vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XXXX XXXX, 2023 : owned accounts between XXXX XXXX XXXX and American Express National Bank savings were linked for electronic transfers per XXXX XXXX XXXX XXXX XX/XX/2023 : {$1000.00} transferred to AMX from XXXX XXXX. Transaction credit never acknowledged by AMX. Trace ID provided by XXXX. XX/XX/2023 : Spoke with AMX on-line help to see why the deposit was not reflected in my savings acct. Spoke with XXXX XXXX on-line transfer help line to see why deposit to AMX was not made. Initial claim generated with XXXX XXXX XXXX XXXX. Claim # XXXX. XX/XX/2023 : XXXX XXXX closed claim per " miss-applied funds '' by AMX. XXXX went into my AMX savings account and transferred {$1000.00} back to XXXX account to close the claim. The original {$1000.00} transfer was never shown as a credit to my AMX. XX/XX/2023 : FDIC Case # XXXX filed on-line via the FDIC web site. XX/XX/2023 : Wrote a claim letter to AMX at their XXXX XXXX XXXX Claims office for the missing {$1000.00} electronic transfer deposit from XXXX XXXX. XX/XX/2023 : FDIC Case # XXXX was referred to : The Office of the Comptroller of the Currency - complaint completed on-line Case XXXX XXXX. XX/XX/2023 : received a dated letter from the OCC Consumer Assistance Group referring my case to : Consumer Financial Protection Bureau. XX/XX/2023 : completed a complaint on-line with Consumer Financial Bureau . 
Called CFPB, asking if I needed a second complaint for American Express National Bank, they were the receiving party to the attempted ACH transfer from XXXX XXXX. To date, I have received no updates to the American Express Dispute letter I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I downloaded a credit app to look at my credit and this credit card was on there that I dont know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I submitted an informal dispute directly to Experian XXXX and XXXX informing them that I have not given my formal permission for the inquiry into my credit file nor written expressed permission contained in a list of companies that i have no knowledge of I ask that this information be removed and or deleted from my credit file the credit bureau s have failed to investigate this matter conduct a proper investigation into the disputed inquiries

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 2023-03-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My student loans were paid off/forgiven in XX/XX/2023 with XXXX. I received a letter stated that I have a XXXX  balance and no longer owe money to XXXX or Dept Education.

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 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Received two collection notices from TSI ( https : //tsico.com/ ) on behalf of XXXX for one of my companies. Called them to see what they are referring to since we're usually pretty current on our shipping bills. Was told it was for two shipments back in XXXX or so. Said I'd have to verify with XXXX to confirm they were unpaid. Had a pleasant conversation with someone there who, when I asked, advised me that yes, I can still pay them directly thru XXXX ( and therefore save the agency 's 14 % fee ). 

Went to the XXXX site, called them, paid the bills in full. TSI has been calling me about the so-called 'late charge '. The thing is the XXXX doesn't have a late charge. When I called they confirmed the bills were satisfied in full. 

TSI continues to call me and say they want their money. My response is always civil ; I speak with them and explain they're not entitled to a debt processing fee since they didn't process any payment. I've told them several times I am not ever going to pay. They continue to call and are belligerent when I respond that way. 

BTW 14 %!? Really? How is that legal? How can that be a fair percentage for sending a biull and processing? It's not as if they own the debt ; XXXX still was the debt carrier. 

I'm guessing this is happening to hundreds of individuals and firms as XXXX is a large company. I have even reached out to them to make note that perhaps TSI isn't the best collection arm to align themselves with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: DISCOVER BANK
State: NY

Complaint narrative:
I am writing this complaint to DISCOVER BANK. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. 

They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
I am writing to express my disappointment and frustration with a recent experience at one of your branches and to request the immediate lifting of a hold on my account. 

I have been unable to access my funds due to a hold placed on my account, despite having proof of a legitimate deposit. I recently deposited {$4500.00} into my account via XXXX XXXX from my XXXX XXXX. I have attached screenshots to this email as evidence of this transaction. 

Upon returning home from a trip, I discovered that my work cell phone had been stolen from my car. I promptly reported the theft and any associated fraudulent charges to your bank and informed the representative about the situation. Despite providing this information, my account remains inaccessible. 

Furthermore, I visited your branch at XXXX XXXX XXXX XXXX, Washington, DC XXXX to address this issue in person. Unfortunately, the staff members I interacted with were not only unhelpful but also extremely disrespectful, asking inappropriate questions and exhibiting rude behavior. I have recorded this encounter to document the level of unprofessionalism I experienced. 

As a popular gamer with over XXXX XXXX followers on both XXXX and XXXX, I have a significant online presence and influence. I am hopeful that this matter can be resolved promptly and without further escalation. However, if I do not receive the necessary assistance, I will be compelled to share this incident with my followers.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including billing statement and identification. Thank you for your prompt attention to this matter. 

The long list of INCORRECT Addresses that should be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: VW Credit
State: CA

Complaint narrative:
Hello, I have refinanced my loan with VW credit inc and the account was closed from XX/XX/XXXX. There was an over payment on the account of over {$2000.00} due to cancellation of service protections. I have called VW once or twice a week to get the status of my refund and every time it is a different story. I need my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX is the loan company for XXXX This was never a loan as the car my son received was not working and they are picking it up. XXXX paid for the two months that they left it sit in the driveway. They insist on having it delinquent on my account and still showing late fees, it was never an active loan. I want it off my credit report completely.

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 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
XX/XX/2023 I Reached out to this company by mailing out a Letter to Resolve my issue, I asked Rent Recovery Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX I spoke with a representative regarding late payments to my account which shouldn't have appeared on my credit report due to a loan modification that was made during Covid. A hardship was offered that was covered under the CARES act. She asked that I email a copy of my credit report showing late payments and that within 10days would be corrected. I've yet to see the correction of late payments that qualified as loan modifications for the following dates. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Attached is the email that was also sent XX/XX/XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
- Tried to set up automatic payments online, unsuccessfully due to a software issue that the mortgage company experienced. 
- Tried 3 times to set up automatic pay on the phone as customer service walked me through. Customer service should be able to check on their end once I had completed the task to see if it was set up correctly - The only notification of whether or not it is correct was a letter in the mail. 
- I had received letters prior but never receive one the last time I tried to set up auto pay with customer service on the phone - It is set up correctly with the same exact bank account information on another loan I have with united wholesale mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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:
I've contacted XXXX, TransUnion, and XXXX multiple times to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 15 USC 1681 s-2 says you are a furnisher of information. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. These laws are very clear! I want this negative information and accounts removed from my consumer report immediately! I also have my submitted FTC report attached

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 2023-03-29 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2023-03-29 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: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX and is reporting fraudulent account and misleading tradelines I have know knowledge of an obligation to them.

Pursuant to 15 USC 1692a ( 3 ) as a consumer I am not obligated nor responsible to pay you this NOTICE is to inform you that I refuse to pay the alleged debt that you are attempting to collect in the amount of {$1400.00}. You are now on notice to cease and desist all communication. attempting to collect on this account is racketeering activity according to 18 U.S.C 1961 ( 1 ), also your conduct is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. You are also in violation of 15 U.S. Code 1692f for putting your logo on the letter sent to me. I am aware of XXXX XXXX XXXX Employees using material misrepresentation for their financial gain which is in fact fraud. I am also aware that my SSN Number belongs to the social security Administration and anything purchased with that identifying number is an obligation of the UNITED STATES in accordance with 18 USC 8 and being that XXXX XXXX XXXX Employees/agents is attempting to collect an alleged debt from me the consumer makes you guilty and in violation of the False clam act 31 use 3729 - 3733. I am invoking my specify remedy as a consumer pursuant 15 USC 1692c ( C ) and I am demanding you do the following.. 

Cease communication from me and from all mediums Within 5 days Provide Validation of Debt pursuant to 15 U.S.C 1692g Notarized Ledger from accountant with firsthand knowledge. 
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 non-monetary relief
Consumer complaint received 2023-03-29 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: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX and is reporting fraudulent account and misleading tradelines I have know knowledge of an obligation to them.

Pursuant to 15 USC 1692a ( 3 ) as a consumer I am not obligated nor responsible to pay you this NOTICE is to inform you that I refuse to pay the alleged debt that you are attempting to collect in the amount of {$1400.00}. You are now on notice to cease and desist all communication. attempting to collect on this account is racketeering activity according to 18 U.S.C 1961 ( 1 ), also your conduct is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. You are also in violation of 15 U.S. Code 1692f for putting your logo on the letter sent to me. I am aware of XXXX XXXX XXXX Employees using material misrepresentation for their financial gain which is in fact fraud. I am also aware that my SSN Number belongs to the social security Administration and anything purchased with that identifying number is an obligation of the UNITED STATES in accordance with 18 USC 8 and being that XXXX XXXX XXXX Employees/agents is attempting to collect an alleged debt from me the consumer makes you guilty and in violation of the False clam act 31 use 3729 - 3733. I am invoking my specify remedy as a consumer pursuant 15 USC 1692c ( C ) and I am demanding you do the following..

Cease communication from me and from all mediums Within 5 days Provide Validation of Debt pursuant to 15 U.S.C 1692g Notarized Ledger from accountant with firsthand knowledge. 
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 non-monetary relief