vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
This company added a collection account to my credit report. 
Amsher Collection Service Account # : XXXX Date Opened : XX/XX/2022 Balance : {$310.00} This account do not belong to me and this company is in violation of the law. 15 U.S.Code 1602 p ) The term unauthorized use in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1692b ( 2 ) Not state that such consumer owes any debt ; 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating. I do not know this company and never been in contact with this company. I want this account deleted from my credit report immediately. 

I have filed an FTC report, filed a complaint with XXXX  and sent a certified letter to the creditor today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-01-23 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: SC

Complaint narrative:
Please correct my personal information, including the generational designation XXXX. I don't know why Transunion never added XXXX or why XXXX and XXXX removed it. This is how files get mixed up or merged!

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 2023-01-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please correct my personal information, including the generational designation XXXX. I don't know why XXXX never added XXXX or why XXXX and Experian removed it. This is how files get mixed up or merged!

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 2023-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened an account and i was traveling and some how my account was accessed by another individual making fraudulent charges via cash app and XXXX where my account was over XXXX dollars in transaction i reaptedly tried to change email to my information and contact information but I don't know how it was changed to begin with than numerous times I went to the branch go fix it over and over filed claims and no response was ever given no letter resolution

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 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
XXXX  OUTSOURCING FORWARDED A NOTICE ADVISING THEY ARE ATTEMPTING TO COLLECT A DEBT THAT HAS NOT BEEN VALIDATED. UPON THE INITIAL REQUEST, I INQUIRED ON THE VALIDITY OF THE DEBT. XXXX  THEN FORWARDED THE ATTACHED, WITH A DIFFERENT AMOUNT, DIFFERENT DATES, AND DIFFERENT LENDER. IT DOES NOT REFLECT WHAT IS CURRENTLY SHOWING ON THE XXXX CREDIT REPORT AND IS INACCURATE.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Outrageous fees that were charged. I had direct deposit set up. The acct was supposed to be free.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
My checking account with wells Fargo was wrongly overdrafted when i had the money in the account to cover all payments. This has happened more than 3 times with this company but the last overdraft i refused to pay that added up to over {$550.00} each time. The account was closed by the bank because I didn't pay the overdraft and 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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Over draft one a many times and did not give full amout.

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 2023-01-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 ) 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.

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 2023-01-23 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: Block, Inc.
State: GA

Complaint narrative:
I file an dispute on XX/XX/ about an ATM withdrawal for the amount of {$360.00} that was stolen from my account cash app denied my disputes I sent a case number from a police report XXXX I requested documents from cash app from the merchant via Email and thru their support app cash app still have not fulfilled my requested CFPB XXXX ( d ) written explanation so I had refile my dispute for the 6 time and request documents from the merchant every time they denied my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MT

Complaint narrative:
In XX/XX/XXXX, we began a loan modification with Carrington Mortgage. The modification was approved and being processed. While the modification was in process, I received a job offer that required relocation. At that time, we decided to sell the home while in the process of modification. We continued to make monthly payments during the modification process. We contacted Carrington Mortgage once we received the paperwork to complete the modification and told them we were about a month away form closing on the sale of the home. We were instructed not to complete the modification paperwork since we were selling the home. Carrington Mortgage then reported my account to credit bureaus as 60 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then 90 days late for XX/XX/XXXX, and 120 days late for XXXX and XX/XX/XXXX. Again, during this time, monthly payment were being made. I've disputed via the credit bureaus and have contacted Carrington. The payment history has not been corrected to on-time. This has since caused major issues in trying to get a new mortgage. We need our payment history corrected to on time since on time payments were being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A hard inquiry from capital one appeared on my credit report! I did not give capital one permission to run my credit! It has been removed from 2 of the 3 credit reporting companies it has not been removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Dear Barclays XXXX, I am writing to dispute the interest charge on my credit card account due to financial hardship. I have been facing financial difficulties due to unemployment and unexpected bills such as XXXX  bills for the kids and the newborn. My husband was away from home for his study and he to pay for housing, foods, etc. 

I honestly was not aware I was charging interest on my account until I recently checked and reviewing my account. I did not receive a notice that my account has been accruing interest. I believe it is unfair and has been a distress for me see my balance accruing interests. I have XXXX very young kids to take care of and this is a difficult situation along with the rising costs of inflation. Please understand my hardships and I believe that the interest charges on my account since XX/XX/2022 would be waived during the financial hardships. I know that I can talk to a representative, but they may not be able to help me because they do not have authority to waive the interests as requested. And if I sent a letter, it would probably get ignored.

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 2023-01-23 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: GA

Complaint narrative:
I spoke with a representative from Commenity bank on XX/XX/XXXX, the nearest business day they were opened after unable to reach them on Sunday XX/XX/XXXX. I expressed I wanted to pay my full balance and close my account. The representative gave met full balance ( XXXX ) which consisted of a charge of {$44.00} and I believe a late fee of {$40.00}. After paying I asked if my account was fully paid which I was assured was and asked to close the account. I have been charged a least 4 payments since then and being charged on a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES I DONT HAVE CAR NOR DID I OBTAINED A AUTO LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK
State: MD

Complaint narrative:
I got an email from what seemed to be XXXX with a number to call and that there was a request for money : when I called they claimed my Discover Card associated with my XXXX account had been used to make large purchases, and the only way they could try and recoup the money was for me to go out and buy 3 gift cards at {$500.00} each from XXXX and XXXX. When I questioned the legitimacy, they called me back from the XXXX # on back of the Discover credit card. They stayed on the phone, and after the first two purchases and scan to them ; the 3rd XXXX purchase was declined, and they were no longer on the phone. XXXX claimed that the {$1500.00} purchase had been confirmed via email, also claimed that my email must have been compromised. I promptly changed my password. When I called the same XXXX number, from the back of the card, back myself, I was told that this was a scam, and that there was no way for me to be reimbursed or the charges to be cancelled. I have since removed any payment form from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: FL

Complaint narrative:
5ths disputes have been sent through the year of XXXX ; and recently still being updated XX/XX/XXXX and XX/XX/XXXX ; as if my disputes and pointing out several violations never existed. This is my last attempt pointing out these inaccuracies before taking legal actions. On ALL XXXX XXXX XXXX XXXX accounts multiple inaccuracies and violations continue to happen on a monthly basis and destroy my credit! 

1 ) 15 USC 1681 ( a ) accuracy and Fairness of credit reporting has been violated MUlTIPLE times 2 ) 15 U.S.C 6801 protection of nonpublic personal information has been violated on multiple occasions.

3 ) 15 U.S.C 6802 Obligations with Respect to Disclosing Information, I have never received the 3 disclosure forms this law states I am suppose to have received 4 ) 623 5 ( a ) duty to provide notice of delinquency of accounts It is to notify the agency of The alleged delinquency date on the account, which shall be the month and the year. IT DOES NOT STATE to CONTINUOUSLY REPORT MONTHLY and yearly!

5 ) Also, according to the IRS charge offs are considered gross and ordinary income and you are to receive a 1099C from any alleged debt that is above {$600.00}, I have not received this for any XXXX XXXX XXXX XXXX account, So why are these alleged charged off accounts still reporting as debt on my credit report? 

These disputes are not to inform if the alleged death belongs to me it is to point out that these consumer reporting agencies have been in violation on multiple laws and has not been accurate and fair according to the FCRA, and they are allowing these accounts to continue to cause me distress and ruin my credit report! In XX/XX/XXXX, I asked for proof of verification, including the method of communication, documentation used to verify, to whom they spoke with, the date, what number did they call, the creditors address, what position did the person that they spoke with works? That has been longer than 30 days ago and I have yet to receive that! I asked that if they could not provide that to delete all of these XXXX XXXX XXXX XXXX accounts off of my report because it seems like their reinvestigation is computerized Or just telling me, the information is accurate!

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 2023-01-23 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: FL

Complaint narrative:
5ths disputes have been sent through the year of XXXX ; and recently still being updated XX/XX/XXXX and XX/XX/XXXX ; as if my disputes and pointing out several violations never existed. This is my last attempt pointing out these inaccuracies before taking legal actions. On ALL XXXX XXXX XXXX XXXX accounts multiple inaccuracies and violations continue to happen on a monthly basis and destroy my credit! 

XXXX ) 15 USC 1681 ( a ) accuracy and Fairness of credit reporting has been violated MUlTIPLE times 2 ) 15 U.S.C 6801 protection of nonpublic personal information has been violated on multiple occasions.

3 ) 15 U.S.C 6802 Obligations with Respect to Disclosing Information, I have never received the 3 disclosure forms this law states I am suppose to have received 4 ) 623 5 ( a ) duty to provide notice of delinquency of accounts It is to notify the agency of The alleged delinquency date on the account, which shall be the month and the year. IT DOES NOT STATE to CONTINUOUSLY REPORT MONTHLY and yearly! 

XXXX ) Also, according to the IRS charge offs are considered gross and ordinary income and you are to receive a 1099C from any alleged debt that is above {$600.00}, I have not received this for any XXXX XXXX XXXX XXXX account, So why are these alleged charged off accounts still reporting as debt on my credit report? 

These disputes are not to inform if the alleged death belongs to me it is to point out that these consumer reporting agencies have been in violation on multiple laws and has not been accurate and fair according to the FCRA, and they are allowing these accounts to continue to cause me distress and ruin my credit report! In XX/XX/XXXX, I asked for proof of verification, including the method of communication, documentation used to verify, to whom they spoke with, the date, what number did they call, the creditors address, what position did the person that they spoke with works? That has been longer than 30 days ago and I have yet to receive that! I asked that if they could not provide that to delete all of these XXXX XXXX XXXX XXXX accounts off of my report because it seems like their reinvestigation is computerized Or just telling me, the information is accurate!

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 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My auto loan was transferred to Ally financial and My second Payments was dishonored without cause. I initiated a billing dispute and tried to make subsequent payments via phone as previously done with the first payment. I was refused and demanded certified funds I requested a billing dispute contract information and sent mailings to several departments including the Corporate Office and CFO. i received no response to verify validity of the refusal. I spent hours on the phone with at least 6 separate agents and all ended with refusal of payment via phone. I sent a check for payment in full a month ago and 38 days later they sent it back. It has a endorsement stamp CREDIT TO ALLY as endorsement but the letter sent only state ally was not accepting the payment Nothing more. There are no stamps of insufficient funds or bank refusal on the check. 

Per UCC 3-502 Unexcused delay/Discharge this debt is discharged. 
3-506 Time allowed for Acceptance/Payment 3-508 Notice of Dishonor 3-604 Tender of Payment 3-603 Payment or satisfaction 3-602 Effect of Discharge Against Holder in Due Course 3=606 Impairment or Recouse of collateral Ally repossessed my car during the billing dispute with Ally refusing several methods of payments. 

Changing the contract without my consent is unlawful. Repossession of was in called for and I had valuable items stored in my property. 

Calls to ally have yielded no results I recently submitted a rescission of contract notice to the car dealership who fraudulently transferred my note to Ally and also the same notice to our financial who claims that I owe a debt which I have proof of payment and refusal without cause.

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