vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I have made at least 3 attempts to get a copy of all of my monthly statements with American Express. 

After hours and hours trying to navigate the phone maze, when I do get a live person, ( who is always from a far away land and is very hard to understand ) they are rude and unhelpful. 

The most recent XXXX man told me he would at least send my final billing statement. 
I could tell he was insincere and I was right. Its been one month and nothing from Amex. 

My request is to get a paper copy ( or even digital ) of each of my monthly bill as for my time as an American Express customer, and then as a Platinum Amex card holder so that I May remedy my past with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX added debts to several previous tenenats and then immediately sold them to debt collector right before closing their entire company. I didnt find out for several months until it was on collections on my credit. The new property management company doesnt have information because XXXX never transfered their information to the new company. The debt collection agency had a person claiming to be an attorney not with the collection agency telling me that the property bought back the debt and hired him. This is untrue since he is an employee of the collection agency. I proved i do not owe this debt however there is no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I was locked out of my Chime account. I tried for over an hour to get into my account without being able to. A number popped up at the bottom of my screen and asked do I wish to call I said yes. The person asked what my problem was I identified my issue and he identified himself as chime support and began to get me into my account. After I was able to see my account he began to get me to transfer funds to two individuals which he said was to verify identity and make sure it was my account. Then my money just kept coming out to a grand total of XXXX approximately. The call was then disconnected. I notified chime and initiated disputing charges. They say they didnt find any fraud. I asked to reopen dispute but show no evidence of reopening

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 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: OK

Complaint narrative:
Incorrect personal information on my Transunion, XXXX and XXXX 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
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Incorrect personal information on my XXXX, Equifax and XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I want to file this formal complaint to TRANSUNION. I sent them a letter last XX/XX/2022, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-08-08 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: NY

Complaint narrative:
I received a copy of my credit report and I'm disputing the XXXX XXXX XXXX Charged off account that is reporting inaccurately. Im requesting that you reinvestigate this account and then remove it from my credit report for violating FCRA 15 U.S.C. 1681 section 623. 

FCRA violation. Credit Reporting agency has failed to list XXXX XXXX XXXX as a disputed account after a valid dispute was sent. 

FCRA 623 ( a ) ( 5 ), FCRA 623 ( a ) ( 2 ) violation. Inaccurately reporting date of last payment and last active date as XX/XX/XXXX. Simultaneously, inaccurately reporting payments after the account has been charged off for the following months ( XXXX XXXX ), ( XXXX XXXX ), ( XXXX XXXX ). 

FCRA 623 ( a ) ( 2 ), section 605B violation. This account was disputed by consumer as fraudulent and this information does not relate to any transaction that I have made.

FCRA 623 ( a ) ( 5 ) violation. Credit Reporting agency does not list closing date for charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I leased a new vehicle from Toyota financial. At the end of the lease I purchased it and financed it through them. My Experian credit report reflects that the lease was discharged in bankruptcy. When I disputed this with XXXX, Toyota responded to them that it was discharged in bankruptcy. When I contacted Toyota finance they refused to correct this information. I explained to the agent that she could clearly see where I bought the vehicle from them but still was unable to correct this. She contacted her disputes dept while I was on the phone with her and they told her it was discharged in bankruptcy. I had previously filed bankruptcy but the vehicle was not included in the filing. This mistake is adversely affecting my credit rating and Id like this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted equifax in XXXX 0f 2020 due to my score dropping XXXX points. XXXX XXXX made a comment on my report which was not derogatory at the time because i was selling my mobile home. I contacted them and they removed the comment and equifax never put my score back. They use the same sytem as XXXX at which I have an XXXX credit score. The case number back then was XXXX. I tried to talk to someone today and they're response is they just report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
For weeks they have been calling more than 10 times a day from different numbers most starting from XXXX to after XXXX central time. They leave several messages regarding the debt that I have no relation to. Some voice messages are automated and others are not. These calls have become so excessive to the point where it is truly disturbing me, especially when I am not the person they are looking for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
Debt collector, MEDICAL DATA SYSTEMS, has violated my right to privacy and is also in violation of FDCPA 1006.30a and its rule by parking an unverified, alleged debt on my credit report ( s ) without taking the required actions. I have no prior knowledge of this unverified debt that the debt collector claims that I owes it, nor was I granted an opportunity for an initial dispute of this unverified, alleged debt. My consumer character has been defamed, and I have been subjected to higher interest rates. Please see the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: LEXISNEXIS
State: MO

Complaint narrative:
I received a letter from Lexis Nexis telling me that this item that I dispute ( bankruptcy ) it was removed from the file with LEXIS-NEXIS however, it has not been removed from Lexis Nexis, or any of the credit bruen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, reason for this complaint is my credit report does not show my 2 credit cards from Chase because they are " business '' cards. I have had 2 cards with them since around 2010 and I use and pay my cards on time every month. My credit limit between the two is approx {$95000.00}. My business is my name, I am a sole proprietor. I am personally responsible for any debt. XXXX XXXX refused to give last name ) at Chase credit bureau escalations stated that Chase only reports to my credit report if I am 60 days late. I would like Chase to report my credit card history to my credit report because I am having a hard time obtaining things like personal car insurance because I have no credit. All my vehicles and homes have been paid for for years. Even with {$95000.00} of credit cards available through Chase I can't get approved for a personal card because my credit report shows no activity. Please help. Thanks in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: FL

Complaint narrative:
On XX/XX/2023 I received a text stating : " Hi, you will now receive texts from KLS Financial Services ( a Debt Collector ) about your {$2700.00} unpaid balance with XXXX XXXX XXXX? 's call XXXX. Pmts and Info : sclk.me.PayKLS. Account XXXX '' This was not my debt. The debt belongs to an adult family member. I believe this is a deceitful email attempting to collect a debt that does not belong to me yet you email me it is " Your '' debt.

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 2023-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
I was approved for a Partial Claim and XXXX sent documents to sign which I did. 
They said the docs were notarized incorrectly so they sent me another package to have notarized. I resigned notarized and sent this 2nd package back XXXX  on XXXX XXXXXX/XX/. Now they have transferred the servicing to M & T Bank. as of XXXX XXXX and the new company is stating I am short on the escrow because of hazard insurance never being paid for renewal XXXX XXXX XXXX Why? 
Now the new M $ T Bank says they have no record from XXXX about any valid docs signed for the Partial claim and that my mortgage payments are going to be XXXX a month instead of the normal XXXXI feel as tho I am being setup for failure because they can not approve a new partial claim unless I pay the new XXXX immediately and I am currently in default. 

This is a second complaint against XXXX and a new 1st complaint against M & T Bank.

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 2023-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SandP Solutions, Inc.
State: TX

Complaint narrative:
am XXXX XXXX I been scammed from unscrupulous people of {$15.00} XX/XX/2022, taking advantage of my age and lock of knowledge of internet technology They call me with false identity, pretending to be of XXXX supervisor, telling me that all my accounts has been hacked that the scammers have my social security, my bank account and my address. 
In order to stop this I have to deposit {$15.00} cash to Bitcoin ATM.other wise I will lose everything including my house.they really scared me. 
They took over my cell phone, they did all the transfers from my savings account to my checking account, and told me to get cash from my bank to do the deposit ASAP, that they will put my money back to my account. 
This situation has cost me a lot of stress, mental, emotional, physical and Financial. at the point that I had see a XXXX to help me too over come this situation witch i am still struggling at the moment. 
Attached is all the evidence. 
Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I scheduled a procedure with XXXXXXXX XXXX  in which I paid a deposits/partial payment of {$550.00}, {$280.00} of which was charged on my Capital One Platinum Mastercard credit card. The balance was charged to my XXXX XXXX credit card. I was never given any contract or agreement until after the deposit was made and a link was provided on the invoice of receipt for the terms of patient. This agreement outlined fees and the non refundable policy. It was never made aware to me at any time before I paid my deposit this was considered a booking fee and was non refundable. I was told this was a deposit and would be put toward the cost of XXXX. I complied with all XXXX XXXXXXXX requirements in a timely manner and stayed in communication with XXXX XXXX. On XX/XX/XXXX, XXXXAfter receiving all pertinent documents and clearances, XXXX canceled my XXXX and I was informed I would charged a rescheduling fee for XXXX XXXXXXXX. This is common practice with XXXX XXXX for I learned they have over XXXXXXXX XXXX XXXX XXXX complaints very similar in nature to mine. I have filed a complaint with XXXX and FTC. I contacted Capital One and XXXX to file a dispute for the charges. I provided over XXXX pages of emails and other documents to Capital One supporting my claim. XXXX granted the dispute and credited my credit card for the partial deposit I paid. Capital One has denied my claim 3 times even after I provided additional documents they requested. I have included all relevant documents with XXXX XXXX and Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX, was placed on my property after all structures had been completely destroyed by a XXXX fire. From XXXX approximately XXXX dollars was added plus interest to my mortgage to cover a HOUSE that had been destroyed. The primary reason the home was not rebuilt was the failure of Wells Fargo to file a timely claim against an insurer who's policy was indeed in effect at the time of the disaster. XXXX XXXX XXXX policy was never contacted by Wells Fargo and my policy was reduced to just enough to clean up and continue to pay on the vacant land. Approximately XXXX dollars was added to the payoff due to interest and XXXX additions from XXXX. Despite having coverage I was still being charged for Lender Placed insurance. When the property was destroyed, my statement clearly show XX/XX/XXXX Hazard insurance XXXX $ XXXX XXXX  XXXX XXXX XXXX continued payments. The Wells Fargo Policies did not cover LAND. Wells Fargo was keenly aware there were no structures on the land from XX/XX/XXXX XXXX to payoff of the mortgage in XXXX yet added nearly XXXX in forced placed insurance. The land was not COVERED. All that existed was land. Wells Fargo made mistake after mistake after mistake in an effort to generate max profits. The CFBP penalties clearly address both of the actions present in my dealings with the WFB. I have received a mere XXXX for improper foreclosure vs. the XXXX in loses due to the lack of customer care by this bank. My complaints in this matter have been virtually dismissed and certainly not handled in a fair and just way. Please look at the record of LPI and refund those amounts as they should never of been placed on vacant land with no remaining structures.

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 2023-08-08 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Unauthorized inquiries on XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Brclysbankde XX/XX/XXXX XXXX XXXX XXXXXXXX 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 2023-08-08 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I begin to get garnished for {$170.00} every two weeks for 2 years starting in XXXX based on what Navient told me. I filed Bankruptcy in the year of XXXX and the private student loans was and still on my credit report. Please assist because I feel I need that money refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
On XX/XX/XXXX I submitted my employment verification forms for my PSLF forgiveness. After speaking with a customer service rep, I was told it would take up to 30 days to process and apply the paperwork. After 30 days have passed, I called to check on the status and was then told it could be up to 90 days and that they would get to my account/paperwork when they could. This is unacceptable as the deadline for resuming payments and interest are quickly approaching.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief