vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: MI

Complaint narrative:
I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I discovered multiple billing errors under 15 U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement. 

Despite my initial request, I have not received any hard proof from the creditor 's bank account that proves I did not pay and was marked late. Therefore, I am still adamant that these errors were purely billing errors, and I urge you to rectify them promptly. 

Furthermore, I request that the following items be updated on my consumer report, as agreed As a consumer, I have the right to have these accounts updated immediately, in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PA

Complaint narrative:
My husband is turning XXXX and we called to cash in IRA CDs he purchased XX/XX/XXXX through XX/XX/XXXX. Mellon Bank was purchased by Bank of New York and we were told the IRA CDs were held under XXXX Mellon. We provided XXXX Mellon the information from the CDs ( we have the original certificates ) but they claim they can't locate them. They keep giving us the run around and are not even trying to locate our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Ive contacted this creditor several times to notify them that the account is fraudulent & nothing has been done to remove this from my credit report its cause me financially & mentally because its Hindering me from being able to qualify for different lines of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Open XXXX XXXX and amount XXXX I was trying to get it dispute which only made things worst they went up on the price

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: NC

Complaint narrative:
I got scammed by a work at home Company, used my Credit card for work expenses only To find out it wasnt a real company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: DriveTime
State: IL

Complaint narrative:
DT Credit XXXX XXXX XXXX, AZ XXXX XXXX XXXX ( XXXX ) XXXX The inquiries on my Credit report auras are XXXX, XXXX, XXXX XXXX did not unauthorized 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 explanation
Consumer complaint received 2023-03-29 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: ME

Complaint narrative:
I have attached an FTC report with inquiries I did not apply for or authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I found a promotion online for a Chase card for XXXX bonus points with Southwest Airlines, so I applied and was approved. I was to spend {$3000.00} in the first three months in order to receive the bonus. I did that and paid all my statement balances right away. I saw that I did not have the XXXX points applied so I called and spoke to Chase where I was told that I would have the bonus points applied. Several weeks later, the points were still not applied so I called Chase back. Today I found out that the request was submitted for the points, but the bank would not honor it since their promotion ended in XXXX, after I had been approved for the card in XXXX ( the timeline that I was just told by Chase ), with the promotion being offered. 
So after meeting the requirements, I have been denied the promotion that I applied under and will no longer use this bank under any circumstances, barring life-and-death scenarios where might I need to use their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I have attached an FTC report with inquiries I did not apply for or authorize please delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I called numerous times throughout the years previous to my house being sold to inquire about my PMI still being applied.It should have fallen off long before the sale of my home. My accountant was upset about it. Was told that Wells Fargo based PMI on current value of the home opposed to the value at time of purchase. This was not fair business practice. My mortgage was purchased by Wells shortly after I refinanced it in 2011. They are not to have different terms than every other lending institution. I believe they overcharged me thousands in PMI.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
I reached out to XXXX XXXX XXXX on XX/XX/2023 in regards to the inaccurate information the business was reporting. They intern sent me a outdated lease, and some more papers they considered validated the debt. I sent them the paid recipt and email verification. i received a call from a screaming woman stating she was an attorney and et. i explained to her that they bought outdated information that could potentially land hemin court she hung up. I kept asking her her name she kept yelling saying she was an attorney and if I couldnt provide her with a check number then it will stay on my credit. I personally would like to see them in court. I was very intimidated by the threats and offended because in all actuality they are fraud. Conspiracy to hinder the fruits of my labor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been damaged by Amex Credit because their random audit cut my account value to the point where I downgraded my card because it was not worth the annual fee anymore My credit score now is XXXX points lower on XXXX and XXXX points below than normal due to the Actions of Amex despite 19 years of experience and full service banking. 
I paid a debt that was not even actually due and have never been late yet all of my accounts were cut to the point that it is not worth using them just paying them off and reserving them for emergencies only rather than close them or just sue them for the damage they have done to me. 
I gave them supporting documents regarding how I make money and they refused to regard it. 
I am now submitting more paperwork than it took to secure the account in the first instance. My credit ranged from XXXX XXXX and I spoke with a supervisor there today who said that they would " do something '' to correct the damage to my credit. An hour later I received an email saying that my score dropped from ( XXXX ) XXXX, XXXX XXXX ) at XXXX... and I'm afraid to look at XXXX. 
I used Amex Bank and credit and they damaged my credit rating, no reason completely random with no forewarning. 
I am writing this complaint because I spoke to a supervisor who led me to believe that they would '' do something " to ensure my credit rating goes back to where it was but I don't believe this because an hour later I get a XXXX email saying there was a change to my score and XXXX XXXX notes a XXXX point drop. 
I am asking for rapid assistance as a means to avoid suing for the damages done to my credit rating to XXXX. 
Please help remedy this before I am forced to litigate or change my name to XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 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: U.S. BANCORP
State: MN

Complaint narrative:
I recently was monitoring my credit and I saw from the 3 credit Bureus, that there has been faulty inquires on my credit report. 
For example On XXXX I saw ( Inquiry date XXXX for XXXX XXXXl XXXX ) another example I saw was ( Inquiry date XXXX for XXXX XXXX XXXX ), also another ( Inquiry date XXXX from XXXX XXXX  XXXX ). 
These 3 were reporting on my XXXX. 

On my XXXX I see For example ( Inquiry date XXXX for XXXX XXXX XXXX ) The inquires for XXXX for example on my report I have ( Inquiry Date XXXX for XXXX ), another ( Inquiry Date XXXX for XXXX XXXX  ), also ( Inquiry date XXXX for XXXX XXXX ), Last that I see on my credit report is ( Inquiry date XXXX for XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I recently was monitoring my credit and I saw from the 3 credit Bureus, that there has been faulty inquires on my credit report. 
For example On XXXX I saw ( Inquiry date XXXX for XXXX XXXX  XXXX ) another example I saw was ( Inquiry date XXXX for XXXX XXXX  XXXX ), also another ( Inquiry date XXXX from XXXX XXXX XXXX ). 
These 3 were reporting on my XXXX. 

On my XXXX I see For example ( Inquiry date XXXX for XXXX XXXX XXXX ) The inquires for XXXX for example on my report I have ( Inquiry Date XXXX for XXXX ), another ( Inquiry Date XXXX for XXXX XXXX ), also ( Inquiry date XXXX for XXXX XXXX ), Last that I see on my credit report is ( Inquiry date XXXX for BMO HARRIS ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I deposited a check from the US Department of the Treasury, it was placed on hold. The following morning, I awake to find out that the check was released, so it was a good day. I go about my day to pay some bills and what not, my debit card gets lock, it was still early but the chat function was open so I chatted got the card unlocked processed to try to pay a bill again, card locked again, chatted again, card unlocked, I was able to pay 2 bills before the card was locked again. Chatted again, unlocked again, tried to pay another bill card declined, This time I called, the XXXX  said everything was fine there were some fraud alerts she cleared them and said everything was fine. I go try to pay for something else and once again it was blocked, I called again and the XXXX  advised me that it was due to a check being deposited in my account, i asked her what was wrong with the check she said it was fraudulent and i asked how, she said because the note line didn't have my name in it and it had 'XXXX  XXXX XX/XX/XXXX tax return XXXX ' ... which did not match my name and sent over a fraud request, well in the process the are closing my account and send the check back to the IRS due to it is a fake check, so she hung up on me and i called back and then she advised that an outside bank started the process by contacting them saying the check was a fraud, i then called the Bureau of Fiscal Services and was advised by a XXXX that was the memo line and the check in fact a good check. So now I have no money on the first of the month to pay bills or feed my family not to mention i am going out of town Saturday and they keep telling me 3 days for a resolution. I have no food rent is due and because the XXXX did not do her due diligence of checking/verifying the check I am in danger of losing my home car and not to mention my kids are hungry and I was going grocery shopping. No one at the bank can give me a straight answer, you can't talk to anyone outside the call center and they will only switch to other XXXX  that will give you the same spill... I don't know what else to do or who to turn to. I have cried and cried and no-one at that bank is concerned or is trying to help me. I feel like I was singled out because of the amount of the check ( XXXX ) and who I am, a XXXX woman that got angry about her money...

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: SC

Complaint narrative:
Hunter Warfield has purchased a debt I owed to an apartment complex to the amount of {$4900.00}, however they are not licensed to collect in the state of South Carolina. In addition to I have not given written consent to the original creditor, debt collector, nor the credit reporting agencies to report this debt that is non public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX The inquiries on my Credit report auras are XXXX XXXX XXXX XXXX XXXX XXXX did not unauthorized report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: TX

Complaint narrative:
In review of my XXXX credit report I noticed that there is a Collection being reported that I do not identify. This medical collection was placed on my credit file by Americollect in the amount of {$260.00}. 

I do not know who this is and what its pertaining to. this debt collector needs to " Validate '' this debt and show that it actually pertains to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: AL

Complaint narrative:
I disputed the bankruptcy on the report. the bureau sent back and said it was validated/ verified so I reached out to the courts and the court said they do not provide information to the credit bureaus so somebody is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: LEXISNEXIS
State: AL

Complaint narrative:
I disputed the bankruptcy on the report. the bureau sent back and said it was validated/ verified so I reached out to the courts and the court said they do not provide information to the credit bureaus so somebody is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I have medical insurance. I am cover by my personal medical insurance and ex-husbands military insurance. I do no owe this debt. Have never seen this bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc.
State: IL

Complaint narrative:
I did not know I had this alleged debt. I was never notified or given a chance to dispute and request verification of this alleged debt. I contacted complete credit solution over 30 days ago and still have not received correspondence or verification of debt. I just have the information from my credit report. Please have them remove the debt from all credit report agencies and please send letter in reference to the removal please. 

Thank you for your 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 2023-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I believe the loan officer breached my family information and another family information By sending us a pre approval with my wife name on it and another family name on it We forwarded the pre approval letter to our real estate agent who noticed It is attached to two families And she called us and said what are you guys trying to do here it look like a scam or fraud My wife got so devastated and upset She been working as a XXXX XXXX for XXXX & XXXX for 15 years and that loan officer try to destroy her reputation He didnt even apologize or trying to he said so what you cant do nothing about it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
It is the XXXX XXXX agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Experian is reporting 2 inaccurate late payments for the XXXX XXXX XXXX DC with account number XXXX. This includes late payment 30 days from XXXX XXXX, 60 days late payment from XX/XX/2017, these are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these - late payments resulting in Experian violating my Federally protected consumer rights. To add to this, I did not give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, thus violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

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