vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX in connection with the emergency room fee they assigned for bringing my daughter in. They charged {$1500.00}, for 5 minutes of a consultation with a doctor, who said my daughter 's fever was not an emergency. 

I called and asked for an itemized invoice, trying to understand how 5 minutes with a doctor who essentially told me not to worry, that my daughter was fine, could cost {$1500.00}. The response I received was that that was the flat rate the hospital charges my insurance company. There was no other reason for that amount. 

To charge {$1500.00} for 5 minutes of a doctor 's reassurance is unconscionable. The hospital is unwilling to reduce it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 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: VA

Complaint narrative:
Case was originally opened under CFPB Case : XXXX and Capital One Case : XXXX. I received an letter which was also uploaded into this cfpb system stating that my accounts were eligible for SCRA benefits and we enrolled. I called to pay off the remainder of the debts to be determined following a recalculation of the new amount due only to find that Capital One only applied SCRA benefits on the account ending in XXXX. The account ending in XXXX was not recalculated and the file was documented as " no adjustments to be made to account. '' I am a Ohio resident and SCRA applies to all debt prior and during military service. The interest rate for this account should have been capped at 6 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have sent several letters to letters to the Midland company in regards to said debts owed it's owed and for them to validate which they refuse to acknowledge and keep sending an automatic one page statement. This is not proper communication or collection methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: NY

Complaint narrative:
I have attempted to file a dispute from a company that is refusing to let me use a service for a travel package that previously bought. The reason chase said that chase stayed was the train was due to timing. That means Im being penalized because the United state postal service is taking long to deliver mail which is unfair. They refuse to submit a new claim on the charge over the phone. The original charge was XX/XX/XXXX the dispute happened after I tried to reach out to the merchant in XX/XX/XXXX. They didnt receive my mail until XX/XX/XXXX when it was supposed to have reached there by XX/XX/XXXX even though I sent it before that date. The amount is XXXX. I literally sent them the email that states that Im not eligible for the resorts from the merchantbut they say thats not enough documentation the company isnt even in existinance anymore it was bought and its a different company that has different rules which further shows that I cant even get what I originally bought.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: WI

Complaint narrative:
I have been disputing the bankruptcy on my credit report since XXXX because Transunion keeps stating their investigation results indicates the information was verified as 100 % accurate, timely and fair. However, we all know that's not the case because as I was already advised, that the bankruptcy courts should be the only data- furnisher and they do not report any information to any credit reporting agencies neither do they report to any third- party agencies such as XXXX XXXX and XXXX. I contacted the Bankruptcy Courts via-telephone and in writing XX/XX/XXXX and received a copy of the letter from the Bankruptcy Courts indicating the above. The letter has been sent several times but it appears as if they are refusing to review my information but have no problem sending a generic e-Oscar letter outlining the procedures of how investigations work. 

As a final attempt to resolve this matter voluntarily, I sent a certified package XX/XX/XXXX requesting a Reinvestigation and Method of Verification to include the following : The complete name of the courthouse, person they contacted and verified the dispute with, the address, the telephone number along with the documentation used to verify the dispute. However, still refuses to provide me with the information I requested. They sent a copy credit file # XXXX which included another generic XXXX letter explaining the bureaus procedures but not the procedures they followed for my investigation. 

The severity of this matter is serious since according to the FCRA and the agreement with the Attorney General they are to conduct an independent investigation. Transunion doesn't care about what they are reporting on a consumers report and they are in violation of non-compliance for FCRA section 609 a ( 2 ).

I am requesting that this inaccurate information is removed from my report, and upon completion provide a full printed complete and updated copy of my entire credit file.

Thank you for your attention to 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 explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I purchased a cameo silhouette off of XXXX XXXX XXXX XX/XX/2020 never received my product asked for a refund never received my refund. I disputed it with my bank my bank found no error and told me I was not receiving my refund. There's almost a year later and I still have not received my product or my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Two credit cards were applied for an opened up in my name on my Bank of America account. As soon as I noticed ( today, XX/XX/21 ) I contacted Bank of America and had the accounts closed. They told me to report it as identity theft 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 non-monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I successfully applied for a credit card at the Bank of America in XX/XX/XXXX. At that time I was a non-resident alien and didn't have an SSN. Later I got my SSN. I reported my SSN to Bank of America in XX/XX/XXXX. 

After that, the Bank of America closed my credit card without any notification. I noticed that I can no longer use my credit card, so I made a phone call to the customer service at the Bank of America. The customer service operator told me that I should wait for a letter that requested additional information. But I never received the letter. 

Since then, I contacted the Bank of America multiple times, yet no one told me what I can do, or should do, or whether they can re-send the letter. In XXXX, my credit card was closed, which also resulted in a huge drop in my credit score. In my later conversations with Bank of America, they do not acknowledge any responsibility nor do they provide any feasible solutions, except convincing me to submit new applications that were denied again and again because of multiple reasons including that identity can not be verified, which is due to that I did not reply " the 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 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO BANK closed my account, each had a balance which I got a notice that I would receive a check within 90 days, it's been more than 5 months! I've already submitted a complaint to them 3 months ago, to which they said they would solve, but they lied, they're lying, and manipulating just to have this complaint closed, I called customer service more than 100 times, nothing has been done at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I loss 36 FICO points in XXXX because Wells Fargo decided to close all their lines of credit accounts. I am not concerned that they decided to close all credit accounts l just want my 36 points reinstated. It ook a lot of hard work and sacrifices to obtain those points and based on one lousy line of credit the bureaus just takes my points like that! Why are consumers being punished for the banks past transgressions.

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 2021-11-01 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Summary of Events Comenity XX/XX/XXXX : I spoke to a Resolution Specialist named XXXX, ID XXXX, regarding my account and the 60 days late payment. I explained that because of COVID my income took a hit when my finance lost his job. I was told that after making my account current the two payments reporting late for the months of XXXX and XXXX would be updated and reflect as current on my credit report. I paid {$120.00} by phone to get my account current. She also suggested that I contact the company 's Credit Reporting department and make them aware of the situation. 

XX/XX/XXXX : I wrote a letter to the Comnenity 's credit reporting department letting them know about the situation. 

XX/XX/XXXX : Comnenity responded that they will not make any adjustments to my payment history. 

XX/XX/XXXX : I sent a formal dispute letter to Comnenity Bank asking them to remove the derogatory comments on my XXXX and XXXX file regarding the two late payments. I also asked them to remove the two late payments showing on my XXXX file. I also included the HERO Act bill that suspends negative credit reporting during the COVID 19 pandemic, explaining to them that they were acting unlawfully by reporting negative information. 

XX/XX/XXXX : I sent formal dispute letter to XXXX as well stating the same information in regards to the HERO Act. 

XX/XX/XXXX : Comenity updated my XXXX credit report and it now shows that my account status is current. However, this was never the problem. I asked that the two late payments be removed. They are still showing on the credit report and have caused my credit score to drop. They have also caused another bank ( XXXX XXXX XXXX ) to close one of my credit cards which has inadvertently hurt my score. 

XX/XX/XXXX : Instead of updating the comment section ONLY to show good standing in payments on my behalf, Comenity updated my XXXX and XXXX credit report to show late payments for the months of XXXX and XXXX. ( Before the month of XXXX and XXXX were blank ). This has not helped my credit it has hurt my score even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX/XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: CA

Complaint narrative:
Last year I discovered a false account with XXXXXXXX XXXX and XXXXXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX/XXXXdenied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX/XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.

Complaint narrative:
I am a victim of identity theft and my information was compromised in XX/XX/XXXX. This included my social security number number and my former address. Several accounts have been opened in my name that I gave no authorization to. A previous XXXX account was opened in my name with a debt that I had written and attributed to identity theft, as I have not used XXXX in years. A letter was mailed to my parents residence with my name on it dated XX/XX/XXXX, from Credit Corps Solutions, stating a debt of over {$500.00}. I am an American citizen living in XXXX, and have not used XXXX in years. I am not responsible for this debt and it was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
We are in the process of closing on a house. We have excellent credit scores and are putting 20 % down. After meeting all of the conditions stated in our conditional approval the bank went to schedule an appraisal. The first appraisal was ordered on XX/XX/XXXX to be returned on XXXX XXXX. It was cancelled by the appraiser. A second appraisal was scheduled for XX/XX/XXXX. It was cancelled by the bank. A third appraisal request went out XX/XX/XXXX but we did not see a scheduled date as it cancelled almost immediately by the bank. A fourth appraisal request went out at XXXX XXXX XXXX XXXX. We talked to the appraiser on the phone at XXXX XXXX. He stated that he accepted the job at XXXX XXXX  on XX/XX/XXXX and it was cancelled before XXXX XXXX by the bank. Prior to starting the appraisal process we had no issues with the approval process. However, we corrected our loan application around XX/XX/XXXX to update one of the loan applicants race information to XXXX as it was previously noted that all applicants were white. Shortly thereafter we started to notice issues with getting our appraisal done with the bank constantly cancelling the appraisal orders. The bank is refusing to approve the loan without an appraisal even though all applicants have strong credit scores, no missed payments in their financial records, and are putting a 20 % down payment on the house which is a single address ( one household ). We have repeatedly called and emailed the loan officer and rest of the team at the bank requesting updates since we were made aware of the issues with the appraisal on XX/XX/XXXX. Additionally, we received a call on XXXX XXXX from one of the bank processing officers that our loan was on track. We asked about the XX/XX/XXXX appraisal and were told it was still on. However, the sellers realtor had talked to the appraiser and it had already been cancelled before XXXX XXXX. The loan officer at the bank claimed she first heard of the cancellation on XXXX XXXX. We emailed the loan officer on XX/XX/XXXX and she responded that she would have her manager call us with an update from a senior management official at the bank. The manager did not call on XX/XX/XXXX so we emailed the loan officer again. Two minutes later we received a call from someone who handles missed mortgage payments who knew nothing about our loan application and said they did not handle that area. We do not know for sure, but believe that race may have played a part in our difficultly in closing the loan. PNC Bank is stating that our closing date is XX/XX/XXXX. They moved our closing date prior to us even getting an addendum to our purchase agreement, when the loan officer stated that they could meet the XX/XX/XXXX close date. We have consistently told the bank that we will lose the property and that we are in the dark. No one has provided us with answers or a solution to our issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: Granite Edvance Corporation
State: LA

Complaint narrative:
XXXX XXXX I sent an affidavit to federal student aid via fax successfully sent. I also contact Granite State Management to cease and desist all communication but received a text message stating that my payments restart afterXX/XX/XXXX. According to congressional terms promissory note is defined as an instrument that evidence a promise to pay a monetary obligation does not evidence an order to pay and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. This is clearly stating that no money is owed under an consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am a member of Experian Credit works. I am given 3 bureau scores and Experian reported my scores as XXXX Experian XXXX XXXX and XXXX XXXX. Today I attempted to apply for a mortgage and was declined since my Experian score was reported to the lender as XXXX Experian and I believe XXXX XXXX with a free on XXXX. Experian is not providing accurate data and as a result I now have an additional hard inquiry. This company should be investigated as they charge for this program and are providing misleading information to consumers. Moreover on several previous attempt Experian refused to remove incorrect information on my 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 2021-11-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 explanation