vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: AK

Complaint narrative:
I have recently ( XXXX ) been contacted by debt collection about a gym membership from XXXX. The debt is from a company that I am not familiar with ; however, I did have a gym membership at this time. I believe the old gym XXXX XXXX XXXX ' that I had a membership with was bought out by XXXX XXXX XXXX ' ( XXXX, XXXX ) and my " debt/membership '' along with it. I enlisted in the XXXX in XXXX and submitted the associated documents to have my obligation relinquished with XXXX XXXX XXXX '. I have been in XXXX and XXXX since that time. The debt of ~ {$280.00} is being requested from First Credit Services stating that debt is owed from a contract from XXXX. I believe they are collections based out of CA, based on the caller-ID that have been attempting calls daily. I notified them of the information above, but since they have no direct relation to the gym 's records it is apparent they aren't considering this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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:
The company illegally checked the status of my stimulus payment and demanded payment from the stimulus. Sent XXXX complaint which included a copy of the recording

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to bring a particular issue to your attention that I have been facing with the Credit Bureaus. I am an XXXX  individual and have been having a hard time getting a fraud alert removed from my account. 

The issue began on sometime last year. I noticed the fraud alert on my account. Since then, I have been attempting to get the fraud alert removed. 

In XXXX of this year, I contacted the customer service department of my financial institution and explained the situation. I was told that the alert would be removed within ASAP, however, the alert still remains. I have made several subsequent attempts to resolve this issue with the company, reaching out via phone and mail, but to no avail. 

I would like to mention that under the Fair Credit Reporting Act ( FCRA ), I am entitled to have complete and accurate information in my credit report. Moreover, the Fair and Accurate Credit Transactions Act ( FACTA ) allows me to place and remove fraud alerts, which I have found to be a difficult process with my current financial institution. 

The continued presence of this fraud alert has caused me significant inconvenience and has limited my ability to manage my finances effectively. It has also caused undue stress and XXXX, as I am unsure about the status and security of my account. 

I am hoping the CFPB can assist me in resolving this issue by working with the credit bureau to remove the fraud alert from my account. Your assistance in this matter would be greatly appreciated.

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 2023-06-02 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX XXXX has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. 
I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX highlander. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than XXXX late payments. I was never XXXX or XXXX  days late. 
How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for XXXX mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you

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 2023-06-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. 
I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX XXXX. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than 2 late payments. I was never 30 or 60 days late. 
How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for 20 mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: NC

Complaint narrative:
XXXX XXXX XXXX has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. 
I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX highlander. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than XXXX late payments. I was never XXXX or 60 days late. 
How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for XXXX mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you

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 2023-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I spoke with a customer service representative for Wells Fargo and asked them if I could mobile deposit my fianc check into my account because he doesnt have a active checking account they advised me that it was possible as long as he endorsed it on the back so we followed the instructions and it cleared and I shredded the check as we had no use for it once it posted. On XX/XX/XXXX I got a alert on my account that my account was overdrawn by XXXX dollars due to a duplicate mobile deposit to my account so I called the customer service to investigate and went into the branch and no where does it reflect anywhere on my account or statements since XX/XX/XXXX of a duplicate mobile deposit for the same check that was deposited on XX/XX/XXXX for the amount of {$300.00} dollars. So they said they had 10 days to investigate they sent me a letter stating that the check was now deposited on XX/XX/XXXX into a other account at wells Fargo which is impossible because it was shredded and disposed of almost a year ago. The story doesnt add up because first they stated I mobile deposited it twice and then now someone else who isnt my fianc deposited into a account at Wells Fargo when he doesnt have a account with you and I only have the XXXX checking account how could they have done that without it flagging that the check has already been deposited almost a year ago to my account? How did Wells Fargo create XXXX different scenarios when if someone tried to deposit a duplicate check to their account they would get fined and not the person who it has already posted almost a year ago this is a internal error or fraud Ive spoke with many people who say Wells Fargo has many lawsuits for this type of scam.

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 2023-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
According to the notice, the original debt is with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX for {$290.00}. 
GRANT & WEBER ( reference # XXXX ), Debt collection agency, sent me a written notice on XX/XX/23. I did NOT receive the notice until XX/XX/23. 
Issues : 1. I do not/ have not agreed to any debt directly with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have insurance and everything I do is directly through XXXX XXXX. I have a record of any outstanding balances from XXXX and this was NOT included. 
2. I have NOT received any written notices/ Invoices from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
3. I have NOT received any notices that my debt will be referred to a debt collection agency. 
4. GRANT & WEBER confirmed that they reissued the letter because they had issues with the mailing address. However, when they mailed the notice, the date of the letter stayed as XX/XX/23. That means that my credit can directly be effected 60days from the wrong start date. 
5. I called the GRANT & WEBER and asked for the original Invoice showing my original debt. I talked to XXXX @ ext XXXX. She said that it will be emailed to me. But I never received any documentation.

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 2023-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
On XX/XX/XXXX we closed on a new construction home built by XXXX XXXX. We had initiated this purchase in XXXX of XXXX by placing a 5 % deposit on the home that was only returnable if we did not qualify for the loan for the home. Between XX/XX/XXXX and XX/XX/XXXX the Interest rate increased significantly ballooning the monthly payment to where it represented 54 % of our household Gross income. with the interest rate rise I contacted our Loan Officer XXXX XXXX XXXX  # XXXX, who works with XXXX XXXX XXXX in regards to how with the increased interest rate the loans monthly payment was well beyond the realm of being affordable, and that I did not feel I qualified for a loan with such a large payment. XXXX stated that we still qualified for the loan and at no point advised us of any options to freeze the loan process. Ultimately a buyer purchased our existing home at full price which obligated me to sell the home and proceed with the purchase of the new home at a payment amount which was not affordable for our family, with the promise of future relief from a refinance in XXXX or XXXX of XXXX, this relief has been unforthcoming. This loan was underwritten and issued by Cross Country Mortgage LLC. In this case both XXXX XXXX XXXX and Cross Country Mortgage exhibited gross financial malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 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 2023-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am contacting you to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that these accounts and information listed below are not reported on my consumer report. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I urgently request that you remove these accounts and information from my consumer report without delay, as they are in direct violation of multiple laws. I expect immediate action to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: WI

Complaint narrative:
we need to update all three credit files at XXXX and Equifax and XXXX. first the consumer statement is wrong i need that to have the right phone number in which should be XXXX we need update the security / credit freeze and add an initial extended fraud alert. we also need to fix my credit inquires and accounts removing every thing that was fraudulent and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: WI

Complaint narrative:
we need to update all three credit files at XXXX and XXXX and Experian. first the consumer statement is wrong i need that to have the right phone number in which should be XXXX we need update the security / credit freeze and add an initial extended fraud alert. we also need to fix my credit inquires and accounts removing every thing that was fraudulent and not me.

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 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: WI

Complaint narrative:
we need to update all three credit files at Transunion and XXXX and XXXX. first the consumer statement is wrong i need that to have the right phone number in which should be XXXX we need update the security / credit freeze and add an initial extended fraud alert. we also need to fix my credit inquires and accounts removing every thing that was fraudulent and not me.

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 2023-06-02 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I do not know who opened an account with my name but with another address so best buy contacted me and they ask me about but I did not know nothing about so they sent me a letter where say that they took off all charges on my name month later they sent me a letter and they say that they going to do legal actions on me but I never used the credit card that they suppose I have.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: DISCOVER BANK
State: NY

Complaint narrative:
Today is XX/XX/. I opened an account with Discovercard XXXX They required a deposit of {$200.00} or {$500.00}. I deposited {$500.00}. Today, when I told them I was going to deposit {$5000.00} as soon as the card was activated, they told me that is impossible with them. They said I could only ad {$50.00} at a time up to a maximum of {$2500.00}. That is useless to me. I had already found a card that uses a savings account to back the card and I can deposit any amount and then use the card for purchases, which is what I need. I called Discovercard and told them I want my {$500.00} back now so I can make a purchase of medical equipment. They said they " can't '' - translated " won't '' do that. They said the account needed to be fully set up and activated before I could get my money back and that it takes about 10 days for that. I told the rep to connect me with a supervisor or XXXX ( XXXX ) who said the same thing. I NEED MY MONEY BACK AS FAST AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX ( XXXX ) XXXX Dear XXXX, XXXX, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : SHard Inquiry XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CArd XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am disputing this claim due to : The reason being I have no knowledge of ever applying to and of these creditors This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed mav be additional evidence to support my claim. 
Sincerely, By XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation