vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Resurgent Corporation and LVNV Funding LLC have threatened and harassed me multiple times regarding a debt they state that I owe for XXXX XXXX which I do not. At NO POINT have I ever had an account with RESURGENT OR LVNV but they have placed THREE NEGATIVE ACCOUNTS ON MY XXXX, XXXX and XXXX credit reports causing significant damage to my credit score and effecting my personal life. I have been harrassed and this experience has caused XXXX XXXX  to the point that I have been forced to take XXXX XXXX as well as I am now seeking legal help for the harassment from them. I have requested multiple documented times to receive official signed original copies of ALL contracts stating I agreed to pay the debts they are stating I owe as well as proof that they are licensed to collect debts in the state of Michigan and to no avail I have received no authentic original signed proof on there end that I owe any debt. My next step is to file a suit with 36th district court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
After paying the loan in full. Affirm added the account to my credit report with a status of late. 
Somehow this came out as verified after XXXX investigated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited {$3800.00} on XX/XX/2023. I get holds happen, it is for the purpose a very large checks that are presented, but an 8 day hold and for the entire amount which will negatively impact my account for other items presented, is overkill. I thought, at the very least, the first {$100.00} or {$500.00} was made for immediate use, but no, that wouldn't be the Truist way, they take the entire and report that my account balance is way higher than presented to be. This is shameful and personally embarrassing. What am I to tell everyone? My bank played Big daddy and tell me I am not entitled my money because they feel it belongs to them?

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 2023-04-04 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: FL

Complaint narrative:
XXXX and Experian are reporting inaccurate information on my credit profile leading to lower credit score causing me financial harm. I have submitted disputes concerning reports from Child support payments that they are reporting late that were not late and missed or late payments to XXXX  loans when XXXX loan payments were paused last year 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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WV

Complaint narrative:
XXXX XXXX XXXX $ was taken out of my XXXX XXXX account without my authorization and once again XXXX XXXX wont make it right.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section 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. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently as well. 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 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 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

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 2023-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America continues to charge my business and personal savings accounts that have had over {$500.00} for the past few months monthly service fees.

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 2023-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I felt pressured to buy gap insurance in the beginning of my auto loan. 
Also my interest rate was high and tried to lower it a few times durning my loan. I did get them to auto skip a payment each year. But that extend my loan

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 2023-04-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
After paying the loan in full. XXXX added the account to my credit report with a status of late. 
Somehow this came out as verified after Experian investigated 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 2023-04-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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

Complaint narrative:
Equifax and XXXX are reporting inaccurate information on my credit profile leading to lower credit score causing me financial harm. I have submitted disputes concerning reports from Child support payments that they are reporting late that were not late and missed or late payments to XXXX loans when XXXX loan payments were paused last year XXXX

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 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 XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section 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. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently as well. 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section 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. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently as well. 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 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 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

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has sold out to the Merchants!

Beware as they are no longer protecting the cardholders!!!! 
They used to be Great! 
Im a senior with a serious XXXX XXXX and this situation where the dentist is trying to keep my deposit is very stressful and wrong. 
Seems American Express is helping him steal my money .My friend works for the XXXX  XXXX and will be submitting my story to be published so that people are aware how American Express has changed and deteriorated. 
I have been defrauded by a Dentist and for five months they have done nothing except are trying to charge me back for services never received and Ive already paid super inflated charges by a fraudulent Dentist for the couple of services he did. 
They have evidence from 2 Reports from 2 reputable dentists and Amex is ignoring it. Amex has now outsourced the Dispute dept and its a disaster.

You end up talking to twenty different people who dont understand and can do nothing! 
On top of it My cardholder agreement gives me the right to Dispute a charge but they are denying me this right which is illegal a lawyer told me!! 
On top of it this nightmare been going on since XX/XX/2022 almost 5 months. 
My lawyer wants me to sue them. 
Consumer Financial Protection needs to investigate their unethical tactics and my breach of contract by Amex for not allowing me my right to Dispute. I have it recorded as they denied me 5 times even though they know its in my agreement. 
They have forgotten who pays them as Ive been an excellent customer of Amex over 32 years and have received no appreciation or loyalty from them. 
They sold out as I guess they figure there is more money siding with fraudulent Merchants. 
You can publish this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paramount Recovery Systems, L.P.
State: NJ

Complaint narrative:
Supposedly I have a debt with XXXX XXXX XXXX XXXX XXXX XXXX for an amount of {$1400.00} for a visit that I supposedly made which is not the case, so PARAMOUNT RECOVERY SYSTM included it in my credit report in XXXX and that the collection It was generated in XXXX of this same year, a situation that I have not generated on my part because I have paid all my bills with my different creditors, which they can verify in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
On XX/XX/XXXX Freedom Mortgage company failed to pay my property taxes from my escrow account. After receiving a delinquent notice from my tax authority via certified mail on XX/XX/XXXX, I called Freedom and they still didn't pay. I spoke with a total of XXXX different tellers who's names I have retained and was told they had sent check number XXXX. I was repeatedly given bogus tracking numbers making it impossible to research. So to avoid a tax lien, I had to pay myself. Tax Authority receipt number XXXX paid XX/XX/XXXX by myself. Now they won't issue a refund according to them for over 60 days. I'm XXXX living on Social Security and I can't afford this. They are the most ingenuous company I have ever worked with and I feel they need to be prompted by someone other than myself to refund my money. 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 explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I want a pro rated refund from credit acceptance for my XXXX XXXX XXXXXXXX XXXX. The contract states that I can be let out and given a refund but they are only given me one option when I call in to make the change. I've been trying to get outta of this loan for months and I keep reading the fine print and they won't give me my money 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 2023-04-04 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: NC

Complaint narrative:
I have ask the credited bureau to do a investigation to make sure every thing was accurate they said they did and every thing was accurate and I did a research of my own and found inaccurate on my report even after they said they did a investigation.In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name XXXX XXXX XXXX XXXX Account Number ; XXXX Account Name ; XXXX XXXX XXXX. Account Number ; 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 an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section State ; 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Approximately XXXX of XXXX, I had my identity stolen. I contacted XXXX XXXX XXXX  of this matter. There were over XXXX dollars worth of transaction made on this card ending # XXXX. I recieved a notice date XXXX that this account was closed and was not responsible for any of these. ( Charges prior to this situation I did pay. ) However, I recieved a new notice with a different card number. On XX/XX/2022 case # XXXX, I spoke with the security department and they closed out my card since I did not authorize a new card and I did receive a notice from them stating I was not responsible for this charges. A few months later I received a billing statement with these same charges but under a new account number which I never re-open an account. I called again explaining the situation with an account supervisor which she assured me it was closed. Again, it was switch to a different account without my permission. The supervisor in the security fraud department that my account was flagged as non ownership instead fraudulent charges. A year or more as gone by and now this unauthorize charges with an unauthorized new account is now in collections and the security department at XXXX XXXX is stating now I own this account.

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