vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I finally got the information as to why I have a charge from the company Commonwealth Finance XXXX XXXX XXXX XXXX PA XXXX that is just now being placed on my credit report from back in XXXX it's XXXX over 5 years old now from a XXXX XXXX emergency physicians office they stated to me it has to do with my daughter I'm XXXX I have Medicare Medicaid I'm fully covered as well as my daughter information at the time if she even saw them at that time was given to them however I'm assuming they didn't file for the payment until XX/XX/XXXX in which over 5 years ago I'm guessing Medicare Medicaid doesn't go back 5 years for medical billing issues she still is fully covered so I'm not understanding why they didn't file at 5 years ago why they didn't try to file it in a timely manner which is not my fault at all however it would appear that they're still trying to get me to pay for services that was covered by a medical insurance that she still has and that I still have it sounds like a their problem however they're now just now attaching it to my credit report and has put my credit in the toilet because of their incompetence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have been banking with chime for over a year and this was my first time having to file a dispute. I filed a dispute for a total of five transactions : 4 were from a subscription company called XXXX XXXX that I have NEVER signed up for or authorized and another was from a bar I did not visit. I informed chime the charges were not made by me and that I had lost my card. They subsequently filed the dispute and issued me a new debit card. 7 days later I receive a notice that my dispute was denied because no error occurred. I would like to know how chime came to this conclusion and what jurisdiction they have to tell customers unauthorized charges are legitimate. They do not protect their customers or their funds. I also suspect they do not investigate claims at all and simply deny requests and pocket funds. I would like this claim reopened and my money returned to me for these disputed charges or I will be pursuing further legal action again chime as well as closing my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I purchased a XXXX XXXX from wellsfargo lender at first everything went smoothly the. About 4 months into my loan then the amounts kept changing, other misc fees were being added to account. Reached out to the company and they said it takes time to get finalized numbers and amounts and so rates/prices will change. 
I told them Ive had other auto loans previously and never experienced this type of issue before. I Continued to make payments until my account kept changing fees and pricing! The company wasnt interested in settling anything or fixing nothing.

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 2023-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Extra fees no supposed to have been charge and $ XXXX more than expected

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 2023-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-26 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: NV

Complaint narrative:
Dear CFPB, I am a natural person and a living human being with rights protected under 15 USC 1681. I am filing a formal complaint regarding my credit report, as I believe that the consumer reporting agencies are violating my rights and the Fair Credit Reporting Act. Specifically, I demand the immediate deletion of the following accounts, which were furnished to the consumer reporting agencies without my permission : XXXX XXXX XXXX XXXX - XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies have violated my rights several times, which is prohibited under 15 USC 1681.

I want to draw your attention to the following sections of the Fair Credit Reporting Act that support my complaint : 15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : States that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Furthermore, I did not authorize the following companies to pull or look at my credit, and I believe these inquiries to be fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Used XXXX XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, Used 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 VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Non-specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: AL

Complaint narrative:
I have contacted each Bureau by telephone and thru Certified mail to assist in the accurate reporting of data on my credit file. There's an account being reported on my credit file of a Past Due balance in the amount of {$15000.00} owed to XXXX XXXX which, is a charged off account. I asked countless times for them to correct the error in reporting the past due balance but, in response to my phone call i only got an updated report with the same information reporting on my credit file and with a note saying, '' Consumer disagrees with dispute resolution ''. 
I also pointed out how each bureau was showing a different active date for this account after the account was supposed to be verified as accurate.I humbly told them that they should be reporting accurate and verified information on my file and anything else would be a violation of the Fair Credit Reporting Act However, they continue to furnish this information.

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 2023-03-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have contacted each Bureau by telephone and thru Certified mail to assist in the accurate reporting of data on my credit file. There's an account being reported on my credit file of a Past Due balance in the amount of {$15000.00} owed to XXXX XXXX which, is a charged off account. I asked countless times for them to correct the error in reporting the past due balance but, in response to my phone call i only got an updated report with the same information reporting on my credit file and with a note saying, '' Consumer disagrees with dispute resolution ''. 
I also pointed out how each bureau was showing a different active date for this account after the account was supposed to be verified as accurate.I humbly told them that they should be reporting accurate and verified information on my file and anything else would be a violation of the Fair Credit Reporting Act However, they continue to furnish this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Constantly being charged overdraft fees that don't apply because I have a deposit coming in the same day however they won't reverse the overdraft fees.

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 2023-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I executed a balance transfer with XXXX XXXX XXXX XXXX XX/XX/2023. Although New York and Company declined to accept an electronic check, XXXX XXXX promptly sent a paper check. I checked two weeks later and found that the payment was not posted and it was due. I cleared my balance in full on XX/XX/2023 to avoid interest charges, as I do with all cards. However, to my surprise, on XX/XX/XXXX XXXX Bank sent me a letter indicating that the check had been sent to NY and Co over 30 days ago and because it was uncashed, they put a stop payment on the check. On the 33rd day, NY and Co attempted to cash the check, which unfortunately bounced. Despite maintaining a zero balance for two weeks, I was charged a fee.NY & 7 CO insists that the fee is VALID, while I remain convinced that it was reasonable for the bank to stop payment but not reasonable for NY and Co to hold onto the check. I called NY and Co to request cancellation of the fee, but they refused. I AM SEEKING ASSISTANCE IN THIS MATTER. This fee should not have been passed on to me. 

The bank that sent the check : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Check Receiver : NY & CO/ Comenity Bank XXXX XXXX XXXX XXXX TX XXXX XXXX Commenity may have email as XXXX or XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report with experian. alot of information is inaccurate an needs to be removed from file asap. review the data an clean 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 2023-03-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Helbing Law Group
State: GA

Complaint narrative:
My Credit scores drop from the high 700s to the low 500 dealing with this fraudulent organization. 
I also explained to them I'm not making the same amount of money since the Covid issues have diminished.

So I explained to them I want out of the program, because my salary is not the same.

But these criminals have not provided any useful information to help this solution.

They want the same payments. All the worry abut is the money. Now I see they reporting Im 60 days late, I not paying them anything. They need to refund what I put in like I asked. 

I recommend nobody use this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit card or prepaid 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:
My wife and I had applied for American Express. We received those cards and pay about {$500.00} a year for the card.. While using one of the cards a Platinum card we were sold all the benfits of using an AMEX card that you could use to earn rewards and points but using these points was very difficult and at times inaccessible especially when AMEX for no good reason suspended charging because their system says it needs to be reviewed. 

We switched everything over to AMEX including auto pay and then when we had available credit AMEX then cut off the card in the middle of travel and said that it needed financial review. Financial review that started on a Sunday. We completed the financial review and they lifted the suspension. The first time. 

We had never had a late payment. On the charge card Platinum my wife was the responsible party. AMEX continued to tell me I was not finacially liable. 

But today on my XXXX XXXX card they suspended my card because of another account for the Companyu I worked for styating because of my association with " other cards '' that they had to complete financial review and suspended my persdonal card because of the Company card not being paid correctly. My available credit showed I had enough spending to continue to use the card but it was suspended, and I was adivsed this on a Sunday today. 

Now AMEX said that my card was suspended because of my association with another card not in my name but by the Company I worked for now holding me responsible from my XXXX XXXX XXXX XXXX for a card I am not responsible for. 

AMEX has continually suspended charges when there was no reason to do so and has done this to me numerous times while traveling leaving me in a lurch and causing significant expenditure of time and delay in completing travel. 

Also having to go to over 20 autopays that were loaded using the card has now jeopardized my payments to other creditors since I used the AMEX as an autopay item. 

They sell you in their marketing how easy it is to use AMEX and how helpful they are but all this hype is nonsense and I have never been treated like this by any other card issuer. 

I have been a member of AMEX since 2006 and it means nothing.

Company response to consumer: Closed with non-monetary relief