vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 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: MD

Complaint narrative:
I have a XXXX XXXX XXXX XXXX sent me forms to complete. During this time, my account was in administrative forbearance. However, XXXX XXXX reported late payments in XXXX, XXXX and XXXX. 

Most recently in XXXX, when my account entered repayment without my knowledge, they send the notice by USPS to an OLD address. My address has been updated by email and phone on three occasions in XXXX and XXXX. When XXXX was made aware, they instructed me to dispute with credit bureaus rather than fixing it themselves. When I disputed through credit bureaus, they refused to fix their error despite my credit report even showing the updated address. 

Moreover, the terms of the loan state that as a resident of Maine, I was eligible for loan discharge due to XXXX XXXX XXXXXXXX proven by the form they required my doctor to complete. Yet, they continue to deny, delay and refuse to fix my credit report which caused me to lose a mortgage and reduced credit rating. 

XXXX continues to deny my discharge and is punitive with reporting. I need 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 2023-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
on XX/XX/2023 someone charged XXXX and XXXX transaction fees and XXXX for tax. i filed a fraud complaint with Bank of America and they denied the claim. I filed A claim with Sheriff Dept. in 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 monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have a mortgage with Wells Fargo. 
They changed my mortgage after we closed. My loan was sold to another bank who had different qualifications for getting rid of PMI and now I am forced to continue paying PMI even though I owe less than 80 % if the total.

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 2023-04-16 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: ME

Complaint narrative:
I've purchased 5 Vanilla gift cards ( XXXX $ each ) on XXXX of XXXX last year. I tried to use it on different locations. 
After I contacted the company, they open a case no for me. It solved 2 of the cards, but 3 are still not usable, even today. Case still open and pending...

Case no XXXX on VanillaGift

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
Around XX/XX/XXXX I was alerted that a debt collection was added to my XXXX credit score. Williams & Fudge Inc. is attempting to collect re-aged debt on behalf of XXXX University. I attended XXXX ( merged with XXXX university in XXXX ) during the fall semester of XXXX. I withdrew from the school before XXXX. Maybe during the merger there was an accounting error. I do not believe this debt is correct to begin with as all student loans have been paid off and I was never contacted by the school about owing a debt over the last 10 years. My phone number and email were the same, I also had mail forwarding. If this debt is correct, why was I never contacted before? Additionally, this debt is not a student loan and therefore would be past the statute of limitations for CA and OR. Therefore trying to collect this re-aged debt is a FCRA violation. 

I have disputed this debt collection with XXXX four times. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: World Acceptance Corporation
State: GA

Complaint narrative:
I have been disputing them for a very long time I have been requesting a copy of the contract, showing proof that this is my debt and I have not received anything. All they keep doing is changing the remarks back-and-forth, and now it is saying Im paid on it, which I a lie.this is not my account! they have been removed from XXXX. and not XXXX XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank XXXX Lane Bryant account ) I have talked to several very rude collectors. I finally got them to quit calling me during work hours. I'm a XXXX  and they would call 3-5 times a day in my XXXX. One very rude person told me if I didn't want the calls get a second job and pay my bills. Now they call mainly on weekends 6-10 times a day. Here are some of the numbers they call from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, plus several that show up " restricted ''. Since they don't always leave a voicemail, I am just counting the above numbers that I can proof came from them. Between XXXX XXXX today, XX/XX/XXXX, they have called 25 times And that is mostly all on weekends only. Today alone they have called 7 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
I did not authorize this company to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
Merchants Credit Association ( MCA ) did not provide me with the updated amount of debt that I owed prior to reporting my debt to a credit reporting company. My previous medical debt was {$2500.00} but after my husband and I contacted the WA State Office of the Insurance Commissioner ( XXXX ), the total amount of debt I owed went down to {$100.00}. Considering the vast difference between the original amount I owed and the actual amount owed, I expected MCA to contact me about this corrected debt. MCA did not attempt to speak with me in person about the updated debt, they did not attempt to speak with me over the phone about the updated debt, they did not mail me a letter about the updated debt, nor did the send me electronic communications about the updated debt. Had they done any of these acts, which they are required to do prior to reporting a debt to a credit reporting company, I would have paid the updated debt amount immediately. I simply needed to know exactly how much I owed and who to pay. I previously submitted a complaint to the CFPB about this issue but it went unresolved. While MCA did finally contact me with the information I needed, this entire situation was mishandled by MCA and XXXX  XXXX as no one kept me in the loop of what to pay once XXXX resolved the claims issues I have fought for the last year and a half. Since receiving the information I needed ( again, only after I complained to the CFPB ) I have paid my medical debt.

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I returned a Mercedes XXXX XXXX  vehicle in pristine condition. They sent me a letter with a disposition fee ( I agreed to pay ), excess mileage of {$90.00} ( I agreed to pay ) and {$690.00} for tires which I did NOT agree to pay as I did not agree with their assessment. Furthermore, the pictures in the report I uploaded side with me that those tires were in good condition. I leased this car at XXXX miles, which means these tires were already used. They want me to replace the tires for them so they can bang more buck out of this. Then, they proceeded to report the {$1400.00} amount on my credit trying to ruin a XXXX credit score when this is illegal. They can not assess fees without an agreement outside of the contract. Contract allows them to charge disposition fee of {$690.00} + XXXX = {$780.00}. They can not unilaterally put stuff on my credit leaving me with no choice but to pay or ruin my credit when they are breaking the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NJ

Complaint narrative:
15 USC 1666B States that a ceditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose account # XXXX Auto loan with 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 2023-04-16 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: NJ

Complaint narrative:
15 USC 1666B States that a ceditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose account # XXXX Auto loan with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My complaint is about Capital One. I have a paperless account meaning all of my payment information is done digitally. 

I have an auto payment scheduled on the XXXX of every month for {$500.00}. This is always more than sufficient to pay the minimum payment required for the month. However this month the minimum was {$500.00}. Capital one texts when payments are due and pushes you to the app to confirm payment. The min payment is never communicated in the app or the text messages. They alert you to the auto payment that is scheduled but they do not tell you that the {$500.00} auto-payment is not sufficient for the minimum in the text message reminders OR the app. This sort of automated alert is not difficult at all to program. It is intentionally deceptive. It results in 1. ) a late payment on your credit and 2. ) a {$40.00} late fee. The auto payment is schedule for the last possible day of the payment term so if your min payment. Is greater than your auto payment you immediately are assessed a late fee, which then raises your min payment for the next month wherein your auto payment amount will again be insufficient. 

All of this can be solved by two easy and transparent acts. 1. ) in the text message alert that we as customers sign up to receive they can include the min payment amount so that we can make an informed decision about whether our auto payment is sufficient and 2. ) on the app, where the text message links you, they where they show your credit balance, available credit and payment due date they can also show you your min payment do AGAIN so you can make an assessment of whether your auto-payment is sufficient. Simple programming in both the app and text messaging system can give you the ONE piece of info you need to make a decision about payment but they fail to give this, creating an avalanche of problems and fees and credit reporting issues. Capital Ones response is, you should have looked at your statement! This is really deceptive when the text messaging system gives you ALL the information you need and the APP that they drive you to gives you ALL of the info you need EXCEPT the most critical piece of information, which they have, but which they require you to look into the depths of their system to find. It does not require ANy work on capital Ones part to provide min payment due on n their systems but they have intentionally made a programming choice not to include this because it results in consumer confusion and they profit from that and then blame the customer. It cost me {$40.00}. The easiest {$40.00} Capital One will make and one they made my making conscious decisions to omit useful consumer information in their baseline communications on bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked multiple times through mailing correspondence as well as over the phone, for the consumer reporting agencies to update my personal information as they are reporting inaccurate information on my consumer report which is in a violation of FCRA.

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 2023-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX contacted me via phone and informed me of the debt emailed me a list of charges that I then informed them could not belong to me as I lived in another state at the time of these charges. And when the XXXX took over The XXXX XXXX  I had a rejected application and I moved to XXXX XXXX for a job offer. Upon investigation I found police reports stating the tenants were served an eviction which me and my partner had no knowledge of being in another state and I was recovering from giving birth so even if I had know about the supposed court date I would not have been able to make it. There were service requests being made in that apartment under my name which I only just found upon trying to dispute this. It seems as if when the new company had bought out the old that they had a new tenant put in an application and begin living in the apartment under my lease as I have never signed a lease with XXXX XXXX XXXX Which would also make sense for the use of utilities while I was in a completely different state. As well as when I forwarded my mail to my current address I had started receiving the new tenants mail further proving another person living in this apartment under my name. Then recently a duplicate collection from the Apartment was added from another collector-procollect, as well as I recently received a third collection this time via mail ( the only written one I have received ) which I disputed directly with them upon arrival of the letter. Yet the apartment just keeps selling this fraudulent collection. 

I have included charges from XXXX as well as court report which shows various prices and dates as well as my application rejection for these apartments, services requests made and XXXX XXXX court records showing me in XXXX XXXX and not 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 2023-04-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I didnt authorize XXXX,XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX, XXXX XXXX XXXX XXXX,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX  # XXXX, has violate my rights XXXX  XXXX XXXX XXXX, has violate my rights XXXX XXXX XXXX XXXX, has violate my rights US DEPT OF EDUCATION # XXXX, has violate my rights DEPT OF ED/XXXX  # XXXX, has violate my rights DEPT OF ED/XXXX  # XXXX, has violate my rights DEPT OF ED/XXXX XXXX XXXX, has violate my rights 15 U.S.C 1681 section 602 A. States I have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any following items of information Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was told I was applying for a medi-cal contract to pay for dental work. When I was under sedation, in the dentists chair I was told to sign forms for the medi-cal programs and instead they had me signing up for a loan I can't afford and all the work was covered by medi-cal at no cost to me. Why would I need a loan at almost 30 % interest and 30 years to pay off. I'm a XXXX  veteran, XXXX XXXX XXXX and can not possibly afford such a loan.

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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

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 2023-04-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: PA

Complaint narrative:
Hello, I am reaching out as a somewhat last resort. I have a PA Way2Go ( prior PA Eppicard ) that is expiring in 2 weeks XX/XX/2023. I simply need my new card. 

I have attempted to contact the Way2Go customer service line ( I don't know if anyone at your organization has attempted to navigate that otherwise worthless phone system ) but it's circular and provides NO option to speak with anyone -- and if you try to re-route in the phone system itself it will constantly hang up on you. 

Additionally, I have reviewed the program documentation in detail ( since the Bank that the accounts sit in is provided through Conduent ), neither PA Way to Go or Conduent provide any email or general service mailboxes to send inquires and requests. There are 2 service center phone numbers that operate identically ( see my comment above ) -- this has got to be the worst oversight/customer service for a program that spans the entire state. 

Can someone there help to put me in touch with someone for my new/updated card? There is actually NO OPTION in the phone system for a card except to cancel or report one stolen.

Company response to consumer: Closed with explanation