vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
Hi My complaint is against Wise ( formerly known as Transferwise ) Membership number XXXX Transaction Number : XXXX I have made my first transaction with Wise on XX/XX/2021 and the transaction failed. The payment was XXXX rupees ( XXXX $ ). they promised to refund it but right now its 38 days. 
Wise is not responding to my emails or any tweets. I need help to recover my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Names : XXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX, NM XXXX Date Updated XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NM XXXX Date Updated : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Updated : 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 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/2020 td bank charged a late fee to our account. We disputed the charge.. Paid the monthly payment except for the disputed amount.. On XX/XX/2020 td bank over turned the late fees.. But because i didnt pay the late fee, which is under dispute, they charged another late fee for the late fee they said i dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Called at XXXX got XXXX XXXX asked for SSN to verify, transferring me to XXXX XXXX XXXX XXXX XXXX in North Carolina XXXX I did not recognize this and let them know I never received written notification and would like to pay it if it wouldnt damage my credit. They told me that they could not delete it if I paid. I did stress I had not received written notification of this debt again and they did not comment on it. 

XX/XX/19 I called them again after speaking to XXXX XXXX who could not locate my account at all. Called them at XXXX got XXXX XXXX got transferred at XXXX to XXXX. On this call I was told it was for XXXX XXXX? I have never heard of them, nor visited this clinic. I dont even know of a XXXX doctor in my area. Asked to speak to a supervisor at XXXX. Got XXXX. He was incredibly rude even though he was made known no written notice was ever received. 

Ive been told this debt is from two different places on two different calls. I want written notice so I can validate or dispute this debt and the opportunity to pay it without damaging my credit once I am able to validate it, or the chance to dispute it as not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2021, I was charged {$750.00} through a virtual account number on my Citi credit card that I do not use or carry. There was a charge before this one that I filed fraud on through the app, and it was resolved the second charge for the XXXX I had to call in after the call was disconnected I used the message service in the Citi app and opened up what was supposed to be a fraud claim for the XXXX. Citi then connected a possible fraudulent vendor and received a response with no information related to me, the account holder. Citi reversed and stated I was responsible. I wrote a letter stating the information did not match and should have never allowed the charge in the first place. They then wrote another letter stating they still would not reverse the charge. Citi Bank will not give me any information on how this has happened and will not reverse the fraudulent charge. I would not recommend anyone to use Citi Bank credit cards due to this security concern and lack of resolution and customer service.

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 monetary relief
Consumer complaint received 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry 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 2022-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: WV

Complaint narrative:
we had gone into a forebarence plan with Caliber Loans. our loan is federal backed/FHA, and we kept asking if they would roll the amount to the end of the loan..they said yes but never really made it clear that it would actually be a sub loan and effect us being able to refinance the loan. we desperately need to lower our payment, but cant because they want us to pay XXXX off before we can refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX : XXXX XXXX XXXX  Date XXXX : XX/XX/XXXX XXXX  Date Updated : 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 2022-01-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX transunion has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TSC Accounts Receivable Solutions
State: PR

Complaint narrative:
TSC Accounts Receivable added a collections account to my credit reports on XX/XX/2021. I had perfect credit before this and paid all of my bills on time, so I was shocked that I was not contacted nor aware of any debt owed by the original creditor, XXXX XXXX XXXX. I was never contacted by TSC regarding the debt before it was published to all 3 credit bureaus, which is a violation under the Fair Debt Collection Practices Act. Had I been properly contacted and they provided proof that I owe this debt ( see below ), it would have been settled before they took extreme measures to ruin my credit. 

I sent a debt validation letter to TSC to try and verify the debt they are claiming I owe. It was certified mailed on XX/XX/2021 and received by them on XX/XX/2021. To this day ( well over 30 days past the Fair Debt Collection Practices Act deadline ), I have never received anything verifying that I owe this debt. 

According to the FTC, they are in violation of " Debt Parking, '' which is an illegal practice where collectors post debts to people 's credit reports without first trying to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary XXXX I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I disputed my debt with Medical Data Systems Inc through XXXX for an amount of a total of {$4900.00}. It was for one collection of {$560.00} and another for {$4300.00}. My dispute mentioned that I was not informed of this and because of COVID-19 I could not pay. I never received any information after this other than my dispute was true. On XX/XX/XXXX, I called Medical Data Systems Inc and spoke with a representative who also informed me of this debt. I informed her that I did not receive and bill and would need a copy of this bill. She told me to sign up through there website portal to see a bill. Prior to this, I asked her if she would mail me a copy of my bill and she declined saying that was not possible due to my dispute. I then told her I would need a physical copy of my bill to match it with my insurance information to verify and attempt to pay. She declined again informing me that she could not and I could just get the information from my insurance and verify what they did not pay. Being that in the past, I paid towards this same bill to another collection agency ( XXXX XXXX XXXX XXXX ) I wanted to see why this bill was not paid already and what the charges were. The company is still on my credit report causing me problems but can not produce a bill. After my collections was transferred from XXXX XXXX XXXX XXXX XXXX Medical Data Systems Inc. I did not receive a bill and could not verify what I am being charged for. A bill was claimed to be sent in the past but to a wrong address in which is confusing because that was not the address the other agency had on file. If I can not verify this debt I should not be required to pay this 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 explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
on XX/XX/2021 I request Validation of the debt they sent back a bill on XX/XX/2021 I sent a second Request they sent back the same bill how did Wakefield Associates validation the debt as mine because they called someone I asked for some type of evidence but they said in the letter I submit twice they called to validation Wakefield Associates has not validation the debt having my name or address is not proof my second letter I asked for original contract, date signed, was this debt assigned to a debt collector or purchased, amount paid if purchased ,1099 c if it was a write off or a charge off, I need your office Wakefield Associates to provide the proper documentation as request anyone could fraudulent this account with a phone call

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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 — Problem with personal statement of dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
In XXXX I received notice from credit monitoring that Citizens Bank reported me 30 days late for a direct deduction of loan payment from my personal account. I immediately called customer service, and explained that although the account in question ( XXXX XXXX XXXX ) did not have adequate funds, I had several others from which it could have been drawn, and would have expected a notice that there was a problem before being reported ; I was told to submit an inquiry to the credit department, and I would hear back in 30 days.I did, and never heard back. Most recently I send an inquiry to XXXX XXXX at Citizens, and have not heard from him either. 
I have been with the bank with no issues for over 20 years ; every other bank or loan co notifies me if there is an issue with a payment of any kind. Citizen bank did not notify me at all, and this could have easily been taken care of without damaging my credit without prior notice. I would ask that they remove the derogatory posting, for not following normal notification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied to Bank of America for a XXXX  loan of {$19000.00} and was given the loan. 
The requirement for forgiveness was that all the funds be used for employee payroll. 
100 % of the funds were used for payroll. 

When I applied for forgiveness Bank of America denied forgiveness and is requiring payment of almost the entire amount. 

If the forgive any amount over {$1.00} I can not appeal the decision with the XXXX. They are indicating a small forgiveness amount of {$2000.00}, thus I can not appeal. 

Can a Bank approve a loan, the funds used and then decide they want the money back in full?

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 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
This is my SECOND complaint about SYNCHRONY BANK. SYNCHRONY BANK continues to violate my rights as a federally protected consumer under 15 USC Chapter 41. I am a victim of identity theft and fraud. SYNCHRONY BANK has been harassing me and claims I owe a debt that is NOT mine to pay. I filed an FTC identity theft report and sent an Affidavit of Truth to SYNCHRONY BANK stating what violations they have violated with proof- sent on XX/XX/XXXX. ( attached ) It was sent via certified mail and I received the green return slip on XX/XX/XXXX letting me know it was in the hands of the XXXX of SYNCHRONY BANK. ( attached ) I had not heard from them, but noticed that the account was still open and with a different account number. With that, I filed my first CFPB complaint on XX/XX/XXXX. 

SYNCHRONY BANK finally responded XX/XX/XXXX. ( attached ) They declined signing my Affidavit of Truth and claimed that they " validated the debt because payments were made ''. Under the laws of Commerce, an un-rebutted Affidavit stands as Truth. Therefore, my Affidavit sent stands as Truth and they are liable to compensate me for the violations they committed against me. Moreover, their " evidence of " proof '' in attempt to validate the debt is in violation of 15 USC 1692h- which was a violation stated in the Affidavit of Truth sent to them.

They continue to perform identity theft acting as if they are the Original Creditor. This is incorrect pursuant to 15 USC 1602 ( g ). I am the Original Creditor and my social security number issued credit, not them. This also violates 15 USC 1692e ( 2 ) and 15 USC 1692e ( 7 ). 

As mentioned briefly above, SYNCHRONY BANK proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. This is a violation of 15 USC 1602p. My account number changed from ending in XXXX to ending in XXXX. ( attached ) Furthermore, I did not apply or sign for the card with this account number, therefore I am not to be legally held to the contract. 

SYNCHRONY BANK continues to harass me sending emails to pay a debt that I don't owe. ( attached ) violating 15 USC 1692j, 15 USC 1692b ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692 ( e ) ( 2 ) ( a ), 15 USC 1692e ( 4 ), 15 USC 1692e ( 5 ), and 15 USC 1692e ( 7 ) ( most already stated in the Affidavit of Truth they've already received. ). 

This is completely unlawful and abusive. I have provided all proof needed and have done all steps needed via the federal law and SYNCHRONY BANK is still breaking FEDERAL laws pursuant to the FDCPA.

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