vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This is a business loan. I was told to make a payment of {$720.00} which will bring the account back to current otherwise itll be reported to my personal credit. I made the payment and they still reported it on XXXX. Why did they collect the money when they knew theyll report it. Kindly ask them to listen to the recorded conversation as regards it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX breach. I want these items deleted from my credit reports effective immediately Im attaching proof that XXXX has immediately that I was, in fact of victim of his date of breach, and XXXX has done nothing, please help me delete these illegal accounts off my credit reports. ( list all those negative accounts from your XXXX credit report account names and account numbers )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have deposited XXXX checks via mobile app several times in the past. These checks are reimbursement from my employer, who is a XXXX XXXX company. The money was always in my account by end of day. NOW! Chime is advising that the money is on hold because they want to make sure the check doesnt bounce. Are you kidding me ( when I asked them to cancel the transaction, they decline my demand and say the check has been processed. Something is very off about this process and after readying the complaints about chime keeping peoples money, Im very skeptical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX Experian Dispute Department po box XXXX XXXX, Texas XXXX Sworn Statement of Dispute XX/XX/XXXX RE : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It May Concern : On XX/XX/XXXX, it was received by Experian via USPS tracking XXXX XXXX I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this XX/XX/XXXX, you have failed to respond to my request. A copy of my original letter from the CFPB website is attached for your review. The FCRA 15 USCode Section 1681i ( a ) ( 1 ) ( a ) stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you delete and remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. If you have any questions or need additional information, please contact me at the address noted below. 
Account Number- XXXX Open XX/XX/XXXX Amount- {$1200.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Amount- {$17000.00} XXXX Account Number- XXXX Open- XX/XX/XXXX Amount- {$3900.00} XXXX Account Number- XXXX Open- XX/XX/XXXX Amount- {$2800.00} XXXX XXXX Account Number- XXXX Open- XX/XX/XXXX Amount- {$290000.00} XXXX XXXX Account Number- XXXX Open- XX/XX/XXXX Amount- {$15000.00} XXXX Account Number- XXXX Open- XX/XX/XXXX Amount- {$340.00} XXXX  XXXX Account Number- XXXX Open XX/XX/XXXX Amount- {$61000.00} XXXX XXXX XXXX XXXX Account Number- XXXX Open- XX/XX/XXXX Amount- {$19000.00} XXXX XXXX  Account Number- XXXX Open- XX/XX/XXXX Amount- {$12000.00} Late Payments XXXX XXXX Account Number- XXXX Open XX/XX/XXXX Amount- {$1100.00} XXXX XXXX Bank Account Number- XXXX Open XX/XX/XXXX Amount- {$12000.00}

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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I don't have account informations, they will not provide me with them. XXXX back refused to provide me with proof of payments. I was trying to get a mortgage at this time and payoff bad debt, they told me they had a order that said they couldn't send me any information, do they refused to send me any records of my payments. My mortgage fell through due to this. 45 days later everything was removed from my credit report then 1 and 1/2 later XXXX of XXXX bank debts came back on my report that I already paid. They sued me for XXXX, so I was forced to pay it again, I have repeatedly yold them I don't owe them it. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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

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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To be clear, in no way have I initiated or authorized these accounts. Without my knowledge or agreement, these accounts were opened fraudulently. In order to resolve this matter, I have taken the required actions to notify the appropriate authorities of the alleged identity theft, including submitting a report to the Federal Trade Commission and the [ Name of Local Law Enforcement Agency ]. For your information, I've also included a copy of the Identity Theft Report that was submitted to the FTC. 

Since these accounts are not the result of any transactions or credit applications I have made, I respectfully ask that you look into the authenticity of these accounts and take the necessary steps to have them removed from my credit report. 

XX/XX/XXXX I humbly request that you acknowledge your commitment to looking into these accounts and send me a thorough written response as soon as you can. Please remember to include the following in your response Verification that you've started looking into these accounts copies of all supporting documentation and material pertaining to these accounts, including the application a signed declaration attesting to the fact that these accounts will be deleted from my credit record after your investigation is finished. 
I recognize that this is a significant issue, and I implore you to take immediate action to make things right. I may have to take additional legal action to defend my rights and creditworthiness if I don't participate in getting this situation resolved.

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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To be clear, in no way have I initiated or authorized these accounts. Without my knowledge or agreement, these accounts were opened fraudulently. In order to resolve this matter, I have taken the required actions to notify the appropriate authorities of the alleged identity theft, including submitting a report to the Federal Trade Commission and the [ Name of Local Law Enforcement Agency ]. For your information, I've also included a copy of the Identity Theft Report that was submitted to the FTC.

Since these accounts are not the result of any transactions or credit applications I have made, I respectfully ask that you look into the authenticity of these accounts and take the necessary steps to have them removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I humbly request that you acknowledge your commitment to looking into these accounts and send me a thorough written response as soon as you can. Please remember to include the following in your response XXXXerification that you've started looking into these accounts copies of all supporting documentation and material pertaining to these accounts, including the application a signed declaration attesting to the fact that these accounts will be deleted from my credit record after your investigation is finished.

I recognize that this is a significant issue, and I implore you to take immediate action to make things right. I may have to take additional legal action to defend my rights and creditworthiness if I don't participate in getting this situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Merchants Credit Guide was asked to verify a medical collection listed on my credit report. I was expecting a bill to be mailed to me or confirmation to come directly from the hospital they had listed XXXX XXXX. Instead Merchants Credit Guide sent me a medical bill showing personal health information as well as a copy of my insurance card. I feel so violated that a debt collector can get my PHI without my consent considering my own kids wouldnt be able to without my consent. According to 15 U.S. Code 1681a ( i ) ( 2 ) - Medical information about the consumer can not be furnished. Is this company above the law or are my consumer rights revoked? 15 USC 1681 section 602 states I have a right to privacy.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
MB FIN SVCS XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: IN

Complaint narrative:
I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. Accounts XXXX XXXX XXXX XXXX XXXX XXXX. Also In accordance with the Fair Credit Reporting act XXXX Account ( XXXX/Transunion/XXXXXXXX ) 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.

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 2023-11-28 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. Accounts XXXX XXXX XXXX XXXX XXXX XXXX. Also In accordance with the Fair Credit Reporting act XXXX Account ( XXXXEquifax ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. Accounts XXXX XXXX XXXX XXXX XXXX XXXX. Also In accordance with the Fair Credit Reporting act XXXX Account ( Experian/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.

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 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I signed up to repay my loans on https : //myaccount.edfinancial.com/AccountSummary and linked my bank account, setup auto pay and paid off XXXX my loans in full. 

Unfortunately all of my loans keep getting refunded and I have contacted my bank and they said they never received any payment requests. So the loan provider not only did not accept my payments and they keep reversing the payment but XXXX claims that the provider never even sent a request despite having the correct routing number and account number. 

I have called both parties and need assistance with this as now I have missed payments on my credit history. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
In early XXXX, it came to my attention that my mortgage lender, CMG Financial, had paid my property taxes for XXXX and XXXX to the wrong property. I only learned of this because the XXXX of XXXX XXXX informed me they were close to moving forward with foreclosure due to non-payment of taxes. I had seen that the taxes were " paid '' from my escrow account, but the lender paid them to the wrong unit. I confirmed that they got paid to unit XXXX in the same condo complex. My unit is number XXXX. 

While this does occasionally happen, the amount of time and effort it took to correct this was excessive. In the end, CMG paid the taxes, but the base amount had been increased by the XXXX of XXXX XXXX due to the late payments, and penalty and interest was also added. 

The original base amount for XXXX years of taxes was {$7200.00}. When the taxes were finally paid, the base amount had been increased to {$7800.00}, and additional penalty and interest was added to total {$8300.00}. CMG Financial paid me back for the original ( lower ) base amount of {$7200.00}, but did NOT pay me back for the difference of {$600.00}, which was deducted from my escrow account to pay toward the larger amount assessed by the XXXX of XXXX XXXX. 

I spoke with a representative of the XXXX XXXX XXXX XXXX Treasury, and he stated the original base amount was {$7200.00} and would have been paid in full for that amount if it had been sent to the correct property on time. They are going to email me the original bills totaling {$7200.00}. The larger amount was a result of the delinquent payment, which was CMG Financial 's fault since they paid my escrow funds to the wrong property. 

I can tell you that it is essentially impossible to reach anyone in customer service on the phone. I've spent HOURS on the phone on more than XXXX occasion, pressing " XXXX '' every XXXX minute to verify I want to continue holding. I've left multiple voicemails with customer service. I've also selected the option to " keep my place in line '' and get a call back several times, but I've never once had the call returned. 

I've sent multiple requests through the customer service portal for a call so that this could be easier explained, but I get a message through the portal stating they gave me the refund, and no further funds are due to me. I disagree. CMG Financial owes me {$600.00} due to using my escrow funds to pay the additional fees for their delinquent payment. 

I am not sure how to prevent this tax error from happening again in XXXX, but the unit has a unique legal description like all properties, so any confusion about the address should be a non-issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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

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