vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I submitted my notice to vacate 60 days prior to my move out date of XX/XX/23. I moved on XX/XX/23 and advised the complex that I moved. The office was closed due to renovation and I had no idea where they were in order to turn in the keys. I made an appointment to turn in the keys and thought everything was cleared. I was never advised that I owed any monies and then two months later, I get a collection letter. I was never given any opportunity to settle with the complex if I were to owe anything. This was turned over so quickly because I didn't want to renew my lease. On XX/XX/XXXX, I paid the amount due in the portal that covered XXXX XX/XX/23 and had a XXXX balance. On this notice from the collection agency, it says I owe XXXX. I was charged two late fees of XXXX after I moved and was charged for 11 days in XXXX and another 4 days for XXXX after I had already moved out and given them the keys. I do not owe XXXX and this account needs to be closed out and I don't want any other correspondence from the collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

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 2023-04-03 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: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
My credit was used without permission on XX/XX/XXXX. A credit increase on my credit card without my knowledge in XX/XX/XXXX. Then account was closed XX/XX/XXXX. I have not used my credit card that was issued to me in 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 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I keep being overcharged and American Express has been unable to fix it. 

On XX/XX/2023, I booked a fully refundable hotel through American Express Travel ( AMEX Travel ) using my American Express credit card, cost was {$230.00}.

I used points to cover that purchased. As expected, my credit card was debited {$230.00} from AMEX Travel and received a credit of {$230.00} related to the points redemption, and my points had the expected amount deducted. 

On XX/XX/XXXX, I had to cancel this reservation and on the same day I received a credit of {$230.00} on my credit card. 

On the next day ( XX/XX/XXXX ) I was recharged {$230.00}. It looks like it was due to the points being returned to my account, so it makes sense AMEX would charge me and return the points. However the points never returned. 

I contacted customer service on XX/XX/XXXX, the representative confirmed it was due to points but don't know why this was done automatically as this is something they need to initiate. She returned my points. 
On the next day ( XX/XX/XXXX ), I was again charged another {$230.00} on my credit card. 

I contacted customer service again on XXXX XXXX, and spoke with a supervisor. Initially the supervisor told me everything is correct, but I explained again these extra charges. 
Then, the supervisor asked me to deal with American Express Travel.

Please note that none of these unexpected charges are able to be disputed. Because they all come from AMEX, AMEX does not let me to open a dispute on them.

Second, AMEX Travel shows as fully cancelled and refunded.

Unfortunately, AMEX has shown a few times a problematic billing system. I recently had an offer for paying insurance with the card that I had to follow up several times ( {$30.00} credit for paying insurance with the card ) - it did not credit automatically, and required many follow ups. It was eventually fixed, but it shows a very unreliable billing system. This is for a card where the business model is to charge a high annual fee ( {$690.00} ) and provide many different small credits. 
There are many complaints about delays or lack of credits ( e.g. entertainment credit for XXXX, XXXX, etc. ). 

This card is giving me more stress than joy since I need to keep a very close look on all the promised credits, and follow up several times to make sure I receive them. This became work instead of joy. 

AMEX used to be better but now requires a lot of work, or I face financial loss because credits/refunds do not process as expected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was notified by the credit card fraud department at Capital One bank that somebody tried to get a credit card in my name. The application number was XXXX. The bank denied the card as fraud was suspected. I told them again that I did not apply for this card.This application was done on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: ME

Complaint narrative:
I had a lease with Ford motor credit.

I paid my lease payments up to date and during Covid I was struggling and contacted them to lower my payments. During this conversation they introduced a voluntary early termination to me. They introduced to me as a way to return the truck and have it clear up my remaining lease balance. 

They did not inform me it would destroy my credit and then they also charged me XXXX after the fact with an apology after I was told the auction would cover the balance since I was current. 

They screwed up big time! Took my truck, auctioned it. And then stuck me with a bill. Destroying my credit, and then sued me. 

Today at the hearing they asked for with the judge they did not show up for it. 

Im so sick of these jokers and XXXX from these people. 

I want this off my credit and an apology I dont owe them a thing. 


Attached I copied one of the interrogatory responses and the copy of the hearing they did not show up for. I took the entire day off of work to be here. 

This is XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
When trying to make monthly payments through the Mariner online portal the amount the system would allow you to pay was frozen which forced us to mail in payments through our online banking app. The payments were collected and the company still turned the account over for collections, followed by a lawsuit on the promissory note. This happened each month on the online application. The company would not allow you to just make XXXX payment if XXXX payments were due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: FL

Complaint narrative:
my home was broken into my car vandalized we lost our id and many other persoanl items like ssc and birth cert and other priceless items this company has sold the debt and failed to comply with the fcra guidelines by proving that any of the debt match my address which they could not or i would have seen this sooner please help XXXX XXXX XXXX blance XXXX $ XXXX XXXX XXXX XXXX balance XXXX $ XXXX  account XXXX $ all are fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my, XXXX XXXX 's, federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/21 a medical collection was erroneously added to my credit report. XXXX deducted XXXX points and Experian deducted XXXX points. I contacted the collection agency to have a letter sent to the credit bureau as confirmation that the bill had been paid and the collection should be deleted. XXXX responded promptly, acknowledged the letter, deleted the collection, and added the XXXX points within 24hours. Experian also acknowledged the letter and deleted the collection however refuses to add back the XXXX points they deducted due to the error. I have filed two disputes with Experian and spoken with a supervisor along with a complaint. I continue to receive responses from Experian advising me that they do not control my score. I have been directed to MYfico, to resolve the scoring issue. My Fico advised me that the credit bureau calculates scores and then provides them with the information. I have recently been approved for a home however I will not be able to close due to my credit score. Most lenders use Experian, XXXX points deducted from my credit score is substantial and will take me a year to recover. I am a Veteran and a first-time home buyer, this is a serious matter to me as I have worked very hard to get my score to a place where I would qualify for a home. Please look into this matter sooner than later as I may miss the opportunity to purchase a home for myself and my son. 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 2023-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Happy Money, Inc.
State: IL

Complaint narrative:
Before I took out the loan I was lied to about the interest. I was told the interest would be added on monthly and that if I wanted to pay off the loan early I would only be charged the interest currently accumulated. Instead, they front load it all of the interest, and when I click on my payoff amount, it had all of the interest through the entire term of the loan added to it. 
Thats the opposite of what I was told. 
Website is payoff.com /Happy money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The credit bureaus continue to violate my consumer rights by reporting inaccurate information on accounts that have been removed off my credit but re inserted.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting and XXXX  account # XXXX date XX/XX/XXXX, XXXX XXXX XXXX XXXX  date XX/XX/XXXX amount {$100000.00}, account XXXX XXXX XXXX {$490.00} date XX/XX/XXXX, account XXXX XXXX XXXX XXXX {$820.00}, XXXX XXXX XXXX {$1000.00} XXXX has violated my rights. 
15 U.S C 1681 section 602A stats I have the right to privacy.

15 U.S C 1681 section 604A section 2 it also state a consumer reporting agency can not furnish a account with my written consent

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 2023-04-03 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: IL

Complaint narrative:
In accordance with the fair credit reporting and XXXX  account # XXXX date XX/XX/XXXX, XXXX XXXX XXXX XXXX date XX/XX/XXXX amount {$100000.00}, account XXXX XXXX XXXX {$490.00} date XX/XX/XXXX, account XXXX XXXX XXXX XXXX {$820.00}, XXXX XXXX XXXX {$1000.00} XXXX has violated my rights. 
15 U.S C 1681 section 602A stats I have the right to privacy.

15 U.S C 1681 section 604A section 2 it also state a consumer reporting agency can not furnish a account with my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Denefits LLC
State: MD

Complaint narrative:
Denefits LLC has violated the cares act and my right to privacy by providing this information to CRAs.In addition, this is a medical bill. 

I want this info removed immediately. They violate of 15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as a late payment for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
its been a year and Shellpoint mortgage servicer is doing everything they can to hold onto the XXXX to repair my home. Where is the money I asked them in an interest bearing acct? They cant answer this question.They even had an inspector come to my home not telling me that they have a universal key and helped themselves into my home without permission several times not knowing until my neighbor said he was in my house too with hiim. My home is in foreclosure. The first half my insurance company paid out too much and wont help me get the money back. A contractor I hired took off with the first hallf. I order to release the funds Shellpoint said 50 percent will need to be done. Then fighting with them to understamd they asked for receipts. I provided many receipts. Then I provided an affidavid notarized stating i would be making the repairs myself, not good enoughThey complained could read ther, or illegible, not true. So then after more receipts equalling XXXX my point of contact XXXX XXXX in the loss draft dept says well the house has to be repaired 60 %, then XXXX, now XXXX percent must be completed. It took a year or more. Now she wants w-9s from the contractors. XXXXThese contractors have been notififed three XXXX of them died and I can not get. She has forced my home to go into forclosure because how can i pay for a mortgage and a rent? I am in the process of california mortgage assistance program to pay all of the money I owe and fees, ad i must be living in the home. So they have forced me and my chidren to live in the house with ice cold water and no heat.First they tol me there was no manager, then thery were all managers, my situation doesnt fit in a box.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
XX/XX/2021 a total of {$90000.00} USD was stolen from me thru the Coinbase wallet app in a XXXX XXXX XXXX scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Albert Corporation
State: MI

Complaint narrative:
I applied for a loan to help me get by on a tough month. I wanted {$50.00} and got it. When I was done and thought the loan was repaid I tried closing the account and it said I had money transferring. Not only did they give me a second loan without my knowledge but they took money from my bank account and put it in a savings account I wasn't able to access. It took more than 2 weeks for the transaction to clear. I didn't find out I had the extra money until it was too late. I never initiated the loan, I never wanted the second loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: KS

Complaint narrative:
Bridgecrest nor any of its DBA's/subsidiaries hold a Supervised Lender License as required by Kansas UCCC 16a-2-301 ( 1 ). In order to lawfully take assignment or service a loan, Bridgecrest must hold this licensure and be registered through NMLS, as well as through Kansas Office of the State Bank Commissioner. Bridgecrest has accessed my nonpublic personal information monthly to tarnish my reputation and coerce payment on an alleged debt that I do not owe nor was/is Bridgecrest properly licensed within my state to enforce any alleged rights within a Retail Installment Contract. Therefore, any relaying of information in conjunction with this allege retail installment contract is unlawful and void. If a lender takes assignment, it must file notification AND possess a supervised lender license as the Retail Installment Contract calls for a supervised loan bearing more than 12 % interest per annum. Bridgecrest has been requested to cease and desist all communication and delete this unlawful tradeline. Bridgecrest has not taken any of my requests seriously and continues to defame my character with its unlawful access to my credit file and furnishing libelous, derogatory information in which Bridgecrest has no authority. Bridgecrest has subsequently sold the unlawful contract to Persolve, who is also not licensed to collect or enforce supervised loans in Kansas. This is my last attempt to request the deletion of this improper and unlawful furnishing before litigating actions ensue. Please see the attachment from the OSBC Kansas Search Results invalidating any authority Bridgecrest alleges to have. A complaint with the OSBC has been filed also.

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