vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX account thru Commenity Bank was opened in XX/XX/XXXX with initial balance upon opening account. XX/XX/XXXX balance was paid in full. There was no further activity on the account until XXXX in which balance was also paid in full the same month. XX/XX/XXXX I receive a notice via telephone that {$140.00} is due or account will be handed over to collections. XXXX was immediately paid in full. XXXX XXXX I receive notice of XXXX, XXXX, and XXXX  day late payments that occurred in XXXX, XXXX, XXXX. I immediately contact company and was advised I was billed in error on XX/XX/XXXX and XX/XX/XXXX. Charges paid were then credited back to me. Commenity bank still refuses to remove late payment reporting from credit report therefore affecting ability to obtain home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Hello there, XXXX I went to the bank to deposit my paycheck. I am not on direct deposit currently, so in order to receive direct access to my paycheck, I have to manually cash it and deposit it into the ATM. I cashed XXXX checks for a total of {$2100.00}. I went outside and deposited the money into the ATM. The machine was having difficulty in terms of time, it rejected several XXXX dollar bills, I redeposited them again and the sum came up to {$1300.00}. Seeing this as an obvious error, I asked for the cash to be returned and it returned {$1300.00}. This was {$800.00} dollars short of the deposit that was XXXX percent {$2100.00} straight from the bank teller. I immediately called customer service and it was a very robotic and scripted response. With that big of an error, I went inside and asked the bank to shut it down and call for a count. They refused to do so and the response was that they were going to research the incident and that I would not be guaranteed my money back. This is illegal and frustrating and I need help. 

The Incident occurred between XXXX and XXXX pm on XX/XX/2023 at the ATM at the Bank Of America at XXXX XXXX XXXX in XXXX, TN, XXXX. I have called relentlessly because that money is too much to let go and puts me in a compromising position financially. They had a large lack of empathy in dealing with the issue and i need some help with this situation. I have already had to alter weekend plans because of this error. Thank you very much in advance for any help and consideration for this matter. 

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 monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
I would like to know the names of the actual people who benefit from this mortgage. I don't want the trustee. I don't want the trustor. I want the name of the person who OWNS the money I borrowed -- the BENEFICIARY!!! There is a track record of it somewhere. I have reason to believe that the loan has been paid off due to the lender applying for MORTGAGE RECOVERY during a default back in 2013, & that they were paid off IN FULL but are still threatening I owe the money after it was modified. I would like to know the name of this BENEFICIARY who provided the funds to me, NOT THE TRUSTEE or TRUSTOR. By not offering this information upon request is a violation of Mortgage Regulations & laws according to the SEC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC
State: NV

Complaint narrative:
I was in process of purchasing a house through United Wholesale Mortgage. The loan was funded however seller didn't sign the documentation and the transaction cancelled. I never took the commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
For YEARS i have been disputing with the department of Education about the erroneous information they continue to report to Credit Reporting Agencies, and for YEARS this company has refused to fix the problem. In XXXX of 2019, the accounts are reported as being paid on time, however, in XXXX of 2019, the accounts are reported as 90 days late! This same thing happens again at the end of the year. In XXXX the account is reported as paid on time, however in XXXX is reported as 90 Days past due. It is impossible to be on time one month and then 90 days past due the next month. XXXX is knowingly publishing information that is clearly false, solely because the company tells them to. This is being done despite the many efforts to inform not only the Department of Education but also XXXX of these violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've contacted XXXX via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested

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 2023-01-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've contacted XXXX via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've contacted XXXX via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: CA

Complaint narrative:
For YEARS i have been disputing with the department of Education about the erroneous information they continue to report to Credit Reporting Agencies, and for YEARS this company has refused to fix the problem. In XXXXXXXX XXXX XXXX, the accounts are reported as being paid on time, however, in XXXXXXXX XXXX XXXX, the accounts are reported as 90 days late! This same thing happens again at the end of the year. In XXXX the account is reported as paid on time, however in XXXX is reported as 90 Days past due. It is impossible to be on time one month and then 90 days past due the next month. Experian is knowingly publishing information that is clearly false, solely because the company tells them to. This is being done despite the many efforts to inform not only the Department of Education but also Experian of these violation of the FCRA

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've contacted Equifax via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've contacted XXXX via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested

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 2023-01-27 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: CA

Complaint narrative:
In 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 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 2023-01-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2023 I SUBMITTED I CONTACTED BANK OF AMERICA TO ADVISE THEM THAT I DIDNT NOT RECEIVE ANY OF MY BENEIFITS ON MY XXXX UNEMPLOYMENT CARD. I NEVER RECEIVED A CARD BUT I RECEIVED A W2 FORM THAT STATED I HAVE RCEIVED XXXX IN BENEIFITS WHICH I NEVER DID. BANK OF AMERICA FILED A CLAIMED ON MY BEHALF XX/XX/2023 TO INVESTIGATE THE FUNDS. 10 DAYS AS GONE BY AND BANK OF AMERICA HAS NOT ABIDE BY REGULATION E THAT STATES AFTER THE XXXX DAY IF THEY HAVE NO CAME UP WITH A DECISION THEY SHOULD CREDIT MY ACCOUNT WITH A PROVISIONAL CREDIT OF THE AMOUNT IN QUESTION AND YET THEY ARE TELLING ME TTHAT I DO NOT QUALIFY AND THAT REGULATION E DOES NOT APPLY TO THEM. 5-6 CLAIM MANAGEMENTS THAT IVE SPOKE TO SAID ALL OF THE SAME THINGS WHEN ITS THE LAW TO PROVIDE PROVISIONAL CREDIT AFTER THE 10TH DAY OF FILING THE CLAIM AND NOW IM GOING THROUGH HARDSHIP WHICH I EPLAINED TO THE COMPANY BUT YET THEY SEEM TO NOT CARE TELLING ME I HAVE TO WAIT TIL XXXX 2023 TO RECEIVE ANY UPDATES DUE TO I HAVE NOT RECEIVED ANY UPDATES SINCE I APPLIED AND NOW IM HAVING HARD TIMES. I ATTACHED A WRITTEN AFFIDAVIT AND POLICE REPORT TO GET THIS PROCESSED MOVED FOWARD.

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 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc.
State: NM

Complaint narrative:
I just recieved today XX/XX/XXXX a notification from a debt collection Agency : R.A.Rogers INC. The original debt from XXXX XXXX XXXX was for {$340.00}. They would not accept payments and wanted a payoff, I was not in a position to do that, I dont earn enough right now for my cost of living and present bills, I do not have {$340.00} to spare in one lump sum. The bill got ignored for XXXX as I couldnt possibly manage to sum up the full amount. Today the notification from the debt collection agency and they have added a whopping {$560.00} to the debt. Almost twice as much as the original debt, and now triple the original amount oweing. I simply can not comprehend how they think their fee can equate to {$560.00}, Ive never known an ageny to add so much to a debt before, and this isnot my first collection process. Is it even legal to add fees, I know they cant add interest but our fees acceptable? Theres absolutely no way I can afford {$900.00}, Im out of my mind right now! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: IL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
To whom this may concern, I am writing this letter in order to dispute the collection account on my credit report. The collections from Aldous and Associates, originally from a debt by XXXX XXXX. 

I obtained a year membership with the fitness agency XXXXXXXX XXXX on XX/XX/XXXX and. However, I never agreed to extend my membership beyond this point. Moreover, Gyms were closed during the Covid 19 pandemic due to stay at home orders. XXXX XXXX  did not open again until the date of XX/XX/XXXX. Which is 2 months after my one year term. I never agreed to extend my membership beyond the one year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
The account was closed in XX/XX/2022 it continue to report late also losing points they are reporting monthly I have made multiple disputes 5 to be exact on both credit bureaus and directly with the company.

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 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Date : XX/XX/2023, amount of the debt : {$240.00}. The collection company : CREDIT COLLECTION SERVICES. File number : XXXX XXXX. PIN : XXXX. 
CCS PAYMENT CENTER, XXXX XXXX XXXX, XXXX XXXX  XXXX According to Credit Collection services, I owe XXXX XXXX XXXX {$240.00} for property insurance. I have not purchased or rented any properties. I have also never contacted or signed any property insurance contracts/declarations with XXXX XXXX XXXX XXXX I do not rent or own any properties. Why would I need property insurance? I have called Credit Collection Services for many times and explained that it is a false collection. I also wrote a dispute letter and disputed the collection but they still keep sending me the collection letter that requires me to pay {$240.00}. 

Please ask they to verify the correct information, delete the false collection and stop contacting me. Thank you. 

XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The criminal enterprise, Wells Fargo Bank, is at it again. After a long series of violations and penalties paid by the bank, they have another strategy to steal from their customers. Wells Fargo makes it difficult for clients to list a beneficiary for their accounts, requiring the customer to come in person to a branch to make such designations. This disproportionately affects XXXXXXXX XXXX XXXXXXXX people who may not have any branches in majority minority neighborhoods. That leaves these accounts vulnerable to excessive and ongoing fees after the death of the account holder. By making it as difficult as possible for account holders to list a beneficiary, Wells Fargo assures that accounts, subject to monthly maintenance fees in the case of the XXXXXXXX XXXX XXXXXXXX customers who on average have lower average account balances, will be drained by these fees to the fullest extent possible. Further the families of the deceased customers are denied access to these funds at a time where they may need these funds the most, such as to pay for funeral expenses or other immediate needs.

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 2023-01-27 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: IL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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