vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Had a personal loan with American Express. I paid off the loan on the companies ' web site on XXXX XXXX 2022, in the amount of {$3900.00}. 
American Express debited my checking account twice. They need to reimburse me for the incorrect double payment of {$3900.00} I have contacted American Express numerous times, including emailing the Corporate Office. At on point -- I think XXXX XXXX -- I was told a " paper check '' was in the mail and should get it in XXXX business day. Never happened. 
Several times, I was told -- including, today, XXXX XXXX -- that it was being escalated but the refund was pending. I am getting the run around from American Express! 
Case number is : XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: NE

Complaint narrative:
Upon checking my XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I discovered a fraudulent debt collection report filed by AmSher Collection Service of XXXX, XXXX. The debt claim was for a cable television account listed under XXXX XXXX at an address in XXXXXXXX XXXX that did not belong to me. The debt was assigned on XX/XX/XXXX in the amount of {$490.00}. 

I checked with XXXX and discovered that my personal information had been compromised during XXXXXXXX XXXX XXXX XXXX 

The problem I have with AmSher Collection Services is that I was never notified of the debt prior to them " parking '' that information on my credit reports with the XXXX major credit reporting companies. Amsher never contacted me by phone or in writing. I was denied the opportunity to dispute the debt and prove that it was not mine. 

I have lived in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have no connection to the address listed as XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. If AmScher Collection Services would have contacted me, as required by law, I could have disputed their claim and proved that the debt was not mine. 

I sent AmScher a debt validation letter via certified mail on XX/XX/XXXX requesting proof that the debt was mine. I also notified AmSher that they had illegally parked the false debt claim on my credit report without proper notification. Their written response was a standard form letter that did not address my concerns. 

XXXX, I received XXXX letter fro AmSher stating that if I believed I was a victim of identity theft, I could file an affidavit with XXXX XXXX disputing the debt. At the bottom of the letter was the following statement : This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

This inadequate attempt to correct their egregious error is too little, too late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: NC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/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 explanation
Consumer complaint received 2022-12-09 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: CA

Complaint narrative:
I want to provide proof to XXXX XXXX XXXX that there was no late payment made on my XXXX XXXX XXXX account # XXXX. I have already opened a case for which I received a response but, unfortunately, whomever reviewed the case missed the mistake made when XXXX posted my payment in XXXX of XXXX. XXXX sent an itemized list of my payments and when I reviewed this list, it became clear to me where the mistake was made and how it threw off the proper recording of payments between XX/XX/XXXX and XX/XX/XXXX. 
I have included a copy of my payment report, here. If you go through this report from the beginning, one payment at a time, you will see that the XX/XX/XXXX payment ( the payment that is reported as being late ) was, in fact, paid and posted to the account three days before the due date of XX/XX/XXXX. The mistake that throws everything off is in XX/XX/XXXX when the XX/XX/XXXX payment was assessed but WAS NOT MARKED FOR XX/XX/XXXX. 
Instead, the XX/XX/XXXX payment, once posted, was marked as the XX/XX/XXXX payment. 
As a result, all the ensuing payments were marked one month off. 
When I traded my car in for a new model in XX/XX/XXXX, I was told not to make my XX/XX/XXXX payment, however, XXXX was calling me that they hadnt received the XX/XX/XXXX payment so I made the XX/XX/XXXX payment anyway on XX/XX/XXXX ( well within the 30 day grace period ). Unfortunately, because of the mistake a year earlier, XXXX thought that the XX/XX/XXXX payment was for XX/XX/XXXX ( because all the payments from XX/XX/XXXX were mismarked XXXX month behind ) when that XX/XX/XXXX payment was actually for XX/XX/XXXX. That last payment on XX/XX/XXXX was even refunded by XXXX because it was considered an extra payment after my new lease. 
NOTE 1 : I need this corrected on my credit score as soon as possible as I am trying to buy a home right now and this has damaged my ability to do so by unjustly lowering my credit score. 
NOTE 2 : I don't authorize XXXX XXXX XXXX to run a Hard Inquiry on my credit score again

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 2022-12-09 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-09 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:
Equifax, XXXX and XXXX falsely put things on my credit report and threatened me to pay them, they have put debt on my accounts and put my score in the negative I have been having this problem for two years Ive done everything and still nothing has changed I made a police report and filed a complaint and I have yet to see any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
XXXX has reported to credit reporting agencies that I owe an alleged debt and that it's been charged it off and closed the account without ever verifying anything with me including sending the identity of the original creditor and an original lawful contract to validating this debt is indeed mine. This is in direct violation of the FDCPA and is a defamation of character as this information has negatively impacted my scores and caused great injury.

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 2022-12-09 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: EQUIFAX, INC.
State: MT

Complaint narrative:
XXXX has reported to credit reporting agencies that I owe an alleged debt and that it's been charged it off and closed the account without ever verifying anything with me including sending the identity of the original creditor and an original lawful contract to validating this debt is indeed mine. This is in direct violation of the FDCPA and is a defamation of character as this information has negatively impacted my scores and caused great injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
XXXX has reported to credit reporting agencies that I owe an alleged debt and that it's been charged it off and closed the account without ever verifying anything with me including sending the identity of the original creditor and an original lawful contract to validating this debt is indeed mine. This is in direct violation of the FDCPA and is a defamation of character as this information has negatively impacted my scores and caused great injury.

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 2022-12-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CT

Complaint narrative:
Several years ago me and my wife co-signed several student loans with Sallie Mae for our nephew XXXX XXXX. The loans were spread over XXXX years in excess of {$100000.00}. 
Shortly after he defaulted on the first payment, Sallie Mae began harassing me and my wife by placing robo-calls to both of our job sites. The robo-calls seemed to be happening every 15 minutes. My wife got in trouble at her job and I contacted Sallie Mae to avoid getting in trouble at my job. We lost all contact with the student ( primary borrower ) XXXX XXXX. 

While making the monthly payments, I contacted Sallie Mae and asked if they were still going after the primary borrower for collection. They said " no '', that once they have the cosigners paying they no longer persue the student for payment. So we were basically stuck with the entire student loan obligation based on how Sallie Mae does things. 

After paying for almost a year, Sallie Mae " jacked up '' the loan interest rate. Still having no contact with the student, we tried to refinance at a lower rate. This was very difficult in that most of the student loan refinancing companies will only deal with the primary borrower. We did eventually find one, XXXX XXXX, to refinance the {$100000.00} student loans. But now the loans are in our name and it looks like XXXX XXXX is " off the hook '' for any of the obligation even though he's the only one to benefit from these loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Called on XX/XX/22 to follow-up on the California Mortgage Relief Program . California sent a request for services information. I was treated very rudely by XXXX. I attempted to call the office of the customer and my POC was unavailable. I called to find out why the state is still waiting on information. I was told by XXXX that the state isnt sending everything. I asked why else they need from me and she stated getting adversarial towards me. She even sighed and said she was sick and tired of explaining things to me. I asked her can she please tell me what else is needed for the state. She got angry and started yelling at me. I then asked for a supervisor. I was transferred to XXXX # XXXX who was acting very condescending. Was continuously asking me if I was treating me fairly without answering my question. He then finally stated that LoanCare has note responded. LoanCare continuously withholds information for mortgage relief.

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 2022-12-09 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: CA

Complaint narrative:
Due to the XXXX data breach, I was informed and have verified my info was used fraudulantly. 
I had sent and called to the credit bureaus to ask that the addresses to removed because they are not my residence., XXXX XXXX XXXX XXXX XXXX XXXX a business building and XXXX XXXX XXXX XXXX XXXX, ND is a XXXX XXXX according to XXXX maps. 
I was told by EXperian they don't do investigations and wouldn't help. 
15 USC SEC 1681 ( i ) statess that I have rights to dispute and that the credit bureaus do an investigations and all info should be accurate and verifiable. 
I believe my rights have been violated. 
I am requesting the erroneous ccounts be deleted for I have never lived at those addresses or have knowledge of theses accounts. 
I have enclosed my FTC ID Theft Affidavit along with my XXXX settlemnt Claim # for proof. 
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 2022-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA

Complaint narrative:
MBA law in Texas put a collections on my credit report without any notice from them that I owed the debtXXXX XXXX XXXX XXXX Phone XXXX XXXX. This is a medical debt I know nothing about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 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: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
I submitted 2 disputes to XXXX in XX/XX/2022 regarding the inaccurate reporting of an auto loan I had with Bridgecrest. I submitted proof of the loan being paid off on XXXX. There is NO balance owed on this account. XXXX refuses to correct there inaccurate reporting. I even filed a complaint with the CFPB for Bridgecrest. On XX/XX/XXXX Bridgecrest responded with a letter acknowledging my disputes and stated they have now reported the accurate balance of {$0.00} to all credit reporting agencies. As of today XX/XX/2022, the innacurate reporting continues on my XXXX and XXXX credit reports. This a a violation of the FCRA and something really needs to be done to enforce accurate reporting. I am attaching the letter that Bridgrecest send to the CFPB. Obviously Bridgrecrest lied again did not correct there mistake even though they said they did. XXXX wont let me dispute the Bridgecrest account as they say I have already disputed it. I am also attaching a copy of my XXXX credit report dated today XXXX which clearly shows the inaccurate balance for my Bridgecrest account. Please CFPB look into these violations of the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: SECURITY FINANCE CORP
State: LA

Complaint narrative:
A creditor May not payment on a credit card account under any open end consumer report credit plan as late for purpose.

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 2022-12-09 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: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
A creditor May not payment on a credit card account under any open end consumer report credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: CA

Complaint narrative:
I ordered a copy of my report in Experian and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
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 explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2022, my homeowners insurance paid out of my mortgage escrow account in the amount of {$2100.00}. Shortly thereafter, my underwriter ( XXXX XXXX XXXXXXXX ) informed me that my payment was overdue and that the policy was going to be cancelled. 

I reached out to them ( the underwriter ) and told them I saw the payment leaving my account for that policy, but they claimed they never received the check. I first contacted Chase bank to clear this up in mid to late XXXX. The underwriter requested documentation of the bulk check they had paid along with all the policies paid on that particular check, including my own. 

Since then, I have followed up with Chase not fewer than 5 times and my insurer has still not received any documentation from the bank proving that they paid the policy. I have had to pay out of pocket to keep my home insured while over {$2000.00} from my escrow account goes unaccounted for.

Chase insists they have faxed this information to my insurer several times. The insurer received no such fax, and has received numerous other faxes during this period ( indicating their lines are functioning ) and has confirmed the number that Chase should be using several times. Chase also promised to mail me a hard-copy in the event that the faxes continue to fail. I never received said hard-copy.

I have no idea whether Chase or my insurer is at fault for this payment initially being missed, but Chase has shown no urgency to help resolve this situation and has left me having to pay double for this policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: VA

Complaint narrative:
XXXX XXXXXXXX bankruptcy XXXX XXXX XXXXXXXX bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights 15 USC 1681 section 602 A, states I have the right to privacy 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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