vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
Account name SOURCE RECEIVABLES MNGMN Account number XXXX Date opened XX/XX/2022 Status Collection account. {$3.00}, XXXX past due as of XX/XX/2022. 
Status updated XX/XX/2022 XXXX {$3400.00} XXXX updated XX/XX/2022 I have disputed this account numerous times. I did not open any account in XXXX of 2022. I have no recollection of this account. I have tried to contact them multiple times and they refuse to explain account or verify information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2022 Suntrust XXXX XXXX - an hard inquiry was made to my credit report. I did not make this request XX/XX/2022 XXXX XXXX  XXXX  - an hard inquiry was made to my credit report. I did not make this request

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 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Pnc bank toke money out my Account and didnt gave me my money back someone broke in my apartment got police report and they close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXX XXXX I WROTE THIS COMPLAINT BECAUSE I AM A VICTIM OF IDENTITY THEFT PLEASE UPDATE MY CREDIT REPORT REMOVE FRAUDULENT ACCOUNT, XXXX XXXX XXXX,. AND REMOVE FRAUDULENT INQUIRIES XXXX XXXX XXXX AND XXXX XXXX HERE IS THE IDENTITY THEFT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXX XXXX I WROTE THIS COMPLAINT BECAUSE I AM A VICTIM OF IDENTITY THEFT PLEASE UPDATE MY CREDIT REPORT REMOVE FRAUDULENT ACCOUNT, XXXX XXXX XXXX,. AND REMOVE FRAUDULENT INQUIRIES XXXX XXXX XXXX AND XXXX XXXX HERE IS THE IDENTITY THEFT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: IL

Complaint narrative:
I'm sending this dispute regarding to hard inquires on my Transunion report, I pulled up my report from XXXX XXXX and noticed there a several hard inquiries that I have never authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have filed FTC report and included with this package. 
I became a victim of Identity Theft and these hard inquires are result of fraudulent activity. 
They must be removed from my report immediately. 
Please note : I'm not using any third party for this matter.

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 2022-11-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have bought a fridge from amazon.com on XX/XX/2022 and I was charged XXXX dollars and then I returned the fridge but Amazon never gave me that refund so I contacted synchrony bank and they gave me a credit for XXXX dollars but then synchrony bank on XXXX recharged my account again for the credit of XXXX dollars that they gave me and also Amazon recharged me again for XXXX on XX/XX/2022 again. So Amazon has double charged me for an item that I returned back and synchrony Bank took back the credit of XXXX dollars that they gave and charged my Amazon credit card again on XX/XX/2022 for XXXX dollars. So I was charged 4 times of XXXX dollars for a single item that I returned back and Amazon has it in their warehouse. I called synchrony bank and they even refused to talk to me. 
I need the CFPB help with this issue and nobody seems to understand and amazon keeps charging my Amazon credit card for the same item and synchrony bank is allowing amazon to keep charging for an item that returned back and this is FRAUD from Amazon me synchrony bank. I am attaching documents that shows synchrony bank charging me again on XX/XX/2022 for the credit they gave me on XX/XX/2022 and Amazon charging me again on XXXX another XXXX dollars. I have been charged 4 times for an item that I returned to amazon and they have it in their warehouse

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 2022-11-04 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: WAKEFIELD & ASSOCIATES, INC.
State: OK

Complaint narrative:
Upon checking my consumer report, I see that Wakefield Associates is reporting a medical bill which is a violation of my consumer rights. ( 15 USC CODE 6803 ) and HIPPA violation!! 
Medical debt on a consumer report is illegal, and due to this it is causing me stress when getting denied for credit I apply for. 
I demand these accounts be deleted, and a mailed check for {$1000.00} be mailed to a address I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX - an hard inquiry was made to my credit report. I did not make this request XX/XX/2022 JPMCB card services - an hard inquiry was made to my credit report. I did not make this request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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: AL

Complaint narrative:
XXXX 's, XXXX XXXX  told me they have been unable to report since XX/XX/2022 due to a new reporting system. I was told by TransUnion and XXXX to mail them my statements for manual updates. They failed to correct and insist they are verifying inaccurate information.

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 2022-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: FL

Complaint narrative:
I would like to dispute the debt that XXXX XXXX XXXX XXXX XXXX has on my credit report. From what I remember I went to the XXXX  XXXX, filled out the information for XXXX sat in the waiting room for XXXX hours and I overheard that they would probably not have time to get to everyone. After hearing that I left the hospital and to my surprise I receive a bill for services that I never received. They did absolutely nothing for me except allow me to wait in their waiting room and suffer. I wound up going to a walk-in clinic the next day and they helped me there.

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 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX, I asked my son to deposit a check for {$7900.00}. into my bank. By error he depostied it into his bank, Ameris Bank. On his way home, realizing his mistake he called Ameris. He was told as soon as they empty the ATM, they would call him and he could retrieve the check. Later the same day, he called back and was told the check was destroyed. I went to Ameris Bank on XX/XX/XXXX and was told by XXXX that my check had been destroyed, no copy or photo was available. I have a copy that the ATM made and clearly the check is made out to me. I want me check back. In XXXX I filed a complaint with Ameris Bank and have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
Bank and mortgage company are merging. 

I do not have online access to make my mortgage payment. Calling on XXXX number just says to hold for hours on the phone. Just get continuously told to hold on for next rep. No rep comes on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX  told me they have been unable to report since XX/XX/2022 due to a new reporting system. I was told by XXXX and Equifax to mail them my statements for manual updates. They failed to correct and insist they are verifying inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has not investigated my complaint and has refused to remove these inquiry 's from my report. They refuse to provide proof of investigation and the time limit has passed. 
To date you have not done your duty as mandated by law. You'r non-compliance with federal law is unacceptable, you'r disregard for it contemptible. Rest assured I shall hold you accountable. Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see15 USC 41, et seq. ). I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-11-04 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: MI

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NV

Complaint narrative:
In XXXX when COVID hit, we asked for forbearance to get us through. They set us up in XX/XX/XXXX. We were required to call every quarter to continue to be on forbearance. We asked for forbearance for an entire year but continued to pay the escrow payments each month. Somehow, after a few months, we were incorrectly switched to deferral. I have called every month for over 2 years to get this fixed and they tell me it is being reviewed and will be corrected. I have resumed making the full mortgage payment every month after that one year of help, and they said the error will be corrected. Then they reported me to the credit bureau for XXXX and XXXX of XXXX in error!! That has since been corrected, but has affected my credit. Nobody ever calls me back, and my statements are a mess and I can't understand them. In addition, they have charged me some miscellaneous fees like 'property inspection fees ' etc. I really hope you can help me get this mortgage brought current. Thank you so much!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/22 I received notice from my credit report monitoring service of a new balance on my Citi card. I tried to login online but my password didnt work, so called CIticard and found out there were 8 purchases made out of my state between XXXX for a total of {$7500.00}. None of these purchases were made by me. My card was canceled and the charges were disputed and was told could take 2 billing cycles. After reviewing my credit report I noticed an address out of state that is not mine and disputed it and froze my credit report. I called back was told the investigation was closed because I needed to answer questions but I never received the email, so I answered their questions on that phone call and was told investigation would be reopened. I called back again and was told investigation was closed based on the card having a chip being used for these purchases in other states that I have not been to. They told me to file police report, postal report and send an email to their security operations manager to reopen investigation which I sent on XXXX. I called back to confirm they received email but was told they would make a note about my call. Upon further questioning I found out my citi card had been mail to the wrong out of state address on my credit report. So it seems someone changed my address and had new card sent to that address and then used my card to make fraudulent purchases. Its been over 2 months my card is accumulating lates fees and interest on these fraud purchases. I dont want my credit to be affected. I need help with disputing these fraud purchases with Citi card. Thanks.

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 2022-11-04 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: U.S. BANCORP
State: CA

Complaint narrative:
There are two inquiries showing on my XXXX report On XX/XX/01 from Elan financial one of those inquiries need to deleted only applied for one account did not apply for two accounts showing my credit was pulled twice from their company.

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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I submitted a letter to the XXXX credit agencies known as XXXX, XXXX and Experian. As of today XX/XX/XXXX, I have yet to hear from Experian. I heard from XXXX and XXXX. They deleted some of the incorrect information ; however my credit report is still inaccurate. As a result, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Again I mailed these letters on XX/XX/XXXX and I have yet to hear from Experian. Therefore I am asking that they delete all of the accounts that I inquired about. I have enclosed parts of my credit report to show the inaacuracies that are still being reported. 

Exhibit A The past due amounts are clearly incorrect. XXXX is reporting that {$65000.00} is past due and Experian is reporting that {$140000.00} is past due. 

Exhibit B The circles represent all of the inaccuracies. In regards to the payment history, XXXX is reporting that the account was charged off starting XX/XX/XXXX. However, Experian is showing that the chargeoff started XX/XX/XXXX. Also all XXXX of the agencies are reporting that the balance due total is XXXX. However, I am receiving letters from XXXX stating that the balance due is {$12000.00}. XXXX  has been harrasing me about a balance due when clearly the due balance is XXXX. 

Exhibit C XXXX is reporting that I have no payments on the account under payment history. However, Experian is reporting that I started making payments in XXXX of XXXX, This information is inaccurate. Also please keep in mind that XXXX deleted this account because it is inaccurate. 

Exhibit D XXXX is reporting that this account was paid on time starting XX/XX/XXXX and was charged off starting XX/XX/XXXX. Experian is reporting that this account was paid on time starting in XXXX of XXXX and charged off in XXXX of XXXX. This is clearly inaccurate. XXXX is showing that the account was paid on time in XXXX of XXXX but Experian is stating that it was charged off by then. XXXX is stating that I made no payments on this account which clearly contradicts everything

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 2022-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I didnt finalize a used car loan never got the car yet the loan shows on my report as a closed XXXX XXXX old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: DebtEaze
State: PA

Complaint narrative:
A rep from a company called DebtEaze told me that the XXXX XXXX XXXX XXXX was on pause and suggested paying for my loans. They said that Id have to pay {$220.00} for XXXX  months and then {$120.00} for XXXX  months. They said that after this XXXX payment that any loans left will be forgiven ( paid off ). Along with the monthly loan payment theres a {$99.00} payment fee for filing the applications. I told them that I wanted to start payments on XX/XX/XXXX. At first I was told that I would be charged 1 application fee of {$99.00} on the XXXX but then looking at the agreement form it said I would be charged XXXX XXXX monthly for XXXX  months every XXXX. DebtEaze were able to get into my FSA. I thought the company was legit because I got an email saying my FSA password was changed. They asked me personal information on the phone ( debit card, ssn, etc. ). Im trying to get out of this before payments are made. After which I will pay my loans off myself.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation