vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 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: I.C. System, Inc.
State: NJ

Complaint narrative:
IC Systems added a collection account to my credit XXXX XXXX from the original creditor XXXX XXXX. The dates on my account have been re-aged and are therefore illegal. It shows the account was opened XX/XX/XXXX for a term of 1 month and my balance was past due as of XXXX XXXX XXXX This account was opened back in XXXX with XXXX XXXX as The original creditor and XXXX was XX/XX/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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Reporting agencies XXXX, XXXX and Transunion refuse to remove wrong/incorrect address from 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 non-monetary relief
Consumer complaint received 2023-04-27 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: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
On XX/XX/23 i deposited through drive through a {$2100.00} loan check ( drawn on this bank ) to my checking XXXX because they do not have deposit slips and gave my drivers license with the check as instructed when account was opened to identify which acct. 
I then swiped my card for emer dental work and it was declined because of nsf. I called the bank and got the call center who after 30 minutes informed me that it had been deposited to wrong acct. I asked them to please fix it so that I could have my dental work done, they said they could not. I went to the branch and asked for the Manager who came out and was going to discuss my issue in the middle of lobby. He showed me to an office after my request.

I then explained my delimma and asked that he fix it. he replied he could not it would take me filing a dispute and 7-10 days. I would not file a dispute because it is my understanding that a dispute is for a fraudelent claim. Afterwards he said he could help me by putting a memo post to my account to release {$200.00} of the XXXX and that the remainder should be in my account by morning. He made the memo post which i saw immediately but disappeard befor XXXX and when straight back to wrong acct.went to XXXX XXXX acct # XXXX who is my husband I have not lived for in 7 years. I do however take care of all his financial and medical business. So I transferred the money to my account on the XXXX. So now it reflects on his account that the transfer for {$2100.00} to my account was successful. But it was not a transfer it was a bank error and that is how it should reflect not like I made an illegal transfer he did not authorize. I want it corrected and I want that branch doing things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: NC

Complaint narrative:
These accounts listed are in violation of the 15 U.S. Code 1681. Due to the inaccurate reporting, I would like these accounts removed there was no proof or signature that I own this debt. This Is Illegal!

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 2023-04-27 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: NC

Complaint narrative:
These accounts listed are in violation of the 15 U.S. Code 1681. Due to the inaccurate reporting, I would like these accounts removed there was no proof or signature that I own this debt. This Is Illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATIONAL CREDIT SYSTEMS INC After reviewing my credit report i have noted some discrepancy on Account Number xxxxxxxxxxxxxxxx XXXX validation was requested and none was provided. I have not received any correspondence from them only harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Disaster Forbearance. XX/XX/XXXX, hurricane Ian. We lost : power, roof singles, fence, storage units. Our online business stopped making money. we lost a lot of money due to trying to get our home back in order. The insurance did not cover everything, our deductible was XXXX XXXX. 
We had a mortgage with XXXX at very low interest rate. they allowed us to get a disaster forbearance for 3 month XX/XX/XXXX payment, XX/XX/XXXX payment, XX/XX/XXXX payment, they said they would add the missed payments on the end of the mortgage. We called XXXX XX/XX/XXXX, and asked for an additional month. they stated they could do another XXXX months forbearance. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
On XX/XX/XXXX we called XXXX to get this taken care of. we needed to pay our XXXX payment. 
We were informed they sold our mortgage effective XX/XX/XXXX to our new mortgage company M & T Bank. We called M & T bank but were told we can't make our mortgage payment for 30 days due to the sale and they needed to input data. so needless to say, they would not accept our money stating they did not know how much we owed them. So there was no way they would do what XXXX stated putting the forbearance payments to the rear of the current loan. They said that a VA loan did not allow this action. 
M & T sent a letter XX/XX/XXXX stating our account is 188 days delinquent and we owed {$13000.00} to make our mortgage account current! we called M & T and they stated our loan was in underwriting meaning they would not honor our original mortgage with the low interest rate. They said the new loan would be at current rates. 
They said i need to get the loan current for at least 5 months, over {$8000.00} asking if we could pay that today. My wife is on social security, and I am on XXXX. 
This is a classic bait and switch. I don't know for sure, but the original mortgage company may have done something illegal, and the fix was selling the loan. I don't feel as though we have been treated fairly. I'm not sure why we were told something that obviously would never happen.

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 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I went to the bank on a Sunday in XXXX to deposit my mortgage payment, my Husband had giving me {$900.00} to deposit. The atm accepted some of the money and kept rejecting some of it, so I kept trying straighten the money out and put it back in, finally I hit cancel, but the money did not come back out and it printed out a paper with a bar code on it, that is not what I'm use to getting after a deposit. It wasn't a receipt like I'm not use to getting, so I put my debit card back in to check the balance to make sure it credited me for the money. The receipt did not reflect the money that didn't come out. right away I called the number on the ATM and filed a case, I also went to the bank the next day and they told me they wasn't responsible for the ATM machine and I needed to contact them. After about 3 or 4 weeks, they issue me a credit for {$750.00}, now here we go a month later, they reverse the {$750.00} causing my car payment and mortgage payment to be rejected. When I called the ATM to find out why did they do that, I was told because I didn't have any transaction that day. I was 100 % at that bank, even if it didn't register my deposit, I checked my balance after the first transaction. I was at the bank that day and I made a deposit and I want my money back. Bank of America, XXXX XXXX, XXXX, NJ. Account # XXXX, routing # XXXX, this bank has my bill in shamble and they are charging me {$35.00} each day for NSF, I had the money in the bank, they reverse the charges and this should have never happen! Please somebody help! I can't let them get a way with this, I know they have the extra money and it is mine. I lost track of the real amount because it kept spitting some of the XXXX $ bills out, I'm sure it was more than {$750.00}, but i just went on the low end. Please help me recover my money, I can not afford to just walk away from that, my mortgage has been rejected and my car payment. Can you have the bank to do a CPR, so that it will show I was at the bank that day and I did do a transaction. I have filed another case.

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 2023-04-27 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
he credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) Credit acceptance coorparation has been notified of this injustice on my account and still refuses to take any action to right this wrong. 

Someone needs to hold them accountable for this

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Reporting agencies Experian, XXXX and XXXX refuse to remove wrong/incorrect address from 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 2023-04-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXXXXXX # 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I paid this account 7 years left and I still see this very negative report in 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 2023-04-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I paid this account 7 years left and I still see this very negative report in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I paid this account 7 years left and I still see this very negative report in 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 2023-04-27 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
My credit report is showing NORDSTROM/TD BANK USA for {$3600.00} opened in 2018. I have tried several times to have this removed since this is not my account. They have declined the dispute every time with no back up informationto prove this is my so-called account. I am not sure of the next steps I need to do but this has been a very stressful situationand is affectingmy credit for somethingthat is fraud or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McNeil & Meyers Asset Management Group, LLC
State: LA

Complaint narrative:
Per CFPB COMPLAINT ID XXXX on XXXX XXXX XXXX  : " McNeil & Meyers did not buy the account. We are a servicer of the account. We have coded the account to be closed and removed from XXXX XXXX credit bureau. We do not want to fight the dispute at this time. It should update on his credit report in about 45 days. Thank you '' As of XXXX XXXX XXXX, the {$220.00} account balance to MCNEIL & MYERS remained on my XXXX credit report. 

Per CFPB COMPLAINT ID XXXX on XX/XX/XXXX : " McNeil & Meyers will submit an AUD to have this removed immediately. 
DESCRIPTION OF NON-MONETARY RELIEF Remove from credit report '' Why is this account still listed on my XXXX credit report as of XX/XX/XXXX, in opposition to the claims made by MCNEIL & MYERS XXXX  months ago and XXXX  month ago? Why is MCNEIL & MYERS continually lying to me and the CFPB over the past 5 months? 

This false account must be removed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: Early Warning Services, LLC
State: FL

Complaint narrative:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. 4 days you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hollis Cobb Associates
State: MA

Complaint narrative:
I received a phone call at XXXX XXXX from Hollis Cobb Associates XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. The associates name was XXXX XXXX. He called stating he was calling from XXXX XXXX XXXX regarding a hospital bill. He was not calling from XXXX at all. Once he was giving me the website to make a payment. I realized this was not XXXX at all but a creditor. He then said he was representing XXXX XXXX XXXX. I stated they would call me themselves. I then asked for the location he was calling from. He refused giving me a physical address. He said sorry it was his first day. I then asked for a supervisor. XXXX XXXX then spoke with me and also was trying to mislead me into thinking he was XXXX and there was no physical address to be given. Just a po box XXXX I mention to XXXX he would not want to be seen as a liar and then he gave the address. 

I am sure I am not the first individual they have done this action to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a British Airways Visa credit card from Chase. One of the benefits of this card is that I get a free companion ticket when I spend a minimum of {$30000.00} on the card within a calendar year. This is called the " Travel Together Ticket ''. It is good to any destination that British Airways flies and in any class of service - the same class that the primary ticket is purchased on. I do have to pay taxes, fees and carrier charges on the companion ticket. 

I have a BA Chase Redemption Voucher for a companion based on spending {$30000.00} on my BA Visa card. I went to the British Airways site to book my travel in Business Class to XXXX from XXXX XXXX, returning at XXXX, XXXX using my voucher. The total cost quoted was {$13000.00} WITH the voucher + XXXX XXXX points ( British Airways frequent flyer points ). I then went in to the British Airways site and, WITHOUT trying to redeem the voucher, just booked two tickets in business class on the same dates. The total cost was {$10000.00} and that is also WITHOUT using any XXXX points. 

How can the cost with a free ticket voucher be MORE EXPENSIVE in DOLLARS AND FREQUENT FLYER MILES than a person off the street just buying two tickets directly? And that too, it is SIGNIFICANTLY more expensive. 

I reached out to both British Airways and Chase to lodge a complaint. British Airways responded with a general message of apology saying that they had passed on my complaint to the concerned department. That was on XX/XX/XXXX. and I have not heard anything since. 

I called Chase customer service on XXXX XXXX XXXX and complained that the promotion that incented me to get the card was a Chase promotion and that the information was misleading as I was now having to pay MORE with my free ticket voucher ( after spending {$30000.00} in one calendar year to meet eligibility for the voucher ) than without it. They said I would have to resolve this issue with British Airways but at my insistence offered to send my complaint to their Marketing department. 

I received a letter from Chase dated XX/XX/XXXX saying " Please contact British Airways to help you with your concern about the Travel Together Ticket. '' I request you to help me as this promotion from Chase is totally misleading and fraudulent. 

Thanking you, XXXX XXXX

Company response to consumer: Closed with explanation