vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: SC

Complaint narrative:
I have received a Debt Collection on my Credit Report for a collections on a past-due bill that I was never notified of. I went to National Credit Systems with the collections amount reported on my credit files along with my Social Security Number and no debt with those details are listed in their own system. I was never notified of a past-due bill from my former landlord, nor was I provided with notice from NCS that the past-due bill was sent to them for collections. When I went to NCS to pay the reported debt, their own systems are not even able to locate the account based on the details listed in my credit report under Collections. I submitted a Dispute with XXXX, XXXX, and XXXX. XXXX found in my favor, XXXX found in favor of NCS, and XXXX is still reviewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: CA

Complaint narrative:
The Experian and XXXX accounts under my SSN had been used by someone else. 
On attempting to fix them to my name and personal info, it took a month and half to fix my XXXX. It's been two months now, and my Experian STILL hasn't been fixed even after faxing and mailing my documents 4 times now. 

I even found out from my XXXX report that the person who commit fraud has opened 10+ credit cards and a few loans under my SSN. I need to fix this ASAP.

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 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was contacted by a representative of XXXX XXXX XXXX to collect a credit card debt. The telephone number is XXXX. I spoke with XXXX at extension XXXX. He informed me that I owed {$7900.00} for a credit card from MBNA Bank. According to XXXX, I opened the credit card in XXXX and had not made a payment since XXXX. He had my social security number, mailing address, telephone number, employment information, my current husband 's name, and my name at the time the account was opened. XXXX told me that my wages would be garnished for 25 % to 32 %. He also stated that my husband 's wages would be garnished by the same amount even though the debt is only in my name. XXXX stated that they would also place a lien against my vehicle. He said that I could pay {$3000.00} to settle the debt or pay {$1500.00} and then make monthly payments to pay the rest of the {$7900.00}. I requested proof of the debt. The letter sent via email did not provide any more information than he had given me. XXXX told me that it would take 10 days to get anything from the credit bureau to prove my debt, and by then they would already be garnishing our wages and putting a lien on my vehicle. I called back a second time because I did not receive the email and I wanted the exact name of the business. The person who answered the phone insisted that I talk with XXXX even after I said that I believed this was a scam. In addition, a XXXX XXXX from XXXX XXXX called my employer after hours stating he was trying to deliver legal documents to me. I was given the same number to contact him. I searched the XXXX XXXX XXXX and XXXX. The company with the given address does not exist. The only XXXX XXXX I found was an attorney in North Carolina.

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 2022-03-23 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I recently received a copy of my credit report and noticed that XXXX has been reporting my account 30 days late TWICEin XXXX for XXXX & XXXX. I dont ever recall being late on my XXXX account. I have tried to resolve this issue but no avail. I have tried to pull up my statements via their customer portal however it only shows you 13 months of statements. I have requested proof of this account being late and have not received the proper verification. As you can see the damage this is causing and continuing to cause by causing further damage to my credit worthiness. XXXX has reported this false information against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
M & T bank had an opened checking account in my name on XX/XX/2022.

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 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I have been contacted by IC Systems for XXXX XXXX over an old phone bill that was originally {$810.00}. They kept bugging me in spite of the fact that I told them I can not work due to an injury and so in XX/XX/2022, I agreed to pay {$5.00} per month until my sister could help me pay it off. They sent an agreement to me in the form of a PDF file locked with a password to my email agreeing that, " an I.C. System employee, who documented your offer to settle the balance of {$810.00} owed to XXXX XXXX for the reduced amount of {$120.00}. '' I have paid the $ XXXX each month on time via auto pay from my bank. My sister called today to settle up the remainder of the bill and they decided to argue that I now owe the entire {$810.00} again. This is ridiculous and obviously an attempt to go back on the agreed amount, which I have documented proof of in the PDF file. Today is XX/XX/2022 and I would like this matter to be settled at the agreed amount of {$120.00} as my document states, and for this company to stop trying to swindle me out of more money. Thank you for your time. I will attach the PDF, but you can not open it without the password, which I will be happy to give in private.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My interest rate on the credit card went up to XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a XXXX XXXX XXXX XXXX XXXX with Bank of America. I have held this card for almost XXXX years and never had a late payment. 

My statement balance on my XXXX statement ( XX/XX/22 ) was {$91.00}. 

On XX/XX/22 I redeemed my Cash Rewards balance for a statement credit of {$93.00} -- which I assumed would be applied to my earliest purchases and cover the full amount of {$91.00} which was due. 

XXXX XX/XX/22 I was assessed a {$25.00} late fee for payment due. 

I contacted BoA customer service on XXXX and was told that due to the fine print of the user agreement I was required to make a payment -- even though the amount of the cash rewards that appear a payment/credit was greater than the amount due. The fee could not be waived because terms were applied correctly. I visited my local BoA branch on XXXX, and they understood the issue, but did not have the ability to waive the fee.

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 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My employer changed payroll system at the end of XXXX and cancelled all direct deposits and issued late checks. 

Bank of America charged XXXX XXXX  monthly maintenance fee twice on XX/XX/2022 and XX/XX/2022 even I have brought up my balance higher than {$1500.00} as minimum balance for not being charged. 

I asked for courtesy refund of at least one of the two fees via customer service phone and only received A BIG NOOOOOO as an answer and barely even want to work with me. 

My other family members bank with XXXX ( Your competitor ) and had received 3 multiple courtesy refunds in one year for bank fees w/o even having to explain. 

I feel that Bank of America does not want to retain customer and is very EAGER to charge bank fees from customers. 

All I ask is for {$12.00} back ( it would be nice if you could refund both {$12.00} X 2 ) but all I am asking is {$12.00}. 

I feel sorry that for {$12.00} of bank fees, I will have to taint Bofa 's nae on CFPB website to be publish this description on consumerfinance.gov website.

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 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I was sent an email from XXXX telling me that my score decreased. When I logged in, I saw a company by the name of FRANKLIN SERVICE , INC. Not only did they illegally and unlawfully report on my consumer report, the representative I called and spoke to on today ( XX/XX/2022 ) was VERY rude. The rude representative told me they purchased this alleged debt from XXXX XXXX XXXX. This is causing me XXXX because of the XXXX. My credit dropped and I can not stop thinking about all of the damages this is causing me and my XXXX kids. They never had my written or oral consent to have my personal information. They are breaking federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: MISSION FINANCIAL SERVICES CORPORATION
State: CA

Complaint narrative:
There is a company called MISSION FINANCIAL SVCS personal loan company who run my credit without my permission and did hard inquiry on my credit. I realize this few days back when I was applying to buy a new car. I need to sue that company for without matching someones ID and simply run the credit by just getting SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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:
Complaint On XX/XX/2022 sent out letter to Experian via USPS Certified Mail # XXXX # XXXX My purpose of contacting Experian was to properly address their violation of 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consume to any consumer reporting agency- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, XXXX, inaccurate by reporting this transaction or experience ( charged off ) on my consumer report I have all document attached that are needed for verification along with my ID and proof of address. The response of the company was not acceptable by any means as it was clear to be a stall to disregard my concerns and demands Resolution A proper resolution would be to remove the charge offs from my consumer report I would like to enforce my rights of 15 U.S Code 1881s-2 and opt out of the reporting of this account to any third party 15 U.S Code 6802- Obligations with respect to disclosures of personal information ( b ) OPT out These are demands and I would hope that this is handled with good faith without any adverse actions to my account as we move forward in accordance to the law

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 2022-03-23 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: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
Ive been a victim to identity theft. My drivers license social phone number all apart of a data breach therefore things are appearing on my credit report that isnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Transfer of funds via online ( transfer of personal funds with verified personal accounts ) not executed for a very large amount Sequence of events : 1. I had money in 2 accounts in HSBC as of XX/XX/XXXX : 2. I transferred the money from both the accounts to my own trusted account XXXX on XX/XX/XXXX after talking on the phone with an HSBC associate that helped me. 
( Attaching the electronic transaction confirming the disputed request ) 3. I called XXXX, and they assured me that both the money was transferred it was reflected on my statement as of XX/XX/XXXX XXXX. On XX/XX/XXXX I called HSBC again. The associate assured me the money was transferred and helped me close the account. 
5. On XX/XX/XXXX I was told by XXXX that HSBC recalled the money due to insufficient funds 6. I have been calling XXXX every day to find out where my money is starting from XX/XX/XXXX. They assured me that they will look into it. 
7. I again called HSBC on XX/XX/XXXX, and was told it will take 3 to 5 business days to get my money back. 
8. I again called HSBC on XX/XX/XXXX and was told that the money will be overnighted to me. 
9. I again called HSBC on XX/XX/XXXX asking my call to be transferred to a manager. The escalation XXXX, XXXX, spent XXXX hours updating on the situation. He informed me that back office is closed at XXXX EST, and he will call back the next day at XXXX pm EST personally. 
10. I did not get any call back from XXXX, so I called again on XX/XX/XXXX at XXXX EST and talked to XXXX XXXX Escalation Manager, ID # XXXX and spent more than an hour. She called Exemption team who informed her XXXX team has the money. XXXX, Manager of XXXX team, has access to the holdover account, which the fund will be drawn from to refund to me. I escalated the issue to XXXX manager, XXXX, a Team Manger to call me with an update. I never received a call back. 

Currently I do not have my money, and am not sure when or if at all I will get it. 
Please treat this as an urgent request from a customer trying to get her savings of 10 years back from HSBC. 

I can provide other details on request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
As of XX/XX/XXXX, I received a letter for someone named " XXXX XXXX XXXX '' from XXXX at my old address concerning a reference to a bill for service and the demand to return XXXX equipment. Seeing as my name is not " XXXX XXXX XXXX '' and I've never had XXXX, this was a rather big problem. Also, the fact that they mentioned an email with no connection to me tipped me off as well. I ignored it and continued with my life as usual, believing it to be spam. This was a mistake. 
On XX/XX/XXXX, I received another letter ( also for XXXX XXXX XXXX ) from XXXX XXXXXXXX XXXX on behalf of XXXX XXXX concerning a balance of {$780.00} that I was expected I pay. I called them at the number provided and filed a fraudulence claim and was told they would rectify it. 
I heard nothing for two years and assumed it had been resolved. 
On XX/XX/XXXX, I received another letter ( for XXXX XXXX ) concerning the supposed debt to XXXX via a different debt collection service called ERC. ( see attached ) Please help me conclude this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX i made this clear for XXXX days straight with transunion 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX 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 XXXX now im XXXX XXXX cant provide to my XXXX year old 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 explanation
Consumer complaint received 2022-03-23 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 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 XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 XXXX i made this clear for XXXX 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 XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX 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 XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation