vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
When we moved from XXXX XXXX to an area oXXXX XXXX  XXXX, OK XXXX XXXX  was not yet available in that area ( this was 2017 ). We returned the box to a XXXX XXXX however, they put this on our credit report stating they didn't receive it. I have been told this is a standard practice for XXXX XXXX. This collection goes back 5 years yet is showing as a current collection and is being reported falsely. I had several conversations with XXXX regarding this in 2017, but they said I didn't return the equipment and I know I did. They don't give you a receipt when it's returned so you trust them to be honest.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consolidated Information Services Solutions, LLC
State: WA

Complaint narrative:
I have two credit inquiries I did not consent to on XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I received my latest credit card statement from XXXX XXXX which appears to be affiliated with Comenity Bank. For the past year or so I have had a check sent from my HSA provider to XXXX to pay off the monthly bill since this line of credit was opened for a XXXX XXXX XXXX Everything had been going fine besides a few late charges because every now and again they wouldn't receive the check in time even though it was sent the same time every month but this last check for the month of XXXX sent out on the 1st of the month from XXXX, my HSA provider, was never received or applied to the account. 

Now when I call and finally got through to a customer service representative, they could not locate the check even after I provided a check number and date it was sent out. The rep insisted I give him my banking info instead to make up for the missed payment in XXXX. We went back and forth trying to resolve my issue, I never gave my bank info, and the call ended with the rep saying he was going to transfer me to his manager and then disconnecting the call only to call back and get the same message I had for the past 1-2 weeks saying try back they are having prolonged system maintenance. 

Now this contact was made on XX/XX/2022, and that was the first time I had a chance to speak with anyone OR login to my online account due to what they are labeling system maintenance which it very well could be. But for about 1-2weeks I had no way to check my balance, speak with a rep or fix this now accrued late fee. 

I tried calling back today XX/XX/XXXX, and the message is still there that they are experiencing prolonged maintenance and now the website is even back down, and I am unable to access any part of my account. 

My XXXX HSA check has been sent and I have notified XXXX of my issue but have no way at this time of knowing whether this is a one-time mistake on XXXX part or if I need to cancel all future payments. 

I have no way of contacting XXXX and am worried the late fees will keep getting racked up and start affecting my credit score. Can someone please advise on how to proceed? 

Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 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: TX

Complaint narrative:
This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this is my debt. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXX Account number XXXX Recent balance {$520.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX  XXXX  Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$520.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Comment history Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) .| XX/XX/XXXX - XX/XX/XXXX Affected by natural or declared disaster.| XX/XX/XXXX Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Payment history guide Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$520.00} / No data/ No data/ No data XXXX XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data The original amount of this account was {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this is my debt. The XXXX credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXX Account number XXXX Recent balance {$520.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX  XXXX  Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$520.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Comment history Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) .| XX/XX/XXXX - XX/XX/XXXX Affected by natural or declared disaster.| XX/XX/XXXX Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$520.00} / No data/ No data/ No data XXXX XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data The original amount of this account was {$520.00}

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 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Dollar Amount as of XXXX : {$140.00} Dear Sir/Madam : I received a statement from American Express to renew the annual Delta SkyMiles Gold Card membership for the fee of {$99.00}, which is due by XX/XX/XXXX. On XX/XX/XXXX, my spouse and authorized secondary card user, contacted American Express Customer Care at XXXX on my behalf to cancel both our Delta SkyMiles Gold American Express cards. In other words, we do not want to renew our membership and hence should not be paying for the membership fee. 

On XX/XX/XXXX, I received another statement from American Express that showed a previous balance of {$99.00} for the membership fee, a late fee of {$40.00}, and interest of {$1.00}. 

I continued to receive monthly statements asking for the membership fee and late fees. Again, on my behalf, my spouse called the American Express customer care on XXXX and XXXX to let them know that she has already requested American Express to cancel our cards and not to renew the annual membership on XX/XX/XXXX. Each time, they would tell her that a manager will review this matter and reach out to us. However, to-date, neither of us has received any calls from any American Express manager . But one of the agents disclosed to my spouse that apparently the agent that she spoke to the first time has terminated her card but not mine. I was astonished at the incompetence of the American Express customer care agent, and it is not fair to penalize me for his error. 

I wrote to American Express in XX/XX/XXXX to complain about this matter. And they finally cancelled the cards and closed the account but continued to bill me for the membership fee and late fees. 

In addition, I also did not receive the {$100.00} Delta flight credit promised. This is a special credit issued to Delta credit cardholders that spend {$10000.00} or more in a calendar year on their Delta SkyMiles Gold Card. I have spent more than {$10000.00} in XXXX and have been prompt in making monthly payment. 

This is extremely frustrating. It is not fair to charge me for the membership fee and late fees for membership I have requested for them to cancel before the due date. I am asking for a fair resolution that American Express not to charge me for the annual membership fee and late fees for membership I neither use nor want. And issue me the {$100.00} Delta flight credit that is promised when I met my calendar year spending. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Back on XX/XX/22 I received a grant from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/22 that agency sent 1 of 4 payments of {$1100.00} to NewRez Mortgage company. Until Today XX/XX/22 the mortgage company can't locate the payment. The agency confirmed that they have wired the payment on XX/XX/22 and it was not returned. I contacted both the agency and the mortgage company many times to find out what happened and until today the issue remains unresolved. If the agency has proof of payment I demand that the mortgage company to apply the payment to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: SC

Complaint narrative:
The XXXX XXXX, Apartment company, has submitted a debt collection for a balance which was not involving my signature and consent. The balance was stated as {$1500.00} as a settlement. 

I have never looked around any of their apartments at all, nor have I lived/stayed for 1 minute at one of the apartments. I have never been assigned a room for the apartment and have not even received a key for any apartment, so I also have not seen the apartment number. 

The debt has been opened by the apartment company without my consent since XX/XX/XXXX and then they transferred the debt to the collection agency in XX/XX/XXXX, right after its name changed to The XXXX XXXX. This debt has been posted on my credit record since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I was attempting to sell an item on XXXX XXXX, and was contacted by a buyer ( XXXX XXXX ) on XXXX XXXX on XX/XX/XXXX. He said that he tried to send me money through Zelle, but that I had to update my account to a business account to continue with the transaction. I would have to send him {$100.00} to do so, and I did this through Zelle. I got a message saying that " I have a pending payment of {$220.00} USD. We should be crediting your account now but we noticed the account has been limited and not a business account so it can't be credited so we need you to contact the buyer to send in the amount of {$200.00} USD to your Zelle account so it can be changed to a business account be credited immediately with $ XXXX into your account. '' I sent him another {$200.00} through Zelle. The email he used for Zelle was XXXX and the alias used was XXXX XXXX. The " buyer '' asked for screenshots of my transactions. He also repeatedly tried to call me using XXXX XXXX. I did not answer these calls, as I was at work. 

I blocked the seller from sending any further messages. 

I called XXXX that day ( XX/XX/XXXX ) to report the scam. They told me they could not do anything until the money was actually deducted from my account. I called back on XX/XX/XXXX, after the money had left my account, and formally filed a dispute. 

I also filed a police report with the XXXX XXXX Police Department, and a complaint with the FBI Internet Crime Complaint Center. 

I received a letter from XXXX, dated XX/XX/XXXX saying that my dispute has been denied. 

I believe I am protected by the Electronic Fund Transfer Act. In XX/XX/XXXX, the Consumer Financial Protection Bureau clarified its position on banks ' required compliance with the Electronic Fund Transfer Act of XX/XX/XXXX, also known as Regulation E. The CFPB says that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$130.00} Status Closed. 
XXXX XXXX XXXXXXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed

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 2022-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
US Bank wrongfully denying loan modification application. Submitted five completed applications. Each application accepted and verified as complete, then rejected as incomplete. Multiple requests for documents already in their possession. Each request fulfilled immediately by consumer. Bank admitted to wrongfully rejecting completed application but refuses corrective action. From the viewpoint of the consumer, banks actions appear incompetent at best.

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 2022-07-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # 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.

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 2022-07-06 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: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
Numerous attempts made to correct credit report has failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I met a guy to buy a car. He said he had the title but after paying XXXX from my account, Netspend, through PayPal he claimed he would need to obtain a copy. I called XXXX to verify he was the titled owner of the car. They said he was. For weeks I kept asking for the title only being told this weekend. That weekend never came. On XX/XX/XXXX the car was repossessed as he had taken out a title loan against the car on XXXX first. I filled a dispute with my back that was processed through XXXXXXXX XXXX XXXXXXXX. PayPal, seller bank I paid through, found in my favor because he didnt respond. My bank, Netspend, received an auto generated email. Netspend took that email as PayPal would not pay me. I called paypal only to be told they are waiting for my bank to find in my favor so the can return the money to them. I feel I am owed that money. I obtain a lien holder paper from the car title office. I reached out to XXXX XXXX who now had the car.. I am looking for help to get my money back. I have documents supporting my case. In his add for the car he says it is paid 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 explanation