vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 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: United Shore Financial Services, LLC
State: CA

Complaint narrative:
In my previous CFPB complaint, UWM responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX 2021 and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which UWM rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because UWM 's XXXX  can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, XXXX was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask UMW to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from UWM and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: MD

Complaint narrative:
Experian is reporting an inaccurate incorrect Bankruptcy on my credit report i disputed they claimed to have verified received a copy of my report from their source doesn't reflect any bankruptcy so i am not sure as to why they are reporting inaccurate unverified erroneous information on my report would like them to investigate as to why they are reporting incorrect information on my 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 2022-11-15 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I had a Milestone Credit Card that was issued by Bank of Missouri but serviced by Genesis FS Card Services. My card did fall behind however I called them in XX/XX/2022 to make a payment to prevent charge off. I made a payment that day of XXXX on the phone and advised I will be paying this account in full before the next pay was due. I asked would the {$56.00} payment be enough to keep the account open and prevent chare off and I was advised yes. I called back a week later to set up the payoff of the balance and learned my account was charged off anyway and sold to XXXX XXXX XXXX XXXX. I tried to speak with someone at Genesis to tell the, this was an error but they refused to speak to me and stated I needed to call XXXX XXXX. So I called XXXX XXXX  and set up the payment to pay the account off in full ( {$1000.00} ) on XX/XX/2022. XXXX XXXX only had my account for less than 10 days so they never reported to my credit. But Genesis reported the account as charged off. I filed a complaint with the XXXX  and this was the only time I got a response from Genesis. They stated they would pull the account back and remove the charge off in XXXX days this was XX/XX/2022. On XX/XX/2022 Genesis has pulled the account back from XXXX XXXX and started the process of removing the charge off but only from XXXX. Then today XX/XX/2022 I was notified that the balance of {$1000.00} has reappeared on my credit. I called to find out why and Genesis stated they don't have the funds from XXXX XXXX although XXXX XXXX did confirm my pay off on XX/XX/2022. I asked Genesis to stop reporting this balance since it was paid to the company they sold it too and it is not my fault they is a break in their process to get the account back that they sold. The payment was made therefore I am no longer responsible for the balance yet they are still reporting as if I never paid the balance in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: BMW Financial Services NA, LLC
State: OR

Complaint narrative:
Thursday XX/XX/XXXX Re : XXXX XXXX XXXX Delinquent Account Dispute To whom it may concern XXXX Recently, my fiance and I purchased a XXXX   from your organization and due to the changing dynamics of our family we were forced to trade it back in. This was my second BMW and her third and I would consider us enthusiasts of BMW. This recent experience has left us less than happy as far as how long this mistake has endured. 
Let me illustrate it for you : We, XXXX XXXX and XXXX XXXX purchased a BMW XXXX from the BMW dealership of XXXX on XX/XX/XXXX. We financed through BMW financing and had no problems acquiring financing nor paying our bills in a timely manner as they were on auto pay. Personally, my XXXX XXXX was XXXX and had not changed in years. As I stated, we had to trade the car on XX/XX/XXXX. As this was very close to our XXXX withdrawal, we specifically asked our BMW XXXX how to proceed and they stated that we should suspend autopay and they would take care of it. As of XX/XX/XXXX, we no longer had the vehicle in our possession and the autopay was suspended. 
It was then several months before we noticed anything. Just from habitually checking our credit scores, we noticed we were hit very hard with a reduction in our standings. It was related that we had a delinquent status reported from BMW. After several calls to the dealership and BMW XXXX, it turns out that that BMW of XXXX failed to mail the check and appropriate paperwork in time. Also after several visits to the dealership, which is an hour away from my home, we were finally able to acquire some help from XXXX, the local dealer representative who stated that it was the dealerships responsibility and he would assist us with the dispute. 
About XXXX month ago, it seemed resolved. Our credit scores each jumped, although not ENTIRELY back to prior, within XXXX points. XXXX or XXXX weeks went by and suddenly our scores were hit again and then again, dropping them further than prior. I called BMW XXXX and apologetically lost my temper a bit with a gentleman but through a few calls determined that I needed to specifically resolve this dispute via written correspondence drafted from me personally. 
Now you have said correspondence and I have also included letters of attestation corroborating our side of the dispute. It is nearly XXXX XXXX  year since leaving the vehicle with your companies. Your own employees have stated that the responsibility was theirs, internal disputes were submitted and now you have your personalized dispute in hand, I would like to see our XXXX XXXX return to their prior status. Please. Both my fiance and I have been enthusiasts of your beautiful vehicles for years and I hope for years to come. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: PA

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 XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 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.

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 2022-11-15 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: FL

Complaint narrative:
I have tried to update my personal information with little success, Please help me do so and delete the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/22 I contacted Bank of America to dispute a charge. I received an incorrect order from the merchant. I contacted the merchant to let them know they sent me the wrong order along with photos. The merchant said that they would " look into it and get back to me as soon as possible. '' But they never did. After one week, I emailed the merchant to get a status update on their resolution but they didn't respond to my email. for 4 days. So I decided to call the bank to dispute the charge.

The bank of America representative denied my request to dispute the charge until I " send back incorrect merchandise ''. I told the representative that 1 ) I haven't been asked to send back the incorrect merchandise because no one is responding to my emails 2 ) I am not paying to send something I didn't order and 3 ) I still have the right to dispute the charge because I DID not receive my order. The Bank of America representative continued to deny my request and told me to call the merchant instead of emailing them to try and resolve the issue.

I then I asked to speak to a supervisor. The Bank representative got upset as evidenced by her attitude and loud sighs. she then put the phone on a silent hold for 27 minutes. I hung up the phone and called the bank back for a second time.

The bank of America representative documented what happened in the previous call and transferred me to their supervisor. I was on hold listening to music for about 4-5 minutes, and then the line picked up. I thought someone was going to say hello but then it hung up immediately. 

Bank of America is not allowing me to speak to a supervisor and the representatives are not taking the correct actions to address this issue.

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 2022-11-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX ; Past Due {$160.00} Ive contacted the company about reporting these late payments. This is fraudulent and ILLEGAL. 

XXXX ; Past Due Collections account, I have reported this inaccuarte account. This is ILLEGAL to report per US Codes listed below XXXX ; Past Due {$730.00} Collections account. I hace reported this FRAUDULENT account. This is ILLEGAL to report per US Codes listed below, XXXX ; Past Due {$2900.00} Collections account. I have reported this account and it is FRAUDLENT and being reported ILLEGALLY per US CODES listed below XXXX XXXX ; Past Due {$250.00} Collections account. I have contacted them and this account is fraudulent and being reported illegally per US Code listed below XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Past Due {$1400.00} Collections account. This is a fraudulent account XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: MI

Complaint narrative:
XXXX ; Past Due {$160.00} Ive contacted the company about reporting these late payments. This is fraudulent and ILLEGAL.

XXXX ; Past Due Collections account, I have reported this inaccuarte account. This is ILLEGAL to report per US Codes listed below XXXX ; Past Due {$730.00} Collections account. I hace reported this FRAUDULENT account. This is ILLEGAL to report per US Codes listed below, XXXX ; Past Due {$2900.00} Collections account. I have reported this account and it is FRAUDLENT and being reported ILLEGALLY per US CODES listed below XXXX XXXX ; Past Due {$250.00} Collections account. I have contacted them and this account is fraudulent and being reported illegally per US Code listed below XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) Past Due {$1400.00} Collections account. This is a fraudulent account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Fraudulent

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 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2022 an ACH in the amount of {$48000.00} was sent from my account in Fifth Third bank to an individul account with XXXX XXXX. This ACH was sent in error, and recalled within 24 hours and on XX/XX/XXXX. I was advised by 5/3 that the ACH was not reversed in-time, and the funds were not available to be recalled. Myaccount was deducted {$48000.00}. 

I filed a police report. The police invetigation revealed through subpoena to XXXX bank that in fact the ACH was reversed and no funds were disbursed to XXXX customer. However, I never received the funds back into my account. When I ask Fifth Third they are telling me that XXXX is not responding. When I ask XXXX, they tell me that they can't tell me anything as I am not their customer. I have been out of {$48000.00} for almost a year, and neither bank is doing anything about it. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: U.S. BANCORP
State: CA

Complaint narrative:
I keep getting both XXXX  and XXXX  weekly from USBank saying that XXXX XXXX tried to charge my account and it was declined. 
I have never had a XXXX XXXXt, and USBANK was the ones who illegally and unethically terminated my Bank Account XXXX  years ago because my wife followed their directions to the letter causing my credit to tank, and almost starving us to death, which made the pandemic a living XXXX for us, of which we have yet to recover and in fact are now going to need to declare bankruptcy. 
Ive told USBANK this is fraud XXXX  times with out responses. Not surprising because of their horrible ethics.

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 2022-11-15 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: FL

Complaint narrative:
I am a natural person, i am a living human being, i have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I applied for assistance with my lender. I was informed that my payments would not show as late on my credit report if I applied and got approved for the assistance. XXXX I add that I have never been late on my loan. They approved my assistance. I was told by a representative the month of XXXX that as long as I made the full payment by the end of the month it wouldn't be reported late. It is not reported late till after 30 days of not making the full payment. I paid it in 22 days. I paid the full amount by the XXXX of XXXX. They reported it late on my credit report. The representative when I called stated that they where going to put in a request to get it fixed. They stated they declined my request due to me paying late. So the representative was misleading in the Mortgage Assistance hotline. I did everything they told me to do. Now they are back tracking on what they said that their policy was. I submitted emails of the credit reporting agency 's that reported it late to the lender so they could fix it on XX/XX/22.

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 2022-11-15 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
In XXXX I received a letter of collection from XXXX XXXX XXXX on behalf of Paypal for {$100.00} with no explanation of the charge, by the way. After telling both XXXX and Paypal via emails and telephone that I never had a Paypal account, XXXX stopped billing me, but Paypal continues to send me messages via email regarding the account I never had. They want me to 'login with my password '', which I can not do because I don't have an account, or " open an account with a password. '' I have contacted them 3 times to send me a confirmation letter that I do not nor did I ever have an account with them and that there is no no balance to be collected. However, they never did so. 
They continue to harass me. I want the harrassment to stop and the confirmation sent to me that there is no balance and there never was and still is not a Paypal account in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I started receiving an statement from Fortiva Bank that I have outstanding debt with them, problem is I dont know this bank at and I never heard of all. I talked to them to clarified the debt and we think that someone is using my identity illegally. I have med complaint with our local Police Station have the report copy from them. I want to clear my name out of this as soon as possible. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
The company XXXX XXXX XXXX XXXX in XXXX XXXX, NV is requesting a debt owed of XXXX that is not accurate and the company is now closed and no longer in business and unable to be reached to resolve this falsity. 
Also the dispute states there is a 2 year lease agreement on XX/XX/2021 which is not accurate. I was moved out by XX/XX/2021 because this place had extremely dangerous living conditions which is why they agreed to terminate my lease as they proceeded to go out out of business. 
A new owner is XXXX XXXX  XXXX XXXX and when contacted they respond with they have no correlation with XXXX XXXX XXXX, were sorry.

Company response to consumer: Closed with non-monetary relief