vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KS

Complaint narrative:
I have tried to contact someone in the tax department of Specialized Loan Servicing for several weeks now because my property taxes have not been paid for 2021. I have an existing escrow account set up with more than enough money to pay the taxes, however I can't get in contact with anyone at this company. When I've called, I sit on hold for an hour and then they drop my call. I've called multiple times in the past few weeks. I also received a letter this week stating that they were going to have to buy insurance on the property because they didn't have a record of me having current insurance. Well I do have current insurance, through XXXX, and even their website states that my insurance is current. I would like to confirm that they have a record of my insurance and have them pay my property taxes out of my existing escrow account, but it seems it's impossible to speak to someone at this company. Truly terrible customer service.

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 — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC
State: NE

Complaint narrative:
on XX/XX/22 I received a letter from Dynamic Recovery Solutions tel # XXXX. reference # XXXX. The original creditor is XXXX XXXX XXXX Current Creditor is XXXX XXXX XXXX XXXX The letter states that this debt has exceeded the statue of limitations and can not be reported negatively on my credit. I called to demand that a verbal cease and desist be placed on this file. I just want the CFPB to notify the collection agency that they need to honor my request. thank you

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency please see attached documents and Identifying identification as it contains my full complaint and request.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AR

Complaint narrative:
LexisNexis responded to my complaint on XX/XX/2022, and they stated that they sell public records in bulk to a variety of customers, including consumer reporting agencies, such as XXXX, XXXX, and XXXX. LexisNexis said that these bulk records are not consumer reports as defined under the FCRA, so I asked LexisNexis to show me where they read in the FCRA that these bulk records are not considered consumer reports, and till this very day, LexisNexis has failed to show me this information. 
I called LexisNexis on the phone asking them to show or tell me where I can see for myself in the FCRA where it states that the bulk records they sell to these consumer reporting agencies are not consumer reports, and they had me on the phone for almost an hour, and I had to tell them to just call me back when they figure it out, and they never where able to show or prove to me where they read that false statement they made. 
I informed LexisNexis that when they removed the bankruptcy from my LexisNexis report after my dispute, that they were admitting to the violation of the 15 U.S. code 1681b Permissible Purpose of Consumer Report. This law clearly states that the Consumer shall have consented orally in writing, or electronically to the procurement of the report by that person, in which I did not consent to. Under the FCRA remedy law, its states that for every violation, its {$100.00} to {$1000.00} and I am demanding the max for damages and the stress that LexisNexis has caused and continue to cause! 
This is my last time trying to work with LexisNexis outside of Court, if LexisNexis dont comply this time, I will be forced to file a Lawsuit with my Attorney, once again LexisNexis I have attached XXXX invoices for a XXXX dollars, XXXX for the violation when you sold my consumer report to XXXX and XXXX for when you sold my consumer report to XXXX XXXX if you dont comply I will start a lawsuit and it will be for more than what I am demanding for right now. 

XXXX XXXX, Consumer

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: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I received an offer on an American Express card which indicated the following : Get a one-time {$65.00} statement credit by using your enrolled eligible Card to spend a minimum of {$250.00} in one or more purchases online at XXXX XXXX XXXX and in-store at XXXX XXXX XXXX XXXX, Just XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021. See terms. 

Upon visiting the website indicated I clicked the " Auto Services '' link in which provides an option to find a service center. Upon entering a zip code, I'm presented with recommended locations, which I visited one of the recommended locations on XX/XX/2021 and spend the required {$250.00}. Unfortunately, American Express indicated that the purchase was not eligible as it was not a XXXX XXXX. The only exclusion listed in the terms was XXXX XXXX XXXX XXXX which the location I visited was not. XXXX XXXX XXXX have a different website and services commercial/fleet vehicles as shown in this link XXXX XXXX XXXX. 

As I consumer, I felt I did my due diligence to visit the required website to find an an XXXX XXXX center. I'm not sure how as consumer would have been able to know that XXXX would recommend an auto service center that was not an actual XXXX service center. If there were other exclusion aside from commercial centers, it should be indicated in the terms and it should be clear enough that consumers can make a clear distinction on how to identify a participating location when visiting the website listed in the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my checking account back in XXXX, I went to the branch and tried to reopen the account today, and they told me I was not able to, and they would not tell the reason. I have been the loyal client to them, and I need a chase checking account to make my life easier because my fiance is banking with chase.

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: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have sent two payments to Bank of America certified mail in XXXX. It is now XXXX and Bank of America has yet to apply my payments to my account or return my payment. On XX/XX/2022 Bank of America closed my account and kept my payment without notifying me. This puts this financial institution in dishonor and holds serious grounds for civil and criminal liability.

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 — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I paid my account in full XXXX XXXX with Procollect , Inc . The amount owed was {$750.00}. On this day, I was told that I would receive a letter advising that my account is paid in full. I never received the letter. I have confirmation numbers for each account. Each time I call and ask questions, they advise that my account can only be accessed by " XXXX XXXX '', who I had not been able to get a response from as he does not have a phone number or an extension ; only an email address. He did not respond to my email sent XX/XX/XXXX. I decided to call again a day later and was transferred to XXXX XXXX for the first time. He advised that my letter was sent via email XX/XX/XXXX. I advised that I have not received a letter and that it is still showing on my credit score. He said that it is not still showing however it was still showing as of XX/XX/XXXX. I asked him can he send me an email with my letter attached and I could verify that I received it this time while we are on the call. He immediately raised his voice and he stated verbatim, " I do not know who you think you are. I do not work for you and as a matter of fact, I will be adding this inquiry back to your credit report. It's was not on there but now it will be. '' XXXX also stated that doing his job was doing me a favor and that he has the power to keep this inquiry that I have paid in full on my credit. On top of him screaming at me to the top of his lungs, he stated he is the only person that can help me and he is not helping me, his actions hurt me and have a negative impact on my credit score. I have no proof from ProCollect that I have paid this in full. All I am asking for is my letter. If I received my letter in the mail as they stated, this could have all been avoided. 

Company : ProCollect Inc XXXX XXXX XXXX # XXXX XXXX, TX XXXX Confirmation # XXXX and # 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 explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
XXXX, XXXX, XXXX is reporting a fraudulent account. I file a report with identity theft .gov. Report number XXXX and XXXX Enhanced Recovery Company {$450.00} date opened XXXX XXXX

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My American Express Credit Card called XXXX XXXX was about to expire. I received a new card in the mail which was also XXXX XXXX card but it was XXXX that I had canceled many years back because I spoke to a representative who confirmed that I cancelled this card. Unknowingly I reactive this card thinking it was my replacement to my card that was about to expire, I then saw XXXX of the same cards on my online app and I assumed eventually they would move the balance over ( why would I open XXXX of the same cards! ) .I waited and started using the new card it went over my limit and I got a notification. So I called Amex right away and they confirmed I cancelled the card so why was I sent a replacement for that and not my new card. This unfair to me as my credit will be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX {$11000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE IN VIOLATION WITH 15 U.S.CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZTION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THERE IN 18 U.S. CODE 245 INVALID ACCOUNTS AND DAMAGING INQUIRIES THAT SERVE NO PURPOSE OTHER THAN DAMAGE CREDIBILTY. SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX,. XXXX AND XXXX XXXX ARE REPORTING LATE. I DECLARE ALL INACCURATE ACCOUNTS ON THE CONSUMER REPORT ARE TO BE CORRECTED PRESENTING NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AS PER 15 U.S.CODE 1666b and 15 U.S. CODE and 15 U.S.CODE 1602 INCLUSIVE OF ANY ALL INQUIRIES ON THE CONSUMER REPORT BEING IN DIRECT VIOLATION OF 15 U.S. CODE 1681b FOR NO INQUIRY REMAINING IS BENEFIT OF THE CONSUMER AND REMOVAL OF SUCH IS PRIVATE BENEFICIAL INTEREST OF THE CONSUMER. I DECLARE AND VERIFY UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

This item credit card account with XXXX 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 XXXX 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 XXXX 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 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

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

This item credit card account with XXXX Bank ending in XXXX is inaccurate because XXXX 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 XXXX disputing this account with your company. Therefore, I am requesting that XXXX 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 XXXX 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 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: Experian Information Solutions Inc.
State: TX

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

This item credit card account with XXXXXXXX XXXX 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 XXXXXXXX XXXXXXXX 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 XXXX XXXX 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
Consumer complaint received 2022-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I got an email today from a XXXX XXXX  imposter, with an invoice that says payment conformation in favour of Coinbase XXXX XXXX Order Details, Coinbase XXXX XXXX Paid Today. XXXX I.D . XXXX. Much gratitude to you for picking XXXX for your solicitation variation from Coinbase XXXX XXXX. If you didn't make this purchase, Call Now to drop this trade. Call Customer Service : XXXX XXXX. I had a similar experience recently with a XXXX XXXX  imposter regarding a bogus XXXX purchase so I recognized the scam. I have not called the number at this time. Last time they wanted me to go to XXXXXXXX XXXX buy and activate a XXXX gift card to prove my location and identity. The supposed XXXX XXXX  person got a fake XXXX employee on the line that gave me a hard sell. I told them where to get off. XXXX customer service referred me to 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: 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 non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX {$11000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have sent US Bank documentation showing my debit was paid off and they are still showing my account as open and owing money!

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