vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
- Received debt collection notice dated XXXX XX/XX/2020 from Commonwealth Financial Systems , Inc. Point of contact, XXXX XXXX XXXX. XXXX, XXXX. 
- Amount claimed : {$2500.00} - Offered a 25 % discount if debt was resolved within 45 days after the date of the debt collection notice. 
- Provided a notice of dispute to Commonwealth Financial Systems dated XXXX XX/XX/2020. Cc 'd notice to AG of Florida, Pennsylvania, Virginia, and Georgia. 
- Received notice from Pennsylvania AG dated XXXX XX/XX/2020, as provided to the AG by Commonwealth Financial Systems , Inc. Point of contact, XXXX XXXX , Legal/Complaints Admin, Ext, XXXX, XXXX. Notice from Commonwealth Financial Systems , Inc. advised account was closed and a deletion request had been sent to the three ( 3 ) major credit reporting agencies to remove the tradeline from credit report. 
- The inappropriate and fraudulent actions by Commonwealth Financial Systems , Inc. negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NY

Complaint narrative:
Switching balances with other accounts bank app said updated 53 years ago All MasterCard

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian dropped my XXXX score by XXXX points for no reason. I have provided information from their website and it clearly states in the comments that the things they pointed out were to help my credit.

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 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NV

Complaint narrative:
This company has already been removed once due to being false a few / couple years ago and it has appeared again.. I am unaware of this account and it needs to be moved 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 explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In XXXX, I disputed a credit card debt for XXXX XXXX XXXX. The credit card account was removed from all 3 major Credit Bureaus. However, a collection account from LVNV Funding LLC surfaced on my 3 credit reports in XXXX. I successfully won another case in XXXX with LVNV for a different account with the same creditor and that collection account was removed. I attached a copy of the ruling. I have disputed this account multiple times with XXXX, XXXX, XXXX, as well as, LVNV and all they provide is a statement, but no proof of the account belonging to me. I am requesting you investigate and have this collection account removed from my Credit reports please. 

Account Number : XXXX Collection opened : XX/XX/XXXX Collector : LVNV FUNDING LLC Original Creditor : XXXX  XXXX XXXX  XXXX. 
{$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Amex, you charged me interest even though my auto pay went through successfully and I have it set up to pay the statement balance in full. I'm so sick of fighting with you through these complaint websites. How about you cough up some customer service?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: NY

Complaint narrative:
I XXXX XXXX the CONSUMER and NATURAL PERSON sent a letter to Equifax on XX/XX/XXXX disputing 7 different accounts that are being reported negatively on my consumer credit report. I wrote the account in detail so there would be no confusion as to what accounts I am speaking about. I wrote to them concerned because I believe they're violation my right pursuant to 1681b ( 2 ) because I never gave them written permission to furnish these private consumer transactions. So I asked them to provide me proof that I did and gave them 30 days to provide that information to me to look over. I believe they're also in violation of 1681a ( 2 ) ( B ) by including an approval of an extension of credit. Please help me with the situation being that it has been very hard to get to my life after Corona Virus hit us all so hard this past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Hello - I received a predatory call from Great Lakes Educational Loan Services , Inc. where they posed as my student loan servicer and received my personal information before I figured out they were not who the actual loan company. The agent was quite rude when I questioned his intent and got verbally abusive on the phone. Now, after this contact I'm concerned that they may use the information I provided for means that I do not approve. 

I do not appreciate their deceptive rude tactic and would someone to reprimand them for these practices. 

This practice of calling a list of people with student loans is very tricky and disturbing. 

Company info based on the phone number XXXX search match. 
Great Lakes Educational Loan Services , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XX/XX/2021 I deposited a XXXX check into my USAA Checking Account. The first XXXX of the deposit was made available immediately. A hold was placed on the remaining XXXX leaving my family and I stranded out of town without fuel, food, diapers or formula. XX/XX/2021 contacted USAA and requested they release the hold on the XXXX. USAA refused to release the funds and further advised they would keep the hold on the XXXX until XX/XX/2021. 
It would be reasonable to place a hold on a XXXX or XXXX check but it is certainly unreasonable to place a 7 day hold on XXXX for an electronic deposit that can easily be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My score dropped 53 points because I paid down on an account. I thought the idea was to have low debt in order to achieve a higher score. I feel this is wrong.

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 2021-06-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone stole {$1000.00} from my chase account. Paid themselves through XXXX. Chase claims refused to issues my money back because they said they can't verify it either way. It others words they are saying I'm lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My wife and I were renting an apartment while our house was being built. When our house finished, we termed our lease, paid everything we owed in full per what the apartment management company sent, and moved out. About four months later, I received a collection notice that we did not pay a utility bill we never received. I immediately went and paid it. The management group agreed that it was their mistake but it reflected negatively on my credit report. I called the collection agency, had the management company on the phone to agree it was a mistake and to remove the collection and the collection company refused. They said there was nothing they could do. I have never once been late on a mortgage payment, credit card payment or any student loans I have owed. I have paid off all my cars, my credit cards every month and my student loans. The only debt I hold is a home mortgage and investment properties and have never been late or delinquent on a payment. However, my credit score is a sub XXXX. I used to be in the XXXX to XXXX range. That credit score has made it impossible to refinance at lower rates or get any new loans for investment properties at current rates. I have to pay higher for points. I need help getting this fixed so my credit score goes back to the 750+ range

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 2021-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On or about XX/XX/2021 I sent the servicer of my loan a letter requesting the identity of the owner ( s ) of the debt or creditor ( s ) pursuant to 15 USC 1641 ( f ) 2 a request for loss mitigation under 12 CFR 1024.41 and lastly a request for information about the servicing of my loan and specifically the XXXX test and the detailed explanation of the XXXX methodology and model including all formulas and variables for any loss mitigation application. To date I have not received any acknowledgement from the servicer that the letters were received as required by 12 C.F.R. 1024.36 ( c ), and or a the information requested within 30 days are required by 12 CFR 1024.36 ( d ) ( ii ) ( 2 ) ( B ).

The servicer has received my letter request for information and my application for loss mitigation on XX/XX/2021 and XX/XX/2021 according to my certified mail tracking receipts. ( See Attached )

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 2021-06-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: NJ

Complaint narrative:
Upon looking at my credit report, I noticed a collection account with First Federal Credit Control out of XXXX, OH. Once I was able to locate their contact information, I called the company to inquire about the matter. I attempted to call a few times in late XX/XX/2021, and finally made contact with a representative on XX/XX/2021. I spoke with an agent named XXXX who would not give her last name but provided identifier XXXX. XXXX did not even verify my information, just began talking to me about some medical debt from a place I was not familiar with. It concerned me that my information wasnt even safeguarded in the event someone else tried obtaining my information. Its a GLBA requirement ( specifically 15 USC 6801 ) to verify all information prior to giving out personal information ( I have been in the mortgage servicing industry for over 10 years ). I simply asked for written proof of the debt owed, but was talked over and would not be provided the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2021, I opened a XXXX XXXX  account at TD Bank. XXXX XXXX XXXX was the XXXX XXXX who assisted me, XXXX. Since the day that I opened the account, I've had some problems. For example, the day I opened the account, the ATM Card machine went down, so I had to swing by the Bank the next day, to pick up my XXXX XXXX XXXX. Then, someone either switched my ATM card or placed a few codes on it that prevented me from paying the XXXX XXXX. I had to call TD Bank Customer service to have the problem fixed. At times, there's a computer glitch when attempting to log into my online account. 
Time went on, I began to see charges that were not supposed to be on my account. I escalated the problem to the Executives after being mistreated by the XXXX over the phone. The Executives credited my account {$18.00}. Later that week, I walked into a nearby branch and had my ATM card switched. Upon obtaining a new card, the bank employees were able to see that I'm the one who makes all the transactions that were being reflected on another person 's account. Time went on. Someone found out my account has nothing to do with the other account, so I guess they went back to square one.They did something to my card that prevented me from paying public transportation fares. I had to call the bank and email XXXX. 
Now, as of this morning, XXXX, I got charged " Paper Statement Fee '' and Maintenance fee on a XXXX XXXX account, first time. After month XXXX. If I'm not mistaken, there's on a fee if the person does not make more than {$500.00} deposits XXXX something like that ). I've deposited over XXXX XXXX dollars ( monthly ). So, were these fees removed MANUALLY from my account the same way the XXXX XXXX fee of {$48.00} were deducted MANUALLY by a third party? If so, this needs to end. That's a crime! Nobody should be allowed to hack or view another person 's account and MANUALLY deduct money. This is why I'm sending this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Trans Union credit reporting keeps taking points away Im not actually doing anything My credit is better than its ever been I own land, I have a house, I have paid my student debt on time years, I have 5 credit cards I always pay to XXXX And they keep taking away points anytime I use one of my credit cards, they never give any new points back when I pay the cards in advance and in full They are making me look bad for no reason at this point Also dont have a new closed credit card they mailed it to the wrong address and reissued my card so I dont appreciate them making it look like it was negatively closed My score was this low before I had my life together and while I had way more negative stuff, so it should have been going up as I improved my life over the years and it doesnt I want to sue them for character defamation Im so upset

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 2021-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: WA

Complaint narrative:
My account has a XXXX dollar balance. On XX/XX/21 they charged my bank {$37.00}. It never made it onto my account activity. It also says my account is as of today 11 days delinquent. I have tried emailing them as well calling at different times of the day. No one responds to emails or answers the phone.

Company response to consumer: Closed with monetary relief