vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Resolutions, LLC
State: CT

Complaint narrative:
I received a alert from my credit card credit score that Credit Resolutions LLC had put a blemish on my account XX/XX/XXXX for {$120.00}. I never received a letter or call from them so i couldn't have had my 30 days to reply.. They put a blemish on my credit score account. I called and talk to XXXX ( @ Credit Resolutions , LLC ) she tells me it's from XX/XX/XXXX from XXXX XXXX Dental XXXX XXXX XXXX. Ask for a copy of the so called bill but she said can't give it to me?. I called XXXX XXXX dental talk to XXXX XXXX they sent me a copy of receipt with XXXX balance but still insist i still owe, ..Now my credit score has a blemish on it and still owe {$120.00}. dollars. Need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a text message on Tuesday XX/XX/2020 from my Best Buy Visa card asking whether I was attempting to make a purchase for {$930.00} at a XXXX XXXX. I texted No and opened up a fraud dispute. That transaction never went through but as we looked at the other recent transactions, there were 2 other charges that I disputed. One was for {$270.00} at a XXXX XXXX in XXXX, IL and the other was a {$50.00} purchase at a XXXX XXXX in XXXX, IL. Both charges were on XX/XX/2020. I raised a dispute on both of those. They were removed from my bill and I was given a credit. I received a letter from the Best Buy Visa last week that they had concluded their fraud investigation and determined that I was in fact responsible for the charges and had reissued them back to my account. 

I called the customer service number and spoke with the fraud department. The representative told me that because the transactions had been completed with a chip card and because I told them that I still had the card in my possession, that I was responsible for them. I did have the card in my possession, but I have never stepped foot in a XXXX or XXXX station in XXXX IL. They essentially told me that there was nothing they could do. I asked them if they had video footage of me making those purchases and they said that they didn't and could do nothing further. Because it was a chip transaction, it had to have been me that made it if I in fact still had the card. I did not make those purchases and I find it odd that they sent me the fraud alert for a XXXX XXXX charge that occurred 2 days after one had supposedly went through. 

I don't know if there is anything else that can be done. I already paid the balance and I told them to close my account since this was the type of customer service that was being done. There may be nothing else that I can do, but I still wanted to lodge a complaint.

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 2021-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Nissan infinity Lt, I have 2 late payments that were not late and I was told it was theirs mistake they will be removed for the simple fact we had automatic payment setup then down the line as I spoke with different customer services reps every one had a different story all of a sudden they say we didnt set up automatic payments so I assumed they were automatically taking the payments XX/XX/2016 they gave me a late payment and XX/XX/2016 they also gave me a late payment for that month even tho I had setup automatic payments with them and on several different Occasions I was told they would be removed but they never removed the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I opened a account with JP Morgan Chase Bank in XX/XX/XXXX, and deposited {$25000.00}, loan from XXXX XXXX XXXX It was to help my children in college, pay for food while they were in school and to help with some medical bills. Once Chase bank verified with XXXX XXXX, the money was deposited on XX/XX/XXXX. I was told I would received my bank debit card in the mail in 3-7 days. The card never arrived until 3 weeks later. I had to send my kids money for food and pay rent for my daughter in college. The bank offered two money send features, bill pay/XXXX services which I tried to use both to send money to my family, Which at that time Chase Bank proceeded to reject my attempts to help my children 3 times. I called Chase Bank and was told this was fraudulent, I verified myself and they said should not happen again but they continued this activity for about a month. Needless to say I got upset and angry. I stated, this is my money and I have used bank services as intended to help my family. How can using my money and bank services be Fraud. I was interrogated, persecuted, and accused of Fraud. They also accused XXXX XXXX XXXX of fraud. So after several attempts to send money to my kids, Chase Bank flagged me as a fraud and froze my account. They are trying to charge fees, confusing my transactions, restricting my transactions and have plans on trying to take/confiscate my money. I believe this to be a effort to use circumstances created by Chase bank to take my money. I spoke with Chase Fraud department many times and the last time they I told them, as many times before, you are accusing/treating and making accusations to a innocent person and are affected my children. they said " we will see about that '' authoritative/arrogant/self righteous. I told them and challenge then to contact the financial institution that deposited the money and verify. They would not listen. I called XXXX XXXX and told them to intervene and to re-verify my legal deposit. I need your help exposing these deceitful and corrupt activities

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: DISCOVER BANK
State: FL

Complaint narrative:
At XXXX XXXX, a text notification was received from Discover that a transaction on my Discover card had been made for {$470.00} on XX/XX/2021. Along with a text I received an email with a full itinerary detailing that flight # XXXX departing from XXXX XXXX in XXXX XXXX XXXX XXXX to XXXX  airport in XXXX. The names provided for the passenger tickets were XXXX XXXX and XXXX XXXX with ticket number XXXX and XXXX. The confirmation number on the ticket is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Long story Short I have complaints against 3 different banks that attacked My credit while I was away on military orders. This has been on going for a few years and I have tried to settle this with all 3 banks. One of the banks ( Synchrony ) went as far as accusing me of stolen valor. These banks keep refusing to fix things and I want to make the treatment of military public. They had recieved notification I'd be away on orders. When I came home they charged the accounts off as Bad debts.

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 2021-03-13 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: IL

Complaint narrative:
On XX/XX/2021 I sent TransUnion a letter disputing the validity of the bankruptcies they are reporting on my credit report. I also sent a method of verification letter and a letter from the courthouse stating that they ( the courthouse ) doesn't verify their information with the bureaus. I expected to receive a response within 15 days of receipt of this letter in compliance with the FCRA, but unfortunately that didn't happen and is a violation to my FCRA rights.

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 2021-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I have been notified of an alleged outstanding medical debt from three years ago, dated XX/XX/2018. This is impossible, as I had two insurance policies at that time, which covered me at 100 %. The letter has threatened to " report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. '' I dispute the validity of this debt, and I'm sure threatening to ruin my credit for a debt, for which I do not owe, from three years ago, is against my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert A. Schuerger Co., LPA
State: FL

Complaint narrative:
On XX/XX/XXXX, I recieved a debt collection letter from the Law Offices of Robert A. Schuerger. On XX/XX/XXXX I responded to that letter by certified mail asking for validation of debt under the Fair Collections and Debt Act. I got no response. Starting in XXXX, XXXX my credit report through XXXX showed a collection notice reported by the Law Offices of Robert A. Schuerger. This detrimental action is against the Fair Collections and Debt Act as collectors need to send proof of debt if requested before continuing collection on debt including reporting to credit bureaus. I made a complaint to the CFPB on XX/XX/XXXX. Company responded on XX/XX/XXXX saying they would rememdy the situation by sending out debt verification and moving the account to disputed. Neither of these happened. Instead my XXXX  challenge was changed from disputed to verified. On XX/XX/XXXX, I received a letter from Schuerger. It contained a one sentence response of " Enclosed, is the information you requested regarding the account listed above. ". The documents contained inside were my letter and a copy of the certified mail receipt. There were no documents germane to the account and the supposed debt, nor was there any attempt to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
I paid XXXX XXXX in full on the bill in question. I have a signed receipt from XXXX XXXX billing department reading " Paid in Full '' from their billing manager. I submitted it to American Adjustment Bureau XXXX CT and also submitted it to the credit bureaus disputing the matter. American Adjustment refuses to acknowledge the bill was paid and keeps reporting it has not to the credit bureaus. When I call American Adjustment Bureau in XXXX CT, and on the very rare occasion they actually answer the phone they say " Your account is locked '' " we can't do anything or tell you anything more sorry ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: NJ

Complaint narrative:
This XXXX Credit Burea hard inquiry is on my credit report but its not belong to me

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 2021-03-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I have been paying back a student debt since XX/XX/XXXX and only recently learned that I was being charged fees for every payment I made after the fact. I did not sign a loan agreement and I am not legally allowed to be charged interest. I was previously charged {$2.00} for a convenience fee which was reflected on the invoice when making payments. Subsequently, the payments I made are now reflecting new charges being taken out of old payments. The fees range from 12-24 % of the total payment. The fees do not appear on my statement mailed to me monthly nor on the payment invoice when I submit the payment. In total, since XX/XX/XXXX, ECSI has collected over {$500.00} in fees without my knowledge or without notifying me through the mailed statement or before making the payment of any fees that will be deducted from my payments. In XX/XX/XXXX my first payment was not charged a fee but every monthly statement after that has a fee taken out that was not previously recorded on any statements sent to me directly from the company. The fees dating back to my initial payments after XX/XX/XXXX are now different then when I first looked at them in XX/XX/XXXX with a portion diverted from my debt repayment directly to ECSI. These charges were nonexistent and are only now being reflected in the online payment history with my physical statements differing from the ones online. I have tried to email the company to discuss the fees and have called them to speak to a representative and have yet to be contacted or responded to. This company works directly with the University of XXXX, which is holding my transcript until the loan is paid off directly to ECSI. My consolidated report was altered in XX/XX/XXXX to show fees charged in XX/XX/XXXX, that were not previously reported.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: Premium Credit Bureau
State: NJ

Complaint narrative:
This Premium Credit Burea hard inquiry is on my credit report but its not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have yet to Receive money now the bank is trying to keep my funds for a negative balance I didnt cause because I still had money in my account before yall took my money out without my knowledge then told me after they took it a month later Because how do the Bank of America take credits you guys made permanent and put it towards a negative balance yall caused me to have my bills are to backed up for this I need my funds released now all of them theres no excuse for taking my funds to fix any negative balance caused by Bank of America when it should Have never happened And putting them towards any negative balance regardless of me taking money out of my credits wen they were made permanent my negative balance should have been 0 out before putting my money back then I was told i paid for 2 claims that wasnt approved but the bank approved 2 but my whole claim clearly states that i never received my card at all so how do they approv 2 but deny 2 Im ready to get a lawsuit going on this bank on top of a fed investigation because one I should have had my money already and 2 theres no way they can keep my money to fix any negative balance they caused and lied about very unexceptionable its been over 5 months I have a family I wont take this from a bank or anyone on this earth AT ALL!!!!

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 2021-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LendUp Loans LLC
State: LA

Complaint narrative:
I took out a {$350.00} Payday Loan and {$1000.00} installment loan ( contract no. XXXX and XXXX ) through LendUp in 2018. I experienced financial difficulty as the result of the government shut down and was unable to remit a payment on my loans. A male rep reached out to me regarding the loans and we discussed a payment plan and I expressed my concern regarding being charged a higher APR rate/fees when it was suppose to be lower based on my level as the result of my ladder points. I was told that he would look into it and if I made so many payments the remaining balance would be waived. I did my part and I never received an adjustment in my APR rate/fees and LendUp never updated the status of my installment loan ( it still shows that I owe when I do not ). LendUp continues to report me late to the credit bureaus which is having a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I saw an account pop up on my credit report listing me as an authorized user for a credit card account with XXXX. I do not have a credit card with XXXX, I have not applied for credit with XXXX, and I have no knowledge of this account with XXXX. I started a dispute through Experian and XXXX  online. The results came back that the entry remains. I contacted XXXX and they have searched my social security number, and have no record of a credit account or authorized user account with my name. Experian will not remove this fraudulent entry, and it is adversely affecting my credit rating. The account they are reporting has been updated by 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 2021-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a refinance with Wells Fargo Bank N.A. and spent 3 months submitting information to them often the same information for the refinance. At the start they requested XXXX dollar {$500.00} which would be for an appraisal. Well at the end of XXXX I was told that they could not refinance my loan because the chapter XXXX release needed to be 2 years in order for Wells Fargo to issue a loan. My question was as an underwriter should you not have been aware of this from the beginning? That was the 1st thing we discussed. To make a long story short, I said fine let 's move on, please refund me the appraisal fees being that we never scheduled or even spoke about scheduling. I was told it was not Wells Fargo policy to return appraisal fees because they place an order when they start a loan process. I told them, I have not received a service for which you want me to pay for. That is called fraud. I want my funds return. I then proceeded by sending an email to the underwriter requesting my refund for the appraisal fees that were not performed. Until today, I have been forwarded to phone numbers that do not respond and it seems that I have little hope of getting my appraisal fee back. I'm retired on full XXXX and a senior citizen who can not afford to loose {$500.00}, it may not be much to others to me it is alot of money. To charge a customer for a service that is not provided is fraud. Any other person did this to people they would go to jail. Well Fargo is a big bank and makes big political donations, yet they are committing fraud with the American tax payer and getting away with it.

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 2021-03-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo claims that I had a credit card with them ending in the number XXXX which for the longest time was used to monthly auto-pay an account in meal pal for XXXX. This card was on auto-pay from my savings account in wells Fargo. This went on for over 2-3 years before I even noticed it. Upon noticing, I brought it to wells Fargo 's awareness and they have done nothing to solve it. I canceled my savings account with them and all banking relationships with them. To make it worst, they sent me another credit card ending with XXXX and have started to chase us for some pending payments ( which we never incurred ). This is real harassment. We receive a call from their debt collection agency every Saturday at XXXX XXXX and a letter from them every month where we have made it amply clear to them that we have nothing to do with it. 

I am sensing that this is part of a larger fraud here and looking for help in resolving it. not sure how many other consumers might have similar issues with them. 

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 2021-03-13 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: NV

Complaint narrative:
There are accounts on my credit that do not belong to me. I don't know who's they are. Please remove them. I have submitted a copy of my identification and my utility bill as well to prove who I am.

Company response to consumer: Closed with explanation