vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I am sending you the synopsis of the issue that started on XX/XX/XXXX with the subject matter entity and I'm still being continuously harassed. It was during an early XXXX Friday sale, and I purchased a XXXX '' television ( TV ) from Walmart totaling {$510.00} and charged it to my PayPal credit card under Synchrony Bank. After awaiting for the delivery of the TV to be delivered on promised date, and it not showing up for several weeks, I called Walmart and they agreed to reverse the charges, and on XX/XX/XXXX I received an email from them stating they had refunded the charges to PayPal and should post in XXXX to 10 days. On XX/XX/XXXX I received confirmation from PayPal that they had received the refund from Walmart.

Walmart then sent a replacement TV for the one I never received, and that one came but I refused the delivery because I had decided I didn't want the TV. Once Walmart received the TV back at their warehouse, I received a confirmation email on XX/XX/XXXX that Walmart had received the TV back in their warehouse in XXXX, IN, and on XX/XX/XXXX I received confirmation from Walmart that they had did a second refund for the second returned TV to PayPal.

That being said, PayPal has been harassing me for the past two years for payments on items I haven't received, and I've submitted several dispute forms to no avail. I keep getting the same answer that they've credited my account, but it still shows up, and this has now caused issues with my credit report scores being lowered. I have closed the account and they are still sending me statements showing I owe them {$510.00} of which they've been paid. That has to be a form of defamation of my character in making it appear I don't pay my bills. Therefore, I want restitution by them removing the charges and clearing any negative statements on my credit report. I thank you for your help in resolving this issue. Have a wonderfully blessed, safe and healthy rest of your day! 

Warmest regards, XXXX XXXX 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 monetary relief
Consumer complaint received 2022-03-31 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: CA

Complaint narrative:
On XXXX I sent a letter to TransUnion, XXXX and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

I attached the original letters I've sent to them trying to resolve this problem! 
Please see files attached!

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 2022-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co.
State: CA

Complaint narrative:
I sent OLIVER ADJUSTMENT COMPANY a letter to validate the debt I supposedly owed them. They received it certified mail with return receipt on XX/XX/2022. I asked proof that the statue of limitations hasn't expired and how they calculated the interest and fees, proof they own this debt and original documents bearing my signature On XX/XX/2022 I received a letter from Oliver Adjustment Company and the information they sent over was unresponsive to my original demands. Not only that, they violated XXXX by sending over my procedures, diagnosis codes and a lot of other XXXXrotected Health Information. I NEVER requested. I never signed a XXXX form requesting them to access and send over my medical history. They even send me extra balances on other PHI on procedures that not even being reported on my credit report. I sent a violation of XXXX letter and it was signed for and received on XXXXThey have violated my rights. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 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

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 2022-03-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter to Equifax regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

Please see attached files of my dispute to Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: PA

Complaint narrative:
In XX/XX/XXXX, I entered into a lease with XXXX XXXX regarding a new vehicle. The terms of the lease were for 39 months. I paid the lease off completely and returned the vehicle to XXXX XXXX XXXX and XXXX XXXX in XX/XX/XXXX. I talked to the sales manager at XXXX XXXX XXXX and told him that I was turning in a leased vehicle. He went out and he looked at the vehicle and said the vehicle was in excellent shape. I asked him if I needed paperwork to that affect. He stated that I did not need any paperwork and I was " good to go. '' The vehicle was in perfect condition when it was turned in and that was acknowledged by the dealership. Months later XXXX XXXX claimed the auto was damaged. I told XXXX XXXXl that that was not the case, and the vehicles was turned in in perfect condition. It was at that time the XXXX XXXX try to get {$2600.00} from me. I told them that I did not any money and they would not give me any information regarding the " damages '' to the vehicle. 

In XX/XX/XXXX I attempted to get a line of credit for XXXX XXXX my businesses and was turned down with my bank, XXXX XXXX XXXX XXXX XXXX, because of a poor credit rating. I obtained my credit report and it showed that XXXX XXXX charged off my account in XX/XX/XXXX. 

I sent dispute letters to all XXXX credit reporting agencies and XXXX we returned back that the company reported information was accurate. XXXX did no further investigation and did not receive any information or my side of the story. The other XXXX reporting agencies never responded. 

I obtained my credit report from XXXX and it shows the charge-off of XX/XX/XXXX. I attempted to call XXXX XXXX XXXX to find out information regarding this charge-off and I was told that they do not give out invoices and they will not submit any information regarding why they charged off this vehicle, considering that the vehicle was completely paid as per the terms.I contacted XXXX XXXX this week and received a letter regarding this account and was advised that I owe {$2600.00}. Again XXXX XXXX XXXX would not give me a detailed itemized list of these charges. This vehicle was in perfect condition when I turned this vehicle into XXXX XXXX XXXX. In addition there was no litigation ever filed against me from XXXX XXXXXXXX XXXXl for the {$2600.00}. 

The XXXX credit bureaus did not do their due diligence to actually truly investigate this claim made by XXXX XXXXXXXX XXXX. At no time was I given the opportunity to explain my side to the credit bureaus.

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 2022-03-31 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: OH

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has practiced unscrupulous credit card practices. It is nearly impossible to find out what my minimum payment is. They change the minimum payment without my knowledge, then charge late fees! I am being charged {$270.00} for one month due to late fees. I was not notified of another change in my minimum payment, yet they took my monthly automatic payment of % XXXX each month without informing me of the changes. I contacted them via phone in XXXX and XXXX of XXXX and XX/XX/XXXX. I also contacted BOA on XX/XX/XXXX, via social media as well, only to be ignored. I never had a problem with my payments being late until the latter part of XXXX, unbeknownst to me. I also emailed BOA in XX/XX/XXXX via email seeking assistance with locating the minimum due date of the credit card but it is nowhere to be found in my account on the BOA app. I feel that they deliberately make it difficult to find the minimum due date and difficult to pay on time so that they can charge you late fees. This affects my credit score and payment score as well.

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 2022-03-31 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: FL

Complaint narrative:
Equifax Information Services LLC, XXXX XXXX, XXXX you XXXX credit reporting agencies broke the law and continue to break the law!!! I have all my proof to prove you all 3 of the violations!! I refuse to allow you to perform deceptive practices with me, its going to cost you millions of dollars with your behavior and deceptive business practices!!!! 
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports Equifax Information Services LLC, XXXX XXXX, XXXX PLEASE provide me with the proper documentation, that I, XXXX XXXX, signed with you to furnish my information in the first place? I DEMAND YOU TO DELETE EVERY NEGATIVE ACCOUNT/ITEM RIGHT NOW!!! I AM NOT PLAYING WITH YOU!!! You are violating my consumer rights and I never gave you permission to do so!!!! And prove me to me how you validated and verified the accounts??? I need full proof because I am tired of playing with yall and if I have to sue yall, I will do it, this is not a threat, this is your warning! Pursuant to XXXX. XXXX. XXXX XXXX Certification of Truth, accuracy and completeness YOU ARE IN VIOLATION!!! I have all my proof to prove you deceptive business practices credit reporting agencies!!!!!! You dealing with the right consumer and I wont stop until you pay me for all the violations!!!! I have all facts!!! You deleted the negative accounts and then replaced them that is against the to report inaccurate information!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient called me approx. 2 weeks ago stating my payment was 32 days past due and going to collection. I asked why since payments had been extended until May. She stated my loans are not federal loans. I said yes they are. I also have a letter from fed loan servincing stating that my FEDERAL loans are being transferred to XXXXXXXX for repayment. 

They have no reported me to credit bureau. I have all documentation. And their recorded call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On Monday XXXX XXXX, I was hired for a XXXX XXXX XXXX position, I went through the whole interview process, I signed contact, and everything seemed legit. The next day the sent me a check that I deposited for {$1600.00} I was told this would be the money used for my equipment and software that would be used for the position. The following day they sent me another check for {$1500.00} also deposited the check and put ached XXXX {$500.00} gift cards from XXXX because they told me this would be used for the equipment as well. I asked why they sent 2 checks and they stated that my deposit limit for my bank is XXXX $ so they had to split up the checks and at the time it all made sense to me. So I purchased the equipment and sent a total of {$3100.00} to the company and once PNC recognize those checks were fake and fraudulent they took XXXX $ leaving my account negative. I am now in a terrible position not knowing how Im going to pay for any of my expenses including my daughter. This is a nightmare and I dont know what to do. PNC denied both of my disputes. I filed a police report, sent them all the information I had of the scammers exc. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.

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 2022-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and Transunion is putting a derogatory decrease credit scores because I have been filing Federal Government complaints with Consumer Finance Burau and ADA Department of Justice. 
XXXX, had my score at XXXX on XXXX XXXX and now it has been lowered to XXXX. 
I apply for a VA home loan with three lenders on XXXX, XXXX XXXX and my scores shouldn't have been decreased. 

Also I have XXXX balances as of XXXX XXXX on my credit cards XXXX, XXXX XXXX XXXX Credit Card # XXXX, XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXXXXXX XXXX XXXX  XXXX balance {$200.00} My credit score with XXXX should not be decrease because of Charge Off accounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Auto XXXX XXXX 

XXXX is violations of Federal and State Laws and violations of my ADA XXXX  Act under Department of Justice. 
I am XXXX Lifetime and Retired and a XXXX XXXX XXXX Military Veteran.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello Approximately XXXX dollars XX/XX/XXXX and after i noticed and received a late fee from Wells Fargo bank. I do not remember what the amount of the late fees were but eventually added up to XXXX dollars. As my bank Wells Fargo Bank was on my path of travel to my job I decided to stop by and ask what this late fee was all about. The clerk at the teller counter explained to me that it was for a checking account that i opened. I think he said it was free for a few months but then i had to have a certain amount of money in the account or some type of direct deposit for the account to remain free from monthly fees. I remember sitting down with a female customer service i believe her name was XXXX. I told the teller that i never opened said checking account, that i did apply for a credit card with ( XXXX ). But that i had not requested to open a checking account. The teller said " umm uh well XXXX would not do something like that '' When i asked for XXXX the teller explained to me that XXXX was no longer with the company. I believed as time went by i paid the amount of XXXX dollars in late fees and called Wells Fargo customer care to ask for the account to be closed or I either stopped at the physical bank and conducted the above. Its been many years so i am recalling by memory only with a few writing notes. As years went by i started hearing more and more about XXXX. i believe it was early as XXXX I decided to look up my free annual credit report thru above web site. I was shocked and amazed to find out that Wells Fargo was reporting to all XXXX credit bureaus that i was late up to 60 days in the amount of XXXX Dollars. I immediately disputed the inaccuracy with all 3 of the credit bureaus. To my surprised Wells Fargo responded and stood clear that the reporting was accurate and up to date. Even though i believe i had paid the fees of XXXX dollars. To my relocation i can recall that Wells Fargo unfairly reported the credit bureaus up until XXXX or perhaps up til XXXX. I know the time frame does not make any sense but also you will see that on my credit report the credit card amount i was approved for was for {$6000.00} and the late payments against the credit amount was {$93.00} but you will also see that i never used any of the credit against the credit card loan against the amount of {$6000.00}. In this way my credit file shows me having a credit card with Wells Fargo in the amount of {$6000.00} and it will also show that i am late in payments up to 60 days in the amount of {$93.00}. But my credit file will also show that i never consumed any of the {$6000.00} available 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 non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have two medical collections on my credit rekey stating I owe for doctor visits. I was not at this location. My husband ( at the time ) was the one with the visit under our family insurance plan. I have submitted a dispute and was denied removal. Reported XX/XX/21 Medical Data System, another XX/XX/21 I never received notices

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