vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 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: NV

Complaint narrative:
FILED A COMPLAINT ADJOINING CFPB, XXXX, XXXX & EXPERIAN TOGETHER -- WAS TOLD COULD NOT DO THAT SO THIS VERSION 1 @ A TIME STARTS WITH EXPERIAN TGHE ATTACHED RTEPORT PROVIDED TO MR. XXXX BY A NEW PRIMARY DOCTOR AN EXPERT IN MANY WAYS DETERMINE IN HIS REVIEW OF MEDICAL RECORDS ( THE ONE ' ATTACHED THAT XXXX XXXX : 1. DID NOT HAVE XXXX THEREFORE XXXX XXXX XXXX XXXX BY NUMEROUS MEDICAL ENTITIES WERE NOT NECESSARY & MUST BE DELETED. 
2. THAT AS A XXXX EXPERT DETERMINED THAT MR. XXXX XXXX  IS GREAT & THEREFORE DID NOT NEED A XXXX  THAT DOCTOR WOULD VISITED XXXX XXXX WITHOUT XXXX XXXX CONSENT FOR 3 STRAIGHT DAYS -KEPT PUSHING ON XXXX XXXX TO HAVE XXXX XXXX XXXX XXXX XXXX XXXX THUS ALL BILLING APPEARING ON EXPERIAN CREDIT REPORT NOW OR IN THE FUTURE ASSOCIATED WITH EITHER NEED TO BE DELETED. 
MR. XXXX HAS NOT SOUGHT DAMAGES TO THE MALPRACTICE OF THESE DOCTORS BUT WILL IF CREDIT ABUSE CONTINUES EXPERIAN CONTINUES TO REPORT FALSE NARRATIVES TO HIS CREDIT FROM CLAIMS BY XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX WITHOUT EXPLANATION. 
RECENTLY ALL OF THE ABOVE WERE CONTESTED BUT THE FORM PROVIDED BY EXPERIAN SEEM TO FAIL- THIS WAS REPORTED TO CFPB & SHOULD CONTINUE AS A 2ND COMPLAINT. 
CLAIMS THAT ITEMS LIKE XXXX XXXX WAS SENT TO THE FTC HAS BEEN DENIED AS FTC STATES THEY HAVE NO ACCESS TO CRPB REPORTS. FTC HAS HOWVER ACCEPTED A COMPLAINT AGAINST XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
We received a {$50.00} PNC prepaid/gift card for taking part in a study. The documentation we received stated that there were no ATM withdrawal fees from PNC ATMs, so we went to one nearby and withdrew {$40.00} ( multiple of {$20.00} ). They charged us a {$2.00} fee anyway.

You can't call them because they charge {$2.00} to talk to an actual human. You can't go to a teller because they charge {$5.00} for any sort of teller-related service with these cards. 

It seems pretty clear to me that the entire prepaid card business model is built on extractive hidden fees, fees for basic services ( like customer support and teller services ) or stealing money from people for failing to use the card within a specified period of time ( in the case of gift cards specifically ). It's insane to me that you all allow this business model to continue to exist. What is the CFPB even for?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
My loan was in Covid19 deferment through XX/XX/2021. Now, they are demanding all of the payments due at once, a total of {$55000.00}. My latest bill says that I am 657 days delinquent on my mortgage, as though there was no deferment and I simply made no payments. I have submitted paperwork for assistance 3 times and was told after the first two times that they had not received anything, even though I received a confirmation email from their system. 
I do not understand how it can be considered a deferment and still show as delinquent payments for the entirety of the time period.

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 2022-01-30 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 — Problem with personal statement of dispute
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I am aware of my rights that have been violated by these financial institutions and 3rd pay debt collectors. I want my consumer report and FILE. there is a difference between both. In pursuant to 15 USC 1692C ( C ) Ceast and disist. I am the only true original creditor as well as these companies are portraying to be so, in pursuant to 15 usc 1692g iu want you to provide all that is required and if you can not which I know you can not because in TILA 15 USC 1602 I understand the definition of a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was selling a dress on XXXX marketplace in the first week of XXXX for XXXX $ and received an offer from a XXXX user. They sent me an email ( that I found out later was a scam ) that looked like it was from XXXX ( the agreed upon method of transaction ) to make it look like they had completed the payment. I did not realize at the time that the email was fake/ a scam, and after I had already shipped the product I got another email that said the buyer of the product would have to send another XXXX $ on top of the XXXX $ they paid for the product because of " an issue with XXXX account limit '' and that I would not be able to have the XXXX $ deposited into my XXXX account unless I showed proof of refunding that extra XXXX $ to the buyer. The buyer contacted me saying they would pay the extra XXXX so I could supposedly get my XXXX $ payment for the product deposited into my account and that I should send them proof of refunding the extra XXXX they paid supposedly because of the account limit issue. I thought I was refunding them for the extra money they had supposedly paid so I could get my payment funded to my account, but it in fact was a scam and instead of receiving my XXXX $ payment for the item I paid XXXX $ to the scammer. I disputed this charge that was made through XXXX through my Wells Fargo account and they denied the dispute. I believe this falls under the consumer protection laws for regulation E and would like this report to be sent to my bank in hopes of them refunding my money because of a scam.

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 2022-01-30 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: IL

Complaint narrative:
I am a Victim if Identity Theft all of my information including my address, phone number, email addresses, social security number, bank account information, along with other personal information have been compromised.My personal information has also been exposed to an Equifax data Breach and also a XXXX  data breach. My personal information has also been exposed on the dark web.There are several inquiries and accounts that i am not responsible for.The accounts that i am responsible for have been Greatly affected by this situation including several of my personal accounts in which i pay bills with.According to the Fair Credit Reporting Act it is within my rights to dispute any Incorrect information or derogatory remarks including Late payments.I have tried to settle this matter with several companies because it has greatly affected my family and i during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: IL

Complaint narrative:
I am a Victim if Identity Theft all of my information including my address, phone number, email addresses, social security number, bank account information, along with other personal information have been compromised.My personal information has also been exposed to an XXXX data Breach and also a XXXX data breach. My personal information has also been exposed on the dark web.There are several inquiries and accounts that i am not responsible for.The accounts that i am responsible for have been Greatly affected by this situation including several of my personal accounts in which i pay bills with.According to the Fair Credit Reporting Act it is within my rights to dispute any Incorrect information or derogatory remarks including Late payments.I have tried to settle this matter with several companies because it has greatly affected my family and i during this pandemic.

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 2022-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These companies refuse to remove inquiries that I did not authorize Transunion XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a Fraud Report with my local law enforcement agency and sent the police report via certified mail ( XX/XX/XXXX ) regarding numerous inquiries found on my Equifax report. Equifax refuses to remove the fraudulent inquiries. I also made a phone call to them and spoke with the Fraud Department and they confirmed they received my police report but stated they confirmed the inquiries were " Factual ''. I have received no written communication from Equifax regarding the status of my requests to remove the fraudulent inquiries. The other 2 bureaus have removed the inquiries except Equifax. Equifax can not and will not show proof how they concluded their " factual '' investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am aware of my rights that have been violated by these financial institutions and 3rd pay debt collectors. I want my consumer report and FILE. there is a difference between both. In pursuant to 15 USC 1692C ( C ) Ceast and disist. I am the only true original creditor as well as these companies are portraying to be so, in pursuant to 15 usc 1692g iu want you to provide all that is required and if you can not which I know you can not because in TILA 15 USC 1602 I understand the definition of a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I received a letter from a company called Convergent saying that I owed XXXX XXXX XXXX {$1200.00} back in 1989. I've never heard of this company nor have I done business with them.

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 2022-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc.
State: GA

Complaint narrative:
As a federally protected consumer, I understand that credit is defined as the right granted by a creditor as listed in the definition ( 15USC 1602 ( f ) of the consumer credit protection laws. I also understand that 15 USC 1602 ( g ) of that same subchapter, defines a creditor as a natural person who can regularly extend credit as well as the person from whom the debt arises, therefore I am the creditor who has these rights. 

I was unfairly discriminated against by Carmax who has deceptively listed themselves as the creditor and I am referencing the denial letter as proof. This denial notice constitutes an adverse action ( 15 USC 1691 ( 6 ) ) that was taken against me while I, in good faith, was exercising my right to extend credit for personal, family and household uses. This adverse action also constitutes discriminiation based upon 15 USC 1691a ( 3 ). 

I am aware that Carmax has not only deprived me of my rights under the color of law ( 18 USC 242 ) but also has conspired against my rights ( 18 USC 241 ). 

I am aware that a credit application is not only a financial asset 12 CFR 360.6, but it is also self liquidating paper ( 17 CFR 260.11b-6 ) which means it can be monetized. 
Essentially Carmax has fraudulently profited from the personal information that was submitted in good faith, and is using it to profit financially, which is also the definition of identity theft found in 15 U.S. Code 1681a ( 3 ). 

Carmax was able to gain financially from behaving indecently and with dishonor. These blatant and disrespectful proves some of the many ways Carmax is acting above the law and without respect for the standards, regulations and laws in place to ensure fair and equal treatment of the consumer. This transaction has been incredibly one-sided and I have received nothing in return except disappointment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I read that you have recently completed a lawsuit against XXXX and believe I should be one of the students whose balance should be forgiven under that lawsuit. I graduated from University of XXXX in XXXX with XXXX student loans. I paid off my small XXXX loan fairly quickly. The XXXX Federal Subsidized and Unsubsidized loans were for about {$83000.00} at that time and were with XXXX XXXX. I was counselled to consolidate the loans, which led to them getting BIGGER- they went up to {$87000.00}. I became deathly ill in XX/XX/XXXX and was hospitalized for 6 months. At that time the loan balance was at {$72000.00}, as far as I can tell ( it is hard to get reliable records from XXXX going back that far ). While I was in the hospital my XXXX XXXX XXXX mother contacted the loan company on my behalf and was counselled to put me in forbearance. It took me several years to recover and get back to work, during which time the interest accrued on the loans. When I started full payments again in XXXX the balance was at about {$89000.00} ( I don't have an actual record of what they say I owed at that time ). I am now XXXX years old and trying to retire and I have been paying on this student loan for 22 years. I have paid over {$100000.00} and still owe {$45000.00} in accrued interest. This interest accrued during my illness due to the forbearance. Had my mother been told the results of her decision, we could have come up with a way to continue paying the loan and avoiding all this excess. However, neither my mother nor I had any idea there was any hope of an alternative that could avoid this disaster being piled upon the disaster of all those years of XXXX. Furthermore, through the intervention of my Congressional Representative 's office, I have talked extensively to XXXX who took over the loan in XXXX, trying to XXXX get full records of the loan since its inception, XXXX get a clear explanation of how interest was figured on the loan, since sometimes the interest payments got bigger instead of smaller, and XXXX where {$900.00} worth of payments I had made over a 9 month period in XXXX had gone, as I couldn't find them on the documents Navient finally sent me. After several months I believe it was resolved that the {$900.00} was correctly applied, but questions XXXX and XXXX never got properly answered. 

The bottom line is I have paid off the loan WITH INTEREST and now only owe interest that accrued because of bad advice that my mother received to get a forbearance that led to the loan ballooning while I was ill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Starting XX/XX/XXXX I started getting monthly maintenance fees for 25  dollars against my checking account. Another one showed up XX/XX/XXXX. I have met the requirements for balance minimum according to the terms I originally agreed to. Those terms have not changed and my bank is stealing {$25.00} from my checking account each month. They removed 2 but now another one has shown up on XX/XX/XXXX. So Bank of America feels it appropriate to steal from its clients. I want double my money back just for the inconvenience. They make it near impossible to resolve the issue when calling in forcing you to repeatedly say customer service to get past the bot. They make it hard for me all the while they should be fixing the problem for 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 monetary relief
Consumer complaint received 2022-01-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These companies refuse to remove inquiries that I did not authorize XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Experian business credit XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2022-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC
State: AL

Complaint narrative:
Prestige Financial located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX, phone number XXXX, alleges that XXXX XXXX owes {$23000.00} for an auto loan. Opened XX/XX/XXXX. Prestige falsely alleges a payment from XXXX XXXX from XX/XX/XXXX. XXXX XXXX has never made any payments to Prestige. XXXX XXXX is XXXX, disabled, receiving SSI benefits and has never contracted or paid Prestige Financial any money at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Plaintiffs, XXXX XXXX, files the following action against Respondent ( s ) Equifax Consumer Services, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. 

FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. 


At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ).

All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. 

In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. 

Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. 

WHERFORE, plaintiff requests that the Consumer Financial protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. 

Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit..

Company response to consumer: Closed with explanation