vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted several disputes with Experian with no resolution. 
The other 2 credit bureaus XXXX and XXXX updated my balance with the creditor promptly after I submitted the proof that my account balance was incorrect. 
I opened my dispute with Experian in XX/XX/2021, XX/XX/2021 and again in XX/XX/2021. My dispute is to update that my accounts were paid in full and the balance should be listed as {$0.00}. 

Experian kept updating the account balance with outdated incorrect account balance information and kept updating/resetting my dispute resolution date whenever I updated my dispute with additional documentation provide by the creditors to help resolve the dispute. 
I continued to get the run around and continued delays in answering phones and they kept sending me back to the creditors to update my credit report. 
My creditors also kept saying Experian has been provided with updates that my balances were {$0.00}, but my credit report has never been updated to {$0.00} balance. 

As a consumer, it is unfair that Im caught in the middle of the poor communication and being passed back and forth between the creditors and this credit bureau which has negatively impacted my life. 

My creditors in dispute were XXXX and XXXX. 
I advised Experian that their delay in updating my credit report with valid information was delaying my approval for a mortgage and negatively impact my life and the lives of my family. 
I am still waiting for these creditors to update my balance with Experian, I would like to add again, that XXXX and XXXX are showing {$0.00} balances with both of these creditors which is accurate.

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 2021-11-18 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:
The Company furnishing the information is XXXX XXXX XXXX to Experian, I have Disputed the validity of information on my file however, Experian claims that the information is coming back verified, when I look at all my credit report XXXX, XXXX, XXXX and Experian all of them have very different information so how is it that they are saying that this is verified. Reporting as followed : XXXX : Charge off amount {$0.00} No Late Payment Date Closed XX/XX/XXXX Date Charge-off XX/XX/XXXX Last Payment XX/XX/XXXX XXXX : No Late Payment Date Closed XX/XX/XXXX Date Charge-Off NO DATE Last Payment XX/XX/XXXX XXXX : No Late Payment Date Closed XX/XX/XXXX No Charge-Off Last Payment XX/XX/XXXX Experian Late Payment 180 Days XXXX Charge-off XX/XX/XXXX Date Closed XX/XX/XXXX Late Payment XX/XX/XXXX How can this be verified by Experian as accurate when all the CRA have different reporting, Also, how is it possible that in XXXX was 180 days late but charged-off years later on XX/XX/XXXX. I have contacted XXXX XXXX and they are claiming that they are no longer reporting this account but Experian keeps saying ints verified with XXXX. Would like this account removed from my credit file for inaccuracy as all CRA 's are reporting 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 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: AR

Complaint narrative:
I, XXXX XXXX received a letter from Sequium Asset Solutions on XX/XX/2021 in reference of a Debt for XXXX original creditor XXXX. On XX/XX/XXXX I wrote a notice to dispute the Debt and requested for validation of this debt with competent evidence that I have legal obligation to pay Sequium Asset Solutions LLC. For this debt. I mailed my notice on XX/XX/2021 certified mail. This debt has never been validated by Sequium Asset Solutions LLC and my notice for validation was sent within a timely manner of the 30 days of validation. Sequium Asset Solutions took it amongst themselves to assume that this debt was valid and completely ignored my my rights and my request for validation by not validating this debt or any portion thereof before reporting this debt to credit reporting bureaus slandering my name and damaging a portion of my credit. Sequium Asset Solutions also stated in their notice to me pertaining to this debt. That I should, '' please be advised this matter will not be reported to a credit reporting agency until 30 day validation notice as stated below has expired or validation has been sent to you. '' So Sequium Asset Solutions intentionally assumed that I let validation letter expire without requesting for validation within a timely manner and there was no reason for validation to be sent so this debt is valid. Intentionally taking away a consumers right to request for competent evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XX/XX/2021 I was pre-approved a loan from HSBC Bank - communicated by a Direct Mortgage Consultant called XXXX XXXX. 

On XX/XX/2021, I sent an email to XXXX XXXX stating that I have purchased a property and provided him with a link to the Compass listing of the property which states that the property is an apartment in XXXX XXXX XXXX, a Condotel. 

On XX/XX/2021, XXXX XXXX asks me to send him the closing statement among other documents. On the same day, I sent him all the documents which state that the apartment is in a Condotel. 

From XX/XX/2021 to XX/XX/2021, XXXX sent me several emails and made calls asking me to sign documents and close the initial evaluation process. 

On XX/XX/2021 XXXX asked me to pay {$870.00} for the loan processing which I did immediately. 

On XX/XX/2021 XXXX informed me that the loan can not be processed because the apartment is in a condotel. 

On XX/XX/2021 XXXX and XXXX, I pleaded with XXXX that he did not once mention that the apartment is not eligible for a loan and this information was hidden from me that a condotel can not get a refinancing from HSBC. 

On XX/XX/2021, I again informed XXXX that he should not have asked me to pay {$870.00} for loan processing, knowing very well that the purchased apartment was in a Condotel. I brought to his attention that he was sent the closing documents and warranty deed back on XX/XX/2021 but not once did he mention that this was ineligible for the loan. 

I am only asking that due to the negligence on the part of XXXX XXXX, my loan processing fee of {$870.00} be returned. 

I have spent several hours sending XXXX the documents he needs, while all along he knew that the loan would not be processed. 

I am being penalized due to no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX and XXXX XXXX hard inquiries had been wrongfully placed on my credit report by your office and you are being held responsible from here on the account youre currently reporting is : JPMCB CARD SERVICE XXXX XXXX JPMCB CARD SERVICE XXXX, XXXX XXXX 
To whom it may concern I want to inform your office that you are in violation of FCRA you have violated my rights by reporting false innacurate information by placing these false accounts on my consumer credit report .The accounts that are being reported as me I have no knowledge of them, be adviced by law I have the right to PRIVACY and you the credit reporting agencies have violated it.The of accused hard inquiries and dates FOLLOW AS JPMCB CARD SERVICE BY LAW WHEN A CONSUMER STARTS A DISPIUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNTS THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCY AS FOLLOW XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA.Under the 15 U.S.Code 1681-Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting the congress makes the following findings. ( 1 ) The banking system is dependent upon fair and accurate credit reporting.Inaccurate credit reports directly impair the efficioency of the banking system and unfair methods undermine the public confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.TO ADD ON THE CREDIT REPORTING AGENCIES HAS REMOVED /DELETED THIS FALSE HARD INQUIRY ACCOUNTS ALONG WITH OTHERS BUT YOU XXXX ARE REPORTING THE FALSE INNACURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
I received a gift card as a gift. Instructions are to go to a website to get another gift card ( which is strange to begin with ). The company responded back multiple times stating the issue was resolved. It was not. Then they responded I needed to work it out with the retailer. They at no time offered a new card. They have no plans to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Someone filed for some items in my name, so I called all Experian to inform them on what took place. Customer service would not help me, and take care of the negative inquiries reporting on my credit report! Ive also contacted the companies but I was informed that I would have to contact Experian.

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 2021-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
XXXX XXXX XXXX paid in full still on my credit file XXXX Rausch Sturm LLP I asked them to pay but don't want to take payment reported to the credit reporting agency put lean on my house. 
XXXX XXXX paid in full is still on my file Ice system paid in full still on my file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: Professional Credit Analysts of MN, Inc.
State: VA

Complaint narrative:
On XX/XX/2021, PROFESSIONAL CREDIT ANALYTS added a derogatory on my credit per XXXX. Upon further research this account was transferred/ sold and I'm no longer responsible for this account. Debtor 's collectors did not verify this collection. Also there was NO written communication, contract or signature for this account at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mine. According to the FCRA, PROFESSIONAL CREDIT ANALYTS has violated my rights and I'm requesting legal action to remove account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: SC

Complaint narrative:
XXXX XXXX XXXX has debt on my account that doesnt belong me.. Social security number on their file doesnt match mines

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 2021-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XXXX an ACH was set up to transfer funds into my PenFed account. The ACH was processed successfully the next business day and PenFed put a deposit hold until XX/XX/XXXX. I have attempted to access the funds multiple times since then and PenFed has continuously blocked my account. I have repeatedly asked for an official communication that is compliant with Title 12 and Regulation CC addressing the availability of funds. That request has repeatedly been denied. Initially on XX/XX/XXXX I was told that they wanted me to supply proof that the funds had cleared the sending bank account. I resisted the request, explained that my rights to access the funds under Title 12 and Reg CC were being infringed upon, and the associate agreed with me saying that the account would be unlocked. He went on further to say that if for some reason the account was locked again I simply needed to say his name or provide his employee badge id to have it unlocked. Since then my account has been locked again and they have added to the documentation requirements. On XX/XX/XXXX I expressed concern to a supervisor that none of this made sense and I was concerned that I was being racially profiled by someone with access to the backend of PenFed 's system that was terrorizing my life by infringing on my rights under Title 12 and Regulation CC. The supervisor was immediately dismissive of my concern and went on to defend himself, as if I had said he was the individual racially profiling me. In the morning of XX/XX/XXXX I emailed a Unit Manager expressing the same concerns of Title 12 and Reg CC, along with the XXXX profiling. That email has not been replied to. On XX/XX/XXXX I had a conversation with another manager who insisted the additional documentation was required. My reply to him was that I have repeatedly asked for an official communication that is compliant with Title 12 and Regulation CC regarding my access to funds in my account. He said it was a reasonable request but it has not been received. Also of concern, during that phone call the manager made a statement that PenFed captures and retains demographic information regarding their customers which only compounds my concern of XXXX profiling by someone with access to the backend of their system. In a separate conversation with another manager I read the language of the law in Title 12 and specifically asked if my request for an official communication that is compliant with Title 12 for funds availability was being denied ; rather than take the concern and request seriously the manager 's unprofessional response was to say that I was good at reading the script.

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 2021-11-18 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: MN

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was presented with a credit card offer by Bank of America for a Travel Rewards credit card offering a {$250.00} sign on bonus, plus 1.5 % in rewards points. I clicked on the offer and went through the application process online. I received a credit card and utilized it for several months. I waited patiently for 4 months for the rewards and bonus offer to show on my account. I then decided to contact Bank of America to inquire into why I have not received these offers, and was told that this is not the card I applied for. I stated that I followed the offer that was presented to me online, as I would never sign up for a credit card without points or sign on bonus. I was told that they have the application reflect that this is not the card I signed up for. I let them know that there must be some issue in their system when being directed forward in the application that would have taken me to a card that I did not and do not want. I want to obtain the offers that were presented to me on the website despite what their system directed me to unknowingly.

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2021-11-18 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: MD

Complaint narrative:
This letter is formal notice against Experian who failed to delete unverifiable information in my credit file. I had pointed asked Experian to delete the errors from my credit report that falls under section 604 of the Fair Credit Reporting Act ( FCRA ). They have failed to comply with federal regulations by not reinvestigating nor deleting this erroneous data. At this point they are liable for willful non-compliance, discriminatory acts, and I am seeking punitive damages in the amount of {$1000.00}. I am making a final goodwill attempt and hope that you can help to clear this matter up within 15 days. Please see the attached documentation that substantiate my claim. Please note that Experian keeps alleging that this information is being verified by a 3rd party however, the 3rd party does not have any of the reported information on file for me. We all know that the most serious problems include consumers credit files being mixed with the wrong person which is possible because of the spelling of my name. Also my social security number has been involved in a few data breaches therefore I want this injurious information deleted 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 explanation
Consumer complaint received 2021-11-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Risecredit, LLC
State: FL

Complaint narrative:
I have submitted several disputes with XXXX with no resolution. 
The other 2 credit bureaus XXXX and XXXX updated my balance with the creditor promptly after I submitted the proof that my account balance was incorrect. 
I opened my dispute with XXXX in XX/XX/2021, XX/XX/2021 and again in XX/XX/2021. My dispute is to update that my accounts were paid in full and the balance should be listed as {$0.00}. 

XXXX kept updating the account balance with outdated incorrect account balance information and kept updating/resetting my dispute resolution date whenever I updated my dispute with additional documentation provide by the creditors to help resolve the dispute. 
I continued to get the run around and continued delays in answering phones and they kept sending me back to the creditors to update my credit report. 
My creditors also kept saying XXXX has been provided with updates that my balances were {$0.00}, but my credit report has never been updated to {$0.00} balance. 

As a consumer, it is unfair that Im caught in the middle of the poor communication and being passed back and forth between the creditors and this credit bureau which has negatively impacted my life. 

My creditors in dispute were XXXX and Rise/XXXX 
I advised XXXX that their delay in updating my credit report with valid information was delaying my approval for a mortgage and negatively impact my life and the lives of my family. 
I am still waiting for these creditors to update my balance with XXXX, I would like to add again, that XXXX and XXXX are showing {$0.00} balances with both of these creditors which is accurate.

Company response to consumer: Closed with explanation