vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
upon checking my credit report i notice a collection agency trying to collect a dept i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXXXXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX  XXXX - hard inquires on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXXk - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX DE - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXXXXXX - hard inquires on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX  XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXXXXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021

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 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
The assumed account was placed on my credit report from consumer adjustment co. The original creditor is XXXX XXXX XXXX XXXX XXXX. It was placed on my report on XX/XX/2021. I have no knowledge of this at all. I've had my identity compromised and had to file police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Rocket Mortgage, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I searched the web to find lenders to assisist in purchasing my home. I immediately get a call from Rocket Mortgage. I explained to them that I did not want a hard inquiry done because I had been improving my credit for the last 3-5 months, and could they just answer some questions. The phone call ended with an understanding that I would need to improve my XXXX XXXX. On XX/XX/XXXX get another call from a different agent from Rocket Mortgage. I explained that I had already discussed what I needed to accomplish with one of his co-workers/agents. I told him it was important for me not to have a hard inquiry done at this time. I even told him I would be very angry if he did a hard inquiry and would not be able to assist me. He continued to convince me into checking my credit report with smooth talk, after I told him repeatedly that I was sure that I would need to increase my credit score and the hard inquiry would hurt me at this time. He continued to convince me after I expressed to him continously and I gave in. Unfortunately, he could not help me and my credit score decreased immediately. I called the company to have it removed, because I felt I was persuaded to fit his needs and not mines after I repeatedly told him a hard inquiry would hurt me tremendously. His XXXX  and cunning tactics has set me back from my accomplishing my goals. I feel this company should remove this hard inquiry from my credit report immediately because he acted deceptively to get my permission to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2022, I consumer XXXX XXXX, I sent NAVY FEDERAL a cease and desist letter demanding NAVY FEDRAL send me an audit trail of this account. NAVY FEDERAL have failed to provide me with the necessary documents to be able to validate this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX I applied on line for a XXXX XXXX credit card which is qualified and furnished through Synchrony Bank. After two weeks of not hearing anything about my application I call Synchrony Bank and they told me I my application was denied. This is unusual since my credit score is XXXX. I was told by their agent on that call that after reviewing my file that nothing he was reading made sense (? ), but he would escalate the problem. Another two week 's go by and nothing. I called again, this time the agent said it was denied and I would get a letter. Now it is XX/XX/XXXX and still nothing, I call again. The agent said the card was denied and kept me on the line until he processed the denial letter and said I would have it in no more than 10 days. It is now XX/XX/XXXX and I have not received the denial letter. It is Synchrony Bank obligation to comply with the FCRA and provide me access to the report that was used in making this decision. If there is derogatory information out there about me, I have a right under the FCRA to be made aware.

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 2022-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Betterment LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I made my first transfer to betterment for {$20000.00}. On XX/XX/XXXX, I made a second transfer for {$1100.00} but betterment pulled it from the wrong account so it was returned. I re-initiated the transfer from the correct account on XX/XX/XXXX. On XX/XX/XXXX I received an email stating " Weve temporarily suspended your account for your protection. '' I immediately sent them an email asking why my account had been suspended. I contacted the " accountsecurity '' email address provided. When I call their account security team and attempt to get a hold of a representative regarding account access it simply says to email them. On XX/XX/XXXX XXXX email accountsecurity again and let them know no one has responded to me yet, and they inform me to call their support line and speak to someone on the investing team. I called and spoke to a support representative on XX/XX/XXXX and I answered some questions regarding my account activity and was under the impression that my access would be restored and that I would hear back by the end of the day. On XX/XX/XXXX after not hearing back I called again, and went through the same process, assured I would hear back by the end of the day. Today, XX/XX/XXXX I called a third time and was told that unfortunately my account has been permanently suspended. There is no manager for me to talk to, no one that I can discuss this issue with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX reached out and offer for {$200.00} after meeting with a financial advisor and opening their bank account through UMB Bank. In XX/XX/2021 I had two phone calls with advisor XXXX XXXX and met that requirement. I then opened the bank account at UMB Bank through XXXX XXXX. Since then I have received {$100.00} but not the advertised {$200.00}. I have contacted support numerous times - I'll attach my correspondence dates. They have said they are " working '' on it. The offered a gift card instead but I would like the {$200.00} promised. It shouldn't take months for them to make good on their offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19 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:
Please help me fix this issue with Experian. I am attaching all documents with descriptions. No third party assistance was needed for this

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 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX XXXX, 2021 I sent the credit bureau a letter concerning inaccurate collection accounts on my credit report that are all reporting inaccurately. They have not conducted a proper investigation into my dispute and they have not corrected or deleted these accounts as the FCRA states. I have also reached out to the collector who furnished this inaccurate information and they too have failed to delete this inaccurate information from my credit report. This is causing me great stress and I want to exercise my right as a consumer and file this complaint because they violated the FCRA.

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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Company hasn't responded to my dispute and has not paid invoice and is currently in default.

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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Since the BBVA to PNC action, I no longer have access to my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: IL

Complaint narrative:
Credit Bureau is unresponsive to my personal information dispute and update request. 

Credit Bureau unresponsive to other dispute request.

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 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Time Investment Corporation
State: NC

Complaint narrative:
time financing services XXXX XXXX XXXX XXXX XXXX Nc XXXX accountXXXX I walked into the business looking to get a loan for less than 1k. The agent looked at my credit and salary and said hey i can get you approved for XXXX. I accepted the loan. I paid on the loan for about a littler over year. I called them because i had some extra funds and wanted to apply it towards the account. They gave me the balance on the account and i still owed ok XXXX. I asked how was that possible when the original loan was only 5. They explained that my payment where only going towards the interest on loan. I am looking to purchase a home and showing my current balance on this loan is over 7k. When I only was loaned XXXX. I want to report this company for have predatory practices and have this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-19 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: Brown’s New Credit Bureau Inc.
State: AZ

Complaint narrative:
i called Browns Collection Agency at XXXX i requested validation of these accounts showing where I received this type of service and they have not yet provided them I disputed these items with the credit bureaus and it has been over 60 days and still no response Browns Collections have threaten me to take me to jail if I don't pay these account all i ask them to do is to verified my accounts i want to know what services were provided i want a copy of the original contract with my wet signature and authorization for them to release my medical information I have an understanding that if they cant verify the debt it has to be removed from my credit report they keep sending threats of reporting these accounts to the credit report agencies acct # XXXX {$3100.00} acct # XXXX {$31000.00} acct # XXXX {$3000.00} balance on credit report shows incorrectly acct # XXXX {$500.00} acct # XXXX {$500.00} acct # XXXX {$720.00} acct # XXXX {$56.00} acct # XXXX {$77.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: FL

Complaint narrative:
after paying XXXX payments of XXXX the minimum amount requested by Green Sky on an interest free loan 24 installment loan. Green Sky decided to amortization the loan 5 days shy of 6 payment date XX/XX/XXXX ; 6 payment due XX/XX/XXXX there for changing the structured by contracted monthly payment amount. Gren Sky requested 6th payment on XX/XX/XXXX I made payment on XX/XX/XXXX. The company choose not to wait for 6th payment but sent out billing on XX/XX/XXXX. The did not put on XXXX bill proper amount paid of XXXX payment. 
Contact Green sky on 3 occasion trying to resolve matter. I was told each time a different story as to why increase XXXX to XXXX. On XX/XX/XXXX i was told by supervisor the account was amortized on XX/XX/XXXX. while on 3 way call with sister and green sky my sister questioned why on XX/XX/XXXX instead of XX/XX/XXXX after 6hth and also why is their amortization on a fixed interest free loan and why is the payment which is a 2 year interest free loan being changed when 24 month of XXXX to a higher amount XXXX which would them cause me to over pay the loan and their response was we would issue a refund after the loan was fully paid. 
Is it legal to amortization of a interest free loan? Is it legal to change to the condition of a loan? Is it legal to amortization after 6 months but before 6 months billing occurs? Is it legal to take advantage of senior citizens?

Company response to consumer: Closed with explanation