vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX were provided to me by an entity in XXXX PA, that was in the process of being sold to a major University, during the shut downs triggered by the start of the XXXX pandemic. The University subsequently sold the entity to a XXXX system. Somehow in those transactions, an inaccurate bill for {$630.00} was generated, and refuted by me. The hospital ( which was not the original service provider ) never responded and a few months later the bill was sent for collections to XXXX XXXX XXXXXXXX XXXX XXXX I again rejected the bill and asked for documentation from XXXX, but received none. The matter then landed on my Experian Credit report in XXXX,, but after my complaint to Experian, the adverse and incorrect credit info was removed from my credit report. In XX/XX/XXXX, the adverse and incorrect credit info appeared, for the first time, on my XXXX Credit report, and is now also in dispute. The collection agency ( XXXX XXXX XXXXXXXX XXXX XXXX  ) is a XXXX party to the original matter. They are unresponsive and continue to distribute incorrect, adverse and damaging debt 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 non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I called Avant in XXXX because I thought I enrolled in autopay and was charged a {$25.00} late fee so at that time I was ensured I was in enrolled in XXXX. XXXX comes around and I see I was charged {$35.00} for a late fee and they canceled my auto pay payment without me knowing. The agent XXXX that I spoke with said I was sent an email on XX/XX/11 around XXXX that I dont not see in my primary email folder. If it went to my spam I dont look there and automatically delete it if Im not expecting anything. But needless to say I was assured that my auto pay was setup so if they had of taken it out my account my payment wouldnt have been late and I wouldnt be asking for the late fee to be waived. As of today XX/XX/11 I did go in and cancel my auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: CA

Complaint narrative:
I am writing to bring to your attention certain inaccuracies that have been reported on my credit report. As a responsible consumer, I believe it is crucial to maintain accurate credit information, and I kindly request your assistance to rectifying the following errors : 1.Account name : XXXX XXXX  Account number : # XXXX Inaccuracy : Incorrect information on balance, payment history, account status, comments and dates. 

I have attached supporting documents that substantiate the inaccuracies mentioned above. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. I kindly request that you conduct a thorough investigation into these inaccuracies and take the necessary steps to correct or remove the erroneous information from my credit report. 

Additionally, I would like to emphasize that the continued reporting of inaccurate information reflects negatively on my creditworthiness and financial standing. I kindly request that you update my credit report promptly to reflect the accurate and up-to-date information.

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 2023-11-11 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: LA

Complaint narrative:
I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

1 ) Provide breakdown of fees including how you calculated what you claim I owe.

2 ) Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: NC

Complaint narrative:
I recently pulled my credit report from the 3 credit reporting agencies. Although I have not heard back from XXXX and XXXX yet regarding my disputes filed with them, TransUnion came back and said that 5 accounts I filed disputes on were verified as accurate and upheld, despite zero evidence or data. 

These 5 accounts are not mine. I had no knowledge of them whatsoever. My insurance company, XXXX, had 3 data breaches over a 30 month period of time. I believe my information was used to falsely open accounts in my name. I called TransUnion and asked to see original signature cards or what proof they had collected during their " investigation '' that led them to this conclusion. TransUnion employee XXXX told me to reach out to yall and and that yall would be my best resource in correcting this. 

Accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Altogether total is {$7100.00} dollars erroneously reported on my credit that TransUnion will not remove and " verified '' without any evidence or investigation at all. At no time did a TransUnion employee call me and request to verify what these charges were nor to see If I made them. I DID NOT. Now I'm trying to buy a house and can't because these faceless people refuse to be held accountable for a system mired in cloaks and darkness that nobody can explain and who's criteria is a mystery, but yet who's score controls so much of our lives. 

The period of time when these card accounts were opened, I had not opened a credit card account in YEARS. These are not mine. I'm requesting the CFPB 's assistance in compelling TransUnion to do what they should have done and removed it immediately in error with an apology and without delay.

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 2023-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CO

Complaint narrative:
The Chime Credit Builder account mimics a personal checking account but acts as a credit account in the name of building credit. Chime charges transactions as a credit transaction, but they will only authorize the transaction if I have the funds prepaid in the account balance and they immediately seize the funds and hold them until they " pay off '' the account each month.

Reg E provisional credits are required to protect personal account funds due to unauthorized access to a consumer 's funds. Chime says my Credit Builder transactions do not qualify for a provisional credit under Reg E because it's a Credit transaction/loan.

My major point of contention is that I called Chime and reported possible account breach and unauthorized access within a few hours of my phone being stolen. I reported the fraudsters had access to my telephone numbers and my email and the Chime app on my phone. Chime failed to take appropriate action and freeze the account and allowed fraudsters to log into the account, make transfers within the account, and allowed 16 charges over 3 days before they finally appropriately froze the account only at my insistence after I spent 3 hours 20 minutes on the phone with 7 representatives because I refused to get off the phone until they fully stopped all transactions and activity. Had I not been so insistent, more fraud would have happened with my personal funds.

So we have a situation where Chime allowed the fraud after I reported it and they kept just under {$350.00} of my personal funds on deposit with them and are advising me that I may not see my money until XX/XX/XXXX ( XXXX months ) when the investigation concludes. 

I take exception to Chime taking advantage of me and holding my personal money while they investigate charges that were their mistake to allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MECHANICS BANK
State: CA

Complaint narrative:
Mechanic Bank. loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX www.mechanicsbank.com XXXX Mechanics Bank has increased my XXXX Mortgage loan by {$1000.00} for a year because they did not take enough out for the Escrow account. I am playing catch-up with my escrow account because of Mechanics Bank incompetence . I relied on them to be truthful and accurate. 

Mortgage Loan was transferred to this servicer in XX/XX/XXXX. No welcome Letter, no introduction. One bill from their XXXX XXXX site. 

XXXX ... There is no internet site to review mortgage information. All correspondence is email or mail. I have contacted them via phone but they don't have a Mortgage Loan specialist... The people I talk to are only interested in Auto or Banking transactions. It takes 25 mins to find someone who understand mortgage loans.

I have to send payment by USPS mail because they do not have Bill Pay. Payments sent via mail sometimes get lost. I had to wire money into the account so it would not occur late fees. 

Terms and conditions for ACH are unacceptable to me. The ACH form says they can withdraw any amount from my account they deem fit. I refused to sign that ACH form.

My refusal to sign the ACH form has saved me many times from their mistakes.

Some other issues I have experienced with Mechanics Bank in the last 3 years : 1 ) Mechanics Bank tried to make me pay for my HOA insurance changing. They sent a demand letter for it. They admitted their mistake but it could have put me in a hardship.

2 ) Wire mortgage payments because they were losing mail. Had to resort to sending certified mail to get tracking.

3 ) Escrow account mistakes causing me a undue hardship.

The reason I am writing today is : Mechanic Bank did not take the correct amount for the escrow account in XXXX. 

In XX/XX/XXXX I received a letter in the mail from them showing a new amortization schedule. it was XXXX pages.. the first XXXX pages said everything was fine but the schedule was going to increase {$400.00}. I was not upset but I thought it was just another one of their incompetences I had experienced and did not want to get into it with them. I had been FED UP with them for quiet sometime. 

I missed the 3rd page of the letter.. They had fallen behind on the escrow and were demanding {$1600.00} a month... this is {$1000.00} higher than my mortgage payment is now.. 

This is an undue hardship by Mechanics Bank on me and my family..They are supposed to be a professional organization. THEY ARE NOT A PROFESSIONAL BANKING ORGANIZATION. 


They should not be in business of federal mortgages.. Mechanics Bank needs to be investigated by CFPB for their business practices. 

The person I have talked to at Mechanics Bank XXXX XXXX. 
Tel XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received 2 American Express XXXX XXXX cards within the last few years. XXXX for {$100.00} ( expires XX/XX/XXXX ) and another for {$50.00} ( expires XX/XX/XXXX ). I can not use these cards anywhere online. ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX to name a few ). I have tried to use it at a XXXX store and it was declined. These cards are basically useless to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Credit report bureau does not check accuracy of statements coming from mortgage companies ( and others ) without proper payment applications, cyber security procedures and standards. There is a consortium of companies providing incorrect statements and information and the credit bureau is complicit in their inaccuracies. An example of that type of company is XXXX XXXX. The only purpose is to keep customers tied to low level lenders ( such as XXXX XXXX ) and higher interest rates by manipulating their credit scores.

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 2023-11-11 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: FL

Complaint narrative:
These creditors have violated my rights under 15 USC 1681 Section 602 as per the Fair Credit Reporting Act. In accordance with 15 USC 1681 Section 604a Section 2, I have the right to privacy. I also have the right to demand that a consumer reporting agency furnish the agency with an account only if I provide notice in writing ( 15 USC 1666b ). A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I am being callex 5 to 6 times a day 7 day a week by XXXX credit card ( indigo and milestone cards. I was injured at work and missed a couple of payment because i was off and they have doubled my balances w fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
My credit score has decreased XXXX points for an balance increase, not only have I been waiting 5 years for a loan forgiveness. I also received something stating that my loans was in the process of forgiveness and no action needs to be taken so why is my loan increasing dropping my score?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to several multi-layered scam operations run by a sophisticated group of thieves using the XXXX app which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I received an email from chase stating my account is past due. I immediately got concerned because I always pay all my bills on time and in full each month. I tried to log on to the chase website but had to get a new password because i hadn't used the online option in years. I finally got on the website and was able to print the last few statement but they were only interest and fees no actual purchases. i called them the next morning was on the phone with them for hours. I was told by an employee XXXX that they see someone change the address in XX/XX/XXXX I was asked to hold on she came back on the line after a long wait and told me they changed the address because they say fraudulent activity on my account and tried calling me many time to let me know with no answer. I DID NOT CHANGE THE ADDRESS back in XXXX like they are now saying. I did request they use my current address going forward I sent them {$270.00} that same night I saw the past due email not knowing what that amount was even for. In XXXX Chase changed my address to XXXX XXXX XXXX XXXX XXXX NJ XXXX I have not lived there since XXXX. I was not getting my statement and had no idea I was past due.After an hour on the phone and their story changing about the address change I decided to closed the account. I asked for all my statement since XXXX to be mailed to me. I was told they would and they DID NOT. 
TODAY I received was a XXXX statement showing more interest and more fee. I have excellent credit this is so wrong for them to do to people. shame on Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
This company is simply robbing people! I understand the difference between capitalism and theft. There is no fine line. This company could not answer how they amortized my loan that I didnt not know I was getting my self into. Or how they can get away with charging over XXXX XXXX XXXX  for appliances that dont even retail for XXXX. Simply, this company is charging me {$5100.00} in fees and charges. This whole situation is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX the response was " Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client XXXX XXXX XXXX, a medical debt buyer, in the collection of their outstanding medical debt. Attached please find a copy of the Itemized Bill for Consumer 's review. Our client is offering a 40 % discount with deletion for this matter. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you '' This collection agency has admitted that they purchase debt from creditors yet they are trying to CHARGE ME for the same debt that was CHARGED-OFF from another creditor. Which is ILLEGAL. The original creditor has already charged the debt and gave me a 1099 form which states the debt is written off. Either remove this account permanently or litigation is the next steps. Thank you

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 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello, On or about the first of XXXX, I had another disappointing visit inside XXXX 's Navy Federal Credit Union in XXXX, Texas. I appreciate the institution but branch manager XXXX, makes it impossible to complete daily transactions on regular basis. I've brought her antics to the attention of their corporate office via phone but, am concerned my pleas have gone ignored. 

Moreover, her colleagues tend to follow suite because XXXX 's unable to ensure debit cards are active and ready for use. Following my visit with he and constituent he was training the other day, XXXX claimed the cards one received via mail were active. Consequently, one had to make a third trip back to the bank since I was still in vicinity. This is because they declined during a purchase. Ironically, he never gave me an explanation as to why, the cards were inactive. 

Now, I'm under an impression the office is making a mockery of my encounters with XXXX. Leading XXXX to believe I've been targeted. So, at your convenience, would you please help me earn reassurance when re-visiting the branch? 

Concerned XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation