vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
Dear Amsher Collections, I am writing this letter to express my dissatisfaction with your services. On XX/XX/2023, I received a notice of debt from your company. However, on XX/XX/2023, I sent a dispute regarding the debt, to which you responded but failed to provide the requested information. 

Despite my request, Amsher added tradelines on or about XX/XX/2023, stating that I owed the disputed debt and dismissed my FCRA rights. On XX/XX/2023, Amsher sent a statement but none of the the other documentation requested. Please note Amsher sent the documents after posting to my credit report, which is inconsistent with FCRA. Letter from Amsher dated XX/XX/2023, has been attached. 

As a XXXX citizen, this has caused me a great deal of stress. I have attempted to communicate with Amsher several times to have my FCRA rights recognized, but to no avail. I have included communications with XXXX XXXX, Client Service Manager. 
Amsher emailed information from XXXX, but as I originally stated, I do not owe the debt. Amsher 's actions have completely disregarded my rights and I am now seeking help from the Cfpb. I hope you will take the necessary steps to rectify this situation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
on XX/XX/XXXX, I purchased 5 suitcases and one laptop bag from a vendor in XXXX. one payment went through on XX/XX/XXXX for {$1000.00}, and then another on XX/XX/XXXX for {$650.00}. I have been going back and forth with this seller since. He messaged me on XXXX saying that the packages were stopped going through customs, in which I paid thru XXXX XXXX  which was also a scam, {$600.00}, to get them released. he then tells me that the money was never received and to try paying again even though the money was already taken out of my account. at that point, I filed a claim through paypal. it was denied. I appealed and that was also denied. I paid for products I never received and I should be refunded that money. it should be taken out of the seller 's account and put back into min. I have proof of all of it, the tracking, him giving me the tracking, everything. I hope this can get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Someone stole my wells fargo card then made fradulent charges on it. I sent wells fargo a police report & an ID theft affadavit, I have talked to wells fargo a dozen times over the phone & the person on the phone always tells me that he is going to remove the negative information from my XXXX credit report but he never removes it. 

The negative information has been on my XXXX  report for over XXXX years but it still hasn't been removed. 

XXXX tells me that wells fargo has verified this info as accurate but wells fargo tells me that the negative info shouldn't be on the credit report. 

Will you help me get this negative information removed from 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 explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Purchased a XXXX XXXX with Chase Sapphire Reserve Card because of the advertised 10x the points per dollar promotion and only received 1x the points per dollar. 

XXXXXXXX XXXX XXXX XXXX I decided to purchase a XXXX XXXX and began researching payment options and promotions. On XX/XX/2023 I obtained pre-approval for a no-interest loan through XXXX via the XXXX website for {$7000.00}. On XX/XX/2023, I went to the XXXX website and they were advertising a promotion between XXXX and Chase that between " now and XX/XX/2023 '' Chase would provide 10x the points per dollar on the purchase of the XXXX XXXX if purchased directly through the XXXX website. I opted to forgo using the no interest loan and placed an order for the XXXX on through the XXXX website using my Chase Sapphire Reserve. On XX/XX/2023 the purchase posted to my Chase Sapphire Reserve account for {$3800.00}, meaning I should have received XXXX points for the purchase. I received XXXX points. 

I contacted Chase on XX/XX/2023, and was advised that my purchase qualified for the promotion but it would take 6-8 weeks to post. 

After the points failed to post, I contacted Chase again on XX/XX/2023, and was again advised that the purchase qualified but the rep did not know why I had not received the credit and they would escalate the issue and respond within a week. 

After receiving no response, I contacted Chase on XX/XX/2023, and was told that the system showed that the issue had been escalated but the rep did not know why I had not received a response and that he would escalate it again for follow up. 

On XX/XX/2023, I received a letter from Chase advising that my purchase did not qualify for the promotion because my purchase posted on XX/XX/2023 and the promotion ( at this time ) was listed as starting on XX/XX/2023. 

I contacted Chase on XX/XX/2023 by phone and advised that the promotion was advertised as being in effect on the date I made my order and I would not have used my Chase Sapphire Reserve and forgone a no-interest loan but for the advertised 10x points promotion. I was told that even though XXXX had advertised the promotion prematurely and represented it as being in effect at the time of my order, Chase would not honor the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: MD

Complaint narrative:
I have inaccurate information reporting on my credit report. The late payments on XX/XX/2022 and XX/XX/2022 on my XXXX XXXX XXXX XXXX  cards are inaccurate and must be removed 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 2023-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Hey I purchased a car around XXXX of last year. I bought a XXXX for XXXX $ credit acceptance approved me for it. Now credit acceptance is charging me XXXX they hid additional cost from me now Im struggling to pay the loan back

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian repeatedly keeps sending me mail to the wrong address not acknowleding the correct address as they've done so before. Why they decided to adopt that address when that box has been closed since XX/XX/23 and they've been sending mail prior to, to the XXXX address as they should be. They need to fix this now! I never gave them permission to send anything to that address. Once the forwarding expires anything they keep sending there will be returned right back to them as it should be! They also keep adding the XXXX XXXX address when I've repeatedly told them to remove it that it's not valid either! They can't seem to follow simple 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 non-monetary relief
Consumer complaint received 2023-05-20 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: MI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: MI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-05-20 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: MD

Complaint narrative:
XXXX XXXX  XXXX is incorrectly reporting on my credit report. 
The account reported close and then open and then late. This account should not be reporting on my credit report XXXX credit has also been removed and XXXX put it back on my account illegally. 

XXXX also never removed XXXX XXXX XXXX XXXX XXXX XXXX are reporting XXXX auto loans and a ftc report has been filed and shown. 
15 U.S. C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b ) I have contacted my lawyer and the next step is to sue and demand monetary relief due to them breaking these very laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: MD

Complaint narrative:
XXXX XXXX  XXXX is incorrectly reporting on my credit report. 
The account reported close and then open and then late. This account should not be reporting on my credit report XXXX credit has also been removed and XXXX put it back on my account illegally. 

XXXX also never removed XXXX XXXX XXXX XXXX XXXX XXXX are reporting XXXX auto loans and a ftc report has been filed and shown. 
15 U.S. C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b ) I have contacted my lawyer and the next step is to sue and demand monetary relief due to them breaking these very laws

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 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I received an email about an outstanding balance on my XXXX XXXX account that I owed. Since it was a chaege I was not familiar with I looked through my account and didn't find anything. My next step was to contact XXXX directly and ask ahout the details of the charge. They told me the charge could not be found in my account and that i should ignore the email. I kept getting email and phone calls so I contacted XXXX through their chat services on the XXXX app and they told me once again that the charge could not be found on my account and that it would be a potential scam, so I should ignore it. On XX/XX/2023 a letter was sent to my address about a debt collection with IC System XXXX XXXX stating that XXXX sent them my overdue balance to them for collection. At this time I contacted XXXX again and they said the charge is not found in my account. Finally, they reassured me that my account is in good standing so this charge does not belong to me. I do have messages from the chat and an email I received as confirmation for proof that the charge is not on my account as well, if they are needed.

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 2023-05-20 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
on XX/XX/2023 I requested to opt out of NFCU Credit reporting which is completely in the legal boundaries and holds legal validity per 12 CFR 1016. NFCU ignored my request completely and continued to report adverse actions on my consumer credit file although navy federal made it very clear to me that I did not owe navy federal anything by sending me a letter to my house ( attached ) stating they would not attempt to collect any debts from me. do to there negligence, my credit has had a tremendous negative affect which is taking a very bad toll on my life and has made it very difficult to take care of my family and my self acquired more credit for house hold purposes. I had very high expectation for navy federal and now I am very disappointed in their unprofessional and illegal business practices. I hope this was just a mistake non-intentional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: AL

Complaint narrative:
I refinanced my home in XXXX XXXX  XXXX. We found my brothers XXXX XXXX XXXX on my report showing delinquent. We had a conference call between myself XXXX XXXX my brother XXXX XXXX and XXXX. XXXX with XXXX XXXX XXXX  company and they confirmed at that time it was my brother XXXX XXXX delinquent mortgage and they stated they would have it removed. XX/XX/XXXX I apply for a construction loan to build my home and again it is on my report making no bank want to lend money because it shows delinquent on a house I do not own.

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 2023-05-20 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: Zions Debt Holdings
State: TX

Complaint narrative:
ZIONS DEBT HOLDINGS LLC has reported erroneous account on my credit report without any prior notice of debt. I have never done business with ZIONS DEBT HOLDINGS LLC or XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: IL

Complaint narrative:
on XX/XX/2023 I requested to opt out of XXXX Credit reporting which is completely in the legal boundaries and holds legal validity per XXXX XXXX XXXX. XXXX ignored my request completely and continued to report adverse actions on my consumer credit file although XXXX XXXX  made it very clear to me that I did not owe XXXX XXXX  anything by sending me a letter to my house ( attached ) stating they would not attempt to collect any debts from me. do to there negligence, my credit has had a tremendous negative affect which is taking a very bad toll on my life and has made it very difficult to take care of my family and my self acquired more credit for house hold purposes. I had very high expectation for XXXX XXXX  and now I am very disappointed in their unprofessional and illegal business practices. I hope this was just a mistake non-intentional.

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 2023-05-20 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: IL

Complaint narrative:
on XX/XX/2023 I requested to opt out of XXXX Credit reporting which is completely in the legal boundaries and holds legal validity per 12 CFR 1016. XXXX ignored my request completely and continued to report adverse actions on my consumer credit file although XXXX XXXX  made it very clear to me that I did not owe XXXX XXXX  anything by sending me a letter to my house ( attached ) stating they would not attempt to collect any debts from me. do to there negligence, my credit has had a tremendous negative affect which is taking a very bad toll on my life and has made it very difficult to take care of my family and my self acquired more credit for house hold purposes. I had very high expectation for XXXX XXXX  and now I am very disappointed in their unprofessional and illegal business practices. I hope this was just a mistake non-intentional.

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