vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
XXXX and American Express hae fraudulently reported my death causing tremendous strain to my life.This has caused great emotional distress and Financial damages. XXXX has neglected its lawful, legal duties while violating several of my rights. 

I have asked for copies of my report for a full year now and they have only sent letters saying they are in receipt of my request. It has now been a full year of this every month refusing their lawful duty. The letter will be in the attachments. This consistent action neglects their lawful, legal obligation under 15 U.S.C. 1681y section 623 and my rights under 15 U.S.C 1681g I have disputed this fraudulent claim for a full year and it continues to show in my report. With me reaching out and making it known that I am alive ; they have continued in their negligence of federal law 15 U.S.C 1681e. They have not only failed their lawful duty to accuracy but also violated my right under 15 U.S.C 1681b ( a ) 2. Not only have I not consented to this reporting, I have made it known that this is against federal law and XXXX continues to willfully violate my rights and neglect its legal duties. 

These violations caused me 1 year of interest rate hikes on my home. not to be eligible for my mortgage trouble getting a vehicle. Loss of jobs. And inability to continue life for a full year. This has totaled {$360000.00} in damages pain and angiush to me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 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: AL

Complaint narrative:
It looks like some of the inquires were already removed by some of the companies before i sent the last dispute. Also some accounts were listed incorrectly I have the correct one now. These accounts are fraudulent. Will pursue financial compensation is issue is not resolved. 

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 2022-12-14 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: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT BELONG TO ME and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT BELONG TO ME and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-12-14 00:00:00
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On XX/XX/2022 my wallet was pickpocketed at XXXX in XXXX, XXXX Thieves immediately used my Barclay Credit Card to make a {$500.00} purchase at said XXXX XXXX I notified Barclay of the theft that day by phone to XXXX in customer service. I received a Barclay letter dated XX/XX/2022, attached. Subsequently I received a new card that was activated on XX/XX/2022. 
My XX/XX/2022 billing statement charged me for the {$500.00}. I called at XX/XX/2022 at XXXX, when customer service picked up they hung-up at XXXX. I called again and spoke with Relationship Manager XXXX XXXX her the XXXX Police case # XXXX. She transferred me to the Fraud Department at XXXX where I was again cut-off at XXXX. XXXX I called back speaking with XXXX in the Fraud Department , who informed me that the investigation was still on-going so the charge would not be removed until after they confirmed it was fraud. She insisted that I must pay the {$500.00} amount plus any interest or late charges due to that balance, even though it was still under investigation. 
I know better : payment would mean that I accept the theft amount as a XXXX XXXX purchase. 
XX/XX/2022 XXXX Police Department released their final report ( attached ). 
My XX/XX/2022 certified letter to Barclay ( attached ) explaining the theft with a copy of the police report and other attachments was received XX/XX/2022. 
My XX/XX/2022 billing statement still reflects the {$500.00} plus interest of {$11.00}. 
Now Barclay is telephoning and emailing at least every other day claiming I am past due, that I owe these charges, etc. 
XX/XX/2022 XXXX I spoke with XXXX, an Account Manager in the Debt Collection Department XXXX I explained the situation and asked for a contact number, name of a person, and address for Barclay Legal Department. He claimed there is no number ; no legal department. 
Hence, I am writing to CFPB for assistance.

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 2022-12-14 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: CA

Complaint narrative:
I have disputed an item several times with Experian, they reportedly verify the item. My last letter I requested the method of verification that they used to verify the item I have received an electronic response today XX/XX/14 stating that the Item is Verified there was no direct answer to my inquiry as to how this item was 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 2022-12-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I still haven't received any results.

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 2022-12-14 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: NC

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, these accounts entered have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2022-12-14 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: NC

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, these accounts entered have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2022-12-14 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 PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: AL

Complaint narrative:
A friend sent me XXXX XXXX  to Cash App on XX/XX/XXXX. I never got a notification for it and did not check my Cash App until I was told they sent me money on XX/XX/XXXX. My balance still said XXXX XXXX although I saw they sent the money, but right above the exact amount they sent was spent at a XXXX XXXX XXXX XXXX the day after they sent the money on XX/XX/XXXX. The last place I used my Cash App card was at a XXXX gas station in XXXX, XXXX I disputed the amount with Cash App and was denied 5 days later on XX/XX/XXXX. I disputed it again the same day which took over 3 months for them to deny. I disputed it again on XX/XX/XXXX, just for them to deny me again today, XX/XX/XXXX. I even have XXXX XXXX with the same issue saying that their Cash App cards have been swiped for the exact amounts on their balance and sent them proof that its not just me, its an ongoing thing, yet they still deny. I'm even XXXX friends with a police offer who says they have been getting more complaints about money being stolen from Cash Apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: VA

Complaint narrative:
In accordance with the fair credit reporting act, Bankruptcy XXXX  XXXX reference # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 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 2022-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: AZ

Complaint narrative:
I keep receiving NEW letters of a debt that has been resolved and or discharged ( see complaint XXXX CFPB ) This original debt was caused by insurance not billed, this company XXXX XXXX XXXX XXXX XXXX has closed their doors years ago, there are no invoices, billings that XXXX XXXX XXXX XXXX can provide me to prove otherwise as indicated by the many phone calls placed to them with customer service and supervisors assistance. They keep sending me these letters and have placed this debt on my credit report AGAIN.. they just keep selling this to debt collections and these people will not reason or send documentation of this debt whatsoever. The last company was XXXX XXXX XXXX. and they were contacted by you to close and or comply and they closed their file and removed it from my credit bureau. They call me non stop and this needs to AGAIN stop please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
a letter from PHEAA, which is the parent company of Fedloan sent a check for {$25.00} and a letter to my house. The letter was not addressed to me, but to a different individual. The rationale for the letter was due to the many problems that Fedloan had and the mistakes that Fedloan made while servicing the Direct Loan. The overall message from the letter was " we made lots of mistakes, here is {$25.00} for the trouble ''. I was never sent this letter nor the {$25.00} from Fedloan and I have dealt with many mistakes and servicing errors from Fedloan. I called Fedloan and was told that Fedloan would only send this to accounts that they felt deserved the letter and {$25.00}. That is not how policies and programs work. I have called Fedloan to inquire about the status of {$25.00} check and letter for myself, and I have also written Fedloan through the internal e-mail contact us system. Fedloan wrote me back that they are internally researching the issue and will contact me in the future. That is just one more LIE to the Fedloan pile. So, now I am utilizing CPFB to force Fedloan to respond to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Regarding Wells Fargo Small Business account checking. 
Wells Fargo is charging me these fees for an unknown service that I did not sign up for. 
I called in and the initial representative thought they were from a 3rd party.

A 2nd representative found they were from a " treasury services '' department in Wells Fargo but he had no info on the charges himself. 
In the treasury department under a service called XXXX  ( something I did sign up for about that time but did not see any info in that contract not had anything explained to me about client analysis fees ), after long research time on the phone Wells Fargo XXXX XXXX told me they also had no info what these charges were for. 
They refereed me to my 'relationship manager ' XXXX XXXX XXXX 
I have informed Wells Fargo before that XXXX XXXX when I called her told me she was not my relationship manager, the system was defaulting to her because she was the branch manager, but she just changed positions out of there and was not longer the that branch manger and was in fact not my relationship manager. 
Wells Fargo suggested course of action was to send an email to my relationship manager XXXX XXXX, but to date I have not heard a reply from that and doubt that I will. I beleive Wells Fargo Small Business is charging me for a service that I did not sign up for, is irrelevant to my company situation that is not actually providing a service, and can not provide me any info about it or how to stop it or get it refunded. 
Lastly, I as overdrawn this month by an amount similar to these unexpected fees which has caused additional fees, problems paying my other debts/financing and general issues with cash flow management impact on my business, and maintaining my credit score. 

I have recordings off all the calls and a copy of the email available on request. 

Fees charged to date : 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

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 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My mortgage was sold to Mr Cooper last XXXX. 

The mortgage is in a condo with an HOA. The condo has flood insurance through the HOA which we collectively pay for. 

Mr Cooper has forced me to buy flood insurance even though I have had phone calls in XXXX, XXXX, XXXX, XXXX AND XXXX explaining the situation. That I already have and pay for flood insurance through my building XXXX. 

On the phone, we notified them and submitted proof of flood insurance. They have still forced me to pay an ADDITIONAL {$400.00} / MONTH into my escrow account for insurance I already have. After XXXX XXXX of getting no-where with their phone service department, I am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/2022 - Personal information on XXXX is not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - addresses XXXX XXXX XXXX, XXXX Ca 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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX/XXXX/2022 - Personal information on XXXX is not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2022 - addresses XXXX XXXX XXXX, XXXX Ca XXXX

Company response to consumer: Closed with explanation