vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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: AmeriCollect
State: IA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, AMERICOLLECT INC XXXX XXXX XXXX XXXX XXXX XXXX have 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 also states, '' a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX H & R ACCOUNTS INC have 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 also states, '' a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This morning I received 2 letters from Wells Fargo bank advising they had received a notice of garnishment and on XX/XX/XXXX, they took {$220.00} plus {$120.00} bank fee from my savings account. This amount actually closed the account.This garnishment belonged to my daughter who is not not my savings acct except as beneficiary. The second letter advised that since my income is S/S they could not take it. I went to the bank this morning and their employee, XXXX XXXX XXXX verified that my account was in my name only with her name as beneficiary. My daughter is a joint tenant on my checking account because when my husband passed away I wanted to make it easier for her in case of my demise. She has not put money in the account nor taken money out, it is strictly my S/S and a very small pension in the amount of {$39.00} My complaint is not with Wells Fargo since they realized the error when I called them, so my complaint is with the Franchise Tax Board of Calif. They never contacted my daughter about this debt and she has not lived in Calif for a number of years, so she didn't even know, that according to them, she has a balance. I don't know how they got my name and banking information because I don't live in Calif either and haven't since 2015 and even then my husband and I did not file taxes because we did not make enough money. They caused me a lot of undue grief when I got those letters showing my savings was gone. It may not seem like much, but on my fixed income it was devastating to me. And when I called Wells Fargo they verified that my daughter was not on the savings acct. If you need any additional information please feel free to contact me.

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I bought {$60.00} of stamps from USPS. USPS stamp store says delivery was made on XX/XX/XXXX. They were not delivered. The Manager of Customer Service ( XXXX XXXX XXXX ) for USPS XXXX confirms this and said according to the USPS tracking number the stamps were delivered to another address. Amex first credited me with {$60.00} and then reversed this. Two times I wrote XXXX XXXX, chief legal officer, explained this and gave her XXXX ' contact information to confirm what said. She has refused to respond. I emailed XXXX XXXX XXXXXXXX  and explained in detail again and asked to not be called but emailed. A XXXX XXXX from " executive office '' called and left a message. I left word to not call, but email, and to read the XXXX letters first. She again called back, asked me to take my time to explain everything, had not read the letters, and refused to contact XXXX to believe what I said. I told her to deal with me only in writing. The following day she against harrased me and called and left a message. I am XXXX XXXX XXXX and this is elder abuse. I have a more specific step-by-step outline I can email you. Amex believes USPS which gave them wrong information rather than a customer of 56 years with proof of USPS failure. I want Amex to stop harassing me and credit me {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: TX

Complaint narrative:
There's 2 XXXX XXXX cards on my account that were paid and close on XXXX. However XXXX 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need macys to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on XX/XX/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 2022-06-28 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: TX

Complaint narrative:
There's XXXX XXXX XXXX cards on my account that were paid and close on XXXX. However XXXX 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need macys to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: TX

Complaint narrative:
There's XXXX XXXX XXXX cards on my account that were paid and close on XXXX. However XXXX 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need XXXX  to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on XX/XX/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 2022-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: ND

Complaint narrative:
Today ( XX/XX/2022 ), I had received a text message from Harris & Harris supposedly a debt collection firm for the XXXX XXXX XXXX XXXXXXXX requesting me to pay for services. I had not received using the name, XXXX in the text message including using my official cellular telephone number XXXX to pay at " XXXX '' or click this link to pay at " XXXX  : XXXX ''. In which, I had not received any medical services at any of the XXXX XXXX XXXX XXXXXXXX or any other services. I do not want Harris & Harris debt collector firm sending me any other fraudulent debt collection alleged text message bill when I do not live in the XXXXXXXX XXXX XXXX. Either do I want Harris & Harris debt collection agency placing fraudulent debt collection bill onto my credit file report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: NC

Complaint narrative:
I have no knowledge of this XXXX account. This was not me. I have included a fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: NC

Complaint narrative:
I have no knowledge of this XXXX account. This was not me. I have included a fraud 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 2022-06-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: CA

Complaint narrative:
This complaint is in regards to American Financial Network ( AFN ). 

I am trying to complete. A supplemental equity loan using XXXX XXXX XXXXXXXX. I initially reached out to my loan officer at AFN by the name of XXXX XXXX. At first he answered my call. But when u sent him the form that he needs to sign to afield he that I am pulling equity from my property he started avoiding me. For the past month I have called American financial network twice a day to get the form signed. They told me to upload electronically in their system and that someone would review it in a week and a half. After the given time period the form was still not signed. One 3 separate additional days I was promised it would be signed. Still no signature. AFN continues to dodge my phone calls or provide support in singing my subornation form to complete my application with XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
I have several accounts with CMRE financial, i was XXXX  every single month for a year and couldnt hold a job bc of the XXXX. While in the XXXX, i applied for financial assistance with every hospital ( all a XXXX XXXX XXXX ) and was granted assistance. So im terms my bill was paid for. 
While looking at my credit report, there are several accounts with the same dates that are reporting different amounts. I have tried to call this company and they will not return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Georgia Student Finance Authority
State: GA

Complaint narrative:
I've filed multiple disputes ( XX/XX/2022, XX/XX/2022 & XX/XX/2022 ) with XXXX regarding a student loan that continues to show on my credit report with them from the Georgia Student Finance Authority ( GSFA ) in the amount of {$4.00}. 

The amount represents a student loan for which I applied and was approved for last Fall to attend XXXX University ( XXXX ). However, I withdrew from the program prior to the last official day possible to receive refunds. I've confirmed with both XXXX and GFSA that the funds in question were returned to GSFA. However, every time attempt to have my XXXX credit report corrected to reflect such I am rejected. I have received repeat dispute rejections from XXXX stating that GSFA confirms that the information and account balance of {$4300.00} listed on my credit report is correct. But on my credit report with the other two reporting agencies, the balance for this particular loan reflects a {$0.00} balance. When I called GSFA months ago I was also told that my balance was {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX  Attorney General and FTC

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I have a Comenity Ann Taylor XXXX XXXX  XXXX that I have only used at an Ann Taylor/XXXX  store or, on line. XXXX of 2021 several charges began appearing from a company called XXXX XXXX which according to their web site is a supplement and diet company. There were also charges for XXXX and a gym membership in XXXX  and I live in XXXX. The company reversed all the charges and opened a new account for me. Then they transferred the fraudulent charges from XXXX XXXX to my new account. I began another campaign to have them remove the charges as I did not make them. I was told to call the phone number, which I had already done and the phone number is NOT A WORKING NUMBER. They gave me an email address which goes nowhere to have the subscription I initiated stopped and to get a credit from them. A. I did not at any time subscribe to this company ; and, B. Comenity is the one who won't investigate the fraudulent charges. I was then told I had been given 3 chances to prove that I did not make these charges and since they won't accept my pleadings, they are done. Since Comenity is in Ohio I reached out to the fraud department through the Ohio Attorney General and they directed me to this office. I have the statements and a recap of what I have sent to them to support my claim. I have been told by them that it is my responsibility to have this rectified with a company who has not working phone number and who does not respond to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have been unable to access any accounts linked with Comenity Bank for five days, and therefore, am unable to view my statements and make payments as necessary. There has been no solid information from the company on their social media platforms regarding the continued outages and it seems as if there is more going on than scheduled maintenance, but the company refuses to admit as such. Even Comenity 's XXXX is unavailable. 

I have also tried calling their offices to schedule payment, but their phone lines are not operating, and therefore, I am completely unable to contact someone. This could very well lead to late payment charges, an increase in interest, incorrect reporting on my credit report, etc. 

This is unacceptable and is more than a simple inconvenience ; an inconvenience would be the website being down for an hour or two longer than expected, not for five plus days. The blatant disregard for customers and access to their accounts is disheartening from Comenity, especially when they refuse to give straightforward answers to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
The below complaint against XXXX  was addressed to a XXXX XXXX from California in reply, nothing at all to do with myself or my account... I do not know the reason XXXX  rep sent this reply to CFPB in reply to my complaint, it appears to be another error on end of XXXX  .... 

Payment in the amount of {$50.00} made via bill pay through XXXX, account issued by XXXX XXXX on XX/XX/XXXX has not posted as of XX/XX/XXXX. Payment made to XXXX  account. I've used this same account, XXXX, in the past to make payments, all of which have posted with no issue, there appears to be an error on end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Its for my Equifax Credit Report theres XXXX on there I dont recognize 1.XXXX XXXX Inquiry Date XX/XX/XXXX 2.XXXX XXXX  Inquiry Date XX/XX/XXXX 3 . XXXX XXXX Inquiry Date XX/XX/XXXX I have called Equifax and they said they couldn't remove the inquiry unless I have filed a report with you CFPB I also have tried to call both companies and could not get ahold of either to help me with this matter. If you could please help me out that would be GREAT now if I did Inquire about those companies please have them email a copy of the Inquiry and where I signed off on it thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

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 2022-06-28 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: MO

Complaint narrative:
XXXX of XXXX i sent in dispute letters to transunion, XXXX and XXXX After learning more about my rights as a consumer, i obtained a copy of credit report the month prior to disputing. I noticed multiple inaccurasies which i detailed in my dispute letter, not one response was made from my dispute letter. 

Each of these accounts violated, 15 usc 1681 e b- accuracy of a report, whenever a furnisher reports any information on behalf of a consumer ( me ) it shall follow maximum possible accuracy. Because these accounts have multiple inaccurasies, i demanded them to be removed because they were in violation. To add another reason why these accounts need to be removed from my credit report is each account violating 15 usc 1681 b under permissible purposes i never any of these accounts any written consent to report anything to my consumer reports and because i didnt consent that means fraud to me. 

XXXX XXXX XXXXXXXX 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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX, XXXX and TransUnion from XXXX of 2022. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 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 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), 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. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto 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