vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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: AmeriCollect
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX To Whom It May Concern, I have recently received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities so that I may become a first time home buyer. I noticed several accounts that should not be on my credit report and thus should be deleted. I am not stating theyre accurate or inaccurate, however I am not 100 percent sure if they are. Recently I discovered the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am not sure is accurate. 

The Creditors who have reported inaccuracies on my credit I have never heard of which positioned me to mail in this letter of concern. I'm sure you are familiar with Article 15 U.S.C. Sec. 1681i ( a ), as it states that if you cant provide proof, these accounts must be deleted. I would like for the inaccurate accounts ( listed on the next page ) to be deleted. If possible can you check on these accounts and get back with me? 

Its imperative that these accounts are removed in order for me to become eligible for home loans. If there is any paperwork that I need to sign to confirm the listed inaccurate accounts are not mine please email me the required documents. 

This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be Aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 





Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX To Whom It May Concern, I have recently received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities so that I may become a first time home buyer. I noticed several accounts that should not be on my credit report and thus should be deleted. I am not stating theyre accurate or inaccurate, however I am not 100 percent sure if they are. Recently I discovered the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am not sure is accurate. 

The Creditors who have reported inaccuracies on my credit I have never heard of which positioned me to mail in this letter of concern. I'm sure you are familiar with Article 15 U.S.C. Sec. 1681i ( a ), as it states that if you cant provide proof, these accounts must be deleted. I would like for the inaccurate accounts ( listed on the next page ) to be deleted. If possible can you check on these accounts and get back with me? 

Its imperative that these accounts are removed in order for me to become eligible for home loans. If there is any paperwork that I need to sign to confirm the listed inaccurate accounts are not mine please email me the required documents. 

This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be Aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 





Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: AL

Complaint narrative:
Im using a company named XXXX. To pay down my debt accounts. They reported to me. XXXX XXXX. Doesnt own the XXXX XXXX account. Which is being reported on my credit reports. XXXX sent XXXX XXXX a lump sum offer. To resolve the account. XXXX XXXX tried to receive and offer for 70 % of total. If they sold the account. As XXXX is stating. They can no longer receive funds for the XXXX XXXX account, they sold. No other company is being reported as owner of the XXXX XXXX account in question. I want to have this account Verified.

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 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
The credit card company American Express offered a XXXX XXXX offer, which was purchase over {$500.00} and get {$100.00} back. I enrolled in the offer and made a purchase over {$500.00} from XXXX XXXX website. However, the credit card company said I enrolled in the offer after I made the purchase and refused to give me the {$100.00} cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: MN

Complaint narrative:
I got a bill for my son for his XXXX  stay. It originally was {$940.00}. I called to pay it in full and on XX/XX/21 I paid {$940.00} and I was told it would be paid in full and would owe no more money. I then get another statement saying I owed an additional {$1800.00}. I have the original statement showing the total due was {$940.00}. Then a new one showing I still owed {$1800.00}. Makes no sense. I had 3-4 statements of the total bein {$940.00} so why the sudden jump? The hospital refused to work on it with me, the supervisor said he would send it through insurance and would call me back and he never followed up unless I called. We got no where and they sent the additional {$1800.00} I should not owe to collections. I have the statements. They claim they dont see the original {$940.00} statement but I have it. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 Capital One closed the credit card account after receiving my XXXX. Please see attached documents for details of what Capital One has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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:
PLEASE SEE ATTACHED DOCUMENTS FROM CREDIT REPORT SHOWING INACCURATE ACCOUNTS. PLEASE REMOVE DUE TO VIOLATION OF THE 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 2022-04-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: MI

Complaint narrative:
I finally received a child support payment from the State of Michigan after 9 years and it was deposited onto a Way2Go prepaid card. I was able to use the card for 24 hours then every single transaction for the next 3 days was declined. I have not been able to get anyone to resolve my issue. After 9 years I still am not able to use these funds for my children and apparently no one that works for this company can figure out the issue either. After 3 days of calling the 24/7 number listed on the back, I STILL can not use the card and the issuing bank says the card was white listed and no locks are seen on their end. Idk why the State would use such a shotty financial institution but Im sure its to inconvenience anyone involved in their system. Im not sure why the company can falsely advertise availability but I have numerous calls to the company recorded where they just hang up or the number on the card that has absolutely NO ONE to talk to as far as a human being. The State of Michigan is not answering the phone where the card was issued and I dont think people should have to wait weeks to use their own money. A class action suit is definitely needed to compensate all the consumers with lost time and frustration. This service is an absolute joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I use Chase Bill pay for most of my bills and have for years without incident. On XX/XX/22, I made a 400 $ payment for a vehicle using Chase billpay as I always have. For some reason, this time the lender did not receive the funds. I contacted the lender first and showed proof of payment through Chase. The lender did a research request and contacted me 3 days later stating they found the problem. Chase has a 3rd party vendor for Bill pay called XXXX XXXX and my transaction was found on an XXXX list for missing bill payments. She stated Chase would need to retrieve my money through this vendor. So, I contacted Chase. I was transferred many times but was finally about to submit a claim. Chase sent me a letter 3 days later stating there was no error and the matter was closed. So, I went in person to a Chase branch. I gave a banker all of my documents and explained what happened. She called Chase customer support and tried to find a resolution. She was unable to get any helpful response. In fact after she was transferred many times, no one could even tell her who the 3rd party vendor was that Chase uses. She did get them to agree to open another claim, and she faxed all of the documentation to the claims department stating my lender never got the funds from the bill pay transaction. 3 days later, I got another letter from Chase stating the matter was closed. No one from Chase has offered any resolution and everyone I have spoken to on the phone just has an attitude of oh well. So, I am missing 400 $ that Chase refuses to retrieve when the lender I contacted first found the missing payment easily and said it just needed to be researched through this 3rd party vendor by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TX

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS FROM CREDIT REPORT SHOWING INACCURATE ACCOUNTS. PLEASE REMOVE DUE TO VIOLATION OF THE FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TX

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS FROM CREDIT REPORT SHOWING INACCURATE ACCOUNTS. PLEASE REMOVE DUE TO VIOLATION OF THE 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 explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Me and my wife have been going through a divorce process. I found out that she added me to a credit card as a joint user and she claimed on the divorce papers that I have been served to divide half of the debts which is not fair because I never authorized her to add me to credit cards or credit records including federal assistance. I would like to solve this with American Express. I have even called AMEX to report that issue and that is still showing on my credit report/score. I would like all this removed including debts and credit report for the AMEX. I also don't have any knowledge if she is still using the card that's under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good day Wells Fargo XXXX XXXX XXXX I received your response today and as usual you have failed not only me as a Consumer, but you have failed the once pristine reputation of Wells Fargo. Should really think about changing your brand? Anyways youre previous and multiple responses do not address the cusp or root of the issue at hand. I'm not trying to persuade you to change your position based on new information. I'm stating that you need to change your position based on the information that has all already been provided. 
Again just because you deem the matter closed doesn't make it so... I did not except the almost identical terms and agreements of a loan that was deemed predatory and unlawful within our justice system. If I have to bring your so called modification in front of the Supreme Court for a final ruling I can do that as well. So to be clear, and keep in mind these complaints will be used against you as an attempt to resolve the matter amicably, the Modification was not handled in a manner that's been deemed fair and in the best interests of me the consumer based on my financial situation at the time. As a reminder then Attorney General XXXX XXXX named Wells Fargo as possible violator of the {$25.00} billion National Mortgage Settlement. Florida had received {$28.00} million as part of a multimillion, multistate settlement entered with Wells Fargo Bank N.A. to resolve claims that the bank violated state consumer protection laws, among other laws.

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 2022-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was charged a late fee of {$29.00} even though I made the minimum payment due. The statement printed on XXXX with a minimum payment of {$29.00}. I made a payment of {$25.00} on XXXX and another {$25.00} on XX/XX/18 for a total of {$50.00}. The customer service agent told me that payments made on the statement date will not count towards the minimum payment due. I dont see how that is a fair practice for me as the consumer when the payment made XXXX was not reflected in the statement printed on 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 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A fraudulent charge was placed on my account for {$1200.00} on XXXX and I issued a compliant and my bank refuses to refund my money.

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 2022-04-01 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: IL

Complaint narrative:
Hi I am submitting this XXXX T 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 XXXX 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.

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 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
53 Bank went to auto debit my monthly payment on XX/XX/XXXX as usual. However they added lender forced insurance. The payment was denied because it was more than the normal principal and interest payment amount. I have had this mortgage for almost 7 years and have never been late once. Since XX/XX/XXXX, I have made numerous attempts to rectify this issue and make my normal principal and interest payment. I have had my insurance carrier reach out to 53 Bank and assure them that there has never been a gap in coverage. Numerous call have been made to 53 Bank, yet each department tells me I need to go to a different dept, such as collections. However Collections tells me that I am required to make a payment that includes this extra {$800.00} dollars. Which I am not comfortable doing, as 53 Bank has made an error and should have never places Lender Forced Insurance to begin with. 

I feel I am being taken advantage of and don't feel I should be in default on a mortgage, as I have made more than a reasonable numbers of attempts to pay my normal monthly mortgage principal and interest payment. 53 Bank 's internal loan servicing is the worst I have ever experienced as a borrower.

Bottom line, I want to make my payment. I should not be required to pay lender placed insurance, as there has never been a gap in coverage. 53 Bank is not working with me. And now I have late payments and could receive a ding on my credit report for the reporting bad info to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: Zachter PLLC
State: TX

Complaint narrative:
I tried to contact XXXX XXXX on issue and reached out to XXXX Zachter Law Office in response to liens placed on several accounts. Since its on a recorded line the staff from paralegal to further representative were disrespectful to me multiple times. I asked how to pay, can I pay over the phone and told by the staff I was rambling/disrespectful. I wanted to get clarity on when this had gone to court, Why was I not appropriately served, and I did not wave my right to a NEW YORK court when XXXX funding is located in Florida. I will be reaching out to the New York XXXX XXXX XXXX XXXX XXXX and many others to stop the unlawful liens, court dates I was not notified of, and illegal activities of the Zachter Law Office staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: SC

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint against Transunion Consumer Solutions. There is no third party involved in this complaint. I am demanding that Transunion Consumer Solutions provides me with a copy of my written instructions that states I would like for their consumer reporting agency to furnish these fraudulent accounts. I am requesting that Transunion Consumer Solutions provides me with their method of verification used to " verify '' the alleged accounts. According to the Fair Credit Reporting Act, Transunion Consumer Solutions has violated my rights under 15 USC 1681b ( a ) ( 2 ). The accounts listed in the exhibit attached need to be deleted from my consumer report immediately. Transunion Consumer Solutions have failed to provide me with proper verification, nor do they have written instructions or consent to furnish these fraudulent accounts.

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 2022-04-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SL Finance LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I was contacted by SL finance saying that they were the new collection agency of my Federal Student Loans. They told me that they will set me up on a plan paying {$170.00} for 4 months and eventually my student loans woukd be forgiven. Here we are in XX/XX/XXXX and Im finding out that my Collection agency had only changed earlier this month, My balance hasnt decreased and also that SL finance is a fraudulent company. They falsified promissory notes. This is a crime. I need help. Every time I call and wait on the line the phone coincidentally hangs up. This is so wrong. 
SL Finance XXXX XXXX XXXX XXXX U.S. Department of Education

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation