vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar has started updating their systems-supposed to take a very short time to complete... however it has now been several days! Starting XX/XX/XXXX. 
No access to MY money unless I drive to Vystar everyday which I am unable to do at this time unless Vystar wishes to compensate me for gas.I went to Vystar XX/XX/XXXX and was only given a printout through XX/XX/XXXX. My card along with my sons debit card, has been declined when there is supposed to be money in our accounts. I attempted to buy a XXXX at the hospital when my grandchild was sick and my card was declined for $ XXXX-how RIDICULOUS! Luckily I had my wife 's XXXX debit card and was able to buy something.They keep saying on social media that our money is safe and accurate-how do we know if we can't look at it??? Do we just accept their word for it?? When I have been able to use my Vystar debit card, it has been blindly-I have no idea of my balance. I have upcoming bills to pay and I need to be able to 1 ) go back and check to make sure my acct is correct since XX/XX/XXXX 2 ) I need to be able to see my balance, my deposits and deductions. We are no longer in the 70 's or 80 's when our parents used a check book register to keep up with our money-If I had known this would turn out like like this I could have gotten a print out of everything BEFORE they started their updates on XX/XX/XXXX so my life wouldn't be so difficult now. In this time, almost everyone does online banking so what happens when we are basically restricted from our money?? I know Vystar thinks it's no big deal, just drive to your closest branch every day or your closest ATM. But why? Why??? I have been with Vystar for a long time but it looks like I will have to look at other banking options just to pay bills!! And that means, I have to not only change my direct deposits for my wife ; s employment but for income taxes also. Why is it okay for Vystar to be this incompetent but we have all the stress and burden?? Also, Vystar tells everyone to use XXXX XXXX, well guess what? XXXX XXXX doesn't work either. Myself, & children have tried. Check out Vystars posts on XXXX and you will see other people who have the same issues and complaints.Please check out interview with Vystar executive XXXX XXXX who also sits on the board for XXXX who is the company that was hired to do this hot mess of a update for Vystar, Thank you.

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 2022-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
Re : CMRE Financial Services , IncXXXX Account # : XXXX and any other one of my accounts with CMRE. 

First, CMRE Financial Services , Inc. ( thereafter " CMRE '' ) has continuously violated my rights under the FDCA by illegally harassing me ( by calling me before XXXX XXXX  or after XXXX XXXX calling me during my work hours when I have repeatedly asked CMRE to stop doing so, making my phone ring for long periods of time ) and my family; and failing to respect my privacy.

CMRE alleges that I owe debt it wishes to collect. I have repeatedly requested that CMRE send me an itemized list of all such debt. CMRE has repeatedly refused to do, only sending me piecemeal documents that are impossible to reconcile and therefore completely misleading. I have repeatedly requested that CMRE send me a consolidated and itemized list of all debt CMRE alleges I owe so that I can verify that CMREs allegations are legitimate, valid and truthful. Without such list, it is impossible to verify CMRE 's allegations. CMREs billing is intentionally misleading, in violation of the Fair Debt Collection Act ( FDCA ). Furthermore, I have repeatedly informed CMRE that the hospital ( XXXX XXXX XXXX XXXX ) to whom CMRE alleges I owe debt has illegally billed me, by charging me prices ( e.g. for the visit of XX/XX/2019 ) that are unreasonably and unconscionably above the good faith estimate rate ( a hospital has the legal duty to not charge self-pay patients above the XXXX XXXX XXXX ). 

Instead, the hospital charged me the same rate it charged the insurance company of the party that I thought was responsible for the billing ( due to an automobile accident ) after said insurance company refused to cover said bill. I have also repeatedly informed CMRE that I was disputing bills from XXXX XXXX XXXX XXXX because at the time the services were rendered, XXXX XXXX XXXX XXXX informed me that a co-pay of {$75.00} for each rehabilitation session was the only and final cost I was to pay, regardless of insurance coverage. CMRE disregarded my dispute and reported my accounts to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX 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 2022-05-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX US DEPT ED XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar Credit Union - It has been nearly two weeks since VyStar began experiencing issues with online banking. 

The system went down on XX/XX/XXXX for a planned conversion to a new platform, as of today their systems are still not operational and the wait time to speak with a phone operator is over an hour. 

I have not been able to check my balances, can not transfer funds and have had electronic payments previously set up refused.

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 2022-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
honda keeps adding late payments to my credit even before the due date of XX/XX/XXXX and then there are 10 days before it is late i am the co signer and have told honda to notify me of any late payments i will take care of them and they still have not done this and again they lie saying yes it is all set well guess what it still isnt all set my credit score was XXXX now its XXXX because of hnda not doing what was agreed to notify me the cosigner so i will take care of the payment i want off of this loan because they have breeched the agreed notifying the cosigner of any pending late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: OR

Complaint narrative:
On XX/XX/XXXX an erroneous collection was added to my credit report and my score dropped XXXX points across all bureaus. I contacted the original creditor and collection agency and the account was successfully deleted from my report- however my credit score was never corrected to compensate for the XXXX point drop. 
My score before the item was added was : XXXX Transunion XXXX XXXX XXXX XXXX The item was successfully removed yet my score at this time is : XXXX Transunion XXXX XXXX XXXX XXXX Please correct my credit score.

The account that was added in error was successfully removed however the impact to my credit score has not been corrected. At this time the credit score on my accounts is in violation of the FCRA as it reflects what my score dropped to and has not been updated to reflect my score prior to the erroneous account.

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 2022-05-27 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: OR

Complaint narrative:
On XX/XX/XXXX an erroneous collection was added to my credit report and my score dropped XXXX points across all bureaus. I contacted the original creditor and collection agency and the account was successfully deleted from my report- however my credit score was never corrected to compensate for the XXXX point drop. 
My score before the item was added was : XXXX XXXX XXXX Equifax XXXX XXXX The item was successfully removed yet my score at this time is : XXXX XXXX XXXX Equifax XXXX XXXX Please correct my credit score. 
The account that was added in error was successfully removed however the impact to my credit score has not been corrected. At this time the credit score on my accounts is in violation of the FCRA as it reflects what my score dropped to and has not been updated to reflect my score prior to the erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
My identity was stolen last year. An account with XXXX XXXX was opened due to my information being stolen. It now shows that this bill from XXXX has been closed. The amount is {$3700.00}. I do not understand why this is still showing on my credit report. It is not mine and has been since closed but yet it is having a potentially negative impact on my credit score, which I have been working hard to increase. Can this please be removed completely. Thank you

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 2022-05-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc.
State: SC

Complaint narrative:
I have an account with crypto.com that I keep aout XXXX USD in. They charged me XXXX to ship a debit card I did not want. It has been over a month since they charged for the debit card and they never shipped it. I requested a refund for the XXXX USD fee since they never shipped. They refuse to issue a refund. 

Come to find out policy does not require one to order a new card and the CEO has since suspended the fee for debit cards going forward. However they will not refund the XXXX USD for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-05-27 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent in an FTC identity theft affidavit to this company because this account is not mine and Has never been mine. They continue to report this fraudulent account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
It first occured on around XX/XX/XXXX, i fell victim to a multilayered XXXX hijacking operation orchestrated by a sophisticated con-artist ( the Scammer ), who hacked my computer to Connect my Coinbase XXXX. 

I did not authorize the COINBASE TRANSACTIONS. 
I was not the one making them. 

I lost XXXX ETH

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had autopay schedule for the years I have been with bank of america. I checked my account and noticed I was charged a late fee for no payment. I called to inform them that I had autopay scheduled and that it was in error, and they told me that it was my responsibility no matter and that the fee was valid even if the autopay did not work. I find this reprehensible and demand that they reimburse me the fee, and take off any negative comment from my credit score. XXXX, from Texas assisted me. The statement was paid off 2 days after the due date.

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 2022-05-27 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:
I have several issues with my credit report, There is a Alias name that is wrong and there are 4 wrong employers listed and 2 previous addresses listed that I never lived at. Also there are several accounst that say charge off and date of last activities are not correct and an account I was never late on and an accounts that do not belong to me. There is a detailed letter of explanation 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 2022-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PR

Complaint narrative:
On XX/XX/XXXX of 2022 my checking account was debited {$580.00} by OneMain Financial. 

This was a big surprise to me because I dont have an account with OneMain Financial or any of its affiliated companies. I never borrowed any money with OneMain Financial or its affiliated companies. 

I called ( XXXX ) XXXX which belongs to OneMain Financial on XX/XX/XXXX of 2022 to dispute this charge but they told me they can not do anything to refund me. 

My guess is that someone who borrowed money from OneMain Financial put my bank account as payment method and OneMain Financial charged my checking account to pay for someones loan. 

OneMain Financial could have prevented this if they verified that bank account set up as payment method belong to consumer who borrowed money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my home equity loan was sold by XXXX XXXX to Rushmore Loan Management Service ( " Rushmore '' ). The amount owed was paid in full on/or before XXXX, XXXX. As a matter of fact, the amount was overpaid and Rushmore refunded the difference. On XX/XX/XXXX, Rushmore sent correspondence requesting a payoff fee {$200.00} to close the loan and cancel the lien.

Your attention to this matter will be greatly appreciated. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: VA

Complaint narrative:
I have 5 employer listings that are completely wrong and need to be deleted and one account that does not belong to me and one account I was never late on and one account that is marked as a charge off which is false, I fully expect these items to be deleted

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 2022-05-27 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
XX/XX/22 - {$560.00} This account has been paid in full and it's still showing up on my credit report causing a negative affect. I wish to have this removed immediately. In accordance with the Fair Credit Report act. CONVERGENT OUTSOURCING, INC. has violated my rights, 15 U.S.C 1681 section 602 A states that i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an 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 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
As of XXXX I was sick from XXXX and by that time cancelled my enrollment from " XXXX XXXX XXXX XXXX XXXX then was told I owe a balance of {$770.00}, which I do not due to the fact I did not pursue to further my education at that time through being sick. So my spouse emailed them for cancellation Therefore my information was transferred to " Ability Recovery Services '' and I am being harassed by early and late night calls repeatedly and it has a neg impact on my credit report saying I owe {$900.00}. I have tried other legal actions that have not worked. I would like this problem solved to get my life back on track. Thank you

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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Theres a Discovery card that is in my name and that my parent had opened and I never knew about it but when i went to check my credit again it said the discovery account had just closed on XXXX the XXXX 2022 and about a couple of days ago when i checked my credit again it said it closed on XXXX 2022. Which means my parent constantly is opening and closing the account in my name.

Company response to consumer: Closed with non-monetary relief