vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
AmSher Collection Services has reported a collection account to my credit profile. They are reporting that I lived at XXXX XXXX XXXX XXXX, NC and have a delinquent account with XXXX XXXX for {$70.00}. My correct address is XXXX XXXX XXXX XXXX, NC. I have provided AmSher with a copy of my lease agreement and a statement from XXXX XXXX for my correct account that both prove my correct address. I have requested multiple disputes with AmSher but they refuse to delete the erroneous account. Most recently, I sent a request for account validation which was ignored by their company. Instead of responding to my request, I received instructions to claim identity theft. Their request for me to claim identity theft would be both immoral and fraudulent and I refuse to complete the documents they requested. I am not a victim of identity theft, I am a victim of a debt collection agency refusing to correct inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent numerous of letters with questionable accounts on my credit report and have not received a response in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX are not following the guidelines of the FDCPA asked to remove account several times and still reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2021, I purchased two airline tickets through XXXX XXXX XXXX US website with a combined cost totaling {$1100.00} after being enticed by an AmEx offer stating that such a purchase would result in a {$200.00} rebate. In fact, AmEx sent me an email immediately following the purchase indicating that I had used the AmEx offer. For whatever reason, AmEx claims that I either purchased the tickets over the phone or directly through XXXX XXXX. This is completely false, as I have never purchased tickets from XXXX XXXX except through the internet, no matter how their system may have coded the transaction. It is not my fault that their systems do not correctly code transaction data. I believe AmEx 's action to be deceptive, resulting in {$200.00} in financial harm to myself. After having to reach out multiple times, I was offered {$50.00} to settle the matter, which is insulting. I want other consumers to know that, not only does AmEx no longer stand for top level customer service, but AmEx is now actively deceiving customers into spending money with fulfilling their end of the bargain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America reported that I had two late payments 30 days late. One one in XX/XX/XXXX, one in XX/XX/XXXX. These were not late and I feel they were reported incorrectly. I tried to contact them and discuss this. I wrote letters and I never received and return correspondence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TX

Complaint narrative:
I have sent numerous of letters stating facts of accounts on my credit report that are reporting incorrectly or cant be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of Identity Theft. I did not make a Credit purchased from them which appears on my credit report. The fraud was opened on XX/XX/2017 with a balance of {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I have a disagreement with the practice Santander USA has manage this loan account from XXXX  to XXXX. 

The original lender of this account was XXXX XXXX XX/XX/XXXX 

XXXX XXXX XX/XX/XXXX gave it to XXXX XXXX, XXXX XXXX gave it to Santander USA in XXXX. 

Santander USA claims it was manage my loan account since XXXX, which is false, they know it, I know it. 


I calculated {$550.00} a month x 10 years which equal to {$66000.00} I pay on this loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
debt bought by a 3rd party seller and have been calling my phone non-stop all times of the day from different numbers trying to collect on a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I just uncovered that my mortgage company Carrington Mortgage, LLC has taken advantage of my disability and ability to financially understand the documents for my re-modification during my hardship. It looks like they have deferred the same full amount of my principal balance of my loan. So no I Carrington double the value of home is worth. My outstanding loan is higher then the worth of the home. No did not take out a second mortgage. I can not an answer from anyone other than I signed the documents in 2019 when I modified. I feel they took advantage of me as well as those companies I tried to seek professional help, paid money and never fully followed through the modification. My disability has hindered my life a great deal in managing important things not to mention being a single parent of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2021-09-21 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: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Fraudulent account openend at a address i never resided. 

Wells Fargo allow someone to open account and utilize account without my authorization. 

I did not live at the address nor have i ever resided at this address in which this account was openend.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent out a dispute letter in regards to my credit report and never heard back from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent out a dispute letter in regards to my credit report and never heard back from the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent numerous of letters with questionable accounts on my credit report and have not received a response in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent numerous of letters with questionable accounts on my credit report and have not received a response in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TX

Complaint narrative:
I have sent numerous of letters stating facts of accounts on my credit report that are reporting incorrectly or cant be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TX

Complaint narrative:
I have sent numerous of letters stating facts of accounts on my credit report that are reporting incorrectly or cant be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I have received three letters threatening arrest for a traffic ticket 17 years ago that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TX

Complaint narrative:
I have been sending this company letter after letter for a year already for them to verify the information they have on file. After a whole year they have failed to update that information and have wasted my time. 

On the Accounts of XXXX XXXX XXXX and XX/XX/XXXXXXXX, Equifax has failed to provide the " Credit Limit ''. This is so unfair to me as a consumer as I'm trying to get my life together how are lenders suppose to get the correct debt to income ratio. 

I have all the letters and dates I have sent. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX XXXX, 2021, I refinanced my home mortgage from SunTrust/ Truist XXXX XX/XX/XXXXXXXX XXXX XXXX As a result, I had an Escrow balance of {$13000.00} with SunTrust that should be refunded to me. I contacted SunTrust on 3 occasions when I did not receive the refund via a check in The US Mail. Per SunTrust Mortgage the checked was mailed on XX/XX/XXXX. However, as of XX/XX/XXXX the check has not been received. I requested that SunTrust reissue a new check but send either overnight with signature delivery or transfer electronically via my SunTrust checking account. I was advised by SunTrust that no additional action would be taken until after XX/XX/XXXX. This unacceptable, this my money and want it right away. I am asking that my Escrow refund be sent to me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. 

LVNV FUNDING / XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
You received a response from Experian..notified today..they need more time. They now are reporting an inquiry that stays on my report!!XX/XX/XXXX it says I applied there or with many banks..I did not!!! The number they listed is a nonworking number!!!! Again they are WRONG WRONG WRONG!!! THERE IS NO END TO THE NIGHTMARE!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax are not following the guidelines of the FDCPA when it comes to investigating has been over 30 days since disputed several times remove or update payment on account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
n XXXX I purchased a TV through Costco.com in the amount of {$180.00} ( {$160.00} plus taxes ). My credit card was incorrectly charged twice for the purchase of the TV. I disputed the charge and performed a charge back because I was incorrectly billed. On XX/XX/21, I attempted to place an order on Costco.com that Costco cancelled. On XX/XX/21 I called Costco and was told the order was canceled because I placed a charge back request for the TV in XXXX. I explained I was billed twice and did request a charge back. Customer service then stated the charge back was for a rug not the TV. I did place an order for a run in the amount of {$240.00} ( plus taxes ). I explained the rug was {$250.00} and not for the amount of the charge back. Customer service then stated I used a coupon, which I did not. On XX/XX/21 I received a letter in the mail from Costco dated XX/XX/21 stating I requested a charge back for an air purifier and that they were sending me to collections if I did not pay the {$180.00}. The air purifier I purchased from them was ordered on a different date/order and cost {$290.00} ( plus taxes ) not the {$180.00}. Again I did not request a charge back for either a rug nor the air purifier, just the {$180.00} for the duplicate billing of the TV I purchased. Costco 's explanation is ridiculous because both items they claim I requested a charge back for were both over the {$200.00} ( {$240.00} and {$290.00} ) which is obviously more than the {$180.00}. There is no way that I will pay for the TV twice and I shouldn't be sent to clooections for Costco 's mistake.

In addition, I received no correspondence from Costco regarding the charge back until I attempted to place another online order.

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have a personal loan. I open the account in XX/XX/2019. For some reason this account only reports to XXXX. It is missing from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D&A Services, LLC
State: CA

Complaint narrative:
I received a letter from D & A Services , LLC for a debt that is not mine. The amount of {$2800.00} from the original creditor XXXX XXXX XXXX XXXX and current creditor XXXX XXXX XXXX XXXX XXXX, XXXX are banks I have never worked with or received loans from. 

The D & A account number is # XXXX and the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. Either they have the wrong person or someone else used my information.

Company response to consumer: Closed with explanation