vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC
State: GA

Complaint narrative:
My credit report, inaccurately managed by XXXX XXXX, a debt collector, indicated the 1st delinquency in XX/XX/XXXX, which was when the original creditor, Rise Credit, actually charged off the account. The real last payment was in XX/XX/XXXX, a detail I had to unearth from my own records because XXXX and Rise Credit failed to provide this information despite my multiple requests ( more than two ). 

Initially, Rise Credit did not include any information about the first delinquency date l, date of last payment, chargeoff date actual payment amount or really anything that verifies that they legally have taken the debt over when they first reported the account. My disputes, requesting validation were initially met with a response that the information had been validated. Further disputes resulted in an inaccurately reported delinquency date. 

Moreover, XXXX allowed XXXX to exceed the standard 30-day response window for credit disputes without any action until I intervened by calling them. Given these ongoing discrepancies and failures in reporting and responding, I am requesting that this account be deleted from my credit record to correct the errors and accurately reflect my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was dating with a man and he told me he have a problem he gon na do a direct deposit on my account and I refuse and he do it after I receive an email the check was forgery I discuss with him and he put 2 more forgery checks on my account and the bank closed my account I didn't know exactly how deal with that I contact a lawyer in bank he told me the guy scammed my account and he give me what to do now

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently, I did an Investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal Information and old addresses all need to be deleted immediately. 

Following accounts reporting wrong information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( Original Creditor : XXXX XXXX ) XXXX

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 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
XXXX XXXX XXXX, ex wife was court ordered to pay mortgage. Have sent copies of divorce order multiple times to lender to have name removed. House foreclosed on in XXXX and keeps reappearing on my report and being updated. Most recent credit report shows it wont be removed until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc.
State: AZ

Complaint narrative:
The amount provided is not the amount that was provided to me by XXXX XXXX nor the amount listed on my credit profile. I do not know who they tried contacting but it was not me. They have neither sent me anything in writing nor made contact with me by phone, ever.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Check the files to see the account and inquires that werent authorized by me I would like an investigation to be conducted on my report and for all fraudulent accounts & inquires to be removed.

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 2024-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Phoenix Financial Services LLC
State: AL

Complaint narrative:
Company kept calling starting from XXXX XXXX up until this week XXXX. They called and said we owed a medical bill and that we should pay now. Then they wanted a social security number but we did not give it to them. When I asked what the bill was about they said we should know already but I stated I was already paying a bill they then started being rude and threatened that if we did not pay {$4800.00} they would take our property, call the police and threatened to deport us. They just kept asking for the credit/ debit card information. After that altercation we tried to call back to ask what we owed but they would immediately hang up. We figured it was a scam after we got the name of the company by calling from a different number where they tried to get a social again. The name of the company is phoenix financial services. We have blocked the number but want to report so people will not fall for these scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Bank transfer ( XXXX ) {$1500.00} totaling {$3000.00} from my savings account on XX/XX/XXXX without authorization and/or request. Regarding the XXXX account, the bank states this request was set in motion in XXXX. I did set up a ( XXXX ) one-time transfer for {$7000.00} to an IRA but never agreed to ongoing transfers. Now ( XXXX ) years later bank states that this was set up in XXXX. Bank added ongoing transfers after The ( XXXX ) time request made in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On the date of XX/XX/XXXX, I filed a credit report dispute with Equifax concerning a collection entry attributed to XXXX XXXX on my credit report. Within my dispute submission, I furnished concrete legal evidence validating the full payment and settlement of the account in question. This submission substantiated that the collection attempt was not only unlawful in its pursuit of debt recovery, but also posed a detrimental threat to my credit history. Regrettably, the subsequent investigation by the credit reporting agency conspicuously dismissed the irrefutable documentation I presented as evidence. Instead, undue emphasis was placed solely upon a statement offered by the collection agency. This course of action undermines the legal protections outlined in state statutes, which are designed to safeguard consumers against unfair and illicit credit reporting practices. I am deeply concerned by this blatant disregard for the legal rights and protections afforded to me as a consumer. The actions of both the credit reporting agency and the collection agency deviate from the parameters set forth by state law, infringing upon the fundamental principles of equitable and transparent credit reporting. I am appealing to the Consumer Financial Protection Bureau to ensure that my rights are upheld, and that the appropriate corrective measures are taken to rectify this situation. It is my firm belief that through the enforcement of relevant state laws, my case will be given the legal consideration and confidence it rightly deserves

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased a real estate course under the XXXX XXXX company on XX/XX/XXXX. It was a one-year course. Before completing the course, I complained to the FTC that this company was a fraud. Report number XXXX, name of the report is XXXX XXXX my wife. The FTC recommends calling the Chase bank to report that it was a fraud so I did it. I had paid with 2 chase credit cards. The first was for the amount of {$11000.00} ending XXXX and the second was for the amount of {$10000.00} ending XXXX. I called the bank before completing the year of the course several times and they told me that consumer protection was only 118 days. I complained that it was a scam and that it was a XXXXyear course, they did not want to open an investigation case. Then I called again and they opened an investigation case, where I had to present evidence at a bank branch, I went on 2 occasions and I have the emails as evidence that the information was given. One was on XX/XX/XXXX and the second time was on XX/XX/XXXX because the first time they only opened the case for one of the cards and not for both. The answer was the same that it had been more than 118 days. This scam affected many people and several have received money back from Chase. I currently pay part of the money monthly. Today I called again to ask for help because it was difficult for me to pay due to something that is showed that were fraudulent and I did not receive what I paid, which was more than {$29000.00} dollars. The other credit cards were able to resolve this situation, but Chase could not. Today I was asking for a stop on the billing or put it on hold until I receive my part from the FTC. It has been almost XXXX years paying for something that it was confirmed that is a scam in many states. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
I have been subjected to egregious delays in credit reporting, as my student loans were transferred to MOHELA in XX/XX/2023 from my former provider, XXXX. My XXXX credit report has shown, since XX/XX/2023, my student loans under MOHELA ( four total loans ) as well as the same four still being open accounts under XXXX. Effectively, my XXXX credit report shows that I actively owe twice the amount of student loan debt than my balance reported through my MOHELA account. I am seeking that the XXXX accounts be closed as to not provide credit harm should I elect to finance a car or home purchase in the near future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting actXXXX XXXX Account 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.

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 2024-05-01 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: PA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as 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 non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Count was a close due to me being scammed

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have wrote to the XXXX XXXX requesting a call back and assistance and I am getting excuses why they cant pick up a phone and try to assist me. This is the bulk of my complaint the quality of care. I have been a AMEX member since XXXX and the quality of care has gone to XXXX over the last decade I am requesting assistance in helping freezing my account ( turning off my Amex cards ) so I stop getting charged on the cards as I am not interested in providing business to AMEX until they get there act together. I have hope one day they will be like the old Amex they once were which is why I dont want to close the account and only need help freezing my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi, Chase Sapphire preferred send me pre-approved promotional offer of XXXX points after I make purchase of $ XXXX in XXXX. I applied and was approved for credit card on XX/XX/year>, however I haven't received card till XX/XX/year>. They promise card should be reached in XXXXbusiness days, however wait time has exceeded same During this time I can add/use card to digital payments like apply pay, which still limits my spending universe Given promotion time frame is XXXX as I need to spend $ XXXX by XX/XX/year> but I don't have actual card to use. 
With delay, my offer spend time in already XXXX % less than advertised. I am actually told to spend in XXXX to get this offer which is misleading to the advertisement. 

I have contacted customer service but they can not increase time period to actual XXXX from the day I receive card. They are relying on digital payments during this period which is limited to my access

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have a XXXX XXXX XXXX card with card number XXXX associated with my XXXX XXXX XXXX XXXX account # XXXX. By the XXXX, XXXX monthly statement, I have earned total XXXX XXXX XXXX However, the XXXX XXXX XXXX, which is financed by Synchrony Bank, refuses to transfer my earned XXXX miles to my XXXX XXXX account # XXXX. I have been contacted the credit card company by phone calls and by Messages for a number of times and asked them to transfer my earned XXXXXXXX XXXX to my XXXX XXXX account. Upon to today, my XXXX XXXX account # XXXX still shows XXXX XXXX XXXX! As shown by attached my XXXX XXXX account records, XXXX XXXX XXXXSynchrony Bank has never credited my earned XXXX XXXX XXXX to my XXXX XXXX account XXXX

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 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 non-monetary relief
Consumer complaint received 2024-05-01 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.

Complaint narrative:
I ORDERED THIS REPORT BECAUSE I WAS DENIED CREDIT ON THE BASIS OF WRONG INFORMATION THAT EXPERIAN REPORTED TO A CREDITOR. UNFORTUNATELY, I DO NOT REMEMBER THE EXACT DATE THAT I ORDERED THE REPORT BUT I DO KNOW THAT I WAS UNDER THE IMPRESSION IT WOULD BE SECURELY DELIVERED!!!! 

IT WAS NOT!!!!! ALL XXXX PAGES WERE EXPOSED AND GONE THRU.!!!!!! 

WHEN I PICKED IT UP FROM THE POST OFFICE ON XX/XX/24, IT WAS IN A TORN OPEN ENVELOPE. 
TORN WIDE OPEN!!!! ( NOT JUST A CORNER OR PART OF THE FLAP ) AND THEN SECURED IN A POST OFFICE PLASTIC COVER. WHEN I GOT IT HOME THERE WERE FOLDED PAGES AND INDICATIONS IT HAD BEEN VIEWED. 

I TRIED TO CALL THEM, EXPERIAN, IMMEDIATELY BUT COULD NOT GET PAST THEIR XXXX XXXX XXXX. WHICH IS NON RESPONSIVE AND DOES NOT ALLOW FOR LIVE INTERACTION. I SPENT A COUPLE HRS TRYING TO GET THEM ON THE PHONE. 

I PUT A CREDIT FREEZE ON MY ACCT. 
THROUGH THE AUTOMATED SYSTEM. 
I ALSO CALLED THE OTHER XXXX AGENCIES TO ADD A FREEZE. 

EXPERIAN SHOULD BE ACCOUNTABLE FOR ANY COMPROMISED INFORMATION. 
XXXX CALL SHOULD BE ENOUGH. 
AND EXPERIAN SHOULD HAVE HAD TO HELP ME PROTECT MY ACCTS. HELP ME NOTIFY OTHER AGENCIES!!! 

EXPERIAN HAD A FIDUCIARY RESPONSIBILITY TO SECURE MY INFORMATION BEFORE IT WAS DELIVERED TO ME!!!!! THIS IS A BREACH AND I AM SERIOUSLY COMPROMISED BY THEIR CARELESSNESS.

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