vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
After receiving an American Express E-Gift Card from my employer, I attempted to go online to purchase some items. According to the instructions on the email for the gift card, it states that in order to shop online you must select " Credit '' as the payment method ( Do not select " Gift Card ''. It goes on to state that in the payment method section, to enter the card details as you would a credit card and for the billing address, fill in your name and address. I followed the instructions exactly as stated on four ( 4 ) separate e-commerce sites such as XXXX XXXX and XXXX and the card/purchase would not go through. I twice contacted the American Express Gift Card Customer Service line on Thursday, XX/XX/XXXX only to be told both times that 'the funds are being protected ' and that I should try other websites until I find one that accepts the card. Needless to say that is unacceptable. If American Express is selling a banking product/gift card that is supposedly for use anywhere that accepts the AmEx logo, which these website do, then the resolution should not have been to tell me to continually search websites until one goes through. What is unusual is that for each attempt on a website, a {$.00} pending charge is executed. Meaning that there must be some connection between the webpage server and the AmEx server but the actual cost of the purchase does not go through with a message stating something went wrong and to use another card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
please update address to most recent and update accounts to most accurate status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX whose collection agency is XXXXXXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from Transunion, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX whose collection agency is XXXXXXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and Equifax respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX whose collection agency is XXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention to this matter.

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 2023-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates LLC ( PRA ) has been reporting false information to credit bureaus to damage my credit. They have {$33.00} listed in Payment History on my credit report. PRA claims the date they received this payment was on XX/XX/XXXX. I've shown this in an attachment titled XXXX dispute results, XXXX. I've highlighted the date and amount on this page for your convenience. However, this is false and impossible. PRA only received one payment from me on XX/XX/XXXX for {$440.00}. This is also shown in the Payment History section of the attachment. 

For further proof, I also put forward the Request and Writ for Garnishment, '' which is dated XX/XX/XXXX. This was the initial judgment for garnishment on my income tax refund/credit. Within this attachment {$33.00} shown as a postjudgment cost. If this is the {$33.00} PRA is referring to in my credit report, they could not have received this payment in XXXX as they claim. PRA would have received it in XXXX because thats when taxes were filed. I've provided validation of this with two more attachments titled Garnishment Disclosure and Notice of Income Tax Refund used for Debts. As you can see in both of these attachments, they were dated XX/XX/XXXX. 

In summary, PRA reported fabricated information to credit bureaus to damage my credit. This is unacceptable so I am filing this complaint in response to PRA violating the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I didnt notice all the hard inquiries and soft and clears until I looked at my credit score and I seen how my credit score it is. Ive never applied for anything so I dont understand why I have inquiries 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings
State: GA

Complaint narrative:
This can't be happening!! This company must remove the as they need to validate this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax through the Consumer Financial Protection Bureau ( CFPB ) due to persistent issues with my credit report. Each time I apply for credit, my bank informs me that my Equifax credit report is frozen, yet when I access my Equifax account online, there is no indication of any freeze. Additionally, my attempts to resolve this issue via phone have been consistently unsuccessful, as I am repeatedly told that the systems are undergoing updates and to call back later. This recurring problem has become a significant impediment to my financial activities. I urgently require assistance in rectifying my credit report by ensuring it is unfrozen and also request the removal of any fraud alerts that are inaccurately placed, as these are hindering my access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX XXXXmy account was assessed a late fee of XXXX XXXX.plus interest of {$1.00} My payment was posted onXXXX. I was told that the statement date was the XXXX  of each month From that month to the present, I made my contracted payment plus any additional interest that was charged, on or before the statement date. Because I did not make the first {$40.00} payment, an additional late fee was added each month despite the fact that the contracted payment was made in a timely manner. Additional interest was also added which I also paid. In XXXX I was finally able to have my dispute resolved with the executive branch of Wells Fargo and all of the late fees billed {$200.00} ) were re-credited to my account but not before a delinquent status notification was placed in my credit file that resulted in the reduction of my credit score by XXXX. The credit bureau dispute resolution department is not willing to correct the error in my credit file but has told me that I would have to wait 45days for the matter to correct itself. In the meantime my creditors have either reduced my credit or withdrawn my credit privileges altogether. Wells Fargo had me pay an additional month 's payment and then advised me that this amount was credited to the principal and i now requiring that I pay another month in XXXX. I would like my credit file to be updated to reflect no delinquency and that the payment that was credited to the principal without my approval be credited to my XXXX payment due which is what I was told originally. As you can see, I do not pay my debt late and have bad no delinquencies for the past years. Please help me to correct this unfair practice.

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 2023-11-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: 21ST MORTGAGE CORP.
State: SC

Complaint narrative:
Ive already put in a complaint with the XXXX about 21st mortgage trying to collect a full payment of XXXX for XXXX mortgage payment. They had already received a. Default payment of XXXX and have cashed the check. They receive payments by check in mail and cash every single one. No notice my payment was short XXXX dollars before sending a notice about repossession of my home. I have no issue paying the amount I was short but they want the full payment for the month. When confronted with this issue through the XXXX  they closed all contact with me through them. I had to put to complaints in for them to finally respond to the second and sent proof of them cashing the check for my mortgage payment. I am in the process of finding a lawyer for their illegal activities. The attached files are from my mothers checking account. I dont have checks so she sends them in for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
HARASSMENT BY THE WELLS FARGO ASSOCIATE PERSONAL BANKER NAME : XXXX XXXX, XXXX ID : XXXX XXXX  XXXX XXXX XXXX XXXX Explanation of the incident : I went to the wells Fargo bank  XXXX XXXXXXXX XXXX  to withdrew {$8000.00}. Bank teller ( cashier ) verified and gave me the money. I asked the teller that I want to count the money. And she told me to go to this room and count your money. I said thank you I went to the room to start counting the money and I heard someone knocking the door, I stop counting and open the door. The guy name XXXX XXXX is telling me I can not count the money in here. I said why? and where I can go and count the money? He said go to your car and count the money. I said no I have to count my money inside of the bank and I will leave. He was shouting with me in front of the other customer. He was harassed me in front of the other customer. I was insulted by him. Counting money is not a crime and his attitude was telling in front of the other people I am a criminal. I want the authority needs to take an action against of him. He damaged me by harassing me in front of the public. I need a legal action about him.

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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 SECTION 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On my credit report XXXX XXXX had repprted my account as past due in XXXX of XXXX back in XXXX they told me i qualified for debt forgivness and told me i qualied for hardship and forgave my debt. Than a year latter they come back trying to report to my credit buro.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank received a call on XX/XX/23 from a XXXX area code that didnt match the phone number on file. The bank added a fraud alert to the account according to a supervisor in the fraud department named XXXX. That same day, someone tried again and was able to change the phone number on the account then wire {$3600.00} and {$1200.00} to XXXX. XXXX has offered to investigate the situation. However, US Bank refuses to send a fed reference number, account number used at XXXX or an explanation as to why the fraud claim has been denied. XXXX of several reps in US Banks fraud department has also stated that the bank does not investigate money laundering and has refused to connect us with the legal team or the XXXX team for support. We have been hung up on numerous times. A police report was filed following the fraud in XXXX but we have not been able to obtain any information from US Bank to investigate further. These funds were removed fraudulently from the account. US Bank has provided no cooperation to try to resolve the issue, much less work on the clients behalf to return the funds.

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 monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
In XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While I was at the practice, I paid the {$20.00} copay. I guess the hospital who sent the charge to Harris and Harris sent it over the collections in XXXX XXXXXXXX I have not heard anything about this " debt '' until yesterday, XXXX XXXX XXXX I spoke to 3 different employees of Harris and Harris over the phone and they were all rude to me and weren't requesting payment, but they told me I was in collections for {$19.00}. The next person told me it was for {$20.00}. The next person told me it was for {$19.00} and " some change ''. I was told to send over my proof of payment from XX/XX/XXXX to their email, which I promptly did. I have not received any letters, written correspondence, emails, or texts about this debt from Harris and Harris. 

I reached out to the hospital who sent me to collections and they told me they couldn't access the information, as my account was handed over to H & H in XXXX XXXX 

I'm confused as to why this payment reached collections when I have a verified receipt of payment and this matter took 2 years to be brought to my attention. I just want to know that I indeed did pay for the debt they're seeking and I want it off my credit report. {$20.00} is such a low amount to be sent to collections for in general, so I'm confused. Please let me know if you can help me, because the hospital and H & H do not seem willing to help whatsoever and I paid this bill years ago.

Company response to consumer: Closed with explanation