vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc.
State: TX

Complaint narrative:
I received services from a XXXX XXXX in XX/XX/XXXX. We reached an agreement on XX/XX/XXXX to pay {$950.00} to satisfy the debt. XX/XX/XXXX the debt was paid. In XX/XX/XXXX, I received a collection notice from First Collection Services saying I owed the debt. I reached back out to the company on XX/XX/XXXX, XXXX billing, and confirmed with the company the debt had been settled and the balance is {$0.00}. They sent me a receipt/invoice showing the debt had been paid and that the collection agency would be notified. I spoke with First Collection Service. I had called and spoke with the company several times regarding the debt being paid, who i spoke with, and that the original debtor would be reaching out. I was told by XXXX that it did not matter what the receipt said that the debt was still owed and she would send me the invoices. XX/XX/XXXX they mailed to me letters stating the debt was owed even though I sent them all the information and the original debtor stated they would reach out to their agency. I have this information in emails if needed. I am asking for assistance on helping resolve this issue or guidance or communication from the collection agency as to why I have presented receipts showing the debt is paid, gave them the information of who I spoke with, and that the agency would reach out to them. The collection agency is First Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Again, I am happy to provide all correspondence I have in emails with the collection agency and the original debtor including the notification the debt was paid in XXXX of XXXX. Note that is XXXX XXXX XXXX XXXX almost a year ago. I have also reached back out to the original creditor again for assistance. Let me know if you need all the correspondence from emails, receipts showing paid, an itemized statement from the original debtor showing the account paid and the correspondence from the collection agency continuing to state the debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
MIDLAND CREDIT MANAGEMENT has furnished two accounts on my credit report without disclosure, notice, and above all, without expressed written permission from me. All of these are violations of the Fair Credit Reporting Act. 

This alleged debt is not mine. 
I dispute the validity and existence of said debts in amount of {$1000.00} and {$4200.00}. 
I refuse to pay a debt I do not own or owe. 

I have no knowledge of MIDLAND CREDIT MANAGEMENT. MIDLAND CREDIT MANAGEMENT has furnished deceptive forms and information regarding me to others which is, including but not limited to, Identity Theft, Fraud, Violation of Privacy, all are crimes punishable by civil and/or criminal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is I am filing a complaint on my own behalf I am not a party or an attorney. I have a few accounts that are showing me at XXXX days late and at the time my income was affected by the XXXX shutdown. I am aware that the CARESACTwas allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX # XXXX dates XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX LATE # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is I am filing a complaint on my own behalf I am not a party or an attorney. I have a few accounts that are showing me at XXXX days late and at the time my income was affected by the XXXX shutdown. I am aware that the XXXXwas allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXXXXXXXXXX XXXX  XXXX # XXXX dates XXXX, XXXX, XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX LATE # XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.

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 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I was the victim of a bait-and-switch cash back offer from Chase. They offered 20 % cash back on a purchase at a specific store with very clear terms. My purchase met all of their terms, but they have repeatedly refused to credit my account accordingly. The reason that they cite is that the charge didn't post until after the offer expired, but their FAQ page explicitly states that it's based on the transaction date not the charge posting date. 

Please see the attached document for a detailed timeline with supporting evidence. Also, please note that this is neither an isolated case nor an honest clerical error. Chase has repeatedly been made aware of the issue including through prior CFPB complaints yet they continue to bait-and-switch their customers with these shady " Chase offers '' on a regular basis. 

There are also many posts on XXXX from users who experienced the exact same bait-and-switch scam from Chase. 

Sure, it's a small amount of money, but the biggest bank in the country shouldn't be allowed to scam its customers with impunity regardless of the dollar value.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management. I called the number and XXXX answered phone. I told his company to send me a confirmation of debt. This needs to be wet signatures of all the items they claim I charged. They sent me a bill statement which is not a confirmation of debt. XXXX claims this account was verified by his company. Then I said it was confirmed by who, where, how and by who. Was it confirmed by a lawyer etc. I need the name address and phone number of person. Then I asked if he was based in the United States and he said he was from XXXX. I am verifying he is a independent person who does not understand the rules of United States. This debt is not mine. If all debts are written off for tax purposes and the debt collector buys the debt isnt this double billing?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ,  FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX , XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXX Balance : {$4100.00}, CHILD SUPPORT ENFORCEM XXXX Balance : {$6600.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX XX/XX/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 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Made payment on XX/XX/XXXX, credit card says was declined by the bank. When I became aware a few days later, I contacted the credit card agency but told they will present for payment twice, first XX/XX/XXXX. I asked to cancel payment and redo a fresh payment as I did not want to wait till XX/XX/XXXX. Told I could not cancel my own payment. 

Payment was presented again on XX/XX/XXXX and was deducted from my bank checking. 

To date the credit card website continues to list XX/XX/XXXX as my payment being returned, no update to say payment processed on XX/XX/XXXX. The credit card agents and a supervisor XXXX, id XXXX in Massachusetts all say as of XX/XX/XXXX that payment was made on XX/XX/XXXX. The agents do not know why website are not listing the payment and why the reversal of the returned fee has not been removed. 

XXXX continues to say my bank has to confirm the payment and that I have to wait. I find his lack of ability to correct this situation unprofessional, XXXX is not taking ownership of the problem. The payment processed since XX/XX/XXXX and over XXXX or more business days has elapsed and he can not or will not try to resolve the issue. XXXX says I must contact my bank as a credit card agent listens into the conversation as I verify my identity to my bank with my pin or other data so they can confirm my bank made payment. I told XXXX I am not comfortable with that. So as of XXXX he offers no other solution nor a time frame when the payment will be shown correctly on the credit card website. 

Worse XXXX has now blocked my ability to speak to any other supervisor, I called XXXX times, asked last two times for another supervisor but instead all the agent route me to him even if it means putting me on hold for long time frame as he takes his time to get on the phone. 

The hold times to get to a supervisor in this case XXXX is in excess of XXXX or more minutes and each time they agents never check back to say they still waiting. 

At this point I am not even certain XXXX is even a supervisor. He lied saying that an agent told him I was representing XXXX as though as I was not XXXX. I said that was a lie that I never told any agents that and then he said he made mistake. XXXX said that all conversations are taped, so if the company listens they will know he lied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XXXX at around XXXX  I attempted to use an ATM but the ATMS ar four different locations were out of order. I ran into customers who also could not access funds. Sometimes the ATM said my card was invalid, other times it said out of order. I attemped to use my card at the grocery store and it was denied. I was not able to buy dinner with my credit card either. 
I called US Bank and they insisted there was no outage and nothing they could do. I see on XXXX there was huge outage starting on XX/XX/XXXX but US Bank won't acknowledge it is ongoing or tell us when it will be fixed. I have not been able to access my account for several days now. I'm concerned my autopayments and rent won't be processed either.

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 2023-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX & Account # XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 AXXXX Cloarly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2023 I filed a dispute against XXXX XXXX  XXXX  for not properly fixing breaks on my car with Capital One whom I have a checking account with. Capital one never responded to this dispute with a provisional credit or the outcome of the claim. On XXXX XXXX Capital One went inside of my account and debited XXXX. I called capital one on XX/XX/2023 at XXXX because I was confused as to why money was taken when a provisional credit was never given and they pretty much paid XXXX {$650.00} for messing up my brakes in which I had already paid them {$320.00} for the brakes in which I was already disputing. Capital one illegally took funds from my account and when speaking with a representative, they acknowledged that it was not a provisional credit given and they arent sure why the money was taking. The representative said that they would reach out to their back office as it was nothing more they could do. Capital one made an error and took money that I needed and are making me wait to receive it back. This is illegal and not a minor error and I need my money back asap because I have bills and its impossible for you take make an error this bad. Capital one needs to be help financially liable for this mistake

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXXXXXX, 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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