vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-16 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: PA

Complaint narrative:
I recently look at my credit report and seen numerous inaccurate and inconsistent accounts reporting to my credit report that i did not consent to. According to the fcra everything is suppose to report accurate and my accounts are not. I have been sending letters to the creditors and the credit bureaus since XX/XX/2021 up until today ive sent letttes certified mail as well and still have yet fixed my problem. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.

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 2022-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express responded to my CFPB complaint on XX/XX/2021 accusing me about having another American Express account that was not maintained in accordance with the terms of the cardmember agreement which is why they closed my personal credit card and gold card. First off, I never authorized American Express to close any of the extension of credit I gave to them. Next, American Express shared my personal information ( name, home address, phone number, account number and more ) to multiple non-affiliated third-parties known as a person or debt collector such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my consent. Each debt collector has attempted to communicate to me by mail or phone. None of those persons or debt XXXXollectors were present during the initial consumer credit transaction when I extended a line of credit to American Express and when American Express entered my credit back to me. American Express gave, placed, or referred my information to a person also known as a debt collector that I do not know of to collect an assume debt. See the following attachments for proof. American Express sharing, placing, referring, or giving my personal information away to a person or debt collector that I do not know is IDENTITY THEFT. Finally, American Express did not pay me my remedy for violating my consumer rights more than 25 times. I have added a new invoice in the attached with your new balance to pay me for violating my consumer rights. American Express, I want you to pay me my REMEDY, next stop & delete all accounts from any reporting agency, then stop & delete all non-affiliated third-parties, persons, and debt collectors from contacting me, cease and desist all communication with me ; all in that order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have filed complaint regards to this matter that Mr Cooper ran my credit and still reporting to credit bureaus even though I have their emails and they were agreed to remove it and after that they failed to respond everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, I received an advertisement in the mail for a 0 percent balance transfer on a credit card with American Express. I responded to the advertisement. When the paperwork arrived in the mail, with a credit card attached, it stated 0 percent on new purchases for 1 year. I called the number on the paperwork. They said it was not for balance transfer. I explained the miss understanding and said I will not be activating this card. I did not need a credit card. I never removed the card from the paper, nor did I activate it by calling the number on the card and nor did I remove the sticker on it. 

Now XX/XX/XXXX, I receive and email that I have a balance do on an American Express Card. I called to report Fraud, since I do not have an American Express Card. They inform me that its a charge from them for a yearly fee. I explain the situation and that this card was never accepted. I was talking to the Fraud department on Saturday Night at XXXX pm and they said I could contact customer service on Monday. 

On Monday Morning I call and reach< XXXX a manager in the XXXX XXXX Florida office. She said they do not give out last names or id numbers. She said its a yearly fee they can not remove but she can help me cancel the card. I kept explaining that I do not have a card. I asked to speak to her manager, but she said her name is XXXX and she is out sick. 

I take get effort to keep my credit in excellent standing. I do not appreciate them not removing this fee. this is not a card that I have ever activated and I am thankful I ev paperwork to know what they are referring to. This was XXXX years ago that I received that information in error. I have never received any correspondence until now. It is absolutely absurd that I would own them {$95.00} but she was not willing in anyway to help removed this from my credit report. I do not want this reflecting me. I did not use utilize any credit from American Express. I did not go into agreement for any yearly charge to utilise one of their cards. I do not feel I should pay a charge in XXXX for a misunderstanding that happened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: IL

Complaint narrative:
I sent a letter describing my disputes. I pulled my weekly credit report, as allowed due to COVID-19, and all of my disputes are not reflecting in the credit report. In multiple letters I sent disputes for inquiries, account, and a collection that recently appeared. These entries should be showing " under investigation ''. Only on item is showing that when it should be multiple.

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 2022-01-16 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: IL

Complaint narrative:
I sent a letter describing my disputes. I pulled my weekly credit report, as allowed due to COVID-19, and all of my disputes are not reflecting in the credit report. In multiple letters I sent disputes for inquiries, account, and a collection that recently appeared. These entries should be showing " under investigation ''. Only on item is showing that when it should be multiple.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FISERV FINXACT CORE
State: AL

Complaint narrative:
I went inside the XXXX Bank now XXXX XXXX on XX/XX/XXXX to inquire about a charge in the amount of {$88.00} on my account on XX/XX/XXXX. The branch was unable to give me a number for the merchant. The desk representative sent an email to XXXX XXXX XXXX called me back on Friday evening and told me without a XXXX ID at the time she was unable to help me and would return my call. Unfortunately, she never did which prompted me to reach out to XXXX XXXX on XX/XX/XXXX stating : I'm trying to cancel services with the POS vendor I was setup with. I never received {$450.00} credit that was promised. My nonprofit, XXXX XXXX XXXX XXXX XXXX is small and the charges at this point are rising and not something we would like to move forward with. We were just charged {$88.00} and I'm not sure what that is for. 

Since, the XX/XX/XXXX I have been given the run around regarding my {$450.00} promotion for signing up for the services was never given to me. It was suppose to be credited to the account within 60 days of me signing up. I have been charged a fee of {$88.00} and not sure what it is for. The merchant also told me in order to receive a paper statement that would be an additional fee of {$10.00} a month. I have been unable to access an online account to receive online statements. They sent me a cancellation form but have not offered a refund or explanation of charges or given me the {$450.00} promotion that should have been credited XX/XX/XXXX. I would not have signed up for the service had it not been for the promotion. The monthly fee should be {$9.00} month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
My complain is against XXXX XXXX, the way they operate is to provide services that people do not ask for and they just send them the bill. XXXX XXXXXXXX performed a fertilization service at my property in early spring last year, I called them and clarified that I didn't ask for the service, they told me that because I was a customer before they assumed I needed the service. I complained about them assuming and providing services that have not been requested and agreed with the customer. They told me on the phone in XXXX that they had deleted the charge and all and any account information that they had from me at the time. I am an individual that pays all my bills on time, however it is the first time someone does a service that I didn't ask for and wants to be paid anyway. I am sure if I did it once they would continue providing unsolicited services and sending the bills. I disagree completely with any company that proceeds that way. It is not about not paying the amount, since {$160.00} is nothing. it is about fairness in business. They claimed once that they sent me an email notifying me that they would do the service, I never saw the email and it would not matter anyway because that is also unacceptable way of doing business. 
I don't want anything to do with a company that has such wrong business procedures.

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 2022-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This is from an apartment I haven't lived in since XXXX. Out of nowhere they now call me 4-5 times a day and I don't owe them a dime. I moved out and never had a problem and now all of a sudden they are calling me over and over again. I never even heard of this company. Procollect INC. I have no knowledge of this company. I have disputed it twice and they continue to call at all times of the day. I am not responsible for this in anyway. I have called them back but they are extremely unprofessional and I am not paying for something I didn't do. Can you please help?

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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Tried disputing with credit bureaus and contacting the companies for more information into the inquiries. Here were unauthorized inquiries on the following dates XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2022-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Issues regarding total disability discharge. There is a conflict of interest as the Department of Education has contracted the review process for the total disability discharge to a student loan provider, Nelnet. 
They are also my loan servicer and told me I could not apply and my circumstances didnt quality ( which was wrong information ). 
I can't contact anyone at the Depr of Education, or someone " neutral '' to ask questions regarding their answers ( which is incorrect ). How can I trust they will follow the law and I'm not being denied merely because they hold some of my loans? 

I can't reach the Department of Education, all numbers I've tried redirect me to private third party " certified consultants '' who tell me to go on the Dept of Education website for clarification.

Where is my protection and help from Nelent and why can't I contact anyone give me assistance in overseeing the clearly unethical behavior of Nelnet and the Department of Education?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX my automatic payment was scheduled to go through. On XX/XX/XXXX I received via email from synchrony bank a confirmation that the payment went through. Apparently the payment did not go through and I received no further communication from the bank, only the original confirmation that everything went though ok. Today I received the first and only call from them to which I logged in immediately and submitted a payment, but my account had already been charged a late fee, my account had been closed and the credit services notified. In other words they notified the credit bureau and not me. I got in contact via phone with a customer service agent from the bank to fix the issue, and even after escalating the issue with the manager she claimed that they can not re-open the account, only submit the suggestions to the consumer resolutions team, but that in no way guarantees a solution.

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 2022-01-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Unauthorized mortgage loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: TX

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. THE COMPANY XXXX & XXXX, PURCHASED DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION, ACCORING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS THE ALL CAPS NAME IS NOT ME. 
PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAILS MY FULL COMPLAINT AND REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX, XXXX I was XXXX at work and placed on leave from work. I wasn't eligible for any supplemental income from my job until XXXX, during that time I was paying all my bills, including mortgage and utilities from my savings account and both my chase Credit cards. During this time I used my credit cards to supplement what income I was lacking, still trying to pay the monthly minimum on time. I stayed in contact with Chase card services about my situation, by XXXX, XXXX. I was completely out of funds and started to fall behind. I was not granted any extension and by XX/XX/XXXX, Chase card services terminated both of my cards I had with them and sold it to a collection services. This dropped my credit score drastically. I don't agree with there means, I was unable to gain any credit or loans because of this mishap. 12 CFR 1026.11 ( b ) ( 2 ) Account termination. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc.
State: FL

Complaint narrative:
ACSI reported an alleged account owed by me to XXXX formally known as XXXX. My first knowledge of this debt was via email that was sent by ACSI. I never provided my email address to ACSI or gave permission for ACSI to email me. Because I am victim of fraud, I responded asking for the original debt validation that was never sent via mail as stated in their attempt to collect this alleged debt sent via email. ACSI ignored my email replies and continued emailing scripted responses and harassing me via telephone. ACSI has now re-aged this account that was originally reported to the credit bureaus XXXX and XXXX with the original date of XX/XX/XXXX ( opening date of XX/XX/XXXX ) by closing the original debt collection account as of XX/XX/XXXX and re-inserting it under a different name ACSIXXXX which a new open date of XX/XX/XXXX. This is a violation of the FCRA and my rights as a consumer. My credit report has been ruined which is causing hardship for me and my family. I will upload my police report and email exchanges with this company. I have also filed a complaint with the XXXX XXXX XXXX  and the state attorney 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I received a letter from XXXX XXXX XXXX stating that my account was going to be sent to a pre-legal department. This is the first time I received communication from Credit Corp about this alleged debt. I replied back on the XXXX of XX/XX/2021 via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I requested validation of the debt and also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated. 

On XX/XX/2021, I received a letter back from Credit Corp Solutions. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. They also sent a terms and conditions printout as well as statements outlining consumer purchases. 
On XX/XX/2021, I responded back to Credit Corp Solutions, advising that they had still not provided any proper validation for the alleged collection account and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. Per USPS site, the letter was delivered on the XXXX of XX/XX/2021 and the return receipt indicated the same. 

As of today, XX/XX/2021, I have not heard back from Credit Corp Solutions, and they are still reporting the collection account on my Credit Report. I gave them 14 days to act accordingly but have not responded. 

How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract, and nothing has been provided. Please assist me in obtaining a resolution, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a deposit through XXXX intended to be sent to my family and it was a fraudulent account. The transaction was on Friday, XX/XX/XXXX to the following number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: NV

Complaint narrative:
Ive been a victim of identity theft.

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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MO

Complaint narrative:
Lexis Nexis is reporting derogatory information on my credit report I've gone onto their portal 3 times to obtain a copy of my credit report from them and each they asked me to enter my PII in order to obtain a copy of the report and each time i've done it on 3 separate occasions and each time I receive a letter in the mail telling me to access my credit report on their website and each time the site address and the PIN doesn't work after trying it several times the most recent letter came with a site of https : XXXX pin XXXX

Company response to consumer: Closed with explanation