vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: American First Finance, Inc.
State: MO

Complaint narrative:
My credit score decreased by XXXX points because they reported that my account balance increased by {$1.00} from {$1100.00} to {$1100.00}. I have never missed a payment and they take it out of my checking account automatically so there is no way that it could increase by {$1.00}. Even if it did ( which it didn't ) for XXXX to decrease my credit score by XXXX points is incorrect. I have worked very hard to get my credit increased and I keep a check it daily to see if any changes. I do not want this error to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: ID

Complaint narrative:
I checked my credit report and this was on it. I have no knowledge of this account I never had an account with this company. Ive tried to dispute it and it remains. 
XXXX XXXX XXXX XXXX {$350.00} Open balance 12 XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX  ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; reported by grantor Original creditor name 12 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
American Express bluebird will not give me back my deposit for a hotel stay that was done on the XXXX of XXXX at the millennium hotel, I called bluebird and stated that the hotel was disgusting and they had to move us twice being that 1st time was n mn to clean and still in a used state after a customer and 2nd was not the room classification that we paid for, this room was to include multiple amenities and perks that would justify the elevated price. Ex. Special club level business room with free snacks and soda to make the stay as comfortable as possible was locked out to us and seemed as a front to trick customers into staying with them. The room was not updated since the 80s. And dusty and smelly. Not a XXXX dollar room which they also charged XXXX dollars for parking ( supposed to be comped for customers ). And also charged XXXX dollars on card for incidentals in which was told bluebird wont release and to wait When we called the 2nd time it felt like the call was a joke when we got transferred to some overseas call center. Would not say anything but the exact statement over over again. Nothing we can do we suggest you wait. Asked about certain emails we Received from them stating release of funds from 24-72 hours and still stated just wait. We have waited multiple weeks and still it is on our account and bluebird has yet chose to respond about our dispute of the XXXX hotel stay that was way out of line of what was promised so this is 2 part complaint. XXXX release our XXXX dollars for the deposit that we were told twice that it was only left to bluebird to do. And 2 the refund the XXXX Because it wasnt close to what we had gotten promised to us. We called millennium hotels and we called XXXX reservations so the call to bluebird is our last line of defense and they dropped the ball to protect its customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Dealer Services {$13000.00} - account balance has been satisfied per letter received from creditor. Account is still being reported by XXXX, and XXXX as a debt owed/charged off.

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 2023-03-02 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: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Someone opened up a credit card using my name and social security number with FNB OMAHA as the lender. I called FNB OMAHA and got the card canceled.

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 2023-03-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MCM or midland credit management has now called me back to back within 2 seconds of each other 2 days in a row. Both times i answered they asked for myself and the call ended. At this point i am feeling harassed and i believe this is a violation considering both times i answered my phone and they asked for myself. This is also not including the other days that they called me this week. I am going through a hardship currently and this is just adding more and more stress with the back to back calls harassing me which is adding more stress. I attached all calls that i have gotten from Saturday XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX. 
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 also states a consumer reporting agency can not furnish a account without written instructions. 
I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

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 2023-03-02 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: Global Lending Services LLC
State: OK

Complaint narrative:
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, 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 title. 

ITS A CHARGE OFF ALREADY PLLEASE STOP REPORTING XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I applied for a business checking account on XX/XX/23. I opened my account with a {$250.00} deposit from my credit card, and it was charged on that date. U.S. Bank required additional documentation to verify my identity. I provided that, and my account was opened on XX/XX/23. My credit card was charged again on that date. I have provided a screenshot of my credit card account showing these duplicate charges. I reached out to U.S. Bank customer service via chat on their website. I was told to dispute the charge by U.S. Bank customer service. I have provided screenshots of this conversation. After I attempted to wire money to my U.S. bank business account on XX/XX/XXXX, I found out that my account had been closed. I was informed that the reason was because they had received a chargeback for the opening deposit. I explained that customer service told me to dispute the charge, and I was told that a manager would reach out to the department that closes accounts and that I would receive a callback. I never did. I followed up with a different manager, and he was unbelievably rude and dismissive. I was told that there was no way that I could have been charged twice, and that the account closure was my fault for disputing the charge. I implied that I would file a complaint with CFPB, and he discouraged me from doing so. He said that complaint would be dismissed, because I did not have any evidence. I have attached the evidence. This is entirely U.S. Bank 's fault, and they refuse to take any responsibility. I did exactly what I was told to do by U.S. Bank customer service, and they have attempted to blame me for their mistake.

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit score decreased by XXXX points because they reported that my account balance increased by {$1.00} from {$1100.00} to {$1100.00}. I have never missed a payment and they take it out of my checking account automatically so there is no way that it could increase by {$1.00}. Even if it did ( which it didn't ) for Transunion to decrease my credit score by XXXX points is incorrect. I have worked very hard to get my credit increased and I keep a check it daily to see if any changes. I do not want this error to ruin 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 explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Money taken from Chase Bank thru a wire I did not do. On XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
as of now my Navient account says I have a {$0.00} Balance. It should be paid off. but my credit report does not reflect. 
Account # XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Highest balance {$2600.00} Nice! You've paid off 58 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$2600.00} Monthly payment {$48.00} Opened XX/XX/XXXX ( 16 yrs, 3 mos ) Term 118 months ( 9 years ) I have been paying this loan for 16 years and was supposed to have no interest. When I realized the payments I was making were only covering a portion of the principal loan. I realized I had paid this off long ago. I was given payment forgiveness after covid but they are still reporting it late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Debois, Inc.
State: OH

Complaint narrative:
DBS financial had broken TILA laws by not fully disclosing to me at the time I signed the application that I also unbeknownst to me that I also gave them my POA to act in my behalf. I also wasn't told that by giving them my SS number that it then becomes a trust action because I am the XXXX of my SS XXXX XXXX XXXX  XXXX. They go and file a 1099A on my behalf with the Treasury to receive the funds to pay back the credit that they extended to me to buy my car. And instead of marking it paid in full like they should they monetize my app with the promissory note by taking app and the funds they receive from the trust fund and use those funds and invest in the stock market. Once they do they then the note then becomes the collateral so they unlawfully took my car when they repossessed XXXX  XX/XX/2023! I want restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I signed up for an account with dave.com through their mobile app. They offer interest-free payday loans. 

On that same day I made a request for an advance of {$100.00}. Only then did I realize that dave.com has a membership fee. I immediately e-mailed dave.com Customer Support asking them to cancel my pending advance and to close my account. I provided all requested information to close my account, but I never received confirmation that my account was closed. 

On XX/XX/XXXX, my dave.com account was still not closed, and the company had sent me a {$100.00} payday advance. I tried to settle my {$100.00} balance and close my account, but the dave.com app advised that the platform was experiencing problems with XXXX XXXX ( my bank ). 

On that same day, I again e-mailed dave.com Customer Support demanding that they settle my account with funds that are in my bank account, and to then close my dave.com account. 

On XX/XX/XXXX, I received a response from dave.com Customer Support advising that XXXX XXXX no longer works on their platform, and that I can not settle my {$100.00} account balance using my bank account. There is no ability to add any other payment methods on dave.com, and I have begged Customer Support for another way to pay off my balance, but they have declined to allow me to pay off my balance. The company continues to charge me a {$1.00} membership fee every month as well, despite my demands that they close my account. 

At or about that time, I filed a formal complaint with the California Department of Financial Protection & Innovation. 

By way of correspondence dated XX/XX/XXXX, the California Department of Financial Protection & Innovation referred my complaint to the XXXX XXXX XXXX XXXX XXXX XXXX 

By way of correspondence dated XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX suggested that the Consumer Financial Protection Bureau is the proper agency with which to file a complaint. 

In summary, dave.com will not allow me to pay off my balance of {$100.00} because they stopped accepting all payments from XXXX XXXX ( my bank ), and will not allow me to add any other payment method. I have repeatedly demanded that my account be closed and membership be canceled, but dave.com will not allow me to do that. The company is holding me hostage by refusing to accept payment from me, and they continue to charge me membership fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
It has been deleted off XXXX and XXXX but XXXX is still reporting false information and harassing and calling and sending letters and keeping false inquiries that are not verified and accurate to my credit report! I have disputed over and over again and they are refusing to deleted these false things off of my credit report and sold false information to the credit bureau without my permission and false information and did not re investigate but instead constantly sending letters and it had caused me financially a lot of money and denials due to fraudulent accounts on my credit report!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
It has been deleted off XXXX and XXXX but XXXX is still reporting false information and harassing and calling and sending letters and keeping false inquiries that are not verified and accurate to my credit report! I have disputed over and over again and they are refusing to deleted these false things off of my credit report and sold false information to the credit bureau without my permission and false information and did not re investigate but instead constantly sending letters and it had caused me financially a lot of money and denials due to fraudulent accounts on 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 2023-03-02 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: HW Holding, Inc
State: NC

Complaint narrative:
It has been deleted off XXXX and XXXX but XXXX is still reporting false information and harassing and calling and sending letters and keeping false inquiries that are not verified and accurate to my credit report! I have disputed over and over again and they are refusing to deleted these false things off of my credit report and sold false information to the credit bureau without my permission and false information and did not re investigate but instead constantly sending letters and it had caused me financially a lot of money and denials due to fraudulent accounts on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Several times in the past few years I keep getting phone calls from collection agencies and once from a private detective agency looking for my ex-wife, we have been divorced for over 30 years. How do I get this stopped???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized loan servicing has taken out biweekly XXXX since inception of the loan. They do not know how to properly apply the funds. When I had XXXX XXXX- they immediately applied them to the loan and pushed out the next due date. XXXX puts them into an unapplied funds suspense account. I have never been late- it isn't possible... they pull the XXXX. Overnight- my credit went from XXXX excellent to XXXX fair because they reported me as delinquent. I am on my loan details- there is nothing past due. Next payment due date is XXXX. I have complained to them MULTIPLE times about how they mismanage funds. I need my credit fixed immediately - I have never had a delinquent payment on any account. I am supposed to purchase an RV next weekend, and now XXXX has caused me financial harm. I am handcuffed to them because of i have a 2.5 % APR. I can not move without causing more financial harm, but they are awful.

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