vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I have contacted ERC debt collector ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX ) multiple times disputing an item on my credit. 
XXXX XXXX XXXX has verified with me that they do not have record of me having any contracts with them other than a pre-paid phone, in which would not report to my credit. Even with that confirmation XXXX. I sent ERC an email to verify proof of identity towards the debt or have it removed due to fraud XXXX as well. XX/XX/XXXX was the last time i contacted ERC for an update but they are still waiting on XXXX XXXX XXXX. I am almost reaching a month of waiting for an answer about this fraud on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Payment of {$48.00} due XX/XX/XXXX XXXX XXXX Attempted to pay, while out of town assisting XXXX person whose spouse was in the hospital & had to stay until TuesdayXXXX XXXX XXXX XXXX, due to the hospitalized spouse 's delayed release. Called the Synchrony Bank number to attempt payment on the due date ( Monday, XX/XX/XXXX ), but system required bank routing & account numbers, which I did not have because I did not bring my checkbook on the trip. I called the payment in on Tuesday, XX/XX/XXXX around noon ( thus meaning it was approximately 18 hours late, at most. I called Synchrony Bank to request a waiver of the fee, and was told because I had already had a waiver within the last 12 months, the late fee could not be waived. I followed this up with a letter dated XX/XX/ to Synchrony Bank ( XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX ). My dispute is/ was not about paying a reasonable late fee, but the amount of {$41.00} ( which equates to slightly more than 85 %!!! of the {$48.00} monthly installment. In the letter, I cited the ludicrousness of the amount of the late fee in relation to the monthly installment, told them if they did not adjust the late fee to a reasonable amount ( 5 %, {$5.00}, or? ), I would never do business with Rooms to Go again, or any other retailer associated with Synchrony Bank, and if they did not satisfactorily adjust the late fee, I would file a complaint ( with CFPB ). I received a letter dated XXXX XXXX XXXX  ( from the bank 's Customer Service Department ) citing my account history & in the interest of good customer relations, that they were crediting my account for the {$41.00}. However, their XXXX UT based collection " arm, affiliate '' or whatever, has been calling me daily in the range of XXXX to XXXXXXXX XXXX I returned the call today and cited the 5-17 bank letter. The representative stated that because I didn't pay the {$89.00} total by XX/XX/XXXX ( I paid the regular {$48.00} ), that the {$41.00} amount remains, and is due by XX/XX/XXXX. Essentially, this makes ZERO sense, because their system is strictly geared to dates and algorithms, thus creating a self-perpetuating, and now erroneous late fee of {$41.00}. PLEASE RECOGNIZE AND / OR EXPLAIN THIS TO THE APPROPRIATE PARTY / DEPARTMENT ( S ) WITHIN SYNCHRONY BANK. I will be paying JUST the regular {$48.00} payment on or before XXXX XXXX XXXX and ensuing payments by the XXXX of each month.

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have certified mailed documents to the defendants. I have not received any response regarding how the defendants have verified the alleged accounts attached and therefore request that the defendants consider this you a final notice to their offices. defendants need to rectify the subterfuge and deleted all accounts, addresses, and Inaccurate accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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:
I kindly request that you update my credit report and remove the public record that is currently listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MN

Complaint narrative:
A local ( XXXX, Mn Branch ) Us Bank Branch banker ( XXXX ) called me to solicit opening up a CD around XX/XX/2023 under a promotion with a XXXX APY for 11 month term. She sent me the application link via email and i completed it while on the phone with her. When we got to rates I questioned why the rate I saw was XXXX APY side said oh thats the current promotion ; however, I am submitting a special pricing request that is done with a form to my [ regional/district? ] Manager they approve it and then you will see it on your account. I work at a bank, familiar with this process, it is not uncommon so I felt comfortable proceeding. She committed to emailing me when she got confirmation of the approval. I did not receive email, but waited. The first month interest got paid. Still no change in interest. I called XXXX at the number she provided and left message and my number she never responded. 2 weeks later again called back left message still no call back. XXXX or so weeks later I called the main Us Bank customer Service and asked to file complaint and they said someone would call me within XXXX Business days and no one did. I called again on XXXX XXXX ( 2 months after opening CD, still at XXXX APY ) and asked to file another complaint. They had no record of my first complaint because they do not have a complaint system and no notes were on my account. They again said someone would call me in XXXX business days and no one has contacted me. I attempted calling Branch, but it rolled over to the main customer service line. At this point Im upset 1 ) that the banker misled me to opening the product up at an APY that was not valid ( Sales practice misconduct ) 2 ) the fact that US bank does not have a way to properly catalogue, remediate, and disposition customer complaints. 3 ) the lack of follow up, run around and transparency provided to me from the financial institution 4 ) lack of timelines and number of times I have had to make contact and still have no answers

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I was charged {$99.00} on XX/XX/XXXX erroneously. On XXXX order # XXXX they sent me the wrong item, and the they issued return # XXXX indicating I did not need to return the item- but to donate it. I filed my first dispute on XX/XX/XXXX, with no resolution and Comenity kept charging me late fees. I refiled a second dispute on XX/XX/XXXX with no resolution and they reported my account late to the credit bureau for XXXX and XX/XX/XXXX. Out of exasperation, I paid the account in full to stop the damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashable LLC
State: AZ

Complaint narrative:
I took out a loan with kashable 15 months ago. I have been making payments since then. 

They have added excessive fees and it should be investigated as a scam for innocent people who are being preyed upon by this company. I was given a loan for XXXX and received XXXX. Now they are saying I owe them over XXXX. I have paid over XXXX to this company and now they say I owe them over XXXX more. 

Itemization of Amount Financed : {$9700.00} 1. Amount given to you directly : {$8700.00} 2. Plus Amount advanced for the origination fee ( Prepaid Finance Charge ) {$460.00} 3. Plus Payoff of Current Loan ID XXXX : {$1000.00} 4. Equals Principal Loan Amount {$10000.00} 5. Less Prepaid Finance Charge : {$9700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reached out to XXXX regarding my late payments twice told them the late payments they are reporting is reporting different numbers to all 3 credit bureaus one bureu show XXXX missed payments then at another bureau it is reporting XXXX I will like for issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: Kriya Capital, LLC
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX, IM HAVING A PROBLEM WITH XXXX XXXX XXXX, BACK IN XXXX THE LOAN I HAD WITH THEM WAS PAYED OFF WITH XXXX XXXXXXXX XXXX XXXX, XXXX SAID I OWE THEM XXXX AND THEY PUT THAT ON MY CREDIT REPORTS, XXXX, XXXX, AND XXXX. I CALLED THE CREDIT UNION AND THEY SAID IT WAS PAYED OFF TOO THE COMPLETLY. IM VERY UPSET ABOUT THIS, THIS HAS REALLY MESSED UP MY CREDIT. I WOULD LIKE THE TO BE REMOVED FROM MY CREDIT FILES RIGHT AWAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I write in response to a fraudulent American Express account that was opened using my name and social security number. I discovered this account on or about XX/XX/2023 when I went to lease a new vehicle. The dealership ran my credit report and informed me that an American Express card was adversely impacting my credit. I immediately called American Express to file a fraudulent application / account report. I was informed that I would receive correspondence confirming that the account was closed, canceled and removed from my credit report. I did not receive any such correspondence. When I called to follow up on the status of this matter, I was informed that my claim was denied and that I would be responsible for this account because a valid payment had been made on the account. I have never applied for nor had any American Express account. I do not know who made a payment on this account or that if the payment was valid or not. I am hereby demanding that American Express comply with its obligations under the FCRA and to remove this account from my credit report immediately otherwise I will no choice but to proceed with legal action. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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 am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported, as their inclusion violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the immediate removal of these accounts and information from my consumer report to rectify the violation of these legal statutes. Please take immediate action to remove these accounts and information promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: MS

Complaint narrative:
I want to dispute a medical bill of {$370.00} from XXXX XXXX XXXX office, XXXX XXXX XXXX XXXX in XXXX  XXXX, CO. 

I went to see XXXX XXXX on XX/XX/XXXX who just took over the practice at that time for dental cleaning and a minor dental issue : the gap between my teeth and the gum that did not cause any symptoms. I was told it was normal and he examined my teeth and recommended a crown for XXXX of my right lower molars because it might cause problems in the future and I agreed. I had XXXX XXXX XXXX at that time. I was ready to leave XXXX XXXX XXXX XXXX on XX/XX/XXXX for job relocation. I specifically emphasized my last day of work and the health insurance coverage several times with the front desk XXXX and was assured by her that the copay was {$500.00} and my insurance would cover the rest of the cost ( {$500.00} was paid by credit card on that day ). On XX/XX/XXXX, I received a call from XXXX stating that I owed money from their office. On XX/XX/XXXX I received a bill of {$370.00}. I called XXXX and she said that XXXX XXXX XXXX sent me a check of {$370.00}, which belonged to their office. I contacted XXXX and they told me that XXXX XXXX did not join their network until XX/XX/XXXX and that {$370.00} was billed by their office for out-of-network service. I checked my bank account and noticed that their office charged me {$780.00} instead of {$500.00} on that day for copay without notifying me. I had a few phone calls with XXXX. One time she said that she was not the one who took my payment on that day, then next time she said she was ( it was confirmed by her coworker and I know her voice. ) At the end, she denied again and when I asked to speak to the girl who charged me on XX/XX/XXXX, she said that the girl did not work there anymore. She told me that she would send me another bill and if I dont pay, she would send it to the debt collector. 

On XX/XX/XXXX, I received a letter from debt collector, Capital Accounts LLC. I emailed them on XX/XX/XXXX but they sent me another bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: OK

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I was contacted by ONLINE information services on XX/XX/XXXX  about debt for utility service for {$1900.00} by XXXX. 
I've never lived at the address provided by XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX though my name and SSN was used to create the XXXX account. 
I've contacted the XXXX this morning, and explained my situation and was referred to your website and they are going to open ticket to investigate this problem. 
I also have been told to make a police report for ID stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
On XXXX of XXXX  I requested funds in my account to be transferred at the time it was {$250.00} now its {$170.00} and Ive requested to close my account 5 times very scared amount will drop again Ive tried on several occasions contacting blockchain but got no answer I wish to have my account closed and money mailed in a check this Blockchain wallet is a joke.

Company response to consumer: Closed with explanation