vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
This occurred on Friday XX/XX/2022. Finance Systems of Toledo has contacted me about medical debt owed to a dentist. On more than one occasion, I told the debt collector ( XXXX XXXX ) that the amount owed is incorrect as I have already paid for the service but XXXX was still insisting I pay the entire amount he was billing me for, which included the amount I already paid. I have yet to receive an updated bill reflecting what I've already paid. Previously, I had asked XXXX what the amount of time I have before this is reported to the credit bureau and XXXX said he didn't know. I asked for a validation of the debt I owed and I was mailed information from the dentist that included protected health information which was sent in XXXX, prior to my knowledge of the debt collection. I contacted XXXX to let him know that this information is a HIPAA violation and my rights were violated when the agency obtained this information. XXXX said that that wasn't true and I must not want to pay my debt, which is the second time he has said that. I reiterated that the amount I'm being told to pay is incorrect and asked to speak with his supervisor. 

When I spoke with his supervisor, I relayed that my rights were violated by my private health information being given to an entity I did not give consent for my information to be disclosed to. His supervisor said if I didn't want my information being given out, I should just pay my bill on time ( a bill I've already paid ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Bankruptcy account has been removed from XXXX. which means it should be remove from XXXX and experian now. I demand that you remove these public record from my credit file. It is a violation of my right to privacy Pursuant to 15 USC 1681a ( 4 ) and 15 USC 1681b of the Fair Credit Reporting Act. Ive attached the updated credit report which shows the public record removed from 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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried twice with letters to have Experian remove fraudulent names and addresses from my credit report. My legal name is XXXX XXXX XXXX, my legal address is XXXX XXXX XXXX XXXX XXXX CA XXXX, my SSN card identifies me as such. The names and addresses still on my report do not belong to me, I can not receive mail at any other address and the names listed other than my legal name could be fraudulent. It is my right under the FCRA to have correct information so my score is not impacted adversely.

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 2022-08-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the Federal Trade Commissions affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Bankruptcy account has been removed from XXXX. which means it should be remove from transunion and experian now. I demand that you remove these public record from my credit file. It is a violation of my right to privacy Pursuant to 15 USC 1681a ( 4 ) and 15 USC 1681b of the Fair Credit Reporting Act. Ive attached the updated credit report which shows the public record removed from 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 2022-08-25 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: Credit Control, LLC
State: PA

Complaint narrative:
I cancelled my XXXX XXXX  account in XXXX when I moved to a new residence. XXXX reopened my XXXX  account without my consent after the move and incurred unauthorized charges. I tried to work this out with XXXX through XXXX but they were extremely rude and unreasonable. They eventually sent the account to a collection agency, Credit Control , LLC ; www.credit-control.com. Therefore, I reached out to Credit Control and we worked together on XX/XX/XXXX on a pay for delete agreement to remove the unauthorized account from my credit reports. The pay for delete agreement was : I paid the {$120.00} USD to Credit Control on behalf of the fraudulent XXXX account, in exchange for the account being removed from my credit report on all three major credit bureaus. I paid the agreed upon amount amount on XX/XX/XXXX. However, Credit Control has not held up their end of the pay for delete agreement. They collected the money, marked the account balance as XXXX balance but did not delete it from my reports. The agreement was a Pay For Delete and they are not holding up their end of the deal. I contacted Credit Control on XX/XX/XXXX in regards to their neglect to hold up their end of the agreement. They never responded to the email correspondence. I have emailed them again today, XX/XX/XXXX in hopes to reach them to remedy this issue. I am filing this complaint because they are not holding up their side of the pay for delete agreement. How can you trust a debt collecting company if they take your money, then do not hold up their side of the agreement?!

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently tried to apply for a business loan and was rejected because Experian, XXXX and XXXX do not have up to date credit reports on my credit file. The last documented credit reports are as follows .... 

Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have made several attempts to contact Experian and never get through to anyone. I have sent them a message and finally received response today and they are pretty much saying the issue is on my end. Which is inaccurate. Even the creditors are seeing the same thing. 

XXXX is stating they can see a recent credit history but won't give details. Even when I login to their site, it says they can not help me and that I need to call the 800 number to speak with a representative.

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 2022-08-25 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
SYNCHRONY XXXX MASTER CARD ACCOUNT. 

My wife and I have thousands of dollars of apple charges over several of my synchrony credit cards. 

We found these charges in XXXX and submitted a dispute. Only the charges were reversed. Synchrony keeps the other half of the fraudulent charges on my account. 

But in XXXX of XXXX, we found that XXXX and synchrony had continued to allow these fraudulent charges to continue. 

We contacted XXXX and were dismissed, telling us that I authorized the charges. Refuses to look into the charges. XXXX locks my account up and refuses to work with us. XXXX doesn't want to give back the profits they had made on these fraudulent charges. 

We contact Synchrony for help. And we were able to dispute over XXXX worth of fraudlent charges. And this amount is for the charges over XXXX, and we hadn't had the chance to fight the hundreds of the smaller amounts. 

At first, Synchrony 's premier mastercard was friendly and submitted all the disputes. They canceled the credit card and told us that we would receive letters in the mail from the fraud departments. These letters would give us contact information to send in any paperwork and phone numbers. 
The only letter we got was our new credit cards. 

It's been over thirty days, and we haven't heard or received any letters from Synchrony. No calls, no emails, just silence. 

We disputed on XX/XX/XXXX, and On XX/XX/XXXX, we started to see that they were adding the charges back on LIKE they were balance transfers. They added these charges as balance transfers without telling us why or what XXXX said. 

I have provided a snip of the charges being added back. What I see is that synchrony is adding them back as BALANCE TRANSFERS. I'M NOT PAYING THESE FRAUDULENT CHARGES, AND I'M NOT PAYING BALANCE TRANSFER FEES. 

This is crazy ; we didn't authorize these charges. And XXXX is refusing to do any investigation, and now Synchrony is refusing to help us. What do I need to do? I'm waiting to hear from Synchrony, but they refuse to respond to us. I want to work with Synchrony, but Synchrony is refusing to work with us.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Bankruptcy account has been removed from XXXX. which means it should be remove from transunion and XXXX  now. I demand that you remove these public record from my credit file. It is a violation of my right to privacy Pursuant to 15 USC 1681a ( 4 ) and 15 USC 1681b of the Fair Credit Reporting Act. Ive attached the updated credit report which shows the public record removed from 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 2022-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of fraud and this company is reporting numerous accounts on my consumer report i have asked this company to remove these accounts and they refuse to i have a FTC report and the number is XXXX. 15 usc 1681 A section 2 states that a consumer reporting agency can not furish a account without my written instructions and i challenge this company to provide the proof that they have 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 2022-08-25 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX has been reporting an account XXXX XXXX XXXX on my credit report that was opened due to fraud. I disputed the account in XXXX of XXXX, and they stated it was removed, and then reinserted, and have not sent any documentation.

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 2022-08-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX has been reporting an account XXXX XXXX XXXX on my credit report that was opened due to fraud. I disputed the account in XXXX of XXXX, and they stated it was removed, and then reinserted, and have not sent any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Affidavit was sent to Mercerdes Benz Financial services, it was never rebutted by affidavit as requested, they have acquiesced to my right of possession under ucc 9-609 after default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America direct electronic withdrawal from my personal checking account in amount XXXX dollars while XXXX XXXX on vacation drawn on XX/XX/2021 I came on XXXX next day went to local branch in XXXX XXXX file complaint and it is fraudulent withdrawal reverse the amount XXXX to my account In XXXX return it back In XXXX they ask me to close my account and open new one which affected my score I went again in XXXX the agency with Fraudulent department ask me to file complaint in my local police in XXXX XXXX Bring it back to them which I did still they did not give 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 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: MA

Complaint narrative:
I transferred money on XX/XX/22 and the Money didnt reach the recipient account and the company did not notify me until I found out that the money didnt reach. I have been calling the company since then but they tell me that they are contacting their local partners this money was meant to settle my mortgage and its accumulating the interest when I tried to explain I have never got any help. I requested they refund the money so that I can find a way of sending it but up to now have got nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I got a loan with VyStar Credit Union and the first payment was due on XX/XX/XXXX. As of XX/XX/XXXX I had not received any form of communication from Vystar regarding my first payment due date, account number, member number ; nothing. Thankfully I realized that I had made my purchase about a month prior and pulled out the contract and found that the first payment due date was in fact on XX/XX/XXXX. I called Vystar and after sitting on hold for a very long time ( more than 30 minutes ) a woman answered and told me that I could always pay online but I would have to set my account up. In order to set the account up, I needed the loan number, a savings account number ( apparently it automatically generates ) and my member number. After reminding her that they had not sent me any of that information, she said that she could take the payment. 

My initial payment was made on the afternoon of XX/XX/XXXX, I received a confirmation number over the phone as well as a confirmation e-mail that day. 

When I went to make my 2nd payment on XX/XX/XXXX, I saw that I had been charged a {$15.00} late fee. When I examined the account closer, I found that my payment made on XX/XX/XXXX was not posted by Vystar until XX/XX/XXXX. I have since called Vystar numerous times and after being on hold for over 80-90 minutes ( in total ) have been told twice that I would be called back, once put on hold just to be put back in the queue, and once hung up on. Two of the customer service ladies told me that they could reverse the late fee to at least take care of that, instead one of them added another late fee so I've been charged {$30.00} in late fees when no payments have been late. 

I have asked them to pull my initial payment and repost it back dating it to XX/XX/XXXX when I actually made the payment, along with removing the late fees. No one seems to care or know how to fix the multiple issues they have created. 

As I type this, I'm back on hold to discuss the 2nd late fee.

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 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Either the bank made an error or my account was hacked over XXXX dollars was sent to someone name XXXX using XXXX. I did not send these XXXX  transactions. I contacted the bank spoke to a manager named XXXX he said he I would get all my money back and I would get a credit within 10 business days. I just received a letter in the male saying no error was made and my account would not be credited. How can they do this my account was drained all my money for rent, food, transportation is gone.. Please help me get my money back. 

It is citizens bank Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Lakeview Mortgage Company transferred my mortgage to XXXX XXXX XXXX  for servicing. 

XXXX XXXX requires that I go to their website and enter all my information for their records. This is inconvenient and a waste of my time because they should automatically get the information from Lakeview. After all, XXXX XXXX purchased the serving contract because they expect to make a profit from the new business. 

It is unfair to have the consumer use his time to save XXXX XXXX and Lakeview money during the transfer process. 

It would be fair if XXXX XXXX or Lakeview gave a reasonable $ credit to the mortgagee.

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