vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 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: NY

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 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 XXXX is reporting addresses I never lived at and are tied to questionable accounts. My address is stated on my government-issued ID. Information other than my personal accurate information is being used to " validate '' these accounts, a violation of my rights. 

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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EGL US, LLC
State: TX

Complaint narrative:
I HAVE CONTACTED BMG MONEY SEVERAL TIMES TO LET THEM THE KNOW ABOUT THE LATE PAYMENT THAT IS REPORTING ON MY ACCOUNT DUE TO A HARDSHIP AND ME BEING IN THE HOSPITAL WITH XXXX XXXX XXXX XXXX. I hav asked several times that the late payment be removed form my credit report this is affecting me Badley at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: PA

Complaint narrative:
I am XXXX and I am a victim of identity theft please remove this fraud inquiry from my credit report. I don't want any security freeze nor fraud alert yet but once I do I will let you all know.

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 2023-01-16 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
In accordance with FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.

604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: Merchants' Credit Guide Company
State: WV

Complaint narrative:
I, XXXX XXXX, have requested a debt verification letter from Merchants Credit Guide ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Phone Number XXXX XXXX XXXX XXXX XXXX, on 3 different occasions. I am told each time of a new issue as to why they can not verify my debt and/or send me this debt verification within 30 days. Each representative says they will request a new debt verification once again. This has been going on for months now. I have asked for this debt to be deleted as it is fraudulent and they can not provide me any verification and the company refuses to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 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: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
Hi, Re : Comenity Bank XXXX XXXX XXXX On XX/XX/2022 I redeemed XXXX rewards points as a direct deposit to my checking account in the amount of {$2600.00}. After waiting the requisite XXXX business days the deposit didn't appear into my savings account. It still hasnt as of today. I contacted the credit card issuer and asked for an explanation. They said they couldnt find the transaction and that I only had a few rewards points in my account. The later part was true since I just redeemed them. They said they were unable to find the transaction even after escalating to the next tier support. In the next several days I received a letter stating it would take 90 days to resolve it and the appears that they were treating it like a charge dispute which this obviously is not. I have contacted my bank and they see no attempt at the transaction being made such as a transaction rejection. The secondary issue is this credit card was transferred from XXXX and XXXX immediately shut off access to their records of all users of this card. 

Best regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16 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: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Credit Collection Services in XXXX XXXX  did NOT proactively represent the outstanding bill of {$15.00} and sent Demand Letter from a debt collection agency. There was no communication from when the original XXXX $ was considered due in XX/XX/XXXX date of service to XX/XX/XXXX when the amount was classified as delinquent and debt collection process started. A lengthy conference call on XX/XX/XXXX did NOT provide any clarification on the missing communication from XX/XX/XXXX through XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX is charging a convenience processing fee to pay online and told me it was a STATE policy - I live in Texas, it is not a state policy or I would have to pay other companies. They didnt send me a notice of this charge and I have been paying them for at least XXXX XXXX now. My daughter is on record with them asking when they sent the notice to their customers and they said they didnt have to notify them and they also told her to check with our state! She told them they were out of state and federal compliance and absolutely had to notify their customers of any additional fees for payment processing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: MN

Complaint narrative:
hard inquires I do not recognize : 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XXXX I opened an account with Citi Bank. I deposited a check in the amount of {$10000.00} into my account. I waited the required 10 days for my check to clear which it did. I was using my card to make gas purchases, pay bills and the such. I made a purchase from XXXX in XXXX of XXXX I believe in which Citi Bank called my phone and asked me was I making a purchase in which I stated to them yes and verified my information. A few days later Citi Bank contacted me and told me that they were closing my account and I ask why In which I was told they had to review my account. I stated to them that if they were closing my account please refund my funds which at that time was {$7600.00}. I was told I would be contacted in XXXX business days. I recieved a letter a month later stated that my accounts were restored but they still had a hold on my funds and the it was closed again in XXXX of XXXX. As of XXXX until now, XXXX of XXXX they have had my funds and send letters occassionally were funds were taken out for different fees but I still didn't have access to my money. I was sent a letter, XXXX of XXXX about my closed account and that now my balance is {$3100.00}. I immediately called Citi Bank at theses numbers XXXX & XXXX and was given no help and the runaround after spending over 3 1/2 hours on the phone with them. They didn't even want to look for my account and kept saying they couldn't find it and send me to another department in which another CSR Rep finds everything in my accounts but my money and then tells me I'm in the wrong department and sent me elsewhere.

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 2023-01-16 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Multiple disputes opened for charge made around XX/XX/22 in the amount of {$210.00} Item never received. Overcharged for item. A large amount of evidence was provided on multiple occasions. Bank is siding with an XXXX artisan in third-world XXXX despite my proof.

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 2023-01-16 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld Systems reopen an account that was previously closed without my consent. And this is not the first time that this company reopened this account. This account was originally closed/charged off on XX/XX/XXXX. Transworld systems reopened this account on XX/XX/XXXX and later reopened the account again on XX/XX/XXXX. I contacted the company and the credit bureaus about a potential error because it is unusual for closed accounts to be reopened. I didnt get a response from neither of them. And this account keep being reopened which is frustrating because I havent received anything from them that verifies that this account is mines. I have asked these companies for the original contact barring my wet signature. I would like to so that contact asap. The account number is XXXX, the account name is TSI .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " XXXX XXXX '' to provide a breakdown of fees including any collection costs and medical charges, Provide a copy of my signature with the provider of service to release my medical information to them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as im 100 % sure it is inaccurate. 

They have failed to provide any of it and I'm requesting you step in to help resolve the issue. I have attached the letter that was sent to them 3 separate times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " United collection '' to provide a breakdown of fees including any collection costs and medical charges, Provide a copy of my signature with the provider of service to release my medical information to them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as im 100 % sure it is inaccurate. 

They have failed to provide any of it and I'm requesting you step in to help resolve the issue. I have attached the letter that was sent to them 3 separate times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On or before XX/XX/2022 numerous unauthorized purchases were made to customers credit card totaling {$3700.00}. Customer and her attorney made numerous calls and have spent endless hours with various representatives of credit card company to no avail. The credit card company refuses to remove the fraudulent charges and is demanding payment. They accuse customer of being the perpetrator of the fraudulent charges.

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 2023-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GOLD STAR MORTGAGE FINANCIAL
State: AZ

Complaint narrative:
I began to purchase a house and applied for a mortgage with a lender I was satisfied with on Monday, XXXX. 

On Wednesday, XXXX, I began receiving text messages from XXXX XXXX falsely claiming I applied to them for a mortgage, and whether I would like to continue the process. 

I had no preexisting business with XXXX, I had never applied to XXXX lending. The agents lies confused me and almost caused me to believe XXXX was the company affiliated with my lender. 

I informed the agent, XXXX, that I did not want to do business with XXXX and would not want to. 

Days later the predatory agent continues to send messages to my phone, disregarding both my initial request to leave me alone and subsequent requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Dividend Finance Inc.
State: IL

Complaint narrative:
I was sold a solar system from XXXX XXXX XXXX XXXX XXXX XXXX of 2021. The company told me I would receive a Government incentive of XXXX this was misrepresented. The company sales person filled out my loan paperwork on a tablet, I was never given paper copies of anything. Or told of my timeline to cancel. The company filed bankruptcy without completing my Solar Installation, and Dividend finance company is still holding me responsible for the loan without me receiving anything in my contract. The loan is set to ballon if I dont give them {$14000.00} the full amount of my estimated Government Solar rebate. This rebate is not a lump sum or automatic, you have to qualify. Had I been informed about this I would not have agreed to get Solar. Had I know that the products being used were faulty, I would not have gotten the loan. I dont understand how I can be responsible for equipment that wasnt installed and services not being provided and they expect the full price of this system which is nearly {$60000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have a Genesis Bank Indigo Mastercard that is holding all my payments as I pay it off frequently for 2 weeks stating this is to verify funds when they are all worldwide verified within 7 business days easily, and if not you can show proof that this payment has cleared your account or have a 3 way call with your bank to verify these funds have cleared. This is an illegal act for holding money and charging more interest on the balance for days that the Card Balance has been paid off. I have contacted them every time I have sent in my full balance payment as to why these funds have not been allowed towards my account. Always getting the same answer by them This is our business policy to hold funds for up to 14 days. Which is by Federal Law illegal to do. I have another Genesis Bank Card by Milestone which it seems they do not use this illegal tactic used by Indigo. This needs to stop or I will file a Civil Class Action Suit against them as this is breaking several Banking and Finance Laws. Please help me correct this by taking action against Indigo Card Services backed by Genesis Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: NJ

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2023-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
This new complaint is in regard to the original complaint # XXXX in reference to XXXX XXXX account number XXXX, to which Midland Credit Management stated that `` A review of our records indicates that the statute of limitations has expired '', and that " Per your request, the above-referenced account has been marked 'Cease and Desist. ' " However, on Monday, XX/XX/2023 I received information from my Human Resources department that Midland Credit Management are still attempting to follow up on the garnishment. Their newest email comes today, requesting to be re-directed to " the concerned team or person. '' The original correspondence is from " XXXX '' and reads : " Hello, I am trying to reach out to Payroll/HR regarding information Related to Legal Process of Wage Garnishment that was recently delivered to your company. 

Please escalate this to the concerned department & have them respond back to me ; I will provide the concerned employees details. 

You can email or call me on the below mentioned Phone number and refer to reference number # XXXX. 


Thanks and Regards, XXXX XXXX XXXX XXXX XXXX XXXX Department Midland Credit Management A wholly owned subsidiary of Phone : XXXX Option # XXXX Fax : XXXX Email : XXXX '' Therefore, MCM is now not only illegally pursuing an old debt, but they are continuing with their litigation process despite assuring me that the account was marked " Cease and Desist. '' They are performing XXXX illegal actions regarding this debt and account.

Company response to consumer: Closed with explanation