vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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:
EXPERIAN has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means EXPERIAN didnt exercise there grave responsibility to my consumer report. EXPERIAN was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed EXPERIAN in writing to furnish this report and never consented to this report on my credit file by : Account info Account name XXXX XXXX XXXX I Also known as XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX as well as I XXXX XXXX XXXX : Account name I XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$210.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX XXXX {$210.00} XXXX updated XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 )  Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So EXPERIAN just assumed that EXPERIAN could report this and EXPERIAN never had my permission and stole my identity to report on my behalf.

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 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Conduent Incorporated
State: NJ

Complaint narrative:
I have an XXXX account with XXXX XXXX and for years the minimum balance to maintain the account without a monthly fee has been {$1000.00}. I have never paid a fee. I just turned XXXX and am in the process of winding down the account but have been using it to pay recent expenses since I can no longer contribute to the account. My plan was to withdraw the entire balance when it was just above {$1000.00}. However, in XXXX I noticed that a maintenance fee was charged to my account. When I inquired and asked that the fee be refunded, I was told that the fee is charged if the account balance is below {$5000.00}! I told XXXX XXXX that I was never notified of this change or I would have withdrawn the funds and closed the account before the maintenance fee was charged. I then withdrew the remaining funds in the account and demanded a refund and told XXXX XXXX to close the account. They have ignored me. I do not even know if the account has been closed. They are impossible to reach and never respond directly to the multiple messages that I send to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have notified the credit bureaus XXXX, Experian, XXXX, XXXX, XXXX, XXXX, and a few other companies about fraudulent errors being reported to my personal credit files. 

To start I have notified them about fraudulent addresses being reported in my personal credit file. I have submitted police reports for alimony 3 years now asking to remove these addresses and these companies especially Experian. Experian has been reporting fraudulent addresses, names, accounts, and inquiries monthly on my personal credit files. I have sent in notarize letters several times. Its even been upload several times on this portal. I have verified my identity with these companies several times by sending in updated documents of my passport, drivers licenses, social security card, bank statements, utilities bills, a letter from my lawyer that was notarized. My request have gone unanswered and ignored like I dont exist.

This is my very last attempt to request that this inaccurate information be removed from my credit files. Under the consumer law it is my right to sue any company that is reporting unlawful and inaccurate information to my personal credit files without my authorization and I DID NOT authorize Experian to report theses address, accounts, and inquiries on my credit profile. The addresses are attached to fraudulent accounts that Experian is reporting to my credit files. 

Experian have violated several of my rights as a consumer by selling my personal information to third parties collection agencies. I have did a full investigation of these accounts and they are in fact fraudulent and need to removed from my credit files immediately. 

The following addresses are fraudulent, I have attached a copy of my personal credit report as proof of the incorrect information that is being reported to my credit files. 

XXXX is also reporting a consumer statement that is incorrect. I have no ideal what number is that on the consumer statement. XXXX needs to update my consumer statement correct the information currently appearing on the consumer statement is incorrect.

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 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
These people are calling my friends and family. I have politely asked them to stop, because I talk to them whenever I am available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NY

Complaint narrative:
On XX/XX/23 I contacted Credit Karma for help to withdraw money from the savings account I have with them which is where I keep my emergency fund and transfer to my checking account. The current checking account attached to the credit karma save account is closed and I need to update and link the new checking account number from my financial institution XXXXXXXX XXXX. For some reason there is a glitch in their computer system because the link to change checking account numbers for withdrawals does not work. I tried multiple browsers, computer, tablet, iphone, android and nothing. I have been emailing their customer service for two weeks with no solutions. Lately they do not even respond to my messages. All they have to do is delete the old closed checking account linked to the savings so I can add the new one. I have no way of speaking to a live person on the phone or requesting a manager etc. I am now facing financial problems from this interest charges, unpaid bills I and am extremely stressed out. I JUST WANT MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I got a car through Westalake financial Institution back in XXXX I believe. The car broke down in XXXX, or XXXX. I was sued a few years ago by Westlake the amount was over XXXX that I owed. I hired an Attorney about 3- 4 years ago, for my case. As of XX/XX/XXXX I won my case. I have documentation as well. I am still seeing Westlake on my credit report. They also have it as a repoession. I called and got the run around. I finally spoke with someone that they reported my credit too. I am not sure of the name of the debit company, I do have a phone number to the company. He informed me that either Im going to get sued again, or they might try and sue. Even though I won my case against them. He had act as though I was in the wrong and I had no idea what I was talking about. I file a dispute with XXXX. They informed me that the amount Westlake Financial orginally put went down but, still shows as a reposession and on all 3 credit bureaus and report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: WI

Complaint narrative:
I have a problem with my credit report saying I'm {$360.00} past due when in fact I just paid {$480.00} to SST and am caught up with my past due account. I had reported a hardship to the company and it was ignored. My credit report is false and has taken my credit down XXXX points because of the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: NJ

Complaint narrative:
Im being harassed for a debt I do not owe. My identity was stolen and they drawing my unemployment and opened bank accounts and also was on the internet creating accounts. I have NEVER used XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Dear, recipient, I am writing to inform you that there is an error on my credit report regarding late payments that were incorrectly reported by Chase Bank. The late payments were reported during a forbearance period when I was not required to make payments. 


I have made several attempts to have Chase Bank correct this error with no success. I submitted requests for adjustment in XX/XX/XXXX and XX/XX/XXXX, but the issue has not been resolved. 


I am seeking your assistance in rectifying this error on my credit report. Please advise me on the appropriate steps to take to have this issue resolved as soon as possible. 


Thank you for your prompt attention to this matter. 


Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase Bank continues to do automatic deductions from my checking account without authorization or probable cause. On XX/XX/2023, I made a payment to Chase credit card for {$280.00}. On XX/XX/XXXX Chase Bank did an unauthorized auto deduct for {$150.00} stating that I had not made a payment that month which clearly I had. When I contacted Chase Bank, they acknowledge their error and said that they would refund me the {$150.00} plus the late fee of which to this date, neither has not been received or credited back to me. Then on XX/XX/2023. I made a payment to Chase Credit Card for {$270.00} for Chase credit card. Then another unauthorized automatic deduct to my checking account occurred on XXXX XX/XX/2023 by Chase Bank for {$140.00}. After calling Chase Bank they again acknowledge their error and refunded {$140.00} which I did receive, however the late fee attached was not received. At that point I also inquired as to the {$150.00} from the month previous, XX/XX/2023, that Chase Bank was supposed to have reimbursed to me weeks prior, and was told a supervisor would be in touch. Again, no one called or contacted me regarding the {$150.00} from XX/XX/2023 to this date. Now again for the third month in a row, today, XX/XX/2023, Chase Bank again hit my checking account for {$180.00} again stating payment not made and is also shown as an automatic deduction from my credit card which again I do not have any auto pay is set up and it was unauthorized. And Im assuming as the past two months that a late fee will also be attached to that as well I wan na know what gives them the right to continuously now dip into my checking account without authorization Or any auto payment set up to allow them to do so. And if not for me being diligent and doing my due diligence, they would be getting away with hundreds of dollars so far and I would like to know what recourse do I have been that now this is the second time that theyve caused me financial distress because now I can not make my car payment because the {$180.00} was taken out, and a claim has been made but yet no monies returned. So now Im going to be late on my car payment with a fee on top of that which will also hurt my credit because so far in the last two months that they have done this and have caused me financial distress. Theyve done nothing to contact the credit reporting agencies or to restore me to my previous status before they initiated their unauthorized illegal act. What recourse do I have and I want them find if its found in which it should be that they did these things intentionally in for three months in a row what is going to be done to restore my credit and Creditors that are not able to be paid on time?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I was robbed when I was working for XXXX XXXX! My Wallet was stolen and car keys! Someone opened two accounts in my name with out my knowledge and Im having a hard time getting them removed and deleted! Im trying to buy a house and its stopping me from getting the home at this time!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: World Acceptance Corporation
State: GA

Complaint narrative:
I was robbed when I was working for XXXX XXXX! My Wallet was stolen and car keys! Someone opened two accounts in my name with out my knowledge and Im having a hard time getting them removed and deleted! Im trying to buy a house and its stopping me from getting the home at this time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
after receiving the catherine 's credit card, I tried making a purchase, with the help of a customer service rep, discount codes weren't working, agent, then stated the orders had to be cancelled, and restarted, however, now that order appears to linger in my account, therefore, I have made several attempt to call customer service, to see if issue has been resolved, and for the entire months of XXXX and XXXX, I have only been getting the runaround, as to pending transactions. 
For instance today I call the number on the back of my credit card comenity bank, the automated service provides that I have my full XXXX available open to buy. So I proceed with an order online, after clicking on confirm checkout, there pops up a warning, that there's an issue and that my order can not be placed, contactact comenity bank to resolve the issue. Catherines customer service always referr me to comenity bank, because tyhey do not have access to the tools to fix the issue. Todays issue was the wesite doubled my order, but online only indicates the one, that I haven't even processed yet. 
I feel my catherines credit card needs to be closed and my information needs to be protected, from whatever is going here illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
They charge me 2 overdraft the same day and i am complain but they are not fix

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 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC.
State: IL

Complaint narrative:
I cancelled XXXX services. They claimed I had a contract with them and couldn't cancel until XXXX. When I asked for a copy of my signed contract, they sent me an XXXX contract without my signature. XXXX them claimed that it was a verbal contract. Since XXXX phone system states that calls are recorded, I asked them to send me a copy of the recording were I entered into a verbal contract. I never received this either. I moved into my in XXXX and XXXX was already installed. We never signed a contract, we continued to pay until XXXX when we realized we didn't use it and could save money by cancelling it. When I called to cancel, this is when they told me first that I had a written contract and when they couldn't produce that, that I had a verbal contract ( which again, they can't/have n't produced ). They sent to Virtuoso Collections. On XX/XX/XXXX, I sent a letter to Virtuoso disputing the charge and requesting a copy of written or verbal contract from XXXX. Not only did they not provide this, they continue to call multiple times per day even though their letter says they will stop calling once I disputed. In addition, when they call, I have asked them to only correspond with me in writing. I am requesting a copy of the alleged contract. I am following the rules and Virtuoso should also. I resent my XXXX letter to Virtuoso virtually on XXXX. If they can produce a valid contract that shows I entered into an agreement with XXXX, I will pay the amount due- {$200.00}. I have been asking XXXX and Virtuoso for this " contract '' for months verbally and in writing. Neither have produced anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
XX/XX/XXXX - In reference to my compliant ID number XXXX. ALLY Financial responded with to my compliant with the documents that I requested. I requested a payment history dating back to XX/XX/XXXX to XX/XX/XXXX. I am disputing two factors that are reporting inaccurately. Lets start with the Cares Act which is in effect for consumers.The CARES Act and Payments to Creditors and Lenders. Under the CARES Act, creditors must make accommodations for people having trouble making payments. This does not mean that you can stop making payments. It means that they must offer you some other type of payment arrangement. You must contact your creditor or lender to make any special arrangements. The arrangements they make with you will vary. In XXXX of XXXX I was offered a Extension Agreement by ALLY Financial. The extension was for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached the document for Extension Aggreement and highlighted and circled the date to coinside with the Payment History documents that I requested. The CARES ACT LAW clearly states.CARES Act and Credit Reports : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. As you can see this act applies to me according to the law. I was current before the law was established therefore The law requires creditors toreport any account that has a payment accommodation applied to it as current to the credit compaies as long as the account was current when the accommodation was made. As you check the payment history you will notice that I was current with my payments before request help do to Covid 19. My second dispute is the inaccurate reporting of the late payments. As you check my credit reports you will noticed the reporting date do not match the Ally payment history date and amount of days late. The XXXX report is saying 60 and 90 days late and the Ally financial is reporting 30 and 60 days late. The Fair credit reporting act clearly states that a consumers credit report MUST be reported ACCURATELY. Documents attached as proof that Ally is report false information to my credit reports sence XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I noticed a XXXX XXXX XXXX  registered under my name as I was paying for my license online. I immediately cancelled the registration. I immediately filed a police report for identity theft and contacted XXXX in XXXX. I also recently located the vehicle at a family members house and made a stolen vehicle report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: MA

Complaint narrative:
I noticed a XXXX XXXX XXXX registered under my name as I was paying for my license online. I immediately cancelled the registration. I immediately filed a police report for identity theft and contacted Experian in XXXX. I also recently located the vehicle at a family members house and made a stolen vehicle report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation