vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX the consumer applied for a American Express Platinum Card to Extended Consumer Credit to open a account to make finance charges. American Express took Adverse Action and violated multiple Federal Laws.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that American Express is in violation of 15 U.S. Code 1681m ( a ). Adverse action Does not mention denial of credit. American Express took Adverse against the consumer credit.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that American Express is in violation of 15 U.S. Code 1681a ( 2 ) ( B ). The consumer extended credit to American Express by issuing the consumer credit card [ SSN ]. American express denied credit to the consumer after authorization.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that American Express is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ). American Express did not disclose to the consumer that information will be reported to a third party. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that American Express is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( B ). The consumer was not given the opportunity to opt out before the information was disclosed to a third party.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that American Express is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( C ). The consumer was not given an explanation of how the consumer can exercise the nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: DISCOVER BANK
State: IN

Complaint narrative:
On XX/XX/XXXX, XXXX, through their payer source XXXX charged a deposit of {$2400.00} for a river cruise to my Discover credit card. The cruise did not happen due to the covid crisis. On XX/XX/XXXX, XXXX, through their payer source XXXX refunded {$2700.00} to the same Discover account. I never received the refund to that account because the account had been closed in early XXXX due to a fraudulent charge made on that account. I was issued a new credit card number through Discover. Discover claims they can't see any information involving the initial account. 

I have spent hours on the phone and in on-line chats with a whole host of Discover personnel since XXXX. I have gotten nowhere - Discover denies having received the money and then the last time I spoke with a Discover representative I was told they had returned the money to XXXX but refused to provide any proof of this transaction. XXXX states they have not received the money from Discover. 

I am attaching my letter to Discover on XX/XX/XXXX, the statement with the initial charge, a letter from an XXXX represnetative, and transaction records of both the charge and the refund from XXXX. 

I need help and am hopefully you can assist me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Franklin Collection Service, Inc.
State: IN

Complaint narrative:
This is my second dispute on this {$200.00} disconnected fee I moved to COVID beginning and my life was XXXX XXXX were called I paid my deposit upfront {$100.00} to XXXX then {$55.00} a month but I got robbed and threatened I told XXXX  that Im moving cuz Im forced and COVID I was told to prints out shipping label and I returned it to XXXX that day and they got it all. Then they put a disconnect fee which I was told no customer service i moved police called and Covid they lied to me I won my disputed complaint then they were changing the company name I dont know how they got my ill fathers cell and sisters looking for me then I heard from them and was threatened to pay for a non bill service was disconnected before I moved and now from the old collection its been. Taking off using as I just dud this its against the to call me family and harass but keep putting the {$200.00} fee after making it a 2021 new account and putting it on my credit report 3-6 a week they need punishment and Ive lost jobs and help with loans fton my dad especially Im on XXXX XXXX XXXX then. And now it needs to stop I have XXXX and then private messages threatened me I feel unsafe somehow to XXXX I need to receive damages in mentally and harassed by phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: CBC Companies, Inc.
State: MD

Complaint narrative:
I have noticed these 5 unauthorized inquiries on my report and according to the FCRA these unauthorized items must be removed immediately. For, I am the original creditor and I did not give permission to any of these companies listed below : XX/XX/XXXX XXXX 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 2021-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
transferred XXXX dollars on XXXX via Western Union. After finding out based on lack of employees the transfer would take 5 business days I called back XXXX at XXXX and cancelled. They stated would take 5-7 business days to return to my account. After 9 days I called back as the money had not been returned. Upon that conversation on XX/XX/XXXX they let me know if wasn't cancelled properly on their end. I then asked them to cancel and return money again. This time I asked since they messed it up on their end to expedite process and they said they couldn't. I asked to speak with a supervisor, I held for 20 minutes then they stated they have too high demand and a supervisor would call me back. After 10 days with no call back or response I called back on XX/XX/XXXX at XXXXXXXX XXXX. I asked why my money hasn't been returned even after the 5 days and why a supervisor never called. The person had no response. I then asked to cancel my transfer again and to speak with a supervisor both to expedite the process and to talk through the terrible service. I sat on hold again as they stated they don't have supervisors available could call me back. This is absolutely a disgrace for a financial institution. If you do not have enough employees to service requests do not take the profits when you can't handle the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
i notice a alleged debt from RENT RECOVERY SOLUTIONS, LLC for {$3100.00} that i don't owe nor has any dealing with before.I sent them a letter on XX/XX/2021 requesting the validity of the alleged debt and to remove this negative item from my credit report.it is keeping me from getting a home.i also attach a copy below for my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: CORELOGIC INC
State: MD

Complaint narrative:
I have noticed these 5 unauthorized inquiries on my report and according to the FCRA these unauthorized items must be removed immediately. For, I am the original creditor and I did not give permission to any of these companies listed below : XX/XX/ XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-06-26 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: Credit Plus Inc
State: MD

Complaint narrative:
I have noticed these 5 unauthorized inquiries on my report and according to the FCRA these unauthorized items must be removed immediately. For, I am the original creditor and I did not give permission to any of these companies listed below : XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, CREDIT PLUS XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Penn Credit sent me a collection letter related to a purchase I made on the XXXX website. I called Penn Credit and informed them that the XXXX purchase had been paid and I would be happy to send them proof of same. I sent them proof of payment from my bank account with XXXX XXXX, together with a cover letter requesting that they verify the payment with XXXX. 
After sending the letter, I never heard from Penn Credit for approximately three months until recently I started receiving collection calls from them with no reference to the evidence of payment I sent them. 
They now call on a weekly basis and I now choose not to answer the calls and they do not leave voicemail messages. I interpret this behavior on the part of Penn Credit as harassment and I want them punished for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently received a copy of my Equifax credit report. They are showing an incorrect listing on my credit file. It may belong to someone with a similar name but it does not belong to me. I have had a problem with identity theft before. That is the reason that I placed a freeze on any and all of my personal information from any outlet that I could. I disputed this listing and Equifax did not follow the law. 
1. They did not complete their investigation within the 30 day period allowed by law. You will see this proof with copies of the dated letter I mailed them and the dated response from them. 
2. Equifax blatantly lied about their investigation process and findings when they claimed they verified this listing with the XXXX County Register of Deeds, XXXX County Bankruptcy Court, and with XXXX XXXX. 
XXXX. I have a letter from the XXXX County Bankruptcy XXXX and XXXX of Deeds stating that they in fact have not and do not ever verify public records information with anyone. 
XXXX. I have a copy of a letter from XXXX XXXX showing where my security freeze has been in place well before Equifax claimed to investigate the listing. Therefore, they lied about receiving any information from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XX/XX/2021, i wrote Experian about a inaccurate item that they are reporting that needs to be deleted and it has been a month without any response.i sent XXXX letters on XXXXas well for unauthorized inquiries that i didn't authorized and asking for them to be deleted.

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 2021-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LOBEL FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Please see the previous Complaint ID : XXXX this case needs to be reopened. 

Lobel Finance states they have reached out to the Consumer this is FALSE! 

The Consumers have an open ongoing complaint with the Arizona Attorney General 's office Case # XXXX XXXX and at NO TIME has a resolution been reached or any settlement or agreement. 

Please see the attached letter from Arizona Attorney General 's office in which the case remains open. 

Lobel Fiance in conjunction with XXXX XXXX is clearly doing a bait and switch of overcharging for the final sales price of the vehicle original amount financed of {$8000.00} Lobel is attempting to have Consumers pay the ENTIRE {$12000.00} which would include the {$11000.00} included 35 months. 

Consumers are attempting to pay off the auto loan early in which the contract clearly states " no early payoff penalty ''. This is BAIT AND SWITCH Please see the highlighed attached contract page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
This company customer care is horrible I have never been treated like this before I had previous loans in the past was a good customer and they had to do a bypass because their system was keep saying unable to verify my identity since I have a fraud alert but now when they do it it still says it and they dont know how to fix it its so annoying when Im the past also one loam shows Chargeoff but it was never I paid it I just want this resolved it never should be like this to prequalify their system is horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XXXX XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Experian to ask that they remove accounts ( that are not credit accounts ) that I did not give them permission to report. They have responded with letters saying they have investigated my concern, but what do they have to investigate? The law states ( included below ) that they need my written permission which I have not given. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I have contacted them via phone and regular mail with no remedy. The dates of contact are ; XX/XX/XXXX, via US Mail XX/XX/XXXX, via customer service line XX/XX/XXXX, via US Mail XX/XX/XXXX, US Mail XX/XX/XXXX, US Mail As a result, I am demanding they remove the accounts below. 

Additionally, I am requesting that along with deleting the accounts they submit to payment to me of {$1000.00} per account they have failed to remove over the course of the past year while we have been in communication. 


DEPT OF EDUCATION/XXXX XXXX {$6600.00} DEPT OF EDUCATION/XXXX XXXX {$4200.00} DEPT OF EDUCATION/XXXX XXXX {$8400.00} DEPT OF EDUCATION/XXXX XXXX {$21000.00} DEPT OF EDUCATIONXXXX  XXXX {$21000.00} DEPT OF EDUCATION/XXXX XXXX {$1300.00} DEPT OF EDUCATION/XXXX XXXX {$22000.00} DEPT OF EDUCATION/XXXX XXXX {$20000.00} XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX {$32000.00}

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 2021-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal put my in 180 days limit transfers.Covid in our country and I whant use my money.My name XXXX.Surname XXXX.My email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
I paid the {$99.00} annual fee earlier this year to Alliant Credit Union which should have been valid through XX/XX/2022. With the annual fee, the card was supposed to provide 2.5 % cash back with no restrictions. 

I received an email this week from Alliant stating that they are changing the terms of the card ( they did not provide 45 days notice ). The new terms are : there will no longer be an annual fee, the card will only produce 1.5 % cash back, to receive 2.5 % I would have to open a savings and a checking account and direct deposit monthly and have a daily balance of {$1000.00}. These restrictions were not in the original agreement. These would take effect in the XXXX billing cycle. 

Alliant used to have a similar card that offered XXXX % back with no annual fee. So these new " features '' are a severe downgrade. 

I contacted Alliant and asked if I would be refunded my annual fee since the card will no longer be giving me 2.5 % back and has many additional restrictions to get more than 1.5 %. They refused.

Company response to consumer: Closed with monetary relief