vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I received notice of a collection account reporting on my credit from XXXX XXXX XXXX XXXX for a debt they have reported twice on my credit report. This error is in violation of the FCRA reporting act and I have disputed the reporting with little to no help from XXXX or the credit bureaus. All validation they have sent me for the account only validates a collection on my report titled XXXX not XXXX or XXXX XXXX. The account reports 3 separate account numbers for the same debt. The one they have repeatedly validated with no contract bearing my signature is the account beginning in XXXX which reports as XXXX not as XXXX. The actual account reporting as XXXX  shows a different account number beginning in XXXX which they have not validated once despite numerous attempts. How can I have 2 open accounts with one company for one debt reporting as two accounts with two different account numbers this is in clear 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 2021-08-17 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: TN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CT

Complaint narrative:
I have sent the rescission letter to Mercedes Benz of XXXX and Mercedes Benz Financial Services legal department. I cc the Connecticut Attorney general, Connecticut State Comptroller, Federal trade Commissioner, and OCC. My notarized rescission letter is attach to this complaint. 

YOU ARE NOW ON NOTICE. YOU HAVE 10 CALENDAR DAYS TO RESPOND WITH MY DEMANDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I have been trying to solve my debt situation for 3months now but still has not been solved. 

I closed the Chase credit card account in XX/XX/2020. I went to the branch and they guided me to call the Chase Card. I explained the whole situation that I would not be in the U.S so I wanted to make a payment of all the transactions including future transactions. 

I followed every direction also paid the amount that Chase told me. 

Now I am back in the States and I see the crazy late fees and the amount that I paid ahead is not even reflected on the statement before the late fees. 

I disputed and re disputed the claim about it however I can not make any progress when I try to communicate and followed their directions. 

Please help and advise. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On my credit report, I have two medical collections from AWA Collections. One medical collection for {$100.00}, and another for {$100.00}. 

I called AWA Collections regarding the two medical collections and was told they have no record of the {$100.00} collection. Even though it still shows up on my credit report as unpaid and belonging to AWA Collections. I spoke to a representative named XXXX. I haven't paid the debt, so I'm unsure how to proceed other than reporting it. I dispute the collection. 

Information : AWA Collections, XXXX, Opened : XXXX, XXXX : XXXX, Balance : {$100.00}, Last Actiity : COLLECTION XXXX, Decode : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX, " UNPAID ; MEDICAL ; ORIGINAL CREDITOR BUSSINESS TYPE : MEDICAL/HEALTH ; ACCT SUBMITTED TO COLLECTION ; PAST DUE PAST {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My credit card is for PC Richards but with synchrony bank. On XX/XX/XXXX I had my 2nd decrease in my credit limit in the last few months. I contacted the company the 1st time they decreased my credit limit, To try to determine why my credit limit was decreased and also why I was not notified of the change. I was greeted with nasty comments and being hung up on and still no notice being sent to me after speaking with two different people. Now on all this XXXX it happened again without any notice being sent to me. Each time the change pushes me over my credit limit, which drops my credit score. Then they charge me a over the limit fee on top of it. I only find out about the changes because I have XXXX XXXX. I have been with the company a few years and constantly make my payments. Then when I call them and ask why I'm not receiving the notice or being told when I login into the account. I'm told they only send the notice in the mail and pass the buck onto the post office. They say they sent 3 notices but I haven't gotten any at all. I was forced to ask them to read it to me over the phone and the reasons she gave me were lies. They did the same thing with another account I had with them until I was forced to close the account. Even though the account was always {$0.00}. The PC Richards card hasn't been used in some time now. I have never had cards lower this often before this.

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After noticing some missing and inaccurate data on my credit file. I faxed in an investigation request on several occasions. This is the attempts I made XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX and I mailed on XX/XX/XXXX. I got no response to any of them. I will attach the latest letter on XX/XX/XXXX since I have gotten no response and the failure to investigate the accounts should be removed or updated.

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 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$110.00} Reason : Identity theft Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX- Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of InquiryXX/XX/XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of XXXX XXXX Date of InquiryXX/XX/XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
FTC filed CAPITAL ONE AUTO FINANCE debt is no obligation of my and was the result of identity theft. Stop falsely reporting this to XXXX. This account have already been removed from XXXX and XXXX. This is a violation of my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
I had a credit debt from XXXX which I wasn't able to payback due to my situation at the time. I wasn't released till XXXX. Now, I have received no notifications until XXXX when my employer garnished my wages for a court order from Dobberstein Law Firm , LLC. An lawyer in XXXX, Wisconsin. According to Executive Order 20-50 and in extension 21-02, prohibits such actions with fines and penalties of at least {$25000.00} dollars. I did not receive any summons or notifications from the law firm nor did I receive any notice from my employer prior to garnishing my wages during a pandemic. My employer just took {$400.00} from my wages and sent it. There should have been a form in which gave me the chance to dispute the debt. I have tried to contact said law firm. My employer has tried as well. There has been no response nor any attempt to resolve the situation. And recently, keeping my own tabs on public court information, have I noticed that they have filed and received a extension from the county courts to continue harassing and circumventing proper etiquette pertaining to the case. Based on the dates of last payment cited, the debt has been " time-barred '' since XXXX. The law firm understands this and does not cooperate in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Webster Bank lost my tax escrow money and has not paid the XXXX  XXXX  for the Town of XXXX, CT. I am now delinquent on my XXXX XXXX  and am at risk of XXXX legal action. 

I have paid my taxes through an escrow account with Webster Bank. On XX/XX/2021, Webster Bank deducted {$11000.00} from my escrow account to pay my XXXX XXXX  due XX/XX/XXXX and delinquent XX/XX/XXXX. As of today, XX/XX/XXXX, the XXXX has not received payment from Webster and I am accruing interest and potential tax liens by the town. 

I have been calling Webster for weeks to try and get answers about where my missing money is. I am getting delinquency notices from the XXXX. Webster has no answers when I call, promising to call me back, and then never calls me back. Weeks have gone by and this issue is unresolved. Webster is giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I tried closing my account on XX/XX/21 and they told me they could NOT verify it was me all because I changed my phone number. The account email is XXXX my social ends in XXXX but obviously I know the whole thing and told the guy at XXXX XXXX and the number I changed it to was XXXX from XXXX which was the old number. Address is XXXX XXXX XXXX XXXX XXXX ma XXXX and there was an old addy of XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX. Please close this at once, this is ridiculous. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I get a financial assistance from Hospital what cover ALL other procedure I did, including wall radiology services. 
Because of the pandemic took a long time to receive a response from hospital about the financial assistance. When I received the letter from XXXX XXXX  XXXX I called them. At this time all services in United States was stopped and communicated with all companies was hard, especially because most of them are closed by government decisions. Wasnt my fault. The company didnt wait because they just wanted to danger my credit and sell the debit. They didnt have any respect for paciente, people sick, in a Pandemic that destroy many lifes. 
I already did a dispute what was removed from my credit in XXXX  and XXXX, but they dont remove from XXXX. I called them today and they told me they will put in collections again in XXXX and XXXX  again, what I think is at least imoral. I never had credit problems in my original country and here I dont understand why companies are so abuse.the company is GLA Colection COMPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helm Associates
State: PA

Complaint narrative:
FTC filed HELM ASSOCIATES debt is no obligation of my and was the result of identity theft. Stop falsely reporting this to XXXX. This account have already been removed from XXXX  and XXXX. This is a violation of my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I use XXXX XXXX. In spring XXXX, I noticed some fraudulent charges on my account. I contacted the company ( XX/XX/XXXX ) and they cancelled my card, refunded the charges XXXX on XX/XX/XXXX ) and then sent me a new credit card. This dropped my credit score by 50 points. As these charges were fraudulent and I did not get the option of opening another account ( ie. I had to do so ), I disagree with my credit dropping 50 points. 

These fraudulent charges were from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They were from online sites XXXX XXXX XXXX and XXXX XXXX. 

I would like my credit score to be as it was before these charges surfaced and I was forced to get a new card. I am hoping to refinance my XXXX student loans and need the best credit score possible. 

Thank you greatly! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
Hello, I bought a house in XX/XX/XXXX and borrowed {$390000.00} from Colorado Housing and Finance Authority with the first time Colorado program. I had been making payments on time until I was offered the COVID relief program in XXXX XXXX. I was able to miss 5 payments and was told that those monies would be placed on the back end of the loan. I began making payments in XX/XX/XXXX and have been making them since. 

I am now in the process of refinancing my loan with a new lender, in order to lower my payment, and remove the PMI from the loan. I received the payoff statement from CHFA two weeks ago, however, and the Total Amount to Pay Loan in Full is over {$420000.00} -- {$28000.00} more than what I originally borrowed. I believe I know what is happening, the computer is ticking every day since the day I missed a payment for COVID relief, but no one has told the computer to stop ticking once I started making payments again last fall. The computer thinks I haven't made a payment since XXXX or XXXX of XXXX and my payoff statement reflects that, despite the fact I did make payments. 

I have spoken to multiple agents at the lender in all the departments, so far I think I've spoken to 30 representatives between Customer Service, Payoffs, Collections, and Loan Mitigation, and many of them supervisors. So far only two customer service agents have been able to understand my dilemma, none of the supervisors are willing to help beyond transferring me back and forth to Loss Mitigation from Customer Service where I have to start over from scratch.My feeling is either a ) no one has the time or inclination to help or, b ) no one has the skills to help. They are almost all very nice people but what would take me a few hours to do when I worked at a mortgage company, they are going on over two weeks. The folks at Loss Mitigation say I owe them {$12000.00} as of XX/XX/XXXX, which sounds like the amount of payments I missed for the five months in XXXX. To me at this point, they are hoping I go away-desperate to get the new loan so they can not have to bother with the math. 

I desperately want to pay these folks what I owe them, mostly so I can get back to work, but I don't want to spend my child 's college fund on their mistake.

Company response to consumer: Closed with explanation