vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Several times in the last 3 years I have communicated and spoken with representatives of the XXXX XXXX XXXX organization. I signed a contract with them to pay my debt to American Express for less than I owed. They continued to negotiate with American Express on behalf of me to settle a debt as American Express would not negotiate any less. I could only afford {$640.00} per month no matter what was negotiated. I am a XXXX XXXX XXXX XXXX  women with limited XXXX XXXX  and XXXX. During that time they allowed me to be summons to court. They found a local attorney to represent me. Unfortunately they also negotiated another agreement with XXXX XXXX  XXXX ( attorneys for American Express ) which I also signed. At the time I did not understand that this agreement would have me paying approximately {$10000.00} more than my original debt to American Express! I know ignorance is no excuse. I always told them my intention was always to pay my debt that was due. I thought they had my best interests while negotiating on my behalf. I was wrong. When I realized the mistake, I terminated my contract with XXXX XXXX XXXX and contacted XXXXXXXX XXXX XXXX  myself. They were reasonable and agreed to settle for 50 % of what I still owed. As a result of working with XXXX, I will still be paying approximately {$3000.00} more than my original debt to American Express, which was XXXX. I have no other debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

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 2023-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: KY

Complaint narrative:
I borrowed {$20000.00} in XXXX and that private loan is being serviced by AES. 
Now, in XXXX, after years of repayment, I have paid over {$20000.00} and still owe {$27000.00} - even though my original amount borrowed was {$20000.00}. 

Ive called multiple times asking to have my $ 420 monthly payment lowered, asked about options for any kind of loan relief, and every time, I am quickly and firmly told there is nothing they can do. My interest rate is over 12 %. 

This feels like Im being taken horrific advantage of, especially since I have already paid back the amount borrowed and still have MORE than the original amount borrowed left to pay. 

I need to help dealing with this company or I will wind up paying almost {$50000.00} for a {$20000.00} loan that I took out almost 20 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my right federally protected rights to privacy and confidentiality under U.S.C 1681. 
XXXX XXXX acct : # XXXX and XXXX  acct : # XXXX and XXXX acct XXXX # XXXX. 

15 U.S.C 1681 Section 602 A States i have 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 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I purchased a bed from XXXX - XXXX XXXX  on XX/XX/XXXX. XX/XX/XXXX there was a recall sent out that the beds are deemed unsafe for children and to dispose of the bed. I reached out to XXXX XXXX and the XXXX seller multiple times for a refund with no response. I then reached out to Wells fargo on XX/XX/XXXX requesting a dispute of charges and a refund. on XX/XX/XXXX I received a letter from wells fargo denying my claim, claim number XXXX with the response that the timeframe for requesting a refund had expired. This should be possible, as I had a friend in the exact same situation that retrieved their money back from XXXX XXXX. I would like my money back.

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 2023-09-05 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: GA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-09-05 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: GA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: TX

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
A recent loan application for One Main Financial was put through on my credit but there was error on their end and i contacted them and was told they would cancel the loan therefore under the fair credit act this should be removed from my credit report as a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I am under threat of foreclosure because my mortgage company Roundpoint Mortgage Servicing has my money but will not apply it to my mortgage account. Roundpoint is violating the California Residential Mortgage Lending Act, specifically regarding timely posing of payments received.

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 2023-09-05 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: NY

Complaint narrative:
Unauthorized accounts on my report that were not verified properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: NY

Complaint narrative:
Unauthorized accounts on my report that were not verified properly.

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 2023-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

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 2023-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
transunion/XXXX released my report without my written consent and violated my federally protected rights Navient is using my identity and saying I owe, this is fraudulent ; producing a contract without my signature is Fraud and very illegal.15 U.S. Code 1681b No permissible purpose ; no written consent as required by law 15 U.S. Code 1681 consumer reporting agency must take a vital role protecting my rights to privacy The bureau is not verifying the debt is actually mine ; who did they speak with as required by law when acquiring my location ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted. 
They are not protecting consumers rights Not only that XXXX is harassing me and calling my all time/hours ; oppressing me reporting false late payments 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

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 2023-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
I have disputed the ownership of debt that Source Receivables Management is claiming that I owe however as of to date they have failed to provide actual proof that this debt belongs to me. Per 15 USC 1692g. Validation of debts I requested an original signed application with my signature and copy of my identification used to open said account. They are not able to provide his documentation and as such is trying to collect on a debt that they can not verify belongs to me. Failure to provide such information upon request is in direct violation of the FDCPA and entitles me to damages of up to {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted a dispute letter to the Credit Bureaus on these following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These items on my report have been over looked on many occasions. XXXX, Equifax, XXXX have all ignored my complaints. Im sending another round of letters as of today XX/XX/XXXX regarding the items on my report Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Creditor : XXXX XXXX XXXX, Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted a dispute letter to the Credit Bureaus on these following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX. These items on my report have been over looked on many occasions. XXXX, XXXX, TransUnion have all ignored my complaints. Im sending another round of letters as of today XX/XX/XXXXXXXX  regarding the items on my report Creditor : XXXX XXXX , Account : XXXX Creditor : XXXX XXXXXXXX XXXX XXXX , Account : XXXX Creditor : XXXX XXXX XXXXXXXX, Account : 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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted a dispute letter to the Credit Bureaus on these following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX. These items on my report have been over looked on many occasions. Experian, XXXX, XXXX have all ignored my complaints. Im sending another round of letters as of today XX/XX/XXXX regarding the items on my report Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXXXXXX XXXX XXXX  , Account : XXXX Creditor : XXXX XXXX XXXXXXXX, Account : 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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I was a victim of identity theft and I want the Inquiry removed from my credit report with XXXX ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Discovered fraudulent transactions on my account in which someone hacked into my XXXX. They then used my account to siphon funds from my account. Upon discovery of this I notified Bank of America, provided a letter from XXXX whom also confirmed this was fraud. I provided Bank of America with a case # for XXXX as well as a letter indicating it was fraud. Even after providing compelling evidence, Bank of America continues to refuse to honor their XXXX $ fraud protection. I have also spoke with the payment processor company XXXX who also confirms fraud, sent me a letter as well and indicated Bank of America absolutely has the authority to recover my funds and refuses to do so.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Delete Addresses ; XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX , OK XXXX The addresses stated in the above reference must be deleted from my credit file as it is inaccurate regardless of what any creditor is reporting. Im aware Experian has some illiterate policy in place of disregarding address removal if associated with an account which strictly goes against the Fair Credit Report ACT. 
A consumer has the RIGHT TO DISPUTE under FCRA regardless. Credit Reporting Agencies must furnish complete accurate information under the oath of federal law. 
Experian you have violated my right as an consumer if these addresses are not remove from credit file. I provided proof of residency, Driver License, Utility & Statement. If not, remove it willful noncompliance of furnishing inaccurate information. 
Violation 15 U.S. Code 1681n civil liability & willful noncompliance

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