vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I authrized a payment of {$43.00} on XXXX acct # XXXX when XX/XX/XXXX came I found out that my promotional rate had ended taking my {$800.00} balance to {$2800.00} I was very upset to hear this information since I had just paid the bill on XX/XX/XXXX and no letter no email was sent to inform me of these upcoming changes. After learning of these new charges I CLOSED the account without payment on XX/XX/XXXX and to this day never authorized or consent to any payments or payment arrangments on said account. XXXX then started Reporting on XX/XX/XXXX on my credit file payments made from XX/XX/XXXX till XX/XX/XXXX then the account went back into 30 days late status on XX/XX/XXXX the account reached charged off status on XX/XX/XXXX then XXXX started reporting additional payment made from XX/XX/XXXX thur XX/XX/XXXX after the account had been c/o and sold. I have reached out to XXXX several times in regards to this issue and they have continued to make minor changes to my report giving it a updated status when the issue has never been addressed which is ( WHO AUTHORIZED/CONSENTED ) to these payment that's been applied to my account without my consent I have never contacted XXXX to this day about payment when I asked XXXX who how these payment came about they have never addressed my concern only directed me to the debt buyer ( XXXX  ) my concern Is not with who owns the debt. But the information XXXX is reporting on the original debt that only XXXX has reported not XXXX..By XXXX reporting such payments received has ILLEGALLY changed my date of first delinquency and is FALSELY manipulating the statue of limitation on how long a lender can report a debt. not only that XXXX has flipped flopped so much information so many times including changing my first date of delinquency from XX/XX/XXXX to XX/XX/XXXX from a charged off account to repo account and back to c/o account after certifying with the three major credit bureaus all information is accurate and true each time admitting one of XXXX reps made an error in reporting my information still refuse to delete the trade and still to this day can't explain to me how these payment came bout without my knowledge or consent I have also reported XXXX  for FRAUD, WASTE, MISCONDUCT so that this matter can be investigated to the fullest of the law. I am the solo owner of this account and I mad no such payments never agreed or consented to many payments, payment arrangements made after XX/XX/XXXX in the amount of {$43.00} which in fact would make my first 30 days late XX/XX/XXXX .... how did these payment come about on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have hard inquiries on my consumer report that I don't recognize : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX IN, XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA, 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 2022-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I was recently looking at the credit report that my loan officer pulled and there is a huge discrepancy being reported about this CMRE FINANCIAL SERVICES account. I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights. It is not correct to manipulate the reporting by increasing the balance they say that I owed even though they havent shown documentation. I directly contacted them countless times but I did not hear anything from them. Based on the report that was generated the original balance is {$1700.00} but as of this writing, it is now reported to be {$3000.00}. As far as I know, I never agree to any terms and conditions for this reporting nor I did not agree to any interest that will be assessed on this account. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and altering my true creditworthiness. Im escalating this matter to your office to have this matter resolved in the right manner. I believe that you can correct this error as Consumer Financial Protection Bureau is not tolerating such incorrect reporting that damages consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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:
On XX/XX/2022 I sent a certified letter to the 3 credit agencies requesting that they verify a bankruptcy claim that is listed on my credit report with them. I also contacted a United States Bankruptcy court in my state to find out if they were reporting this said Bankruptcy. I received a letter from the local United States Bankruptcy Court that they do NOT report any items to any credit agency and that Credit Agencies use 3rd party vendors to obtain public information. I then received a response from all 3 credit agencies in XXXX " validating '' the bankruptcy information but did not state how it was verified. I then sent another letter requesting a reinvestigation and the steps and companies they used to validate such information. All 3 responded that they verified the information via XXXX. 

I contacted XXXX directly and asked for a complete report of all the information they retain under my name, date of birth, social security number and address. 

On XX/XX/2022 I received the XXXX report and they do not list ANY bankruptcy, which is contrary to all 3 credit bureaus claims and re-investigation into this matter. I have attached the proof of my XXXX report, specifically page 27, where liens, judgements and civil filing records are reported. 

I have attached the complete report for the review and as proof that no such information exists under my name with XXXX and therefore should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681 a.1.a : States that any item that's being disputed must come off 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 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My original loan amount taken out on XX/XX/XXXX was for {$670000.00}. The new loan amount is now {>= $1,000,000}. Because my loan was a Negative Amortization aka Neg-Am ARM Loan which was deemed illegal as per the XXXX Dodd-Frank Act because it contained both an Interest Only component and the Neg-Am component in which all lenders were required to modify ALL Neg-Am loans because of the Taxpayer Bailout banks and finance companies received during the XXXX Economic Collapse. It was determined that many banks and finance companies did not follow these required instructions and it appears my loan could be one of those loans because there is no way my loan balance would have almost doubled from XXXX to XXXX. I understand the bankruptcy would have increased my loan balance owed due to unpaid interest, late fees and unpaid Escrow Account to pay property taxes and homeowners insurance but there is no way it should have resulted in my new loan balance being {>= $1,000,000}. The only way this happens is because the loan still has/had an Interest Only and Neg-Am component along with unpaid interest, late fees and unpaid homeowner 's insurance and property taxes. 

My most recent Loan Modification was requested and denied on XX/XX/XXXX I believe it was based on my new loan balance of {>= $1,000,000} which makes it impossible for me to meet the DTI ratio requirement to qualify nor be able to make the new monthly payment. 
It is my understanding that you have the power to halt a foreclosure while its investigation is underway as well as force the lender to offer the Loan Modification relief that should have offered between XXXX XXXX which could include a very large principal reduction. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XX/XX/2022 I tried to make a withdrawal at the XXXX ATM in XXXX, Ar located inside the XXXX for {$100.00}. The ATM only dispensed {$20.00} and gave an error message. I immediately called the cashier over and he grabbed his boss. She informed me that the ATM was a third-party ATM and I would have to call XXXX. I reached out to XXXX  and they immediately informed me that the money was reversed over to chime due to the error. I have called Chime numerous times and am either hung up on by the reps, asked the same questions, and sent the same generic email with no update. This was not an error on my end and it has caused me to be delinquent on bills I have set up in this account. They will not release my funds or give me an update. This is not right. The money was reversed the same day and we are almost at a month. I have called over 50 times and sent various emails, reached out on XXXXXXXX XXXX, etc. Many people have reached out to me with the same issue with Chime. This could have been resolved same day with a simple call or email to verify with XXXX. I believe Chime holds these funds for 30 days to make their profits/interest accrue for the month while putting their consumers in tight situations. XXXX  '

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I was recently looking at the credit report that my loan officer pulled and there is a huge discrepancy being reported about this FIDELITY CREDITOR SERVICES account. I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights. It is not correct to manipulate the reporting by increasing the balance they say that I owed even though they havent shown documentation. I directly contacted them countless times but I did not hear anything from them. Based on the report that was generated the original balance is {$1400.00} but as of this writing, it is now reported to be {$1900.00}. As far as I know, I never agree to any terms and conditions for this reporting nor I did not agree to any interest that will be assessed on this account. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and altering my true creditworthiness. Im escalating this matter to your office to have this matter resolved in the right manner. I believe that you can correct this error as Consumer Financial Protection Bureau is not tolerating such incorrect reporting that damages consumers rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc.
State: IL

Complaint narrative:
Calls From Client Service I keep telling them to send the debt thru the mail and do not contact me anymore unless its thru mail or email everytime I tried to tell client service this they hang up on me in the middle of the conversation and calls me the next day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
Mid South Adjustment Company contacted my employer to verify employment, I am actually the office manager so I am the one who took the call, I let them know it was me they were speaking to. They refused to tell me what the call was regarding transferred me to a different department and continued to ask for my address and date of birth, I refused to confirm any of my personal information unless they could tell me what the call was regarding. They would not tell me anything in regards to what type of company they were or why they were calling. I than googled the phone number and came across the article stating they were a debt collecting company and there have been ongoing complaints for harassment. They have not contacted me via my own personal number ever one time, so I find it extremely un professional and violating to contact my place of employment. I would have been more than willing to discuss whatever the matter may have been however they refused to even tell me what the call was even regarding without giving personal information. It is definitely a violation and I do not want this harassment to continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: FL

Complaint narrative:
Have mailed out several letters stating to the Credit Reporting Agencies of Tragic Event of Fraud And Identity Theft Being A Very Serious Cause Towards My Account Was Ignored Or Falsely And Unlawfully lied to about Accounts being reported is My Contract obligations of me owing debt with no written instructions or WET INK SIGNATURE stating approval for access to accounts and proper verification before opening accounts. The Credit Reporting Agency Which This Complaint is Addressed to continues to violate my privacy right and ALSO it continues to REPORT FRAUDUALENT ACCOUNTS WITH NO PROPER VERIFICATION, VALIDATION, OR CONSENT. AFTER BEING INFORMED multiple times through mail that accounts are fraudulent the CREDIT REPORTING AGENCY continues to report fraudulent claims and debts which consists of the CREDIT REPORTING AGENGY ASSISTING AND PREMITTING/ OR INVOLVED IN DOING IDETITY THEFT OR FRAUD ON CREDIT REPORT AND PUBLIC RECORDS.

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 2022-06-07 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: DISCOVER BANK
State: IN

Complaint narrative:
I entered into a Consumer Credit Transaction with DISCOVER BANK on XX/XX/XXXX in which I used my social security card, commonly known as a credit card pursuant to 15 USC 1602 ( l ) which is tied to an open end credit plan pursuant to 15 USC 1602 ( j ), according to 15 USC 1666b, creditors can not mark late payments on open end consumer credit plans. Further more according to 15 USC 1681b ( a ) ( 2 ) I never give DISCOVER BANK any written permission to furnish any information on my report. Further more pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) late payments and utilization which are defined as transaction or experiences are not to be reported on a consumer report. DISCOVER BANK is illegally furnishing information which is causing me great stress, and financial harm. I sent out a dispute letter on XX/XX/XXXX, in which I gave them 14 days to respond upon receipt of the letter, which they received on XX/XX/XXXX. It has been 14 says and they have failed to make any changed to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
To Whom It May Concern, CB/Victoria 's Secret is currently reporting erroneous information on my XXXX credit report. The debt was purchased by another lender and subsequently paid, however XXXX is still reporting a {$330.00} balance. 

I have contacted both CB/Victoria 's Secret and XXXX directly XXXX and to date they have not corrected the error. This erroneous debt reporting is causing me to be denied for credit and needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, former acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX balance the company says belongs to me doesnt in the amount of {$1200.00} ] THIS ACCOUNT DOES NOT BELONG TO ME I HAVE DISPUTED THIS IN THE PAST WITH THE ORIGINAL COMPANY ( XXXX  ) XX/XX/XXXX XXXX {$1400.00} balance the company says belongs to me is inaccurate/settled THIS ACCOUNT HAS BEEN SETTLED!! 

XX/XX/XXXX Accnt type : CREDIT CARD XXXX XXXX {$3800.00} balance the company XXXX XXXX claims belongs to me and it doesn't XX/XX/XXXX XXXXXXXX XXXX  HARD INQUIRY PULL i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XXXX XXXX XXXX i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX  XXXX XXXX I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX THIS ACCOUNT HAS BEEN SETTLED!!

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 2022-06-07 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:
On XX/XX/XXXXXXXX XXXX XXXX XXXX  balance the company says belongs to me doesnt in the amount of {$1200.00} ] THIS ACCOUNT DOES NOT BELONG TO ME I HAVE DISPUTED THIS IN THE PAST WITH THE ORIGINAL COMPANY ( XXXX  ) XX/XX/XXXX XXXX {$1400.00} balance the company says belongs to me is inaccurate/settled THIS ACCOUNT HAS BEEN SETTLED!! 

XX/XX/XXXX Accnt type : CREDIT CARD XXXX XXXX {$3800.00} balance the company XXXX XXXX claims belongs to me and it doesn't XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XXXX XXXX XXXX i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX  XXXX XXXX I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX THIS ACCOUNT HAS BEEN SETTLED!!

Company response to consumer: Closed with explanation