vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I had an account with XXXX  for a phone bill. I entered into a payment agreement with them and paid by automatic payment. In XX/XX/2022 they contacted me and told me if I paid then {$120.00} in XXXX and XXXX that the debt would be resolved. I paid them the money thinking that in XXXX the account would be paid off. In XXXX I got a phone call from Source Receivables Mgt. saying that I owed over {$300.00} for this same bill, that XXXX refused to settle and I needed to pay them. I have never received any written communication from Source Receivables Mgt, But on XX/XX/2022 I paid them {$50.00} and asked for something in writing. The lady told me all she could give me was a confirmation number, so I took that. So last week I went to send them another {$50.00} and that's when I found that they reported the account to the credit bureau, even though I was paying on this 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 2022-06-06 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Payments for my leased XXXX were mailed, received and debited for 9 months at XXXX XXXX XXXX. I was notified to start making payments out to Chase Auto Finance in XXXX of 2021. In XXXX of 2021 Chase received my payment stamped the check for deposit and then cancelled the endorsement and returned the check. I subsequently made an payment over the phone direct from my checking account. I have since received letters from Chase apologizing for the error and removing the late fees. When I found out recently that there are two 30 day late payments on my credit report they did an internal review and decided that Chase did nothing wrong. I have a copy of the check they received, endorsed for deposit and then cancelled. I have spent numerous hours on the phone with these people without any acceptable answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MS

Complaint narrative:
Phoenix Financial Services LLC furnished an alleged debt on my XXXX, XXXX, and XXXX credit report which is illegal & a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NV

Complaint narrative:
Hi, I set up bill pay and my payment date was moved early due to the memorial day holiday. At that time I did not have enough funds in my account to pay my mortgage. My bank notified me of that and noted I needed to move funds into the account by XXXX. I moved funds by XXXX and reached out to the bank to confirm the payment was processed. They said no it was returned with NSF and I had overlooked that it was XXXX EST not PST. 

That is all fine. So know that it was returned with NSF. I set up another payment to process on the XX/XX/XXXXSo the XX/XX/XXXX comes around and Dovenmuehle retried and pulled the first payment I set up that was originally returned with NSF as well as processed the second payment. I did reach out to the company via chat because their phone tree is horrific and they said they could not accept my request via chat and I would need to request it via mail or email. So I requested the refund via email the same day the 2 payments were processed. I did follow up the next day to check on an ETA on the refund. They did not respond. So 3 days later I called and asked about an ETA and it would essentially take 8 days from when I requested the payment reversal to get the payment back. Since it is past when my bills are coming due it is no longer useful so I requested to cancel it on the phone and they said I needed to send an email for it to be accepted meanwhile my emails get no response. 

I am frustrated because I was depending on that money to pay other bills and now I am receiving multiple fees and interest due to them retrying a payment returned with NSF without any notification to me. If I would have known, ie they sent an email when they received NSF stating that they were going to retry my payment I could have avoided this whole situation. 

At this point waiting until the XXXX will not be of any help as the due date for my other bills will have already passed and I am expecting another source of funds to come in then.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  account ending in # 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IA 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 non-monetary relief
Consumer complaint received 2022-06-06 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  account ending in # 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have an American Express card. The card due date is usually very close to the XXXX of each month with a little variation for weekends and holidays. American Express has a " please pay by date '' that is not the real due date for the card. Recently they have started including a banner on their web page that explicitly states the account is overdue when the please pay by date has passed, but before the actual due date has passed. The account is NOT overdue but their message explicitly states that you are already past due when you are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Complaint narrative:
Experian has gotten me very upset They frequently have false information and do not help you at all They should be closed down ; they just transfer you Experian XXXX detected a change to a financial account. 

Received TWO emails : Alert Found : Bank Account Change Bank : XXXX XXXX XXXX, Account Holder Information Change called XXXX ; there was no change. Membership dept transferred me to dispute. 
customer service is unacceptable. Spent an hour on phone and just got upset. They make matters worse.

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 2022-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
Called Carrington Mortgage to apply {$19000.00} to my principal which according to the customer service rep was the max daily amount. I was very clear about principal only wit the rep and his manager. I was told that {$9900.00} was the max daily on their app but they were able to process {$19000.00} with a customer service rep. 

This was spread over XXXX payments including principal, interest, and escrow. Not the intended purpose whatsoever. 

Today is day XXXX with no resolution. They have set several target dates to have this resolved and those dates have passed, and it has not been resolved to date. Another payment has been processed ( standard monthly auto withdraw ), so I can only assume this was processed against the current principal balance which is wrong, causing even more confusion. 

I've contacted customer service 9 times since XX/XX/2022 and get the same result every time. It's in process..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I live in the state of XXXX for more than 2 years, I never opened a XXXX utility bill within the past 3-4 years. This debt is not is not mine.

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 2022-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
A merchant I used to make an online hotel booking advertised that the booking could be cancelled for free throughout the online booking process and on my receipt. However, this company did not disclose a 38 % service fee until after charging my Capital One credit card. I immediately cancelled the reservation after seeing this service fee on the receipt. 

The merchant refused to refund my money when I contacted them. At that point, I contacted Capital One to dispute the charge. Capital One notified the merchant of the dispute. The merchant replied with documentation that was not shared with me. All I received was the attached " Capital One-Letter 2 '' from Capital One requesting documentation backing my dispute. I provided the attached " Dispute Letter '' which includes a receipt and cancellation confirmation, both of which clearly state " Free Cancellation '' in bold orange type at the bottom of page XXXX of each respective document. 

Within hours of me providing this documentation, Capital One provided attached " Capital One-Letter 3, '' stating I did not provide them with the requested information and that were closing the dispute and applying the charge to my account. 

Upon receiving this final letter from Capital One, I called the company directly asking for further explanation and/or opportunity to provide additional information. They still denied the dispute without providing any documentation to back the claims of the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX and XXXX XXXX Account Number XXXX. Inquires as follows XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2022-06-06 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 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 Transunion. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX 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. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 n 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 us rept but they refused they had me on mute for 4 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 60days 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 21 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 XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I filled out a police report and also an FTC report for my credit profile. Someone stole my wallets and was able to obtain credit cards, and also bank accounts in my name. Everything has been compromised Ive noticed on credit profile for fraudulent accounts that are reporting. I need to take them off. 

Navy Federal XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: UPGRADE, INC.
State: CA

Complaint narrative:
I filled out a police report and also an FTC report for my credit profile. Someone stole my wallets and was able to obtain credit cards, and also bank accounts in my name. Everything has been compromised Ive noticed on credit profile for fraudulent accounts that are reporting. I need to take them off. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upgrade

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation