vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!

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 2023-10-04 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I got a call from the debt collector around XXXX XXXX on XX/XX/XXXX. He said I owed a debt which I explained I do not owe that amount. The conversation was going ok until I told him I believe that i do not owe that amount to XXXX XXXX and I am not going to pay money that is not owed. He then threatened to keep harassing me every day and to call my employer as well which is basically trying to embarrass me at my place of employment over a debt I do not owe. This is wrong on so many levels especially when I do not owe the amount claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
I have received calls from this number for another person. I called back and got a prompt to pay. I have no outstanding debt. I am not this person they are calling. I want this stopped., The number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023, I opened a Wells Fargo checking account online using the bonus offer link. After I opened the checking account, I received an email confirmation letting me know the bonus offer has been applied. In the email, it listed out my application number XXXX and bonus offer disclosure and additional requirements. Fast forward to three months later, I believe I have met all the requirements listed in the bonus offer information. When I called Wells Fargo, the representative let me know that she could not find any information for bonus offers on my account. She also couldn't access any application form for account and said there is nothing she could do. 

I have kept email confirmation for the checking account. The account history should serves well to show that I'm eligible for the bonus offer. I'm filing this complaint to receive what was set in the original terms. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2023 I acquired a credit report because I was interested in getting a loan. I found a large some of unauthorized accounts, inaccurate personal information, and unauthorized inquiries on my report with experain, XXXX and XXXX. These accounts should not be furnished on my consumer report as they are in violation!!!! Under 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX im a victim of identity theft..I was XXXX the time this account was open I have all the supporting documents far as police report, verification of release from my XXXX and verification of release from police station XXXX.I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was XXXX XXXXthank you god bless

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
Hi, This account has been open since XXXX. The account was closed in XXXX. XXXX activity was started, and LVNV bought this account as a charged off debt. This account was not closed and reported to the credit br in XXXX. It was opened in XXXX with a debt of XXXX which doesn't even match the XXXX, XXXX they are reporting. This accounts last activity was in XXXX. This account is more than XXXX XXXX XXXX. The last purchase date was on XXXX I just pulled off all of this information from XXXXXXXX XXXX portal with the order history, and description of items purchased. It needs to be removed from my account. The charge off and the XXXX collection agency reporting. Please see the submitted documents. The account needs tin be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XXXX, 2023 I, through my banks bill pay, accidentally made a payment to a closed Chase bank account. it should have gone to my XXXXAmazon Chase card. I have made repeated attempts to have this money refunded and they give me a run around. it has now been almost 4 months and they have refused to give the money back. XXXX XXXX XXXX XXXX ( my bank ) and their bill pay service have tried to assist with this, but I have yet to get the money back. I am a XXXX citizen on a fixed income and this is causing me a financial burden and stress causing health problems. I would like a solution to this problem. Neither bank appears to know what they are doing. I can't believe these people are in control of the little money I have!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have complained twice that the inquiry wasnt mines and they sent a response in XXXX and XXXX that they would remove from my credit reports and they havent

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS ORGANIZATION VIEWED at credit report and notice inaccurate information AND VIOLATIONS CORRESPONDING BACK AND FORTH FOR WELL OVER 90 DAYS FOR REMEDY TIME ALLOTTED FAILURE TO SUBSTANTIATE THE CLAIMS HAS PASSED PLEASE SETTLE ACCOUNTS IMMEDIATELY WITH DELETED NOW ASAP 15 USC 1601-6802 AND 15 USC 1667e 15 usc 1667f i have sent several letters last being XX/XX/202XXXX 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 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
I informed Smith Debnar Drake Saintsing & Meyers LLP That XXXX lied through their teeth. I had an agreement with them. I even had a XXXX XXXX scream at me over the phone. I refused to give them access to my bank account after they went in and caused over drafts fees WITHOUT PERMISSION. Other retired employees have had the same thing happen to them. They owe me {$71.00} for those fees and the hassle and stress with dealing with their employees. They cashed the checks fainal payment and paid in full. Now I don't owe {$3300.00}. Good luck you can't get blood from a stone. I barely make it as it is and we are looking at being homeless as of the XXXX of this month. XXXX charged higher fees because of my zip codes. I did not live in a wealthy suburb and got charged for it. May they and their lawyers get flat lined in the economy and have no bailouts.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank is not following guidelines for XXXX Force-placed insurance and charging individuals erroneously on flood insurance without processing a reminder notice under section XXXX 15 days before payment is required. The insurance in question is also at a rate 22 times higher than the base rate required by law - thus they are making roughly {$22.00} dollars of profit on every regular dollar of insurance being purchased - that has to be illegal and for the statement in their letters to say that if the insurance is purchased on behalf of the mortgage holder, it " MAY be more expensive '' is further illegal they should be required to say it WILL and at the rate that it is punitive.

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 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have XXXX credit card for the last several years. The account was with XXXX XXXX XXXX ( XXXX ). There was a promotional balance transfer offer of 0 % interest rate until XX/XX/XXXX with a 4 % transfer fee. I availed this offer and transferred {$29000.00}, with 4 % transfer fee, the total balance in my XXXX account was {$30000.00} Subsequent account statements from XXXX did not charge me any interest or other fees, I was paying the minimum amount to be paid as stated on the statements. 
The account was transferred to Comenity Bank in XXXX, XXXX ( by the bank, not by me ). Subsequent statements started charging very high interest charges on the balance. 
I contacted Comenity Bank at least XXXX times with whatever document I had. I contacted XXXX to provide additional documents. However, XXXX said they don't keep any documents when the account transfer happens. All documents are with the new institution. 
I submitted my email of confirmation of the balance transfer with the promotional offer, I submitted the last XXXX  statement where no interest charges or fees and the first statement from Comenity Bank where interest charges started. Still, Comenity Bank came back that the charges are right. There is not enough proof of the promotional offer. 
If XXXX did the transfer of my account to Comenity Bank, it should be Bank 's responsibility to keep all the information and provide right treatment. Even after I submitted enough proof, Comenity Bank came back that it is not enough. 
I am with high stress because of this injustice. Would appreciate help. If you need any information, I will be happy to provide whatever I have and that should be good enough. I have attached the confirmation email of the transaction completed with the promotional offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Im a new banker at Bank of America I went in to deposit money into my account and I experienced race discrimination it was two lines one for business and one for personal it was no teller at the personal line so I went in the business line I was called to the window and the teller happen to be a XXXX woman Im a XXXX XXXX woman she says to me this is a business line personal is over there I said so you cant help me?? She says this is for business only so I was fine with that but as Im walking away she call the next customer which happen to be a XXXX  male that has a personal account just like me and she helped him with no problem I then asked for the manager I was pointed to her and approached her about my experience she didnt apologize or anything the manager said the bank teller helped the male that was behind me with the same account that I had the rules should apply to everyone I had to go out the line after waiting 20 to 25 minutes with 4 people in front of me which mean more time waiting the manager co signed on a employee 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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
In accordance to the fair credit reporting act this creditor as violate my rights. Under 15USC 1681 section 602 clearly states I have the right to privacy. 15USC 1681 section 604 section 2 it also states that a consumer report agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on an account under an open consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: IL

Complaint narrative:
XXXX XX/XX/2023, Financial Student Aid approved and letter was received XXXX XXXX. The agreement stated that the repayments were to start on XXXX XX/XX/2023 for the amount of {$180.00}. Mohela sent a bill on XXXX XXXX that stated that I was required to pay {$340.00} starting XXXX XX/XX/2023. I contacted Mohela on XXXX XXXX and received a callback due to high call volume at XXXX. I relayed my issue with the customer service agent and was subsequently transferred to another agent who related that they see the documents from FSA as well as the subsequent bill from Mohela on my account. The agent them related that I needed to reapply for an IDR which I refused and asked why the SAVE IDR agreement was not being honored. The agent refused to provide an explanation. I requested information in writing as to reason for the rejection of the FSA agreement. The agent placed me on hold and then returned stating that they will resubmit my IDR in their system and place my account on hold so that I do not have to pay the escalated amount in XXXX. I was also advised that my IDR from FSA may not be honored in the future. I advised the agent that this is possibly illegal practices and that as a servicer they are required to honor agreements from FSA and such threats should not be made. I advised agent that CFPB will be notified of this interaction as well as FSA and an ombudsman.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I filed a police report and an FTC report. I have submitted this paperwork and disputes to the credit agencies and is not getting processed correctly. I also am not getting copies of the verification process according to the FCRA>

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit profile. ive noticed alot of illegal iformation that has been listed on my credit repot. these errors are on all XXXX credit files an Neds to be removed, deleted an investigated for fraudulent posting. this has caused alot of denials an mislead data to my files an I need my credit report to be reviewed an remove all listed items that are negative an hindering my credit report asap.

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 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX Bank of America decided to close all of my accounts suddenly. No reason was given. I appealed on XX/XX/XXXX but that was denied. 

In total - 10 accounts were closed. 
1 personal checking 3 business checking XXXX children savings accounts XXXX child checking account No reason was given. I was locked out of my accounts and unable to withdraw any funds and I am still waiting for my funds to be returned to me. 

No communication or notice was given by the bank. I called the bank when I found that several transactions were all of the sudden being declined despite funds in my bank account. 

The accounts were all current, not overdrawn and I had been a customer with Bank of America for over 10 years and never had any issues like this before.

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 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express ( AmEx ) makes it incredibly difficult to pay the guest fee when bringing a companion to one of their XXXXXXXX XXXX. While they advertise the benefit of XXXX XXXX access prominently and call out on both their website and affiliate sites that guests can enter as well if you pay {$50.00}, they do not state that the only way to pay that fee is with a *physical* AmEx card. 

As someone who got the {$600.00} / year Platinum Card today with the explicit intent of using that lounge benefit with my companion *today*, I was extremely disappointed to find out that there are very few ways to pay the {$50.00} guest fee. They do not state that you can't pay with an AmEx card digitally ( e.g. via XXXX XXXX ), that you can't pay with any non-AmEx cards, or that it's somehow prohibited to XXXX {$50.00} to someone in line with you for them to use their physical AmEx card to pay your fee*. I downloaded the AmEx app and had my new card approved, active and registered both there and in XXXX XXXX. Because my physical card- which is also my only [ and likely last ] AmEx card -is still in the mail, I was unable to pay for guest access. 

Faced with a situation that AmEx had not prepared me ( or themselves, apparently ) for, their poor customer service and disregard for the consumer was jarring. None of the front desk staff nor manager were conciliatory or tried to help us find an alternative solution. We stood at the front desk for an *hour and a half*, searching for a solution and calling AmEx customer support, before the manager grudgingly allowed us to enter. 

Very disappointed with AmEx, their advertising practices, lack of user-friendly payment options, and customer service. 


*They do mention that soliciting AmEx cardholders for lounge access is prohibited. But making a friendly deal with someone completely separate from AmEx to first provide *them* with the money to pay your guest 's fee ( using *your* Platinum Card benefit and *your* boarding pass for the actual access requirements ) is *not* " soliciting someone for access ''. It's asking for help navigating obsolete and absurd payment requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I want these accounts to be removed from my credit because they are not mine and they are negative, they hurt me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief