vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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:
under the fair credit reporting act i have proof that accounts below has been reporting incorrect information on my behalf. these accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2022-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA
State: WI

Complaint narrative:
Towards the end of XXXX/beginning of XXXX, I was alerted of my XXXX  score taking a drastic hit through an XXXX alert. After investigation, it turns out American Education Services ( XXXX XXXX XXXX XXXX XXXX XXXX was failing to draft my autopay payments from the checking accounts setup. I continued to see emails regarding posted payments all the way through XXXX, and was never notified through mail ( I have paperless billing enabled ) or phone call ( the company has had my current phone number on file for some time ) that there was a problem with the autopay failing. The XXXX XXXX I was using had been experiencing a number of issues with their online banking system, and I ended up going away from them entirely due to issues linking accounts online, getting payments, etc. 

I called AES to determine what the best course of action was, and they were of surprisingly little assistance : I was treated as though I could not make my payments when I had a flawless payment history along with zero records on my credit report of missed/delinquent payments. When I inquired as to why I was never notified of the issue regarding failed payments, I was given a runaround answer and simply asked if I was able to currently make payments. I immediately brought the account current and asked them how to dispute a " late '' payment ( that I was never notified of missing ) being submitted to the credit bureaus. I was instructed to fill out a form and send it in via priority mail to the address provided, but I have received no answer in roughly XXXX weeks now. 

I would like to dispute the singular error of my student loan payments failing ( which have historically never been missed on any of my accounts ) and dispute the predatory practices of reporting failed payments to the credit bureaus without any notification to the borrower via phone call, email, etc., when AES has all of my current information on file. This is clearly a mistake via an automated payment system and not my fault. Furthermore, the constant postponing of federal student loan repayment by the federal government has made tracking which loans are due and which loans are on a forced pause extremely difficult to monitor for the borrower. I would like to have this incident forgiven under the pretense that AES will properly contact me in the future regarding issues with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is in response to Transunion 's response ( XXXX ) to my complaint. Transunion has had more than 30 days to conduct an investigation and they have failed to do so. At this point, they are violating the FCRA by not investigating within a timely manner.

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 2022-06-22 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: PA

Complaint narrative:
I looked on my credit report and saw there's a bankruptcy being reported without my consent. I have a right to privacy. This unauthorized reporting has caused me financial damage and great stress! I was recently denied approval of a HELOC due to this intrusive reporting! 

XXXX  XXXX Bankruptcy Case Number : XXXX Experian is also in violation of 15 USC 1681 ( a ) ( 4 ). A consumer reporting agency can not furnish any information on my consumer report without my written instruction. I am fully aware that the courts do not report to any consumer reporting agency.

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 2022-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
After falling behind with my Torrid - Comenity Bank, XXXX, XXXX XXXX, XXXX and XXXX  payments I made several arrangments to become current with my accounts. I scheduled a payment plan of {$100.00} monthly starting XXXX XXXX XXXX XXXX XXXX for Torrid, {$72.00} for Comenity Bank, {$100.00} Comenity Bank and {$110.00} on XX/XX/2022. Unforeseen circumstances prevented me from fulfilling my obligations. My discrepancy is the aforementioned attempted to collect the fees twice instead of the one time agree resulting in me spending hundreds of dollars in fees of charges I didnt authorize twice, only once but as you can see Ive been charged double on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I contact Equifax today to ask why a new inquire from XXXX appeared on my credit report when there is supposed to be a freeze to stop anyone from accessing my report. Someone tried to get credit. After asking to have the item removed because of fraud and to have a special word/code to protect against accessing my report by anyone, I got the run around. I asked Equifax to transfer me over to the Fraud department but twice the call was ironically disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: FL

Complaint narrative:
An 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2022-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHS, Inc.
State: VA

Complaint narrative:
When SCA Credit first contacted me, about a bill with XXXX XXXX, I had informed them that I'm only able to pay {$25.00} a month, because already I'm paying on another bill from XXXX XXXX. The man I had spoken with, told me that paying {$25.00} would be harmful for my credit, and in order for the harm on my credit, I would have to pay at least {$50.00} a month. I repeatedly told I'm only able to pay {$25.00}, and kept pressuring me to pay the {$50.00} a month. I asked him why couldn't that bill be added/connected so that I could have only one bill to pay, instead of paying multiple places, for one biller. He told me no, that would be illegal, because it's double billing. I'm paying for a bill directly to XXXX XXXX, from a past XXXX. The bill that SCA Credit hold possession of, consist of two separate bills, to the same company. He finally eased up, and put in my monthly of {$25.00}. In XXXX, I had missed a payment, but in around XX/XX/XXXX, I was able to catch up, and pay for XXXX and XXXX, of $ XXXXThis past Thursday, XX/XX/2022 I received a phone call from SCA Credit Services , saying that I was one payment behind, and the lady was pressuring me to pay both this month 's bill and the one I already payed. I told her that one was being sent to the company. She kept pushing, and pushing, asking how I would like to pay. I told her that I couldn't pay, because I have other bills to pay. She made feel, as though I intentionally, and recklessly had the bill created, and have it marked, about me not paying more then {$25.00}, and it'll go against my credit. Today, ( XX/XX/2022 ) I received a letter, stating that " they've done all they could do, and to keep from further collection of the original debt, I would have to pay the full amount of {$670.00}. '' Seems as though they are suggesting that legal action is in the cards, even though I've been paying, and did pay {$50.00} around XX/XX/2022. With the attached files, you will see the last month 's bill, showing what I'm paying, my bank statement showing that I've been paying, and the letter they had sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an 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 2022-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello - We currently show 2 Liens on our Property.

1 for - {$81000.00} 1 for - {$1700.00} HUD will not send us 2 separate Pay-Off Statement Letters.

We have made several attempts to request 2 separate letters be sent to us so that we can pay at least the {$1700.00} to get the Lien Removed and showed as Paid asap.

If it shows as 2 separate Liens, we should have them available as 2 separate letters.

Please assistant us with retrieving the 2 separate letters, as soon as you can. 

Thank you in advance for your prompt attention to our request.

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 2022-06-22 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:
I believe Im a victim of of identity theft I noticed theres an fraudulent close auto accident from XXXX XXXX XXXX ( XXXX ) opened XX/XX/XXXX for the sum of {$11000.00} thats in collections that I did not open, along with 9 inquiries listed on my credit report that I did not authorized. My personal information was leaked in the XXXX Equifax data breach. In accordance with the Fair Credit Reporting Act my rights have been violated. 
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 an account without my written conse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXXR Account Number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all have 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 an 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 explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: CT

Complaint narrative:
I got a call today from American Financial Network from the phone number of XXXX at XXXX PM. The call lasted XXXX  minutes and XXXX  seconds and the person who I spoke to was named XXXX XXXX who has an employer ID of XXXX. She agreed to allow me to record the phone call conversation I asked why American Financial Network is now calling me and asking for information, while 2 weeks ago they told me to speak to XXXX and how i have continually received different information from each of the businesses and the many issues that I had with the company. 

I was told that my loan modification request was under review whereas during last call about a week ago with XXXX  I was told that I could not apply for a loan modification or the Covid relief plan. It is recorded and this conversation today is another contradictory statement totally at odds with previous conversation just a week ago. This is absolutely confusing as I am told different things and different statements about my loan modification application status. I need help here as I constantly get contradictory information during every one of my nearly XXXX calls and followups with XXXX and American Financial Network.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: NC

Complaint narrative:
I received and accepted an offer by email on XX/XX/2021 in regards to my American Express XXXX XXXX  card, which stated terms of additional cash back totaling 5 percent back on all purchases ( 4 percent in addition to the standard 1 percent ) on up to XXXX in purchases until XX/XX/2021. I, therefore, made an effort to make purchases on that card specifically, due to the rewarding nature of this offer relative to my other credit cards. I succeeded in maximizing the XXXX spend, which was supposed to earn me {$500.00} in reward value. When I didn't get any bonus, I reached out in XXXX of this year to inquire, only to be told to wait 8-12 weeks. I reached out again in XXXX, and ultimately was told by representatives of American express that such an offer never existed, despite my having received an email stating that clearly. After a number of back and forth discussions I've essentially been ignored for months despite having sent the proof to the company, whose representatives have not responded, except after hours of trying to get in contact with them, tell me to wait another 2 months every time I reach out. I maintain that not only has American Express withheld the reward owed to me, but they did not even make a good faith effort to look into or rectify the situation. I have attached a download of the email which I refer to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX - XXXXXXXX XXXX XXXXXXXX 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. 



In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-22 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: CA

Complaint narrative:
Hard inquiries by these following companies I will list underneath broke the law according to the FCRA [ Farir Credit Reporting Act ] " NOTHING CAN BE FURNISHED ON YOUR CREDIT REPORT WITHOUT YOUR CONSENT IN WRIGHTING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Second mortgage transferred from XXXX XXXX XXXXXXXX to Carrington Mortgage on XX/XX/XXXX of XXXX. I was under a loan modification in both mortgages 1st and 2nd. 
XXXX XXXX holds m

y 1st mortgage till today. 2nd mortgage never contact me to fin
ish the loan application. From XXXX till XXXX I couldnt find any information about my loan, until XXXX XXXX XXXX. Left a note on my front door. 
I reached out to them and found 2nd mortgage was transferred from Carrington mortgage on XX/XX/XXXX of XXXX. They only contact me on XXXX. 
House is in foreclosure and I tear of {$56000.00} fees are applied and the total amount is {$130000.00} Still trying to reach out XXXX By fax, email, mail letter and dont get a response. They have no records of any loan under my name property address or SSN. 
. 
What should I do? My attorney is not doing anything it looks like. Hearing was XX/XX/XXXX and I am waiting on some of the fees to be removed but Speciali loan service are not willing to do that or negotiate or application for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been harassed, violated, lied to and a victim of fraud by American Express. I have tried and tried to get this matter handled and they have done nothing but deceive me. On or around XX/XX/XXXX, I sent American Express a third communication attempt via XXXX registered mail asking them to via debt on three business accounts which they were threatening to report on my consumer credit file. Not only did they not validate either of the three accounts still to this day. They sent me email correspondence saying that they wouldn't report the accounts to personal consumer report, and they would cease and desist with any further collection activity and communication. They lied. Today is now XX/XX/XXXX, and they have now been reporting these accounts to my consumer report for months damaging my consumer credit report and reputation. In doing this they have cased personal damage to me and have committed fraud against me along with countless other violations. Violating me as a consumer, an original creditor, and man of live flesh and blood. I have also sent them several other letters in connection with these accounts and have completed an administrative process. All correspondence has been sent to then XXXX registered mail with return receipt, showing they have received it. In commerce silence is agreeance and they are in dishonor. This is my last chance to get this rectify this issue before moving forward with a lawsuit. I am attaching several different communications between myself and American Express. ( All communication not provided ) Herer are some of the violations listed below. 
15 USC 78 ff 15 USC 1611 15 USC 1692 15 USC 1692 ( c ) 15 USC 1692 ( e ) 15 USC 1692 ( g ) 15 USC 1692 ( k ) 18 USC 242 18 USC 1001 18 USC 1002 18 USC 242 42 USC 1983 42 USC 1985 ( 1 ) 42 USC 1985 ( 2 ) 42 USC 1985 ( 3 ) 42 USC 1986

Company response to consumer: Closed with explanation