrew {$18.00} from my account on XXXX XXXX and have been holding it as " pending '' ever since. Normally, deposits are made and posted in less than two days. 

On the dashboard for the account, it says I meet all the requirements to apply for the card. So why can't I?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The following companies listed below refuses to remove these inquiries from my credit report.I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 

XXXX/XXXX XXXX, XXXX XXXX, COMENITY CAPITAL/XXXX, COMENITY/VICTORIA, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My employer was served a court notice about a alleged debt with XXXX in which I dont recall or have any knowledge of having it that was owed since XXXX never was aware or knew anything about this until today XXXX XXXX its discouraging considering they are making an attempt to garnish my wages on something I have no knowledge of. The initial debt was XXXX in XX/XX/2006 and now they are seeking XXXX in which is ridiculous and immoral!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I have been making all my payments to mortgage company ( Caliber Home Loan ) on time, that includes Escrow ( tax, insurance etc. ). Recently I have been informed by my insurance provider ( XXXX ) that my mortgage company has not made any payments to insurance provider. XXXX has canceled my insurance and are not ready to reinstate the policy. I called Caliber four times in last three days between XXXX XX/XX/XXXX to XX/XX/2020 ). I was told by mortgage company representative ( on XX/XX/2020 ) that they will call insurance provider and will make overnight payment to reinstate policy. I called mortgage company again today two times and asked about the status on their discussion with XXXX. I asked them to connect me with a supervisor to resolve the issue. No supervisor was available and I was asked to leave a voicemail. I left the voicemail and requested mortgage company manager to call me back to resolve and close the issue. No called receive so far. 

My home is uninsured at the moment and XXXX has served me a collection notice. They are not ready to renew my policy. I have been suffering due to mortgage company 's ignorance on not making payments to insurance provider. There is no delay from me on my mortgage payments and all my dues are clear till date, still I'm facing this issue of non-payments to insurance company. Mortgage company is suggesting me to get new policy with other provider, which will increase my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, Transunion and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2020-11-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: NY

Complaint narrative:
Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I paid a collection company and they haven't deleted it with the credit bureaus. I was led to believe on the phone that when payment was received they would remove it from my credit report with the 3 reporting agencies. I have tried to dispute with the credit bureaus and the company but had no success. Please assist me in getting this removed 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 explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Purchasing gift cards through cash app on XX/XX/2020 and XX/XX/2020. 
Non service of merchandise received and rightfully disputed the source with the actual funds responsible of holding. 
Cash app has been contacted about 10-15 times and even contacting XXXX XXXX. The bank associated with the cash app card. 
XXXX faxed my documents over and now cash app wont even recognize the XXXX and XXXX are the two amounts Im disputing and still have no access too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WA

Complaint narrative:
I advised BSI Financial Services, XXXX XXXX XXXX, XXXX, PA XXXX to immediately cancel my Automatic Payment Plan ( ACH ) after I received a letter dated XX/XX/2020, for the following reasons : 1. BSI 's Website does not allow customers to change their payment date, 2. BSI 's ACH does not allow me to pay electronically from my bank directly to BSI, 3. BSI 's Website did not disclose all possible fees in advance, 4. Despite repeated attempts to contact BSI 's Customer Service, including 40 minutes on hold attempting to get an explanation of these issues, finally the recording said I would receive a call back, but after 10 days, I received no call back, I have determined dealing with BSI 's ACH is just not worth it. 

I am filing this complaint to share my anger at receiving this level of customer service, my home loan was sold to BSI without any input from me. I have a very high credit rating and would think that signing up for auto pay is something BSI would welcome and make it easy for all parties, not send threats of penalties and strict rules and not even answering their phone. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Unfortunately, I was not aware of the insurance debt until I inquired about refinancing my mortgage. I have not been contacted by the company or a debt collector. My understanding was my debt was paid in full as I was on the automatic draft payments. Another factor that may have played in the miscommunication was a move in 2019. I would like to pay the due amounts to the company and have this debt removed to correct my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
For quite some time I've been disputing my credit reports with all 3 agencies. They are reporting information that is inaccurate and there are inconsistencies across all three credit bureaus. You will notice in the attached credit report dated XXXX it shows especially for Experian & XXXX that an account named XXXX is reporting as a write off and a balance due. It is satisfied and paid as a settlement in full. I've attached a copy of the precipe from the XXXX County Court dated XXXX. Only XXXX XXXX has updated correctly and is showing it as paid. Furthermore all negative accounts are showing inconsistent balances, last payment received is inconsistent, and balances are fluctuating across all three credit bureaus. I've witnessed all 3 credit bureaus saying that they have verified these accounts and the plain and simple fact is they haven't and this has been an ongoing issue to my credit file over the past several years. There are consumers currently in bankruptcy that are reporting better fico scores than what I'm receiving from Experian and XXXX it's frustrating and I don't have a public record! Please review the information I have attached. Please update or more importantly please delete the incorrect information as it meets the FCRA to delete. Attached you will find a letter from XXXX on XXXX but the same exact letter I received on XXXX stating they believe my dispute to be from a credit repair company and consider it to be frivolous. This has to stop. I sent them letters on my own to dispute and update/delete as required. This will be my last attempt prior to seeking outside counsel to review all of the inconsistencies and violations for the FCRA that has been violated in my name. I look forward to these companies doing the right thing. My social security number is being wrongly discriminated against due to the inaccurate information that is contained in these credit bureaus.

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 2020-11-13 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:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The account I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: MN

Complaint narrative:
To : Executive Office of Discover / XXXX XXXX XXXX XXXX & President XXXX XXXX ) XXXX. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX I called Discover Customer Service to get financial relief ( postponement / reset / interest skip-a-month ) Coronavirus help because I have no job and no money, Discover Lied to me each and every month stating that " Discover doesn't offer Covid-19 relief to its customers '', they keep refusing to reset my monthly payment to {$0.00} since XXXX when this National crisis hit. Discover 's Customer Service Personnel are engaged in Selective Discrimination which is Illegal. Also, last year XXXX I called Discover Customer Service for XXXX Insurance and/or help with lowering my monthly payment due to my XXXX and they told me that " Discover doesn't offer such a thing ''. That to is another Lie! These are all Recorded Phone Calls. and last year after 3 years with Discover I asked for my {$200.00} Security Deposit back & for a non-secured credit card and Discover Lied and keeps saying " I don't qualify '', that is yet another Lie! These people are so cheap and Greedy it is ASSAULTING! Now Discover is sending me Harassing and/or Threatening Text Messages that " I did not sign-up for '' bothering me about payments when they are supposed to postpone XX/XX/XXXX payment regarding ongoing Covid-19 Lockdown. I will have to Sue in US District Court about this abuse and mistreatment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have two credit cards with Capital One : ( 1 ) Quicksilver account ending in XXXX ( 2 ) Walmart account ending in XXXX I moved on XX/XX/20 and what should have been an easy and simple process of updating my home address has turned into one of impossibility. I tried prior to moving to notify the Bank via telephone and was met with extreme difficulty and ultimately the agent was unable to process the address change. Additionally, I tried making the change online but again was met with extreme difficulty and due to stale information was unable to get the receipt the security verification code to access my online account that I setup at inception several years ago. I tried contacting corporate but again was met with extreme difficulty as they route the call back to customer service. 

I want both accounts CLOSED. I used my Quicksilver account for moving expenses and need the charge information confirmed ( i.e., what is the amount due ( should be {$1600.00} ) and when is it due ( should be XXXX ) so I can coordinate the ACH at the appropriate time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: NY

Complaint narrative:
XXXX, Transunion and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2020-11-13 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: NY

Complaint narrative:
XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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