vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
On XX/XX/2022 OneMain Financial baited me into applying for a personal loan under the guise that the loan would be unsecured by telling me I was preapproved for XXXX separate unsecured loans. After I submitted my application they they switched the terms of the loan by changing it from an unsecured loan to a secured loan. They are now asking me to put up collateral even though they baited me into applying to an unsecured loan. 

This is illegal, loan companies CAN NOT bait consumers into applying for loans and then switch the terms of the loan once the consumer takes the bait. I am demanding this company delete the hard inquiry they just put on my credit reports. I did not authorize them to pull my credit for the secured loan. Failure to delete the hard inquiry from my credit report for a loan I never intended to apply for will result in me taking legal action against this company for their illegal bait and switch practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

FTC REPORT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2022-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One keeps asking me for information. I have already furnished that information many times. Its just a way for them to blame me when they close the case. They closed my last complaint with the attached letter. How can they be compelled to actually address the dispute?? 

Recently, someone named XXXX at telephone XXXX ext XXXX called me. In her message, she mispronounced my name badly, twice. She asked me to call her back, which I did. I included the dates and times that would be convenient for me to have XXXX call me back. But Im still waiting for that phone call. She never called me back. Instead, Capital One posted the attached letter, completely abdicating their own responsibility to resolve my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
I've been calling Loan Depot on behalf of my aunt ( I am authorized on the account ). They offered her a loan modification for {$660.00}, due to her falling behind in her payments. Every time I call they have the wrong payment amount in the system and say they will get it corrected. The last time I called, they said the payment is increased yet again. 


-Called XX/XX/XXXX and they had wrong payment in computer for {$690.00}. Representative said that they could not accept the payment for {$660.00} due to the computer saying {$690.00}. She said that they will update the amount and I could call back to make the payment. Spoke with XXXX XXXX employee ID XXXX ). 
-Called again on XXXX, and the payment amount was still incorrect in their computer. Spoke with XXXX who said she would escalate the matter to correct the charge. She said it should be changed in a week and they would call to update me. I confirmed that they had my number. I did not receive a call back from them. 
-Called on XX/XX/XXXX, spoke to XXXX XXXX XXXX employee ID XXXX ) and she said that the payment still did not say {$660.00} and it actually would be {$700.00} starting XXXX, and continuing for XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
Hi I applied for credit and the company Acima declined my application the email stated unable to verify my identity!! How can I clear this up?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: GA

Complaint narrative:
There is a company called AWA Collections. They have been continuing to harass me in regards to a bill that I do not owe from XXXX XXXX. When I went to XXXX XXXX  I had insurance and I also had XXXX XXXX to pay for anything that my plan did not cover fully. I contacted them and asked them to validate which they did not. They continue to make these false reports on my coedit report and I want them to remove it immediately. That is not the worst part. The harassment is one thing, and not validating the debt in another thing but the thing that most concerns me is the fact that they are charging me interest on the debt on a monthly basis. Every month I get a notice from XXXX XXXX saying the balance on the account has gone up. There is no way possible I owe XXXX XXXX anything and they way they keep increasing the amount of this so called debt on a monthly basis is unlawful and so is not validation the debt and making false reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Over a span of two months. We were slandered, discriminated and verbally assaulted about a {$200000.00} loan we received. The money was frozen which in turned caused us to become in debt with bills and finances. We were not allowed to access our money until one person said so. We would not take our calls nor speak with us. Credit cards and car payments went unpaid and my credit score and my fathers dropped drastically. We have never been provided with any form of apologies or reasons behind the freeze. We are seeking financial assistance in the settlement as well. Do to the neglect that was displayed by staff members that we trusted with our savings.

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 2022-12-26 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: WI

Complaint narrative:
on XXXX I contacted experian to update my employment information on my credit report. 

I started a job on XXXX at XXXX XXXX in XXXX wi and experian will not update my info in my personal info

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 2022-12-26 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: TX

Complaint narrative:
I have a credit card with XXXX XXXX XXXX  They always report to the credit bureaus on the XXXX of every month. on XX/XX/XXXX Experian showed that I had an increase in credit usage of 63 %, this is correct and true, and on XX/XX/2011 points were deducted from my report. This is when I had a problem, less than two weeks later Experian takes it upon themselves to check my usage again with XXXX XXXX XXXX my credit card reports only once a month, so I know they did not report again. On XX/XX/XXXX Experian drops my report XXXX more points stating I'm now at 93 % usage, again first premier did not report this! I received my statement for the month of XXXX, paid off the total amount of {$270.00}. The next month my total was {$0.00}, and Experian increased the report by XXXX points. they deducted a total of XXXX points for high usage then when I paid the full amount, they only returned XXXX points! I reached out to them by phone and by email. the email they never bothered to respond to and when I called, they had no valid explanation for why they did what they did. I believe it is retaliation for filing an FTC Report against them previously

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 2022-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I had renters insurance with XXXX XXXX. I moved from the apartment XXXX and cancelled my insurance. I requested it to be moved to my new address. I became aware that they never changed my address and continued to cover my old address. The building actually had an explosion shorty after I moved out and was evacuated. XXXX XXXXl is demanding that I still pay for insurance for on this apartment after vacating. I have sent them copies of my terminated lease and the phone number and email of apartment XXXX as well as copy of the lease of new apartment moved into XX/XX/. I understand that they may have been short of help during COVID and made a mistake but they are not being reasonable. I have great credit and have always paid them and other bills on time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681- XXXX XXXX XXXX Account XXXX ... XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account XXXX ALL LISTED COLLECTIONS HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of Information Another adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. [ 15 U.S.C. 1681 ] [ 15 U.S.C. 1681 ] ( ALSO ) ) ) ) ) EXPERIAN DOES NOT HAVE CORRECT INFORMATION REPORTED AS ( ALSO XXXX HAVE ONE ) THEY ARE THE BUREAUS OUT OF ALL OF ALL THREE BUREAUS ON MY CREDIT REPORT TO HAVE INCORECT REPORTING/FRAUD/IDENTITY THEFT. [ 15 U.S.C. 1681 ]

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 2022-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
XX/XX/2022, I submitted my loan modification application to The Money Source via their web portal. On page 7 of the application there is a question, which ask the customer preferred contact method. I checked the box for email, since my cell phone was about to be disconnected. Later that night, I received a confirmation email at XXXX XXXX, which stated " Thank you for contacting Loss Mitigation, where our customers happiness is our top priority! Please accept this confirmation that your email has been received. We will work diligently to review and respond to your request within 1 business day. '' I had not received an email regarding the status of my application, in over a month. I assumed they were processing my request. 

XX/XX/2022, I received a letter from The Money Source dated XX/XX/2022 which stated they requested more documentation and that they had to receive it by XX/XX/2022 or my loss mitigation application would be closed and they would start foreclosure process/proceedings. 

XX/XX/2022 I called The Money Source customer service department and one of the agents advised me what was needed and that I had to date and sign my letter of explanation, and she stressed to me make sure you receive proof of confirmation which I did as stated in the email response I received that same day at XXXX. She also stated that I should hear something back from someone name XXXX XXXX the person working on my modification, I assume ) in 5 days. 

The following week I received numerous letters from The Money Source one of which was another application for Loss Mitigation. 

XX/XX/2022 I resubmitted my original application, letter of explanation ( I submitted to them on XX/XX/2022 ) and updated financial information to The Money Source via email ( I also included a statement in the body of my email ) in a series of 5 emails. 

XX/XX/2022, following up on my call to XXXX I checked my email and the document portal on The Money Source website. I did not see an email or any correspondence from XXXX advising me on the status of my loan modification. 

I am concerned with the lack of timely response from The Money Source. I have no confidence that they are acting in good faith to assist me in preventing my home from going into foreclosure. I have been diligent in my attempts to provide The Money Source with the reqeusted information they've ask of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: WI

Complaint narrative:
on XXXX I contacted XXXX to update my employment information on my credit report. 

I started a job on XXXX at gXXXX XXXX in XXXX XXXX  and XXXX will not update my info in my personal info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a credit with Chase XXXX XXXXs for {$530.00}. 
On XX/XX/2022 I used the credit to purchase a ticket through Chase XXXX XXXX 
The Ticket cost was the same {$530.00}. 
Despite this Chase charged my credit card {$150.00}. 
i messaged Chase and the referred me to the Chase XXXX XXXX  telephone number. I was stuck in a loop of representatives, where no onw could explain the charge or remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My father passed away on XX/XX/2022. I informed Citi of his passing by telephone on XX/XX/2022. Citi alleged they would contact me for further steps, but never did. I contacted Citi again and they requested a fax including a death certificate, living trust documents, and a letter of intent. I faxed all of the above to Citi on XX/XX/2022 and confirmed receipt on my end. I called the next day and confirmed they had received it. The letter of intent included instructions to close all accounts, including a checking account and a savings account. 

Citi sent me a letter on XX/XX/2022 alleging that they had " frozen '' my father 's checking account. On XX/XX/2022 Citi processed a withdrawal to a third party from the checking account despite their allegation that the account was closed. This amount was {$240.00}. 

On XX/XX/2022 Citi charged a {$4.00} service fee to my father 's savings account. 

It as now been a month since my father has died. Citi has not contacted me once to indicate they have taken any action. I have only received a form letter with a false statement that my father 's checking account was frozen. Citi is continuing to charge fees and process transactions for both his checking account and his savings account in violation of 4 CFR 4.405.

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 2022-12-26 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( XXXX ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation