vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: UT

Complaint narrative:
Im a 100 % XXXX veteran. I opened a discover account from a mailing advertisement. 
Not long after having the account I found transactions from a prepaid cell phone company, no one at discover card could help me so I canceled my card and had them issue me a new one and started disputes on the fraudulent charges. Even after changing cards Discover still allowed fraudulent charges on my account it was unstoppable I had no place to go but except paying {$65.00} a month for something I never authorized. After disputing them and having issues doing it I closed my entire discover account and Im not going to be a customer of theirs ever again. But now theyre sending me letters theyre crediting me for some of the monthly fraudulent charges but yet saying some of them theyre going to call valid because I closed my account. This is pure fraud on somebody with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: ME

Complaint narrative:
Received letter in regards to an alleged debt from 1996. Original debt supposedly came from The Credit Store, possibly also known as XXXX. I never had any business dealings with this 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 2022-02-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
i have accounts that need to be validated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
my credit report doesn't have my current employer it back dated 2010 my Last employer was XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Under the laws of the State of South Carolina SECTION 37-5-103 : Restrictions on deficiency judgments in consumer credit sales. 1- A consumer is not liable for a deficiency unless the creditor has disposed of the goods in good faith and in a commercially reasonable manner. 

Unfortunately in this scenario, I did not receive any of the deficiency letters, or dates of when and where the car would be sold. The biggest part is that my XXXX XXXX XXXX XXXX  ( at the time XXXX value of XXXX ) was sold for only {$500.00} which clearly couldn't of been sold in good faith nor a commercially reasonable manner. 

I question that good faith of the sale and amount being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX of 2020, my Chapter XXXX bankruptcy was XXXX. My mortgage was a continuing claim meaning I stayed in the house and continued to pay mortgage payments throughout and after the bankruptcy. 

Experian and XXXX are not reporting my mortgage information even though the mortgage company reports to all three bureaus each month. XXXX is the only bureau reporting. 

My bankruptcy attorney and I have tried to get this rectified. My attorney talked with the mortgage company 's attorney and it was determined that XXXX XXXX is reporting the mortgage but the XXXX named bureaus are refusing to enter the information on my credit report. 

I was asked for a copy of my mortgage statement in XXXX, which I supplied but nothing has been corrected on my report. 

On my last conversation the representative at Experian said he was completing the paperwork that should resolve the issue within 5 days but that has not happened. 

When calculating credit scores, account mix is a relevant factor. The score from the bureau that is reporting my mortgage is XXXX points higher than Experian and XXXX scores ! 

Their refusal to report my mortgage is costing me money in higher interest rates. I want to refinance my car loan, but I want the information contained in my credit report to be complete and accurate before I apply.

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 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Greetings, I have an issue Midland Fund has been garnishing funds out of my check from XX/XX/XXXX till present for a company name XXXX.. The creditor ( XXXX ), I never open an account with them ; when I called Midland on XX/XX/XXXX to rectify the issue, they said that the account was opened XXXX to XXXX. I also called the school legal specialist about it and he said that Midland went to court and the judge signed the request to garnish funds out of my check from XXXX XXXX XXXX XXXX XXXX. Here 's the total amount to be paid to the Plaintiff includes the Final Judgment amount of {$1700.00}, plus postjudgment interest pursuant to 55.03, Florida Statutes, from the date of the judgment, and post-judgment court costs, less post judgment payments received, for a current balance of {$3600.00} which shall continue to accrue post judgment interest until paid in full. Any funds remitted by the Garnishee to the Plaintiff prior to the entry of this Order are being held pending the disposition of this Order. 
All and all, this XXXX credit line was not open by me in XXXX to XXXX and I believe it is a fraud and I would like the money back which they garnished out of my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: FL

Complaint narrative:
I have a charge off on my account that IS NOT a charge off. 

Payment to Lien/Lease holder ( if applicable ) {$11000.00} - XXXX XXXX XXXX XXXX XXXX to You {$3400.00} - XXXX XXXX XXXX XXXX XXXX has not verified the payment received for the 10 day payoff that my insurer paid to this lender in full. This is very unsettling as I have been attempting to resolve this but it just keeps going after evidence is presented. I am not sure where to go from here but I do know I will continue my dispute for this account as it is inaccurate. 

My vehicle was declared a total loss with my insurer, XXXX XXXX in XX/XX/2020. At that point, XXXX XXXX contacted my auto lender, XXXX XXXX XXXX. XXXX XXXX then in turn received a payoff in the full amount of which was valid for 10 days via whatever portal these companies utilize. XXXX XXXX issued the payment and it was cleared. I even received {$3500.00} AFTER this account was paid in full as per the documents attached. I have been trying to get this off my credit fill and been in contact with XXXX who has been unwilling to assist and hung up on me multiple times nor responded to my e-mails. XXXX is not even affiliated with the XXXX  and I have filed a report with them as well. I did contact State Farm who paid off XXXX for this loan IN FULL and they were kind enough to provide me with secured e-mail transcripts showing where a loan insurer with XXXX DID receive the payoff AND released the title to the vehicle. Documentation is attached showing the communication between XXXX and XXXX XXXX ( who paid this off IN FULL with a 10 day payoff they received ). 

ALL of this account is inaccurate with payment history not reflecting from my insurer, etc..it shows the last payment was on XX/XX/2020 HOWEVER, a payment in full for a 10 day payoff quote was made on XX/XX/2020. 

This account needs to be removed immediately due to XXXX reporting from the furnisher.

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 2022-02-01 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: FL

Complaint narrative:
I have a charge off on my account that IS NOT a charge off. 

Payment to XXXX holder ( if applicable ) {$11000.00} - XXXX XXXX XXXX XXXX XXXX XXXX You {$3400.00} - XXXX XXXX XXXX XXXX Equifax has not verified the payment received for the XXXX day payoff that my insurer paid to this lender in full. This is very unsettling as I have been attempting to resolve this but it just keeps going after evidence is presented. I am not sure where to go from here but I do know I will continue my dispute for this account as it is inaccurate. 

My vehicle was declared a total loss with my insurer, XXXX XXXX in XX/XX/2020. At that point, XXXX XXXX contacted my auto lender, XXXX XXXX XXXX. XXXX XXXX then in turn received a payoff in the full amount of which was valid for XXXX days via whatever portal these companies utilize. XXXX XXXX issued the payment and it was cleared. I even received {$3500.00} AFTER this account was paid in full as per the documents attached. I have been trying to get this off my credit fill and been in contact with XXXX who has been unwilling to assist and hung up on me multiple times nor responded to my e-mails. XXXX is not even affiliated with the XXXX and I have filed a report with them as well. I did contact State Farm who paid off XXXX for this loan IN FULL and they were kind enough to provide me with secured e-mail transcripts showing where a loan insurer with XXXX DID receive the payoff AND released the title to the vehicle. Documentation is attached showing the communication between XXXX and XXXX XXXX ( who paid this off XXXX XXXX with a XXXX day payoff they received ). 

ALL of this account is inaccurate with payment history not reflecting from my insurer, etc..it shows the last payment was on XX/XX/2020 HOWEVER, a payment in full for a XXXX day payoff quote was made on XX/XX/2020. 

This account needs to be removed immediately due to FALSE reporting from the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 have a charge off on my account that IS NOT a charge off. 

Payment to Lien/Lease holder ( if applicable ) {$11000.00} - XXXX XXXX Total Net Payable to You {$3400.00} - XXXX XXXX XXXX XXXX XXXX has not verified the payment received for the 10 day payoff that my insurer paid to this lender in full. This is very unsettling as I have been attempting to resolve this but it just keeps going after evidence is presented. I am not sure where to go from here but I do know I will continue my dispute for this account as it is inaccurate. 

My vehicle was declared a total loss with my insurer, XXXX XXXX in XX/XX/2020. At that point, XXXX XXXX contacted my auto lender, XXXX XXXX XXXX. XXXX XXXX then in turn received a payoff in the full amount of which was valid for 10 days via whatever portal these companies utilize. XXXX XXXX issued the payment and it was cleared. I even received {$3500.00} AFTER this account was paid in full as per the documents attached. I have been trying to get this off my credit fill and been in contact with XXXX who has been unwilling to assist and hung up on me multiple times nor responded to my e-mails. XXXX is not even affiliated with the XXXX  and I have filed a report with them as well. I did contact XXXX XXXX who paid off XXXX for this loan IN FULL and they were kind enough to provide me with secured e-mail transcripts showing where a loan insurer with XXXX DID receive the payoff AND released the title to the vehicle. Documentation is attached showing the communication between XXXX and XXXX XXXX ( who paid this off IN FULL with a 10 day payoff they received ). 

ALL of this account is inaccurate with payment history not reflecting from my insurer, etc..it shows the last payment was on XX/XX/2020 HOWEVER, a payment in full for a 10 day payoff quote was made on XX/XX/2020. 

This account needs to be removed immediately due to FALSE reporting from the furnisher.

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 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I XXXXX CHECKED MY CREDIT REPORT WITH THE XXXX MAJOR CREDIT BUREAUS AND NOTICED A COLLECTION FROM MIDLAND CREDIT MANAGEMENXXXX. UNDER 15 U.S. 1692G ( A ) ( 3 ) A DEBT COLLECTOR MUST GIVE A CONSUMER A INITIAL COMMUNICATION TO VERIFY A DEBT. I WAS NEVER GIVEN THE OPPORTUNITY NOR DID I RECEIVE ANY COMMUNICATION FROM MIDLAND CREDIT MANAGEMENT IN REGARDS TO THIS DEBT. MIDLAND CREDIT INDEED ASSUMED THIS DEBT WAS MINE WITHOUT THE OPPORTUNITY FOR ME TO VALIDATE THIS DEBT. LASTLY, I SENT MIDLAND CREDIT A LETTER OF VALIDATION ON XX/XX/2021. UNDER 15 U.S 1692G ( B ) A CONSUMER HAS THE RIGHT TO REQUEST THE NAME, ADDRESS, OF THE ORIGINAL CREDITOR OR THIS DEBT COLLECTOR, SHALL CEASE COLLECTION OF THE DEBT OR ANY DISPUTED PORTION. MIDLAND CREDIT IS IN VIOLATION OF TWO OF MY CONSUMER RIGHTS AND I INTENDED TO PURSUE LEGAL ACTION. 
ENCLOSED ATTACHMENTS : DEBT VALIDATION LETTER SENT PRIORITY MAIL : XX/XX/2021 DEBT VALIDATION RECEIVED BY PRIORITY MAIL AND SIGNED BY MIDLAND CREDIT MANAGEMENT : XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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: PA

Complaint narrative:
XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: WY

Complaint narrative:
I had medical issue with XXXX, a for-profit hospital that has a reputation for padding their medical statements. Medicare paid for the services rendered stating in their CSM summary that " u this service paid under another service provided on the same day '' which means that XXXX was padding the billing. I sent a letter to XXXX protesting the additional billing as it exceeded CMS handbook, and that they had not sent me the actual billing codes submitted to Medicare. My understanding is that I should have been billed only the deductible and not the {$430.00} that Medicredit claims I owe. I do NOT owe Medicredit anything as I NEVER received any services from this disreputable band of thugs, and I am still waiting on SageWest to confirm that they know they were PAID IN FULL by Medicare. I am deaf but I think Medicredit has been making multiple calls to my text phone but they never leave a message to confirm who they are. This is harassment and burning up minutes on my text phone that I need for emergencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TN

Complaint narrative:
i need several accounts validated

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 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A check being sent for deposit in the amount {$24000.00} stolen from XXXX post office 's drop box on XX/XX/21. Wells Fargo ( XXXX ) accepted check as deposit on XX/XX/21 and transferred funds to " XXXX XXXX  '' ( XXXX ) on XX/XX/21. The check was endorsed and marked " Deposit Only xxx xxx ''. I DO NOT have a checking account with Wells Fargo! I received a copy of canceled check on XX/XX/21 and I spoke with Wells Fargo 's personnel and they said they couldn't help me, that XXXX  XXXX XXXX would have to initiate a request for records. XXXX refused to do so as check had been endorsed by me.

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 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: WI

Complaint narrative:
A Netspend cardwas delivered to my house sometime in XXXX. Netspend is a legit company, but I did NOT ORDER this card. The account ( 16 digit number on the front of the card ) was associated with my name & email, but I refused to provide my SSN number. The representative told me ( when I called today, on XX/XX/2022 ) she could & would close the account AND prevent it from being opened without requiring my SSN, then recommended I contact the FTC. So, I need this reported as a fraudulent account that was opened. Fortunately, there has been NO unusual activity within my financial accounts.

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 2022-02-01 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to dispute the following information that Synchrony Bank supplied to XXXX, XXXX, and XXXX. I have circled the items I dispute on the attached copy of my credit reports. 

This item credit card account with Synchrony Bank ending in XXXX is inaccurate because Im NOT 30 days late for the month of XX/XX/2022, when they reported this action on XX/XX/2022. 

Also, Federal Laws ( FCRA ) prohibit your company from reporting any derogatory actions while Im disputing this account with your company. Therefore, I am requesting that Synchrony Bank have this item removed/deleted for my credit report with all three bureaus above. 

Enclosed are copies of my credit reports and the disputed correspondence mailed to Synchrony Bank to provide proof that I owe the current amount on this account. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed item as soon as possible.

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