vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
My son, XXXX XXXX XXXX, received notice that American Express sent him to XXXX XXXX XXXX XXXX to collect {$900.00}. This was his former employer, XXXX 's American Express XXXX ( company card ) and he submitted every receipt ( I uploaded them to their company site myself ), all used FOR COMPANY USE. This was NOT a personal card. He can't be held responsible because XXXX didn't pay!!! This is ridiculous and American Express says they can't access the info because it went to XXXX and XXXX hangs up on you siting an " error '' while on hold. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management XXXXXXXX XXXX  XXXX Acct @ XXXX Called my Spouse. Number was not used to sign up for account. They disclosed they were calling for a debt with amount owed. From Midland Credit for XXXXXXXX XXXX. They did this on two occasions after I called and notified them of the third party disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: ME

Complaint narrative:
I took out a loan with XXXX to purchase a ring on XXXX XXXX. The Ring did not arrive by XXXX XXXX can cancelled the ring .XXXX was the company selling the ring. XXXX XXXX shipped the ring on XXXX XXXX. I did not receive the ring till XXXX. I returned the ring as it was cancelled. The Ring was shipped via XXXX I have the return packaging. XXXX realized it made a mistake as it's driver forced my XXXX XXXX XXXX to sign saying it was a XXXX Gift and your dad would be mad. XXXX XXXX XXXX can not sign contracts. The Ring was returned to XXXX XXXX and then XXXX charged me .No ring .Just a bill. I complained for 4 months. I had a XXXX on XXXX XXXX. My minor child was traumatized. I am permanently XXXX. Affirm did nothing to investigate.I have documented evidence in a letter that XXXX  lied and XXXX XXXX lied to the California Attorney General saying they shipped the Ring on XXXX XXXX. The XXXX  box shows the date XXXX later. I complained to you the FDIC., And multiple agencies in the XXXX govt. No one did anything .bNiw fast forward. My credit has been ruined for almost 4 years and XXXXXXXX XXXX  XXXX New Jersey was one of the companies that underwrites the XXXX loan. They said that they have nothing to do with the XXXX loan but just recently I had a loan cancelled by XXXX because of an internal review by XXXX XXXX XXXX The XXXX loan went on my credit report after a XXXX article about single sale financing. I want the XXXX loan removed from my credit report and I want XXXX XXXX to stop hiding behind underwriting status when they know a bank or lender screws up like XXXX but then be an internal reviewer for Upgrade you can not have it both ways.

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 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: NJ

Complaint narrative:
Since sometime in XXXX or earlier, energy accounts have been opened in my name in the state of Texas. These accounts are not mine & I have never even lived in the state of Texas. Now the accounts are being sent to collections & it is affecting my credit. The latest account in collections is from Procollection for around {$550.00}. I called XXXX to dispute the collection, the address linked, & another Texas address appearing. I assume the rep did not know what he was doing because he didn't dispute the linked address & the company has verified the debt as correct. I have called XXXX once again, explained the situation & disputed both things. After I submit this claim I will also contact the Collections company myself.

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 2022-10-17 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:
Enhanced Recovery is reporting a fraudulent collection account to XXXX, XXXX, and XXXX. I have never had any past service with XXXX XXXX XXXX XXXX XXXX Their refusal to remove this fraudulent account reporting to XXXX, XXXX, and XXXX appears to be fraud and illegal business practices rather than any mistake. 

I filed a fraud report previously to FTC regarding this account and it was removed from my credit report with all 3 credit bureaus previously. 

XXXX XXXX FTC Report # XXXX Submitted : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
On XX/XX/2022 I requested via XXXX validation of debt, or the account be removed. 
after investigation was completed, XXXX verifed debt to be accurate, by law i have the right to documentation showing this debt is accurate. please provide me proper validation this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: GA

Complaint narrative:
I have been working on my credit with Experian, XXXX, and XXXX for the last few months and while some stuff was removed, a good bit was still there. I asked them to provide proof of debt owed and neither them or the debt collector has provided me any proof via mail of account information, contracts, signatures, etc. This is unacceptable because it's illegal to have wrong information on my credit 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 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-17 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: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
XX/XX/2018 in the amount of {$270.00} I have tried to contact this company to let them know it was fraud and i never get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: DE

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: FL

Complaint narrative:
DCM Services , LLC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX DCM Services calls and sends letters to me concerning " The Estate of XXXX XXXX '', I have told them many times I have no knowledge of this estate. 
I ve asked them to please stop calling me at work. They claim it's a private issue and can not discuss it with anyone. 
I want them to stop calling and sending letters to my mail box.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am having problems getting access to my report. I have tried every way and only received a message to call but keep receiving an email to purchase their paid membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
My son, XXXX XXXX XXXX, received notice that XXXX XXXX sent him to Nationwide Credit XXXX Inc. to collect {$900.00}. This was his former employer, XXXX 's XXXX XXXX XXXX ( company card ) and he submitted every receipt ( I uploaded them to their company site myself ), all used FOR COMPANY USE. This was NOT a personal card. He can't be held responsible because XXXX didn't pay!!! This is ridiculous and XXXX XXXX says they can't access the info because it went to Nationwide and Nationwide hangs up on you siting an " error '' while on hold. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: FL

Complaint narrative:
Bay Area Credit Services appeared out of NO WHERE on my credit report claiming that I had a past due balance with XXXX XXXX XXXX for {$540.00}. It was first report on my credit bureau report from this company it appears XX/XX/XXXX. I had no contact. I had no Knowledge of ANY account due because I have not lived at that Address since XX/XX/XXXX. When we left the address in question ( after 5 years ) the owner XXXX XXXX was to have contacted the company to put service back into his name. I have proof of Contacting this company through a dispute on my credit report and I contacted XXXX as well that this is THEIR MISTAKE because of their short staffing during COVID. I tried again to resolve this issue with the COMPANY and was RUDELY hung up on from XXXX - XXXX on XX/XX/XXXX. I again informed her that the landlord was responsible and I have not lived at that address during the time that they are charging for. My address in XXXX was XXXX XXXX XXXX, XXXX pa and my other home at the time was XXXX XXXX XXXX, XXXX, NC and therefore I can 100 % prove I wasnt there. I have contacted the owner AGAIN XXXX @ XXXX as of XX/XX/XXXX via TEXT message explaining that he or the next tenant are responsible for this and I am VERY UNHAPPY it is GREATLY affected my Credit report and SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXX. XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX The above have violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

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 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: WI

Complaint narrative:
I called Edfinancial on XX/XX/XXXX requesting a student loan refund. I made the payments when my account was with XXXX XXXX XXXX. ( ~ {$13000.00} in early XXXX ). XXXX XXXX transferred their accounts to Edfinancinal, and neither company notified me. Edfinancial said I owed nothing and that I would be getting a refund in 6-12 weeks. I called back 6 weeks later on XX/XX/XXXX and was told that I owed {$7500.00} and that the 6-12 week time period was for them to send me an application to apply through the studentaid.gov website. 

I was originally told my balance was XXXX and I would be getting a refund in 6-12 weeks. Now I am being told my balance is {$7500.00} and I have to wait longer to just receive the application to apply for aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX Comenity Bank XXXX Acct @ XXXX Called my Spouse. Number was not used to sign up for account. They disclosed they were calling for a debt with amount owed. From XXXX XXXX for Comenity Bank. They did this on two occasions after I called and notified them of the third party disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
2019 {$740.00} I have contacted them and no response

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 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I submitted CFPB complaint XXXX and received a reply with no further action other than reaching out to a debt collector, however, they are unable to answer my further questions. 

Please review complaint XXXX and then review my comments below. 

The file that was attached referenced paragraph 5 of our letter, stating that credit cards were not closed down at this time. HOWEVER the attached letter, in paragraph 5, states, and i quote : " This account closure requirement does not include, if applicable, any of your installments loans, home equity loans/lines ( or a credit card attached to a home equity line ), mortgages or IRA accounts XXXX '' The above line from paragraph 5 of the account closure template only specifies credit cards attached to a home equity line. Our credit card was a normal consumer credit card ( we didn't even own a home at this time ). 

Please re-review this letter. I have attached both the account closure letter and the recent response from CFPB complaint XXXX XXXX - The credit card showed on both of our credit reports as closed an in good standing as of XX/XX/2018. Why would this be reported as closed? Please provide an answer. If you indeed intended not to close this account at this time, why was it reporting such on our credit reports? Who closed this account? 

2 - We were under the impression this card was closed. How is it our duty to ensure that account closures are properly handled on the banks end, when the letter clearly states everything was being closed. 

3 - The letter only states a home equity credit card and not a consumer credit card. How is SunTrust ( now Truist ) able to send out this letter, stating it was closed, yet keep our card open, even though they sent the account was closed, thus allowing automated payments or potential fraud to continue charging our card for years? How are we to know that this was NOT closed, when everything we saw stated it was closed? We lost access to online banking and our credit reports showed this as closed.

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 2022-10-17 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: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
XXXX XXXX {$160.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT WAKEFIELD {$780.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX {$160.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT KOHLS/CAPONE {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$780.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
In an effort to save my home I have requested a payoff request from the servicer, Specialized Loan Servicing, SLS, on 3 occasions. This request is done through their website through the customer portal. https : //sls.servicingloans.com/home/ Below are the XXXX dates where I have requested a payoff amount : XX/XX/2022 XX/XX/2022 XX/XX/2022 An today on XX/XX/2022 I have also requested for a payoff request. 

The reason for my payoff request is so that I can see if I can payoff my mortgage with my retirement account.

The SLS website tells you that that I should have my payoff quote e-mailed to me within 24 hours from the time I request the payoff quote. Each and every time I receive a message stating my request has been submitted and that a response will be sent to my e-mail address within 24 hours. To this date this has not occurred.

I am demanding that SLS sends me a payoff amount immediately.

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 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
Received emails showing someone used my previous name to open an account with Bank of America. The application was approved and sent correspondence through my email. I called their fraud department and they confirmed someone used my identity to open an account, so they closed it.

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 2022-10-17 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My loan was Modified XXXX of last year, the new servicer began reporting my loan past due and updated my payment history to show me as past due. They claim the modification is still pending 14 months later. Also they claim they are selling my loan to an investor from USDA to a private investor and this is why it's causing a delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief