vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I have sent debt validation letters to the following companies : Amsher Compassionate Collections ( XX/XX/2021 ), XXXX XXXX XXXX, LLC ( XX/XX/2021 ), XXXX XXXX XXXX XXXX XX/XX/2021 ), and XXXX XXXX XXXX ( XX/XX/2021 ). 

AmSher : Has not provided proper validation of the debt owing to me XXXX : has not responded XXXX : has not responded Merchants : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XX/XX/XXXX PayPal limited my account with XXXX in the account the limitation end date was a 180 days which was up XX/XX/XXXX of XXXX I have yet to receive any email to withdrawal funds and was told a ticket has been submitted which was 3weeks ago and funds are still being help PayPal agreement states after 180 days funds will be released yet my funds are still being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX CARD - XX/XX/2020 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: MS

Complaint narrative:
I've made several attempts over the past year to have my consumer report corrected by Experian. The most recent attempt was made on XXXX XXXX and the inaccuracies are still being reported on my consumer report. This is unlawful and Experian has continuously ignored my requests to correct these inaccuracies. 

The following accounts have been reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 

Therefore, it is unlawful to report anything to my consumer report without my 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 2021-06-23 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 have two medical collection accounts on my credit report that are showing the exact same amount from the exact same collections company. The accounts were opened on two different dates and has been disputed as a duplicate. The reporter and credit bureaus keep responding with verified sometimes in less than 24 hours. This should be one item on the report. 

Credit Bureaus : Experian Collection Company : XXXX XXXX XXXX Balance : {$1200.00} Dispute Dates : XX/XX/20 XX/XX/20

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 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I noticed on my credit report the company name XXXX XXXX XXXX XXXX/XXXX is reporting false information on my credit report. I never had an collection account with this company. They reporting an collection account on my credit report and causing me to have an negative account on my credit report. I sent proper documentation showing that it was a inaccurate account and I file a dispute with the credit bureau and they havent removed this false account off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: FL

Complaint narrative:
XXXX XXXX XXXX incorrectly reported a XX/XX/2021 30 day late to my credit report. XXXX XXXX XXXX XXXX responded that it was XX/XX/2021 and I have attached the statement. Now Equifax needs investigate the erroneous statement. Equifax is not to verify if the account belongs to me! Not verify my name, address etc!!! Equifax needs to follow the federal law to report accurate information. My report says XX/XX/2021 30 days late and XXXX XXXX XXXX XXXX told consumer finance XX/XX/2021! Erroneous reporting is illegal! Give XXXXXXXX XXXX the 30 days the law says to rectify. The law doesnt say verify address as a solution to my complaint.!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: U.S. BANCORP
State: CA

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had received a called from Chase Credit Card department regarding my two credit cards, that my payment was due back in XX/XX/2020. The employee took my payment over the phone and she told me that she will enroll me in auto pay. 

In XX/XX/2020 I get another phone call, and my wife assisted me with the call, she told them that I had been in enrolled in auto pay and why they were calling to collect the payment. When the employee check, she said that he was not enrolled in auto payment and she took the payment over the phone and she also offer to enroll him in auto pay. 

My wife told him that we will do it ourselves instead and we did. I called Chase XX/XX/2020 and requested for the late payment to be removed from my remove from my credit bureau. They transferred to 3 different persons and they wouldn't help me. I'm reaching out to you since they are not willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TN

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I have been getting charged late penalty fees for my tax payments since I have owned my home since XX/XX/XXXX. To be clear, these are regular tax Bill 's. I have an FHA loan which requires me to have an escrow account pay for taxes on my behalf so I have no control over when payments are being made. I refinanced in XX/XX/XXXX in hopes that this would help solve this issue, and clearly mentioned to the New American Funding loan officer to ensure that my tax payments get sent out and confirmed by the deadline each year. 

I have emails dating as far back as XXXX which states the ongoing status of my complaint about these penalties on my account with New American Funding, and it has been almost a year now and my case is still outgoing. The representative I am speaking to said that they are at the mercy of XXXX XXXX County, and can not do anything further until they are contacted back. Escalations have apparently happened, but clearly there isn't enough action in place to get things settled in a reasonable time frame. 

So far, I have received the following : I have been getting threatening delinquent letters from the county saying that my house will default if payment is not received. 

I have also been getting charged even more late penalty charges since, which keep getting tacked on to my yearly tax payments. 

I have gotten a letter from as New American Funding saying that they are increasing my impound account because there wasn't enough money in there to cover tax payments. Mind you that the increase in taxes were also contributed to these ongoing late penalty taxes. 

Most recently as of today, XX/XX/XXXX, I now received a threatening letter from New American Funding stating that my official taxes are delinquent and if they pay for it, then my mortgage payments will increase even more as a result of them paying, EVEN THOUGH, I have an ongoing open case with them about this matter. This delinquency is a direct result of this ongoing issue with escrow not paying on time or working with XXXX county to accept payment on my behalf. 

I have lost thousands of dollars over the past 3 years of owning this house due to the incompetence of New American Funding and XXXX XXXX County 's inability to solve this ongoing issue. I know I am not the only one going through this issue either as mentioned on a call with one of the representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Submitting a complaint regarding post covid modification request. 
I called Wells Fargo on XX/XX/12 to advise I'm ready to begin making payments again. I advised I could make payments at a reduced amount and I was requesting a XXXX flex mod. 
I was given a deferral instead. 
Through an escalation process via their " executive dept '' they unwound the deferral and left my account in a DQ status without any assistance. Over a month later I'm still attempting the receive the XXXX flex mod. 
Per XXXX  lender letter XXXX reduced eligibility criteria. I should be eligible and no documents should be needed.

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 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2021 a checking account was opened in my name with TD Bank. I had recieved checks in the mail of which made me aware of this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
The debt in collecting which is being disputed is a medical bill from a car accident which happened in XX/XX/2018. On the date of the accident, the emergency service arrived, they inquired if any of the participants of the accident would like to be medically examined. Everyone including myself declined the examination because I had no severe injuries and. Because the police had not yet arrived, they presumed to gather the details of the accident as well as our personal information. Due to my relocating of residences during the time, I never received any information of the debt and therefore was unaware of the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Closed my checking and savings around XX/XX/XXXX, they said they would send my final check from closing the accounts within 7-10 days, I have contacted capital one multiple times and get the run around about the check was returned, invalid address, but I get my statement from them at the address listed? We will XXXX  it to you, and nothing. Now they are saying I need to wait to see if someone else cashed it? Another lie! If not then I need to wait 7-10 more days for my money! I am beyond livid!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
On XX/XX/2021 I pulled my credit and noticed a debt owed to Monterey Financial Services, with a high credit of {$5200.00} and a current balance of {$9200.00}, for original creditor XXXX XXXX. On XX/XX/2021 I mailed Monterey Financial Services a debt validation letter, the letter was not a refusal to pay, however, I requested all documents related to the debt, including all documents pertaining to my balance and any related fees. On XX/XX/2021, I received a response letter in which Monterey Financial Services did not provide the documentation I requested, instead, they provided me with a letter stating my account is past due and a copy of my original contract from XXXX XXXX. 

Being that the documents I received did not explain why there is a difference of {$3900.00} between the high credit and the current balance, I called Monterey Financial on XX/XX/2021 and spoke to a XXXX XXXX at exXXXX. XXXX. XXXX explained the difference in balance amounts is due to interest, in the amount of 2.74 %, which is being charged daily, and annually at 18.99 %. XXXX stated per my original contract with XXXX XXXX, interest will accrue daily, therefore Monterey Financial Services is allowed to charge daily interest, which has caused my balance to increase to the current amount due. 

Upon forwarding my original contract with XXXX XXXX to my attorney for review, it has been determined my contract does not state I would be charged daily interest in the amount of 2.74 % or annually at 18.99 %. In addition to charging unauthorized and excessive interest to my account, Monterey Financial Services failed to disclose any interest and fees they have assessed toward my debt per my debt validation request. 

Monterey Financial Services has violated the FDCPA by not disclosing the amount of interest they have assed to my account, as well as, charging interest that is not disclosed in my original contract with XXXX XXXX. I have attached a copy of my original contract from XXXX XXXX as well as all documents I have received from Monterey Financial Services for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a tax ID holder, and I do have credit established here in the US, 1. Experian : I am paying for credit monitoring and I have no problem accessing my information from my computer or mobile. When accessing the 3 credit bureaus from XXXX, ( which I am paying for ), I have no access to Transunion or XXXX. I called in XXXX  and they said I have to actually call the companies themselves and file a case which I did, I opened cases two different times with both companies, Transunion and XXXX  about 2 months ago from the 1st complaint and about one month ago for the second complaint, and they promise a response to my email which never happened. 

2.Transunion : I used to have my credit report online updated only once every year ( I was paying XXXX every month to have my credit available anytime I needed it ), I was upset with this and called them to refund my money, which they did, but they removed my access online to the Transunion credit report. I called in about a month ago to have it back, no response. 

3. XXXX  : I have online access to the free report every month, called my XXXX, but I need it available 24/7 because I'm planning to fix my credit ( I need to know what my credit report is so I can actually go ahead and pay my debts ) ; I tried to upgrade my account to the paid service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing you. 

4. XXXX XXXX : They gave me a very bad rate considering was the only company will approve me because I am a Tax ID Holder even though my credit was very good at that time. I think this is discrimination.

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 2021-06-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a tax ID holder, and I do have credit established here in the US, 1. XXXX  : I am paying for credit monitoring and I have no problem accessing my information from my computer or mobile. When accessing the 3 credit bureaus from XXXX, ( which I am paying for ), I have no access to XXXX  or Equifax. I called in XXXX  and they said I have to actually call the companies themselves and file a case which I did, I opened cases two different times with both companies, XXXX  and Equifax about 2 months ago from the 1st complaint and about one month ago for the second complaint, and they promise a response to my email which never happened. 

2.XXXX  : I used to have my credit report online updated only once every year ( I was paying XXXX every month to have my credit available anytime I needed it ), I was upset with this and called them to refund my money, which they did, but they removed my access online to the Transunion credit report. I called in about a month ago to have it back, no response. 

3. Equifax : I have online access to the free report every month, called my Equifax, but I need it available 24/7 because I'm planning to fix my credit ( I need to know what my credit report is so I can actually go ahead and pay my debts ) ; I tried to upgrade my account to the paid service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing you. 

4. XXXX XXXX : They gave me a very bad rate considering was the only company will approve me because I am a Tax ID Holder even though my credit was very good at that time. I think this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
filed ftc report for unauthorized inquiries and for them to delete addresses that are not connected to me.

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
filed ftc report for unauthorized inquiries and for them to delete addresses that are not connected to me.

Company response to consumer: Closed with explanation