vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I am writing to formally file a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), Regulation Z, and for failure to arbitrate according to Terms and Conditions agreement provided by AMERICAN EXPRESS. 

Description of the Error : Failure to Arbitrate, Acceleration of Debt, Breach of Contract AMERICAN EXPRESS, failed to follow The Claims Resolution and Billing Error resolutions included in the terms and conditions received resulting in subsequent U.S.C and 12 CFR Regulation Z violations. 

American Express Representative Third Party Contracted Representative, XXXX XXXX : XXXX XXXX, Terminated US Federal Judge for the XXXX XXXX, Illinois XXXX, engaged in misconduct during her management of the complaint filed against American Express Company on XX/XX/2023. This misconduct included untimely response, acceleration of debt, intentional failure to arbitrate, and breach of agreement. 

Specifically : XXXX ignored written notices sent to her on XX/XX/2023, regarding violations of Regulation Z,12 CFR 1026.13, which occurred after the initiation of the arbitration and failed to follow up on her own requests.XXXX XXXX failed to ensure compliance with relevant federal regulations designed to protect consumers and ensure fair lending practices in violation of 16 CFR 433.2. This conduct raises serious ethical concerns and warrants further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the rights 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 explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Zions Debt Holdings
State: GA

Complaint narrative:
{$7800.00} XXXXXXXX XXXX XXXX - Disputed Information and they did not remove from my credit report ZionDebtHol # XXXX - Account Number XXXX - Disputed information and it was not removed from my Credit Report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is a fraudulent account for a timeshare company XXXX XXXX XXXX XXXX ) listed on my credit report. I know the account is fraudulent because I am a victim of identity theft. A police report was filed, a report with the FTC and I have sent separate certified letters to both the company XXXX XXXX XXXX in XXXX ) and the Credit Bureaus ( Equifax and XXXX ) disputing this account. I asked for validation of this account and a signed contractual affidavit showing that this was indeed my account. I received documentation from the credit bureau as the item being updated but nothing showing a signed contract. I have yet to receive any documentation from the company ( XXXX XXXX ) regarding this account. This account is currently listed on my credit reports as a negative item with a balance of {$9000.00}. I have never had an account with ( XXXX XXXX XXXX ) and do not even own a timeshare. I have never utilized any services related to this company. The company claims to have no record of my disputes but clearly I've even filed past grievances with the CFPB regarding this same issue. The misrepresentation of this negative account is egregious. I have provided identification proof showing the different name variation and address utilized when this account was opened. The information was not mine. The data furnisher also have yet to provide any type of proof regarding this account. I keep getting the same run around answer with the credit bureaus and the original creditor. I WANT THE PROOF! I don't want your updated status without proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a credit card from Bank of America. On XX/XX/XXXX there were multiple transactions happened in XXXX XXXX, CA location. Total transaction amount is {$270.00}. I reached out to Bank of America and they promptly reverted the amount and credit the amount back to my account. They started with investigation and found that the card is used physically but I never visited those places and I am in a different place at that time. But Bank of America is claiming that they checked with merchant and a physical signed was done during merchandising. Now Bank of America charged back to my card and I have paid to avoid any late payments. Please help me to resolve this issue.

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 monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Credit Card XXXX XXXX XXXX XXXX NC XXXX XXXX 30 day late for month of XX/XX/2023. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was trying to buy a house and I realized I had damages to my credit report. There were several inquiries that was not authorized by me. 

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 that appears on my Transunion report XXXX XX/XX/2023.

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 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am writing to express my deep concern and frustration regarding an ongoing issue related to fraudulent activities on my Wells Fargo account, as well as the bank 's alleged violation of Regulation E. 

I initially reported the fraudulent activities in XXXX and assumed the matter had been appropriately addressed. Unfortunately, I recently discovered, while reviewing my tax records, that the issue persists due to what appears to be a series of oversights and errors in handling the fraud reports. 

Despite my repeated attempts to rectify the situation by filing additional reports in XXXX, it has come to my attention that these subsequent filings were mishandled as well. The matter has now been escalated to the executive office, where I find myself in a disconcerting situation, with the bank attempting to hold me liable for the fraudulent charges. 

The explanation provided by Wells Fargo 's fraud team, suggesting that my continued payment of credit card bills implies my awareness of the situation, is not only inaccurate but also unfair. I made those payments under the assumption that the bank had taken appropriate action to address the fraud, as any customer would expect. Furthermore, if I did not make these payments that are required by law Wells Fargo would have reported a delinquent account and immensely hurt my credit. 

The fraudulent charges include expenses for a dentist, lawyer, and various other items, totaling over {$10000.00}. I want to emphasize that I have not visited a dentist in the United States other than my longstanding dentist in XXXX, who has been my sole dental care provider throughout my life. 

This incident raises serious concerns about Wells Fargo 's commitment to honesty, professionalism, and adherence to federal regulations, especially concerning the mishandling of Regulation E. As a disabled person, the situation is particularly distressing, and I believe it is imperative that this matter be promptly and thoroughly investigated and resolved. 

I kindly request your immediate attention to this issue, aiming for a fair and just resolution in compliance with regulatory standards. I trust that Wells Fargo will address this matter with the urgency and seriousness it warrants. 

Thank you for your prompt attention to this matter.

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 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I keep getting repeated calls from a company called XXXX XXXX XXXX stating that I owe {$3900.00} on a HSBC platinum credit card which I do not have a credit card and the last time I had one was 15 years ago. I have pulled my credit report and there is nowhere on my report having this credit card or this debt. Im am being threatened that if I dont solve this issue I will have a judgement. In the past 2 years I have had my identity stolen so I dont know if someone once again stole my identity and opened a credit card in my name. But like I said I dont have any credit cards on my credit report showing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Can not acsess my free credit reports online numerous times and i can not get them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Under the cares act that was signed XX/XX/2020 discount was not supposed to report late payments though it did to my credit report bureau I am requesting removal of late payment history due to the cares act that was signed in XX/XX/2020 there is an error in 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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Under the cares act that was signed XX/XX/2020 discount was not supposed to report late payments though it did to my credit report bureau I am requesting removal of late payment history due to the cares act that was signed in XX/XX/2020 there is an error in 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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit report and noticed accounts that I did NOT authorize in my credit report and its preventing me from receiving new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I receive at least 2 calls a day with voicemail. This has been ongoing for the past 3 plus months that I can recall. I called back to request to be taken off the call list and the agen was rude and dropped the call.

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 2023-12-22 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: Nelnet, Inc.
State: CO

Complaint narrative:
Subject : Formal Complaint Against Nelnet for Refusal of Tender Following Receipt of 1099C Dear CFPB, I am writing to file a formal complaint against Nelnet regarding their refusal of tender following the receipt of a 1099C for the cancellation of debt. The events leading to this complaint are outlined below : 1. XXXXXXXXTimeline of Events : XXXX XXXX XXXXXXXX  XXXX XXXX  I received a 1099C for the cancellation of debt. 
XXXX XXXX XXXX XXXX I forwarded a copy of the 1099C ( Copy B ) to Nelnet as proof of the cancellation of debt. 
XXXX XXXXXXXX XXXX XXXX  Nelnet sent a written refusal of the tender. 

2. XXXXLegal Basis : XXXX The refusal of tender by Nelnet falls under U.C.C-3 3-603. According to this statute : - Subsection ( b ) states that if tender of payment is made to a person entitled to enforce the instrument and is refused, there is the discharge of the obligation, to the extent of the amount of the tender, for indorsers or accommodation parties.

- This refusal invokes the discharge of obligations under the principles of law applicable to the tender of payment under a simple contract ( U.C.C-3 3-603 ( a ) ). 

3. XXXXRequested Remedies XXXX XXXX XXXX Immediate discharge of the sum total listed on the 1099C attached.

- Alternatively, compensatory damages of {$1000.00} for every day Nelnet continues to be delinquent in acknowledging the discharge. 

4. XXXXDocumentation XXXX XXXX Enclosed with this complaint, please find : - A copy of the 1099C ( Copy B ) received on XXXX 
- Evidence of the tender of payment on XXXX 
- Written refusal of tender received on XXXX 

5. XXXXConclusion : XXXX The actions of Nelnet are in violation of U.C.C-3 3-603, and I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly.

I appreciate your attention to this complaint and look forward to a resolution that ensures compliance with applicable laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
On XX/XX/23 I XXXX XXXX applied for an American Express platinum card using my social security number which is a trust account. Upon submitting my application I received a denial which I am disputing a trusting reconsideration in the following grounds. Per the indenture agreement, XXXX, and XXXX forms filed with the SEC the consumers application is a promissory note and used as security collateral and deposited for the issuance of new securities and funds. The application is a promissory note thus there is actual cash value exchanged for the services of a credit card via American Express. Regardless of the reason for the denial ( based on company policy and not Consumer Laws ) I have a right to credit. Withholding my access to my securities is securities fraud. You are violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act. Since you are denying me access to my credit, please retract my application.

Company response to consumer: Closed with explanation