vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts listed below. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$93.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$290.00}

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 2022-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts listed below. Ive already included this in my previous Complaint and I am including it again. XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$93.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}

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 2022-07-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Trouble with escrow and getting accurate payments since XX/XX/XXXX. On that day, spoke with XXXX over a {$120.00} escrow shortage. Put check # XXXX in mail same day for {$150.00} to cover shortage plus! Instructed to pay {$890.00} as new payment confirmed by XXXX on XX/XX/XXXX. Mr. Cooper kept sending statements wanting {$900.00}.????? 
In the bottom of XXXX statement see where they were late and MISAPPLIED the {$150.00} on XXXX WHY? Had to call again on XX/XX/XXXX spoke with XXXX who also elevated this call to XXXX They confirmed my payment to be {$890.00} as XXXX stated on XX/XX/XXXX. 
BUT my statements from Mr. Cooper in the upper right corner wanted {$890.00} but in a pie diagram on the left stated $ XXXX made no sense. This is when Mr. Cooper started tacking on {$2.00} overpayment fee. ABSOLUTE XXXX!!! I can only pay what is clear and confirmed to me NEEDS to be paid!!! Talked to XXXX on XX/XX/XXXX he stated again to pay {$890.00} because again this statement has XXXX different amounts on it plus these {$2.00} fees again but emphasized now I had another escrow shortage of {$30.00}. So I sent check # XXXX for {$950.00} for mortgage payment plus escrow. These fees were supposed to be cleared out! Then my XX/XX/XXXX statement shows up I immediately asked to elevate the issue- same XXXX  with XXXX different amounts and another {$2.00} overdue payment fee. 
Talked to XXXX now on XX/XX/XXXX she wanted another {$140.00} in escrow money and she would also correct ALL these {$2.00} fees collected for their errors. Did an e-check with her only to get another XXXX statement on XX/XX/XXXX. Called XXXX XXXX twice on XX/XX/XXXX, once on XX/XX/XXXX and again on XXXX XXXX NOTHING!!! 
I e-mailed XXXX XXXX, XXXX & XXXX of Nationstar on XX/XX/XXXX at XXXX. 
Then XXXX wants to call me, I told her I sent the e-mail and didn't want to talk to her. So she has another lady called me and my response was the same to her. 
XXXX XXXX HAS NOT responded or even acknowledged my e-mail. How am I expected to maintain a mortgage with service like this? I pay what they tell me and they tack on fees. I am ready to move my mortgage if XXXX XXXX can't/wo n't take responsibility for this mess and file suit against Nationstar/Mr. Cooper if I end up with a higher mortgage than I had. This needs to get fixed and credit for all the fees and just STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I called Equifax because my Credit Score will not display on any of my Credit Reports. I am contacting your agency because this issue was suppose to be resolved in 72 hours but I still don't have a Credit Score from Equifax. Please can you rectify this important issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Due to a family death and the XXXX pandemic, I have been affected financially. I fell behind on payments for all three of my accounts. 
In XXXX, I contacted Amex via telephone and I also chatted online with Amex on several occasion, the last being a live chat requesting information regarding your Financial Relief Program. Unfortunately, according to your representative, I did not qualify for your program. I was never over 90 days late on either of my accounts. Two of my accounts have now been canceled. I went online in XXXX, XXXX, XXXX, and XX/XX/2020 to pay as much as I could. All but one account allowed me to make payments. My American Express Business did not allow to make a payment. I called American Express in XXXX and was told this account no longer belonged to American Express. My Amex Business account was sent/sold off to a collection agency. I tried on several occasion to make payments online with no avail due to the portal veered me to a different Amex program. I have been sued by American Express and I am currently on a payment plan with a law firm. However, American Express still allows me to sign in to my accounts online and make payments. 
For three months, I was not able to call or chat with anyone at American Express. When I was finally able, I tried to get back on track. However, not one American Express representative showed compassion or was willing to help me. The last word I received from one of your representatives on XX/XX/2020, was your green card is 72 days past due and this card will be cancelled as well. 
This has affected my credit score, not allowing me to qualify for any assistance. 
I have disputed this matter with American Express. This has violated the Texas Consumer Law, the Texas Deceptive Trade Practices Laws, The Fair Debt Collection Practice Act, and especially your American Express Mission ethics and slogan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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:
FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$710.00} Status Collection account. {$710.00} written off. {$710.00} past due as of XX/XX/XXXX. 
AD XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. {$9.00} FCRA violations : inquires not mine XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX & XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$24000.00} Status Open.

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 2022-07-11 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:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX account. {$710.00} written off. {$710.00} past due as of XX/XX/XXXX. 
AD XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$990.00} XXXX XXXX account. {$9.00} FCRA violations : inquires not mine XXXX  XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX & XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: VA

Complaint narrative:
On XX/XX/2022, opened new checking and savings account in response to {$300.00} bonus offer for {$5000.00} direct deposits. Having met the direct deposit condition on XX/XX/2022 and waited the required payout time, contacted company on XX/XX/2022, and was informed I did not qualify since I had a previous bonus for a Sofi XXXX account. However, I presented the screenshot of the terms at the time of account opening which did not preclude this during a chat session. Agent informs me the terms had not changed but I provided evidence that the terms were changed when the company extended the bonus offer on XX/XX/2022. Because my account was opened under the attached terms, my eligibility remains valid and I ask CFPB to enforce the {$300.00} bonus payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I havent got any emails regarding my account status, but apparently the account is past due. They called my cell phone back to back, five times in a row.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 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: AZ

Complaint narrative:
I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. 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 2022-07-11 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: AZ

Complaint narrative:
I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX , EXPERIAN , AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. 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 explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was scheduled for XXXX in XXXX of 2022 and it was cancelled by the doctor. I contacted about a refund i was advised that's not policy. The services were never received and the situation was out of my control. I filed a dispute XX/XX/2022. There were XXXX seperate charges so I filed both. A week and a half after filing they contacted me and informed me they refunded the money considering the circumstances and they won't contest the dispute. However every time I call and check the status I'm told thier still researching. How and the merchant has stated the refund has been issued. This has happened to me before and I don't understand. I'm currently on XXXX from XXXX and with inflation and a pandemic I don't understand how a bank can do this to its customers. I'm a XXXX  XXXX  and I'm missing {$1000.00}. I can't get it from the merchant because on their end it's refunded however the bank doesn't seem fit to release me my money. Why?

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 2022-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
The problem began with an apartment company XXXX XXXX XXXX XXXX - owned by XXXX ) that refused to provide proof of charges to me after move out. They submitted the account to collections without any warning and without responding to my communication requesting proof and explanation of charges. The collections company- Columbia Debt Recovery- has continued to perpetuate the issue. I have made partial payment on my account with the amounts that, despite the fact I believe they're invalid, are at the very least " correct '' But I have submitted additional documentation, now more than once, detailing why the additional amount owed is not correct and requesting more detailed account statement to prove the contrary if they believe it is accurate. I have not received any communication from Columbia Debt Recovery in response to the copious amounts of documentation I have submitted to them. I have tried contacting them by mail, email, & phone. On the phone, they are rude, abusive, and completely dismissive of my questions. The documentation I am attaching to this complaint is just some of what I have sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I did not receive any notice if this Debt Collection. I contacted the debt collector about this debt, The advised me to Pay half to remove off of my credit report. I then could not help but notice i have never received any information regarding this Debt in the mail or via Email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Upon reviewing my updates, there are Addresses seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The following Addresses were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 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: NV

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2022-07-11 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: IL

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXXdays 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation