vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Had a agreement with CPA vendor that was not fulfilled. Charge was on American Express card. American Express first declined pursuing the vendor when I initially filed the dispute and provided the support information ( contract and email from vendor they would not proceed and did not fulfill the agreement ). American Express after 5 attempts finally accepted the dispute but is making me still pay for the disputed amount less the interest. Previously ( no notice of change to process was provided as of XX/XX/2021 ) dispute charges were temporarily removed from the card holders account while the issue was being investigated. This has not happened and American Express is limiting my ability to use my card due to this charge even though I have paid off this card more than 4x in 18m and have a good credit history with American Express. 

American Express practicing anti-consumer and anti-black practices by limiting the ability of minority consumers to retain credit and obtain credit increases and use the full capability of their cardholder features which is offered to every other consumer. I have been a customer of American Express for over 4 years and have never received a credit increase with XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My XXXX XXXX department accepted a direct deposit authorization form that had and electronic signature authorizing Citibank to began accepting my paychecks. I did not open a Citibank account and can not get any information on this account from the phone numbers they have

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 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Unable to place a fraud alert on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: PA

Complaint narrative:
A Payment was made to bring the account current prior to XXXX/XXXX  reporting to the Credit Bureaus , however XXXX/XXXX deliberately reported that the payment was past 30 days and I believe it is in response to them being spiteful and them retaliating against me for reporting them to multiple Regulators. I can tell you right now that these complaints will continue, because future borrowers should be extremely aware of how XXXX/XXXX  operates XXXX They appear to create their own rules while ignoring Consumer Protection laws. It is no surprise that they were unable to prove beyond the shadow of a doubt that they weren't incompetent and/or creating situations for borrowers that were questionable, such as converting promised Grants into loans for educators. Ms. XXXX knew what was going on, and so do various other State Legislators. When payments are late but paid before you submit to the Credit Bureas, XXXX/XXXX had advised me that they will not report that it was 30 days past due in the past. It is clear that people lie within this company. I've already seen multiple employee comments complaining about this company also saying that morale is bad and management treats people badly. There's a shocker. 

People are doing just this : https : 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 2021-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I have been receiving continuos calls from the debt collector every day Monday through Friday for at least the last month If not longer. They have even left numerous voice mails. I initially talked to them and agreed that I will not take action on the bill until I see proof of the bill and a break down actual of amounts owed. My number is currently registered on the do not call list and I continuously receive calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I spent several hours in a physical Wells Fargo ( WF ) branch needing to obtain financial records for legal procedures against a private party. I requested a " RPPS '' report from WF Online Bill Pay department and they seemed to have no understand of this term. The retail banker spent a long time on the phone attempting to get the required information I require.

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 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Over a year ago I paid a settlement amount to this company. They were supposed to send me notification that the account had been settled after making a large payment on this account. The payment was made but the company failed to make any changes to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I, the consumer, natural person, XXXX XXXX entered into a consumer credit transaction with Wells Fargo Auto on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Wells Fargo Auto also took cash. The finance charge is suppose to include insurance, but Wells Fargo Auto made me purchase insurance separately. Wells Fargo Auto did not provide me proper disclosure on my right of rescission pursuant to 15 USC 1635 in which they are criminally liable pursuant to 15 USC 1611. They than began to violate the Fair Debt Collection Practices act by using instrumentality of interstate commerce via mail and said I, the consumer owes an alleged debt. I have attached all proof and exhibits along with my complaint.

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 2021-09-13 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: VA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX  XXXX, XXXX  XXXX  XXXX  XXXX, XXXX XXXX  & XXXX XXXX and XXXX  AND XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Over a year ago I paid a settlement amount to this company. They were supposed to send me notification that the account had been settled after making a large payment on this account. The payment was made but the company failed to make any changes to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 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 — Problem with personal statement of dispute
Company: Keynote Consulting, Inc.
State: FL

Complaint narrative:
I sent a letter to XXXX XXXX XXXX on XX/XX/2020 letting them know I was vacating their property " XXXX XXXX  '' in XXXX, Il. I told them that, per Chicago Rental Law, once they successfully attempted, and did rent the apartment to let me know the appropriate amount that was due and I would pay them. 

XXXX XXXX XXXX did not ever attempt to mitigate the damages and relet the apartment. I have submitted a complain on here before and which they replied by saying they did, however I have proof of their property manage " XXXX XXXX '' emailing me all the way in XX/XX/2020 saying I can not just leave the property and I need to " reread the lease. '' He, and his company, directly violated Chicago Rental Law.

I then asked Mr. XXXX multiple times to have all further communication go through the mail and he continuously emailed me, harassing me over 60 days after I moved out instead of attempting to mitigate the damages.

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 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021 I attempted to open up a checking account at XXXX XXXX XXXX in XXXX, CA. At that time my application was denied. I researched that they use the consumer reporting agent XXXX XXXX at XXXX. I was given instructions on how to receive a copy of my consumer credit report and I followed up by sending Bank of America an official letter with information of how they put a remark on my report - Account Fraud- that was keeping me from opening up a checking account. I then received a rejection letter from Bank of America, saying that there is no chance of changing my record. I then went to XXXX XXXX and have been told to write a rebuttal to attach to my consumer credit report but the end result after months of corresponding with machines, I can't get any human to look into this and see that I was the victim of being given a counterfeit check. I deposited it into my account and never withdrew funds from it. I waited for the check to clear and was later sent an NSF notice for the funds. To make matters worse, since this incident, a checking account I had with XXXX for over 20 years was closed and then most recently closed a credit card that I had opened 4 months ago. Please help me as I need not only to open a checking and savings account, I need to get a safety deposit box as well. 

Thank you. 

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 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime closed my account without notice on XX/XX/XXXX. I could not reach them on the phone because I was not a customer anymore. After two weeks of emails back and forth i still have not received tracking information for my refund check. I have confirmed my mailing address three times. They owe me over XXXX $ and they are dragging their feet getting it to me. I have incurred credit card fees for canceled payments that I had no control over. I am racking up bank fees because I cant pay my bills. The sudden closure almost caused that weeks paycheck to be sent back. I was barely able to get my direct deposit switched in time. I had just worked two 60 hour weeks in a row to get ahead and now I am more behind than I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To whom it may concern I applied for credit with XXXX XXXX and the company requested my Transunion report. Transunion in return sent XXXX XXXX a credit score over 100 points lower than my actual score. It was embarrassing and disheartening to me. I reached out to Transunion abourt the reporting error and was unable to contact them by phone. There was no dispute description for my type of error on Transunion 's website. Something needs to be done about the egregious reporting by Transunion.

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 2021-09-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
XXXX ( XXXX ) XXXX This phone number called me at least twice a day every single day for the last two weeks. They claimed that they were collecting a debt of {$140.00} that I had outstanding with XXXX XXXX. I hung up and contacted XXXX  directly and they said that I have no outstanding balance owed, nor have they contacted any debt collector regarding my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I paid off Wayfair in XXXX of XXXX. I received a bill in XXXX of XXXX  for fees because the last payment was a day late. Those fees were dropped. I may have gotten a bill in XXXX but ignored it because the debt was paid off. 
I got another bill in XXXX and thought is was a hoax so I emailed XXXX XXXX XXXX on XX/XX/XXXX. I also called and was told, once again, the fees were dropped. I just received another statement from them. 
Once I contact them, they speak to a Supervisor and the charges are dropped. 
Since XXXX I've gotten a monthly text/email from Comenity/Wayfair. 
I called the number on a text I received on XX/XX/2021 and was told again that the charge was cleared on my account and that I would received an email confirmation. Instead, I got a monthly statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13 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: IL

Complaint narrative:
On XX/XX/21 I sent transunion a letter disputing the validity of the bankruptcy and accounts including in the bankruptcy they are reporting on my credit report. They responded with a letter stating the verified and updated his item. I went directly to XXXX district of Illinois and XXXX to dispute the item in question and neither companies could not verify this item so they deleted it from the database. 

I went back to transunion and showed them the deleted bankruptcy from both companies informing them if they couldn't reveal how they truly verified this item it needs to be deleted according to the FCRA. They have once agin refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest rate every year. 

This items needs to be deleted from my credit report if it can't be verified within 30 days.

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 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I apply for XXXX credit card and they forgot to call me according the federal law and I called on XX/XX/XXXX to check the status on my application and I was told to send in a full bank statements three months worth tons of pages and cause more money out of my pockets if I was to do this then well fargo need to reimburse me this is too expensive and sending fax can cost me a fortune and I cant afford that would like another verification instead of sending tons of paper to the bank

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 2021-09-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is not right. Please delete those negative items so i dont have to spend for taking legal action. TY

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 2021-09-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is not right. Please delete those negative items so i dont have to spend for taking legal action. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
Company keeps calling my number daily for another person 's debt. Want it stop. I keep blocking a number and they are using some type of roaming number to call.

Company response to consumer: Closed with explanation