vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 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: CO

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Glass Mountain Capital, LLC
State: CA

Complaint narrative:
No communication with me ( alleged debtor ) Company acquired my work contact illegally.

Contact has nothing to do with any financial contracts, they are a work colleague.

Company keeps calling my contact and leaving voicemails for me. 
If I call that number they will report the debt to reporting agency and state that I called them confirming acknowledgement when I was only trying to call them to stop them harassing my contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: TN

Complaint narrative:
Prior to my previous complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2021 sent to your company. In request blocking the collection account and removing from credit report. After reviewing the information from the collection agency, Im aware that the agreement ( s ) provided by the collection agency supporting documentation doesnt bears the signature of the alleged debtor wherein he/she agreed to pay the creditor/lease nor the following address on file for alleged debtor is incorrect. ( XXXX XXXX XXXX, XXXX, TN XXXX ) For further review, Ive attached my social security card, identity theft report, paystub and debt validation letter as it reflects my current addresse ( s ) and identification as my supporting documentation. 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 non-monetary relief
Consumer complaint received 2021-11-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Services did what needed to be done. Phoenix I have sent both letters to XXXX and XXXX credit bureaus and they still haven't deleted off my report. I know you have sent them letters as well because you stated in the letters. I have sent them so many letters and still not deleted off my credit. Phoenix since you the one reported to them can you please reached out to them. I also made a complaint against XXXX case # XXXX with the Consumer Financial Protection Bureau stating they will be doing a investigation and I have to reached out to the creditors. I have reached out to them. I did and compliant against the XXXX as well with case # XXXX and doing investigation. I am attaching the letters you have sent me on XX/XX/2021. Please called or send them a demand letter to deleted this. Account numbers are XXXX, XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: PA

Complaint narrative:
My name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. Im stressed and cant believe Over 90 days ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I read on my statement that my interest rates would be increasing ( 24 % ) based on my credit score. My credit score has risen to almost 700 in the past year. I have another AMEX card with a 14 % interest rate with no increase. I tried to contact the company, but they stated that they don't know why this happened and there is nothing they can do about it. 

The terms the credit card company and I have not changed over the last three years. This is an apparent mistake on the credit card company, and they do not want to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK
State: OR

Complaint narrative:
I defaulted on a HELOC In XX/XX/XXXX. The account was charged-off in XX/XX/XXXX. My last payment on the account was XX/XX/XXXX. Since that time I have attempted 4 times to settle this account. Each time I was denied. The statute of limitations In California for a written contract is 6 year has now expired. I called the bank on XX/XX/XXXX And spoke to a customer service representative at approximately XXXX XXXX. I was informed that the statute of limitations has run out and they were unable to collect the money. I requested my account number which after being transferred for 4 times the account number was provided. This statement was from XXXX. I was provided a copy of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
on XXXX XXXX, I SENT SOS GROUP DBA HEAD MERCANTILE CO , INC letters about some alleged debts of the following:XXXX ; XXXX and XXXX that i do not owe. i never done business with them nor owe them this amount. also they gave my information to a lawyer acting as a debt collector trying to sue me which is against the law. 15 USC 1692e states : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
automatic payment was set up with 5/3rd Bank , however, payments were not withdrawn. i also requested payment book, and have not received. Bank reported that payments have not been received, and reported to credit bureaus. i do not have a history of non-payment on this vehicle or any other account, but now i do due to 5/3rd not processing my automatic pay correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: NJ

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Lender : Credit Acceptance Reasons For Complaint : Deceitful Practices, Improper Payment Practices, Impractical Payoff Process, Failure to provide Refund per contract, Failure to Return Over payment per contract, Misleading Costumer Service. 

This company has policies that make it impossible to pay off your car loan. They cap the amount you can pay at a Time online, and they also like to return a refund payments for no reason also there have been payments of mine that have gone missing and I believe that I had to pay this car off twice. On XX/XX/XXXX I made my final payment to pay off the payoff quote which they only allowed to be good for 24 hours thus having caused me to have to scramble within those 24 hours to make the payments on time. They claimed that I did not make the appropriate mark on the form saying that my Gap refund amount be included or not but I did however do what I was supposed to do to properly close the loan. The lady on the phone misled me into doing it again getting a different charge off quote for what was already basically paid for that didn't reflect in the system thus forcing me to have to pay it again to close off my loan that was on XX/XX/XXXX they waited the exact 20 days to release my loan my title however I have not gotten the extra payment I was forced into making or my Gap refund back and now I can't even get a hold of them on the phone or find it get any access to my payment history. They have lied to me I've been jumping through their hoops this whole time they charged me outrageous interest rates and the people on the phone lie they are rude and they still haven't given me my money but whenever I pay late which I never have I would have been charged I outrageously ridiculous amount but yet they can't pay me per their own contract my money back that they forced me into paying over.

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 2021-11-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
I submitted my loan mitigation applications on Flagstar Bank on three different occassion this year XXXX. I have resubmitted new documents to start the process over again in XX/XX/XXXX. Now the company is calling advising I have missing documents each time and going back to look at previous applications I have submitted. I feel like the company is dragging on the process intentionally. My forbearance ended on XX/XX/XXXX and I was advised by rep that I was on a disaster forbearance until XX/XX/XXXX. However each week I get a call from Flagstar Collection dept for payment and then the reps advise that I am not due for payment. I want to keep my house but their process with loan mitigation has rethinking my decision. I need assistance from CFPB to look further into the process with FLAGSTAR BANK Loan mitigation process. After researching I saw that their organization was previously doing this to customers and their was a lawsuit XXXX. I have attached all the documents that I uploaded to their website and necessary documentation check stubs, hardship letter, complete loan modification forms, HO fees, current utility bill, letter of explanations as requested by Flagstar Bank. Please help me resolve this issue.

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 2021-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I enrolled in Autopay for my Amazon Store Card on XX/XX/2021. In the email sent to me by the company confirming the enrollment, Amazon.com Store Card Services said : " Payments will be deducted from your XXXX XXXX XXXX, XXXX account ending in XXXX on your payment due date. Continue to make regular payments until you receive confirmation in your billing statement that the Autopay program has been established. '' I received no such confirmation. No billing statement was issued. My billing statements are issued on the XXXX or XXXX of each month. 

On the payment due date, XX/XX/2021, I searched the Amazon.com store card site to verify that no payments were pending. The site indicated no pending payments. Therefore, as directed by Amazon.com Store Card Services, on the payment due date I made a regular payment in the amount of {$300.00} ( the same amount as the requested automatic payments. ) The payment posted successfully and was withdrawn from my bank account on XX/XX/2021. 

I woke up on XX/XX/2021 to find that the Amazon.com Store Card processed another payment via Autopay for {$300.00}. I'd had no email confirming this payment and there was nothing on the Amazon.com Store Card site indicating that this payment was scheduled. While the Amazon.com Store Card site indicates that both payments posted on XX/XX/2021, my bank account indicates that the payment I made manually on XX/XX/2021 was successfully processed on XX/XX/2021 and the payment made via Autopay was received for processing XX/XX/2021. 

As a result of this, my checking account was put in overdraft. The overdraft generated a {$35.00} fee from my bank. I'm also left in a very precarious financial position as I have a strict budget. 

I contacted Amazon.com via live chat and the agent, XXXX XXXX, was very apologetic, but ultimately completely unhelpful. The only recourse I was offered was to have a check for a refund of the overpayment mailed to my home address which would take approximately 15 days. 

I am very upset because the processing of this Autopay payment was in direct contradiction to the email I received confirming my enrollment in Autopay. That email is attached as a screenshot.

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 2021-11-05 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: CA

Complaint narrative:
I received a copy of my credit report. I noticed unauthorized inquires on my report from several creditors. I contacted the creditors and was told to contact the credit bureaus to dispute and remove inquiries. The credit bureaus then told me the creditor can only remove it with a written statement. I then contacted the creditors and was told they do not send written statements to the credit bureaus to remove the inquiries

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 2021-11-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a copy of my credit report. I noticed unauthorized inquires on my report from several creditors. I contacted the creditors and was told to contact the credit bureaus to dispute and remove inquiries. The credit bureaus then told me the creditor can only remove it with a written statement. I then contacted the creditors and was told they do not send written statements to the credit bureaus to remove the inquiries

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 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Asset Management Systems Inc
State: GA

Complaint narrative:
Over the course of the last month, a variety of individuals from Financial Asset Management Systems based in XXXX, Georgia have called my cellular telephone number more than 100 times from a variety of masked telephone numbers identified as potential spam calls. Each time I have answered, they inform me they are calling to discuss a personal business matter and advise me that before they tell me what the personal business matter is I must confirm for them Personally Identifiable Information ( PII ) such as my date of birth or residence address. When I advise the callers that I will not confirm the PII, they tell me that they will send a letter but can not discuss any information without me first providing the PII. 

I am filing this complaint now because the frequency and insulting nature of these calls continues to increase. First, as of this date I have never received any written correspondence from Financial Asset Management Systems, despite their repeated statements that they have sent such. Today, I received a call from a Financial Asset Management Systems employee who identified herself as XXXX XXXX, who followed the same script as her colleagues in asking that I provide ( confirm ) PII. I advised her I would not and told her that I have repeatedly asked their representatives to send me written correspondence if they believe there is a legitimate matter to discuss with me. She insisted they have, and told me they sent an initial letter that she was looking at in the file. When I told her that I had never received anything and questioned the legitimacy of their inquiry, she decided to add an unwarranted insult by saying that, If youd take care of your personal business matters we wouldnt have to call you every day before hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX a series of about 24 transactions totaling over {$10000.00} occurred on my Wells Fargo Debit card ending XXXX. I filed a claim on XX/XX/XXXX and found it was denied on XX/XX/XXXX. Claim number was XXXX. The majority of the charges were only discovered after seeing a series of 4 charges on the XXXX each for {$500.00} from XXXX which I do not use at all. I then went through my history in detail to see if anything else was suspicious and noticed numerous online merchant charges not made by me across these months from merchants in XXXX and other overseas locations. I have never used or interacted with any such merchants before and I have had claims in the past that were approved for similar if not the same international merchants. But this time they just denied the claim and as a result, I am unable to pay for anything since I am out so much money now. The merchants charged my card internmently and in amounts in the low hundreds to high hundreds and all accross this broad date range and since I hadn't made it a habit to check every day and since I never received alerts or text notifications, I never spotted the fraud. Wells Fargo claims it's consistent with my pattern of use but it definitely isn't since I have successfully complained about such charge types on previous accounts with them and they say some of them require one time passcodes sent to my number to work, but I never received any passcodes. Most likely my card info and phone was leaked online and probably the texts were being sent in some way that masked the number as my number and so i never actually received those texts if that is what happened. I am the victim of large scale fraud, and I demand an appeal of this and refund of my money to my account. The suffering here is real and I can't let this go.

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 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to contact Transunion because I paid down some of my bills but instead of raising my credit score then lowered it by -27 points while the others raised my credit score, I tried to contact them but the website never logs you in as there is always a problem with it no matter what, I have tried calling but no luck. They by far are the worse credit reporting agency. All I want is my credit raised as where it should be for paying all my bills on time not being penalized, like Transunion has done ( -27 ) that is wrong that I pay down my debt and they lower my credit score by -27 points. How can this be? How do I get them to fix 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 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
Comenity Bank has called me 3 times so far today, XX/XX/21. I answered the 3rd call at XXXX CST and told the person to please not call me while I am at work, from XXXX. The caller told me that I could just put my phone on silent. I responded and stated that it is my right to request that I not be bothered while I am at work. The caller responded to this by saying " or you could just pay your debt and we wouldn't be calling you. '' I responded by stating that I was going to file a report for harassment.

Company response to consumer: Closed with non-monetary relief