vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
I am writing to dispute the presence of a collections account on my credit report. This is the second occurrence of such an error, and I seek your prompt assistance in rectifying this matter. The account in question pertains to LAW OFFICES MBA, and it was initially marked as delinquent due to a billing discrepancy. However, I would like to emphasize that the outstanding amount associated with this account was settled in full on XX/XX/2022 by the original creditor, XXXX XXXX XXXX XXXX XXXX. It was a self-pay visit in which I was given a discount by the hospital so the amount was no longer {$690.00} but {$380.00}. Subsequently, the collections status was resolved, and the account should have been updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian keeps closing disputes with a answer that makes no since considering in there letters admit that

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 non-monetary relief
Consumer complaint received 2023-10-24 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: FL

Complaint narrative:
First of all I been banking with chase for over XXXX XXXX  and never had an issue I lost my wallet in XXXX and charges were made to my account that were authorized. I later found my card at home but my wallet was still missing I sent documents giving my location and time during the time of the transactions and still my information was denied. I told them my card was probably duplicated or information got taken from me. Also through the whole process has been very stressful as iam unable to fully get any help.. Iam currently waiting for the status of a police report.the uploads are pictures of me at work the same day those transactions took place .. its impossible to be at two places at once I was at work at the time and they still refuse to believe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: LA

Complaint narrative:
Mohela is reporting the same account on my credit report twice so it's showing as two tradelines. This is making it appear that I have twice as much debt than I actually have. I contacted Mohela and spoke to XXXX who stated that it appears correct on their end and he only sees it being reported once. I asked what could be done to fix it and he said he wasn't very familiar with the process. I need this corrected because I am in the process of purchasing a home and this is negatively impacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
For my accounts ending in XXXX and XXXX are closed and I no longer have access as these accounts ( just for XXXX, please do NOT touch the other accounts on my file ), is no longer associated with me and need to be removed entirely. I have attached proof of the XXXX  out account.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: OK

Complaint narrative:
I purchased a Netspend Prepaid debit card and had been using it to get paid by my employers by direct deposit for multiple years with no problems until starting 2 months ago when I started getting spammed with emails from Netspend to upgrade my prepaid spending account to their new " All Access '' account and upon doing so, I would get my direct deposits 2 days earlier than with the standard Netspend Prepaid debit account and after a month and a half of being pressured and my pre-upgraded accounts direct deposits being delayed, I went ahead and upgraded my account to their new " All Access '' prepaid account. 

At that time, Netspend then changed my card number, routing and account numbers and deactivated my " Old account '' resulting in complete chaos with my work, paying bills, payments that were already authorized, everything started going downhill at that time and after a week of talking to probably over 20 different representatives, bounced direct deposits and bill pays I was assured everything was good to go.

One of the stipulations to upgrading my account to their " All Access '' account was that I had to have a direct deposit within 10 days of upgrading to obtain my " All Access Benifits '' and so I complied and had XXXX of my jobs direct deposit my last XXXX weeks paychecks totaling {$2500.00} into my new " All Access '' Netspend Prepaid account, this was on XX/XX/2023. 

Upon trying to pay my bills using the {$2500.00} that I was pressured into depositing, my account was locked, access to and usage of my prepaid balance are being denied to me unless i send a photo copy of my " state ID '' to someone over the phone in XXXX. 

I have verified EVERYTHING about my identity to Netspend including, my social security number which I really didn't feel comfortable doing, I have received mail from Netspend to my current address, addressed to me, i have activated their new account, confirmed my identity MANY TIMES and now i'm being told that there is NOTHING I can do, that they'll keep my money and keep my account locked unless I provide them with even MORE personal and very sensitive data. 

As you can see here, the FTC has already ruled that these practices are illegal : XXXX XXXX XXXX And as you can see here by the XXXX pages of XXXX  complaints in just Texas, they're still doing this to thousands of people : https : XXXX Netspend is a PREPAID card service that manipulates consumers into depositing funds onto the cards and then denies the consumers access to their funds and accusing consumers of fraud to justify 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 2023-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
During the process, i applied for forbearance at the beginning of XXXX XXXX. I received a letter saying I was approved, I still continued making payments in which then I called and said, " I no longer need help from forbearance. '' This is when I was told I was never approved for forbearance because I was " behind '' XXXX  months. I then tried my best to come up with the XXXX  months, I paid the XXXX  months with some money i received, and as i made the payments the tailor told me that the forbearance had been approved. I then asked to receive the check that i already paid but the tailor said she would have to mail the money back to me. As i called the back, I was informed that everything was cancelled because of the money I took back. The money that i took wasn't supposed to have any effect on the process because that was the XXXX  months which was claimed to not be paid, so I had to restart the process of the forbearance again. As i was waiting for the next forbearance release process, I paid the XXXX months over again in the amount of {$3600.00}. I wrote them and thanked them for their help. My case was ongoing for XXXX  months and after the fact, I paid the XXXX missing months meaning my case should've been up to date. Around XXXX this year, I received a letter from HUD claiming that I owed them {$3600.00} for the payment I already paid for the XXXX months I was behind. There are also some payments that I have on record which the bank doesn't have.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-24 00:00:00
Product: Credit reporting 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: KY

Complaint narrative:
account is over 7 years and FCRA law requires it to be removed 15usc 1679c 15usc 1681c

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
For my accounts ending in XXXX and XXXX are closed and I no longer have access as these accounts ( just for XXXX, please do NOT touch the other accounts on my file ), is no longer associated with me and need to be removed entirely. I have attached proof of the XXXX out account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
For my accounts ending in XXXX and XXXX are closed and I no longer have access as these accounts ( just for XXXX, please do NOT touch the other accounts on my file ), is no longer associated with me and need to be removed entirely. I have attached proof of the XXXX  out account.

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 2023-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/, I applied and was approved for XXXX XXXX, through XXXX XXXX XXXX is handled through TD Bank. When I attempted to purchase two XXXX XXXX XXXX mobile devices, my order was cancelled. When I contacted XXXX on XX/XX/XXXX  and XX/XX/, they instructed me to contact XXXX XXXX to confirm that my billing information is correct. I called XXXX XXXX customer support and they confirmed the information is correct. I attempted several more times to re-submit the order, and the orders would get cancelled. XXXX has maintained the position that the issue is with XXXX XXXX. I was approved for the financing and have excellent credit. I now have a hard inquiry against my credit for a young account I can not use on the only place it can be used, XXXX. According to XXXX 's website : XXXX XXXX XXXX XXXX can be used on XXXX  and the XXXX XXXX XXXX. Based on my experience, this is false advertising.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I've attempted on multiple occasions to get customer service on the phone about when my SAVE Plan application will be approved and put into effect. 
Studentaid has already shown my application was reviewed and approved, but Nelnet just continued to sit on it while interest accrues. That's convenient for them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC.
State: IL

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 confidentiality under 15 USC 1681. 

XXXX XXXX # : XXXX and XXXX  # XXXX Account name : XXXX & XXXX XXXX. # XXXX  XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting 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: TX

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
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I Sent my letter off on XX/XX/XXXX. I told the credit bureau to REMOVE my information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 
I am aware that sharing my personal information in illegal the company is violating and going against The Gramm-Leach-Bliley Act that was signed into law in 1999, designated to protect consumers ' privacy in the realm of financial institutions which are, obviously, privy to quite a bit of personal and sensitive customer data.

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 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
Called the company and sad they no longer had it. 
Disputed it with the credit collector and credit bureau as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX is the original debtor who turned me over to a collection agency called Spring Oaks Capitol, LLC. The balance is XXXX. The agreement was stated that if I paid XXXX they would write off the balance. I did pay the XXXX did not receive anything in writing of the agreement and they continue to hit my credit ever month for the last 8 years. The original debt is 7 years old but the collection agency has 3 years and 24 months. I am asking that this account be closed with good standing and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXXXXXX sold my information to this company that was from XXXX. They are illegal in maryland where i reside and they kept selling my debt.I don't owe them this money stated as they put me in collections. 
( DEBT RECOVERY SOLUTIon ) Last reported XX/XX/XXXX {$1500.00} Open balance XXXX  Original creditor Opened XXXX XXXX, XXXX ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I have attempted to file a dispute via XXXX XXXX  website and mobile website, and not only does the website not load but XXXX XXXX website said it was not able to process my request online, not giving me the reason why it was not able to process my request online. I was instructed that the only options available to me were to file a dispute by calling XXXX or submitting one by mail. XXXX is operating its website, with its inability to process my dispute request online and that it is consistently does not function to allow quick, easy and convenient access to my credit file, is operating in an abusive and deceptive manner. XXXX is knowingly, intentionally and deliberately not providing services and functionality to me to allow me to dispute inaccurate information on my credit report. Each time I call to speak to a live agent to assist me, there is, at minimum, five minutes of automated system prompts and up-selling of XXXX products, including its fee-based credit monitoring service and its text message-based options to communicate with XXXX. XXXX also employs online foreign, offshore and customer service representatives not based in the United States. As a result of XXXX XXXX customer service representatives, consumers are forced to speak to agents whose English is often incomprehensible, making it virtually impossible to conduct business related to my XXXX consumer credit file. When speaking to representatives, XXXX XXXX offshore, foreign customer service representatives are rude, abusive and will often disconnect the call at their whim without warning, because they are frustrated. When asking to speak to a United States-based representative, I have been instructed the representative will complete a " call back '' form and that a US-based representative will return my call within 48 hours. Once more, XXXX is using abusive and unfair practices to deny me access to my consumer credit report -- and to correct errors on it that have affected my credit score and credit worthiness. My credit dispute, that I am demanding XXXX  investigate, is from Genesis Card Services/XXXX XXXX , with account # ending in XXXX or XXXX, in the amount of {$7100.00}. This account now has a zero-dollar balance and is paid in full. I have attached copies of my payment receipts that show I now paid this account in full. XXXX must update my credit report to reflect this, and XXXX must also update my XXXX XXXX credit score to reflect the decrease in credit utilization.

Company response to consumer: Closed with explanation