vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Tried to make a payment and the call dropped, now they have been calling 3 to 4 times a day, got an agent on the line and asked for a supervisor and he transferred me and said he has one of his associates on the line, I asked is it was a supervisor, he said yes she is a supervisor and an associate, she was on the, I asked her if she supervisor and she stated no but has the same authority, I told her about why I was calling and why I wanted supervisor, she then stated she would stop all calls, but supervisor couldn't call either, I told her that I wanted supervisor to call. I asked how I would know it was the supervisor and not automatically dialer, she then said because she stopped calls, but would have them call

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Was charged 2 {$30.00} fees for verifying account ownership to XXXX  an external investment company on XX/XX/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 explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: NY

Complaint narrative:
I received a letter from bill from Medicredi which positive Ive never heard of the medical facility. Ive never had any medical treatment with them so on XXXX I send them a letter requesting information to verify and show proof that I was a patient at their medical facility. They ignored my request and wrote me back and told me they did an investigation and it was determined that aI owed them {$3100.00}. and another bill for $ XXXXAs a result they didnt send me what I requested nor did they send me results from their investigation. I would like to see a full copy of their findings I have also reached out yo my health insurance provider and they have no itemized payment request from this company. My provider also asked this company for verification and they havent been able to provide itemized receipt of these debts they claim I owe.? please see attached letter mailed to them on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: PA

Complaint narrative:
CONSUMER REQUEST FOR XXXX & NOTICE TO DELETE Consumer Gramm-Leach-Bliley Act Notice Sur-name : XXXX, Given name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX ZIP Exempt Non-domestic , without the UNITED STATES *NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT* Attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX United States Re : CONSUMER NOTICE OF GRAMM-LEACH-BLILEY ACT VIOLATION I Sur-name : XXXX, Given name : XXXX living man hereby puts XXXX XXXX XXXX XXXX and its CEO on notice of my Consumer notice R.I.C.O. and GRAMM-LEACH-BLILEY ACT Violation. Consumer demands included Cease and Desist from said racketeering activity. 


Request for information I am hereby requesting the following information in regards to this account CCS Company Account # XXXX Consumer is aware that any creditor or trustee with a fiduciary duty to XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other all caps corporate spelling of the Surety must have a copy of Social Security Administration Form 89 signed by the beneficiary ( name ) Form SSA-89 is ONLY GOOD FOR 90 DAYS. Please present form SSA-89 to consumer ( name ), living man and beneficiary of the Surety XXXX XXXX XXXX XXXX 

The federally protected consumer also understands NOTHING under the FCRA requires a financial institution to furnish negative information to a CRA Please be advised, a Trustee that is furnishing a collection to my consumer report is in violation of engaging in unlawful extortionate activities. Which the FTC defines as debt parking, and abusive, and unfair debt collection practices. 




Copy of state Department of commerce certificate Copy of Insurance certificate Proof that you are the licensed debt collector for this debt Validation of debt ( statements are not validation ) Proof of agreement Evidence you are the licensed debt collector Chain Of Title* Copy of First and last Gramm Leach Bliley Act SSA-89 Form SIGNED BY CONSUMER XXXX XXXX XXXX ( name ALL CAPS ) Copy of the 1099C cancellation of debt Date of first delinquency Copy of arbitration agreement Copy of the gramm leach bliley act disclosure A list of people you sent my information to An authenticated record of accounting/ledger from the date the account opened I am giving your company 14 days to provide all the following information above via mail in good faith. If your company refuses to mail me all the information I am requesting above ; please DELETE the account from my credit report. 

Thank you for your time. In good faith, XXXX : XXXX agent and Beneficial owner XXXX XXXX XXXX XXXX XXXX Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems
State: FL

Complaint narrative:
Financial data systems never sent me prior notice of this alleged debt as required by federal law to give me the right to dispute, additionally they have violated my privacy rights, along with hippa law. Please see NOTICE OF DISPUTE letter attached for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: D&A Services, LLC
State: IA

Complaint narrative:
On XX/XX/2023 I received a text message from a family member stating that I needed to call XXXX XXXX at XXXX. This number is associated with D & A Services, a debt collection agency out of XXXX XXXX, IL. D & A Services is in violation of the Federal Fair Debt Collection Practices Act ( FDCPA ) for contacting someone other than myself regarding a debt I allegedly owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX. Wells Fargo Home Mortgage Wells Fargo will not provide XXXX 1099 form as required for remediation payment in XX/XX/XXXX. 
I have called 3 times since XX/XX/XXXX and each time was promised someone would look into it and get back with me. No follow up by them on the first XXXX calls. On third attempt I was on another call when Wells Fargo attempted to reach me. They did not leave a message or ( as I had requested ) email me. When I called back they told me the agent who called me had left for the day and did not leave any notes as to why she tried to call. When I asked to speak with a XXXX I was told they could only put in a request to have someone call me back on Tuesday. 
I spent countless hours in XXXX on their misread of CARES Act forebearance directive which eventually resulted in their remediation payment ( with no notice and less than one month remaining in the tax year ). A longer story which I '' m happy to share but my immediate complaint/request is that someone please provide some motivation for them to provide the 1099 Form they are required to send out by XX/XX/XXXX. Thank you, 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Regardless of the multiple written requests, the ACCOUNT listed below is still reporting onmy credit report which is a violation of FCRA. The Experian Bureau failed to comply with FairCredit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed toproperly investigate the matter by using a third party as their verification provider and havecontinued reporting the unconfirmed & unverified information. Given all my attempts toaddress it directly with EXPERIAN CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please removethe account below in my file : XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: FL

Complaint narrative:
TransUnion reported XX/XX/19 XXXX XX/XX/19 Bankruptcy XXXX XXXX I disputed this inaccurate information and where or who provided this inaccurate information they did not respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, I got notices related to an account at XXXX that i didn't create. The situation is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
This company told me via phone call that if I pay them they would report back to XXXX XXXX. That is a lie. I requested a validation of debt to which they responded but did not complete the validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my business checking account. And upon closing they refused to send or release the balance on the account upon closure. They do not have any legal rights to the funds and these are legitimate funds that belong to my business

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; Medical XXXX Balance : {$290.00} ; 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 non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I reached out to request a new card on XX/XX/XXXX and was told it would take 10 business days to receive a new card. I called 8 business days later because I still had not received it the agent I spoke with said to give it a few more days and I could receive it and if not to call back and they would issue a new one. I called after the 10th day and after having so much issues with agents and poor customer service I asked they cancel the account and send a check and the supervisor I spoke with said that in order for the account to be canceled I would have to spend all the money, so I continued to wait for this card. Days later I call to speak to a supervisor and am told that there are none available. Every time after this I call to speak to a supervisor and one is never available. I mentioned that I wanted a check and they they said they could but that a supervisor would have to approve it but that there are still none available and then today i speak to someone and they issue 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 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Overdraft fee when the account had money. No explanation was given. A customer service hung up on me. Another one gave no explanation then proceeded to try to transfer me to her supervisor for 20 minutes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: IA

Complaint narrative:
I had XXXX  home internet in XXXX iowa XXXX In XXXX of XXXX my wife and I moved to XXXX iowa. XXXX does not have service in XXXX so we had to cancel the account. So I obviously didn't have their service in XX/XX/XXXX. I have disputed this a few times in XXXX XXXX but have not gotten anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I dont recognize these Inquieres : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I dont recognize these Inquieres : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: GA

Complaint narrative:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$290.00} ; 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 non-monetary relief
Consumer complaint received 2023-02-18 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: GA

Complaint narrative:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX  XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On or about XX/XX/2022, I entered into a payment agreement with Commenity as it pertains to my BJs credit card account. They agreed to suspend late fees, and drop my interest rate to 10 % for a period of 12 months. In exchange, I set up a payment plan of $ XXXX, for which they have been deducting from my checking account since XX/XX/2022. 
I noticed in XX/XX/2022 that Commenity was deducting the $ XXXX AND continuing to charge late fees of $ XXXX, plus the full 28 % + interest each month. 
When I called in XX/XX/2022, they denied that I had been approved for eligibility for their hardship program. They also denied the fact that I was ever in a hardship program, despite the fact that they set up the $ XXXX payment plan and continued to deduct those payments for 6 months based on a hardship program. 
They need to retroactively subtract ALL late fees from XX/XX/2022 AND recalculate the interest charges from XX/XX/2022 to today. 
If the above corrections take place, please let me know the amount I need to pay to bring the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: CA

Complaint narrative:
XXXX is reporting late payments on two of my student loans in 2019 during the COVID-19 Pandemic. I applied for a deferment. However, the deferment has not been applied to the months reporting as late. I am on an XXXX XXXX XXXX plan. My current payments are {$0.00} per month. When disputed with the credit bureaus XXXX has confirmed the reporting and has updated my account as " In Deferment '' though at least one account appears to be incurring interest while in this status. Your assistance is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is reporting late payments on two of my XXXX loans in 2019 during the COVID-19 Pandemic. I applied for a deferment. However, the deferment has not been applied to the months reporting as late. I am on an Income Based Repayment plan. My current payments are {$0.00} per month. When disputed with the credit bureaus XXXX has confirmed the reporting and has updated my account as " In Deferment '' though at least one account appears to be incurring interest while in this status. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: CA

Complaint narrative:
XXXX is reporting late payments on two of my XXXX loans in 2019 during the COVID-19 Pandemic. I applied for a deferment. However, the deferment has not been applied to the months reporting as late. I am on an Income Based Repayment plan. My current payments are {$0.00} per month. When disputed with the credit bureaus XXXX has confirmed the reporting and has updated my account as " In Deferment '' though at least one account appears to be incurring interest while in this status. Your assistance is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I disputed charges on my account. I live in TN and I have charges from XXXX in CA. I have only used XXXX a handful of times and it was at least 2 years ago. I have charges all over my acct from XXXX. I disputed all of them because NONE of them are mine. I received a letter dated XXXX that said I am not responsible for 2 of them : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Then it says I AM responsible for the following : XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  How could I not be responsible for 2 of them but be responsible for the rest. I can guarantee none of them items delivered to my home where I have cameras to prove XXXX never showed. I have NEVER used my card for XXXX. I am not responsible for any of these charges.

Company response to consumer: Closed with monetary relief