vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I changed the bank I was using for autopay for American Express credit card from XXXX XXXX  checking to XXXX XXXX checking account on XX/XX/XXXX. This action was done on the credit card 's website. After providing the new bank 's routing number and account number, I received a confirmation email from American Express which said " Weve received the changes to your AutoPay Monthly plan. Thats it theres nothing else you need to do '', a copy of which is attached. 
My next autopay was due on XX/XX/XXXX. I checked the credit card account on XX/XX/XXXX and found that the autopay didn't happen and a late fee of {$29.00} was charged to me. I immediately contacted American Express customer service. I was able to make a manual payment to the full amount due. However, I was told by the agent that the the late fee can't be waived. Agent stated that the autopay didn't go to the new bank I added because it was mid-billing cycle. I disputed that citing the email from American Express that didn't mention any such requirement. Also they could have charged the previous bank account which is still active if the new one can't be used. The customer service rep was not able to reverse the late fee and I requested a call from the supervisor to resolve this issue. I received calls from two people claiming to be supervisor on XX/XX/XXXX and XX/XX/XXXX but they kept repeating the same thing and not agreeing to remove the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I opened an account some months back with XXXX XXXX XXXX. Their service was nearly flawless, and is not the subject of the complaint. 
On XX/XX/23, I received notice that XXXX XXXX was selling their accounts to Comenity XXXX XXXX. I was told that I would receive my new account # in the mail, and everything would switch over. I never received a new account number, except for a masked number that only showed the last XXXX digits. XXXX does not allow me to log on to their site to pay, view, or manage the account without having the full account number during registration. Comenity states in their messagine that they sent me my account number XX/XX/23. I have received nothing, and my XXXX XXXX XXXX has shown no missing letters that may have been sent by XXXX. 
I tried to log on to XXXX 's site to pay the bill XX/XX/23, and was rejected because I do not have the account number available. I then contacted the company by phone, and they said that they never sent an account number out. They stated that there were " Account technical problems '' that they needed me to contact them to fix. They now promise that this time they will send my account number, but state it will be XXXX weeks to receive it. In the meantime, I still can not access my account, and the bills are due. I do not believe that they have any intention of sending me my own account information, and are hoping that I will forget about them so that they may charge fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SinglePoint GI
State: OH

Complaint narrative:
I have been going over my credit report I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
I am writing to bring to your attention a serious issue regarding inaccurate information on my credit report, specifically related to a collection account. It has come to my attention that a collection agency has been reporting incorrect information using my name and date of birth. I strongly believe this is a direct consequence of identity theft, and I am determined to rectify this situation promptly. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the erroneous collection account from my credit report. I understand that accurate credit reporting is crucial for maintaining financial stability and trust in the credit system, and I am committed to resolving this issue in a timely manner. 

To assist you in your investigation, I would be happy to provide any documentation or evidence necessary to demonstrate that this collection account does not belong to me. Additionally, I have taken the necessary steps to report the identity theft incident to the appropriate authorities and obtain an identity theft report, which I am prepared to share with you upon request. 

I am confident that your expertise and commitment to consumer protection will guide you in resolving this matter effectively. I greatly appreciate your attention to this urgent matter and look forward to receiving updates on the progress of your investigation. 

Please provide me with the necessary steps to initiate the investigation and any supporting documents you may require. I eagerly await your response and am hopeful that together we can rectify this situation promptly and restore the accuracy of my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
The Bilt credit card by Wells Fargo withdrew my rent payment from my checking account without my consent on XX/XX/2023. The rent payment is usually charged to the credit card itself, and I never turned on a feature or agreed to having the money debited from my bank account directly. My checking account is now overdrafted by thousands of dollars and I will be charged overdraft fees/ can not take cash out of an ATM. I reached out to them immediately and their customer service was of no help, saying they had to escalate the case, but in the meantime my checking account is tied up. Based on other online forums, the same thing happened to multiple other cardholders so there is an issue with their system. It is unacceptable to say the least.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections XXXX and XXXX, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I booked an XXXX XXXX XXXX while speaking with a rep from XXXX. I was getting a error message while trying to book thru XXXX for the XXXX. The rep told me to book it & screenshot the error. I didnt get a error this time. Told them rep. Tried canceling. The host wouldnt give me my money back. Transaction was about XXXX. Kept going back & forth with with reps. Got a sup. Told me to cancel where I got the cleaning fee back which was XXXX & then the sup added and additional {$100.00}. So I was still left to pay over {$700.00}. I DID NOT STAY here! I stayed at XXXX XXXX! Contacted XXXX. Sent them all my information. XXXX still wouldnt refund them. I called XXXX XXXX XX/XX/XXXX XXXX several days after that! I was told to make the first transaction & I can dispute & theyll credit me back & also stop the transaction!! Well they did a temp credit of {$210.00} weeks ago. I get a email today saying that the charges are valid & they will be taking the {$210.00} back on XXXX XXXX. Spoke with a sup today XX/XX/23. Hes saying they asking for more information terms and agreement when I literally sent them over everything!!! This was something that happened while working with a rep! How am I at fault? Atp if I wouldve known Navy wouldnt have my back & supposed to be the best credit union in the world I wouldve never paid it at all! Its not fair when I didnt stay somewhere! No one wants to help! But if it was one of their family members they would understand. Ive been with them for years and NEVER had to dispute anything!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANTOHER VIOLATION UNDER THE FCRA.

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 2023-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstCredit, Inc.
State: MS

Complaint narrative:
Today I received a collection notice from First Credit Inc regarding a medical bill that the Va is suppose to pay since I am a veteran with complete medical to be paid by the va I never received a bill and was assured they would forward this bill to the va in XXXX XXXX to be paid as of todays date the amount of this bill nor a bill was ever sent to me for this amount as far as. I was aware the bill was paid by my insurance and the department of veteran affairs this bill should not have been placed in a collection due to my medical status with the va now they are demanding me to pay an amount that I do not owe nor am I responsible to pay in the amount of {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Aspen Yo LLC
State: IL

Complaint narrative:
Gregory Funding is the company that sends me statements and takes my mortgage payments every months. over 12 months have went by and they are not reporting to any of the credit companies. 


I have called them multiple times and its not still reporting. 
They took over my mortgage loan in XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In XXXX of 2017, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing but in fact did misuse, sell and experience a data breach that resulted in negatively effecting a large number of people. I have been found as one of those who has been impacted and would like this matter resolved immediately. I have went on XXXX website and filled out the eligibility process and have been found eligible they have admitted that my information was breached, leaked, given without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
My three credit card accounts were reason closed was because of 4 returned payments on a personal loan I have with them. The first three payments were returned because they were duplicate payments. The last returned payment was because they tried to debit an account that was closed by my bank because of fraud. They never gave me any indication that was situation was creating a problem with my accounts. All payments were made earlier than the due dates. The problem stemmed from their auto-payment system was either trying to duplicate the payment or trying to debit a checking account that was closed due to suspected fraud. After the fourth incident I stopped using their auto-payment system and started to manually make the remainder of payment, without any issue. After discussing with AMEX in detail they have recognized how this may have contributed to the returned payments. They explained that once the accounts were closed they could not be reinstated even if it was in error because of bad information. They at no point admitted to the error on there part but still said that perhaps this situation was also not within my control. Because they closed my accounts without them making any attempt to advise me of the potential problem or discuss with me in advance they were closing my accounts, my credit score has dropped XXXX points. I now have a reduction of {$45000.00} in available credit so my usage ratio went from 20 % to 40 %, and my credit score was XXXX before now it is XXXX. They refuse to remedy the situation because according to them it can't be reversed, okay then what am I supposed to do about them destroying my credit rating. No one will give me any more credit to replace what was taken from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under Fair Credit Reporting Act 15 U.S.C.1681 section 602, I have the right to privacy. Fair Credit Reporting Act 15 U.S.C. section 604a part 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under Fair Credit Reporting Act 15 U.S.C.1666b, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any 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 non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I am a veteran and have a VA Loan. Due to hardships relating to XXXX I lost my job and used up all my savings until I found another job. As a result my mortgage fell behind. I contacted my servicer Shellpoint to start the process of a loan modification a year ago. I have supplied all required documentation ask of me every single month leading up to my most recent submission XX/XX/XXXX. Every single month they continue to ask for information and my file has never reached an underwriter for a decision as to any home retain programs that are available to. XX/XX/XXXX, they requested additional information that has already been provided ; I have provided Profit and Loss Statements up through XX/XX/XXXX for my 1099 business and now they are asking me to create a profit and loss statement for all my clients that I serve although most of my income goes through my primary account. I don't understand why I need to create a Profit and Loss for each client I have as it's under one business. My income is already reported on my tax returns for the business and not per client. They have received all bank statements through XX/XX/XXXX, paystubs through XX/XX/XXXX, and my file has yet to reach an underwriter for consideration. This " Request for Documents '' has been going on month and after month and now I have a foreclosure sale date on my home for XX/XX/XXXX. I have uploaded and e-mailed all documents required of me. As one document they ask for is provided, another document expires and this has been the vicious for over a year now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I sent my XX/XX/XXXX payment via bill payment through my bank. See attached. About a week or XXXX later and till this I am getting emails and calls that my payment is past due. 

I check with my bank the payment was sent and processed. 

I have sent messages through secure mail on the website. I'm told I need to call or chat. I did chat with a customer service rep from Ally and they said they are looking for the payment and will get back. XXXX has beer gotten back to me. Except to continue to get calls and emails that payment is late. But it's not late again it was sent through my bank and processed. Ally has the payment. But I'm getting late fees and harassing emails and calls.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/2023 I was in XXXX XXXX my debit card was stole and used to withdraw funds from my account in the total of XXXX dollars. Once I noticed my card was missing I blocked the card using online account. I called the company soon as they opened on XX/XX/XXXX explained the situation. Claim was filed. I called 2 weeks later since I heard nothing from the bank and was told my claim was denied as I could not explain how my pin number was obtained. I was then told I couldn't open another claim. The transactions we clearly not me as they were done at different ATM machines and they attempted multiple times till they reached the daily limit for withdrawals which was set at XXXX dollars which I was not aware the limit was that high. They told me they couldn't access the ATM video because I was in XXXX even though the funds were withdrawn from the same Santander bank as my ATM card is.

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