vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
I was paying a debt for a medical bill to a company that first bought this debt. When that attorney retired, they sold the debt to another company. When this company renewed the debt it was for an amount of {$5400.00} in XXXX of XXXX. As of today XX/XX/XXXX, they are saying that I owe {$5900.00}. I called them to find out why it went up, and I was told that there was a post judgement interest of {$860.00}. Talking with the court today my amount to pay shouId be around {$4500.00} and I was not suppose to have any interest on this account. They said they record all their calls and I have been told more than once that there is not any interest being added on. Now that they did add on interest they had no reason as to why. I called the courthouse that the original judgement was made and they do not have records back that far in that office as they were not being scanned in at that time. I do have a written dispute that I am sending to the said company about the interest. That is the only way they will do anything. I have paid religiously, never been late or anything like that. I just feel like they are scamming me for more money. This has been going on as I have had to call them numerous times since they bought this debt and say they have recordings of all the calls. I have requested transcripts of those also. I am just afraid they are going to charge me an arm and a leg for that also. Please let me know what I can do as I do not believe this is being handled correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
In XX/XX/XXXX I wrote a Goodwill Request for Removal for late payment reporting for XXXX. The account was closed by Barclays in XXXX. I remitted all balances due despite XXXX, XXXX, and a death of family membet I was told in XXXX it had been investigated, the late payment history reportingwould be removed within 2 business cycles. I called in XXXX and XXXX and informed it was being processed. It never occurred. 

In XX/XX/XXXX I received a denial letter from Barclays This is an absolute disgrace when I was assured verbally three tinws on a recorded line it woyld be completed due to Medical and Goidwill gesture. It is documented Barclays have extended this to others despite their form letter.

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 2023-02-10 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: AL

Complaint narrative:
I have previously disputed with Experian about them verifying a XXXX XXXX  charged off account on my report. I filed a CFPB complaint on XX/XX/23, Claim # XXXX. 

On XX/XX/23, Experian stated that the account information would be fixed, and my case was closed with the CFPB. I just received an updated results message from Experian on XX/XX/23. The results are " the account has been updated 'XXXX XXXX XXXX XXXX account is showing the same inaccurate results as my previous reports. 

Please assist me with this account that's inaccurately reporting on my credit report.

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 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My concern is that An account from the company " XXXX XXXX '' with A late payment status on XX/XX/2022 was previously removed from all 3 credit reporting agencies the next month XX/XX/2022. But as of XX/XX/2022 the Late Payment reappeared on all 3 credit reporting agencies without my consent, without notifying me first, and without explaining why this previously deleted item is reappearing on my credit reports. And they want to keep claiming it's been verified but not tell me how. Futhermore my concern is COMPLIANCE. They have violated COMPLIANCE.

The credit bureaus are operating out of compliance. Due to the fact stated in the Consumer Financial Billing Act. I should be contacted before anything is placed on my credit report that has the potential to adversely affect my report. Also, I'm supposed to be contacted within 5 days before, I repeat before this is placed on my reports, to offer an explanation. In this case I was never called, emailed or received A letter. 

The Deletion changes are all documented within the cfpb database ; CFPB XXXX XXXX Responded XXXX ; " The disputed item is appearing just as you stated it should, on your current XXXX credit report. The account is being reported as never late. A credit report is being mailed to your attention for review and confirmation. '' Unquote. 

CFPB XXXX XXXX Responded XXXX On the credit report it shows, " No Delinquency, No, Never Late and Paid as agreed. ''

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 2023-02-10 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: FL

Complaint narrative:
On XX/XX/2023, I the consumer and natural person was denied credit by American Express when I applied for the Business Credit Card. Adverse Action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1619c and is pursuant to civil liability under 15 USC 1692k. You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by American Express due to the response I recieved. American Express is in violation of 15 US Code 1642, USC 1681m, and 12 CFR 1002 because I the consumer did an application in good faith, yet credit was not issued. Furthermore, because my credit card ( SSN ) was used and I received NO benefit, this is proof of fraudulent activity ( unauhtorized use of credit card ) on behalf of American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: VA

Complaint narrative:
Cmg mortgage sent my XX/XX/2023 payment back, then sent letter stating payment was never paid and they're going to charge me late fees & report to my credit even threatening of foreclosure for non-payment if not paid in 60 days. I sent a certified letter which they received it on XX/XX/2023 they signed for it so therefore my mortgage was never late CMG also tries to increase my mortgage then they sent me a recent letter changing my mortgage again I have a fixed VA loan mortgage therefore my mortgage should be staying the same not changing as CMG has no justification for the change. They also said my home owners insurance is {$2000.00} a yr, but then after a call to XXXX my home owners insurance it's was only around {$1200.00}. Cmg said i have to pay the {$2000.00} before they would fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to dispute fraudulent activity on my consumer account. I am a victim of identity theft, I am a federally protected consumer and I did not provide consent to any of the reporting agencies listed above to list information on my report.

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 2023-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
I have been trying to manage my loans through public service loan forgiveness ( PSLF ). I was transferred to MOHELA after consolidating my loans under the limited waiver. I submitted all paperwork on time and have since been waiting for my counts to be updated. 

With the waiver rules, I should be nearing or past the 120 required payments. However, I have been struggling with the " employment certification forms '' ( ecf ) required to update my payment counts. The first form I submitted ( on time ) took the full 90 business days to process only to marked " duplicate '' when it was not a duplicate form - It had new certified dates. I tried to contact MOHELA about this, but each time I was on hold so long that the call timed out and automatically disconnected me. 

I have since sent in a new form to try and get my counts up, and am hoping it will not just be marked duplicate as well. I am still within the 90 day wait on that form, but again, have not been able to get through to MOHELA through chat or phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I deposited a personal check on XX/XX/2023 inside a Chase Bank branch ATM, several business days ago for $ XXXX. 
I have deposited similarly large amounts prior into my account over the years, and have never defaulted nor overdrafted, nor given Chase any reason to suspect the legitimacy or credibility of my account or its transactions. 
A hold has been placed on the funds until ( Chase estimates ) XX/XX/XXXX, even though the check issuer bank ( XXXX ) has already posted and released the funds. 
None of the funds have been made available so far, in direct violation of the fund scheduling per Regulation CC ( 12 CFR 229 ) the Expedited Funds Availability Act. Not even the cursory {$200.00} that is required within 1-2 business days. 
The bank is unable to specifically state what type of hold is on the deposit, nor do they have a compliance officer available for fund deposit concerns. 
The bank claims I waived my rights from the Expedited Funds Availability Act when I opened my checking account. 
The bank wants me to do their job and setup a conference call between Chase and XXXX to address the issue. I do not work for Chase bank. I should not have to do their job to access my money that they are holding hostage, illegally. I should not have to take unpaid time off work to fight to access my money that they are holding interest-free.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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:
In accordance with the Fair Credit Reporting act 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 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 XXXX XXXX XXXX XXXX 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 a account without my written instructions

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 2023-02-10 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I had some " pay in four plans '' with Affirm. They were " charged off '' and they sent correspondence that the balance may be forwarded to a collection agency. I have set-up a payment to address the balance and did understand that the items may be reported as " collections '' per their letters and correspondence with me. I saw that on my XXXX Credit Report- they have now listed these accounts as " Personal Loans '' and have noted that they are 30, 60 days late etc. causing a significant drop in my credit score. They are misleading consumers with how this data will be reported and marketing these accounts as personal loans to the credit agency and not to the consumer. They also only added these accounts after they became delinquent and did not report any of the positive credit history of payments made on time- only the negative information is being reported to the credit bureaus. I also had several other accounts that were similar by this same company that were paid in full and not reported to the credit bureaus at all and are paid in full. I believe that they are acting in a predatory manner by improperly notifying consumers that these accounts will be listed as personal loans and marked delinquent vs. collection items and they are only putting them on the credit reports in a punitive way and not reporting anything positive with the accounts. I would like these items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been disputing with XXXX, XXXX ad TransUnion since XX/XX/XXXX and have not gotten anywhere with them so this is why I'm here. 

All 3 credit reporting agencies have failed to conduct a re-investigation which is a violation 15 USC 1681i ( a ) ( 1 ) ( a ).

The following accounts have the following violations and need to be removed from the credit report : XXXX XXXX with Account Number XXXX - This account was deleted from XXXX and XXXX is still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) XXXX was notified by XXXX that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how XXXX is reporting this still if this is the case. 

XXXX XXXX with Account Number XXXX This account was deleted from XXXX and XXXX and TransUnion are still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) they were notified by XXXX that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how XXXX and TransUnion are reporting this still if this is the case. 

XXXX with Account XXXX XXXX violated 15 USC 1681s-2 ( b ). They have failed to provide account-level documentation after being contacted by the credit reporting agencies regarding my dispute and violated 15 USC 1681-2 ( a ) ( 5 ). The date of the last activity is incorrect. XXXX is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and TransUnion is XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off.

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 2023-02-10 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: GA

Complaint narrative:
I have been disputing with XXXX, Experian ad XXXX since XX/XX/XXXX and have not gotten anywhere with them so this is why I'm here. 

All 3 credit reporting agencies have failed to conduct a re-investigation which is a violation 15 USC 1681i ( a ) ( 1 ) ( a ).

The following accounts have the following violations and need to be removed from the credit report : XXXX XXXX with Account Number XXXX - This account was deleted from Experian and XXXX is still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) XXXX was notified by Experian that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how XXXX is reporting this still if this is the case. 

XXXX XXXX with Account Number XXXX This account was deleted from XXXX and Experian and XXXX are still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) they were notified by XXXX that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how Experian and XXXX are reporting this still if this is the case. 

XXXX with Account XXXX XXXX violated 15 USC 1681s-2 ( b ). They have failed to provide account-level documentation after being contacted by the credit reporting agencies regarding my dispute and violated 15 USC 1681-2 ( a ) ( 5 ). The date of the last activity is incorrect. XXXX is reporting XX/XX/XXXX while Experian is reporting XX/XX/XXXX and XXXX is XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX I wrote a Goodwill Request for Removal for late payment reporting for XXXX. The account was closed by XXXX in XXXX. I remitted all balances due despite XXXX, XXXX, and a death of family membet I was told in XXXX it had been investigated, the late payment history reportingwould be removed within 2 business cycles. I called in XXXX and XXXX and informed it was being processed. It never occurred. 

In XX/XX/XXXX I received a denial letter from XXXX This is an absolute disgrace when I was assured verbally three tinws on a recorded line it woyld be completed due to Medical and Goidwill gesture. It is documented XXXX have extended this to others despite their form letter.

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 2023-02-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX I wrote a Goodwill Request for Removal for late payment reporting for XXXX. The account was closed by XXXX in XXXX. I remitted all balances due despite XXXX, XXXX, and a death of family membet I was told in XXXX it had been investigated, the late payment history reportingwould be removed within 2 business cycles. I called in XXXX and XXXX and informed it was being processed. It never occurred. 

In XX/XX/XXXX I received a denial letter from XXXX This is an absolute disgrace when I was assured verbally three tinws on a recorded line it woyld be completed due to Medical and Goidwill gesture. It is documented XXXX have extended this to others despite their form letter.

Company response to consumer: Closed with explanation