vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit & Collection Recovery Services, Inc.
State: AL

Complaint narrative:
CCRSI has been harassing me over an unverified 7 year old debt for months. Today they contacted the medical clinic I work with, interrupting me as I was providing medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
Original XXXX  electric bill. I was moving and canceled my service, it was in XXXX and was laid off due to Covid impacts XXXX advised the are running a promo for people laid off due to Covid. You could pay one you got a job. XXXX XXXX. For {$590.00}. I thought that was nice in XX/XX/2021 I get a letter from a collection agency Diversified saying my account was sold to them and due now. Sure enough they slapped this on my credit report. Ive paid it right away. But I think this is bad business, and wheres the integrity makes it hard to trust. I spend a lot of time and energy on cleaning up my credit and they did this to me. XXXX needs to stand behind their word. Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was locked out of my email account last XX/XX/2022 and have been unable to contact XXXX after several attempts to gain access to my XXXX Email account. I have also contacted SYNCB because they have been billing me for charges made on the XXXX account on a PayPal Credit account. This problem has been occurring since XX/XX/2022, PayPal, SYNCB and XXXX have been notified of the problem and some problems have been addressed, however the charges continue and SYNCB continues charge me for late payments to a non-existent and unauthorized charges on this PayPal account. Please 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 monetary relief
Consumer complaint received 2023-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : 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 2023-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am NOT liable for this debt and do NOT have a contract with XXXX XXXX XXXX XXXX They did NOT provide me with the original application signed by me like I asked. 

Also, my rights are been violating by the credit bureaus according to the law and someone needs to hold accountable the credit bureaus for their malpractice. 

According to 15 USC 1681 Section 602 A States I have the right to privacy According to 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions According to 15 USC 1681b ( 1 ) The credit bureaus do NOT have no written permission According to 15 USC 1681s-2 A person shall NOT furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-27 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: Chime Financial Inc
State: MI

Complaint narrative:
Well on XX/XX/XXXX XXXX woke up and seen two transactions taken out of my account that were on authorize that total in the amount of {$810.00} XXXX instantly called Chime to file a dispute, letting them know that I did not authorize this transaction, nor have I ever used this website in which the unauthorized transactions were made. And the transactions were taken out at XXXX in the XXXX, and Ive tried to tell Chime that these transactions were not made by me, and yet they still decide to deny my dispute, and they have denied my rebottle. I am requesting that you guys please help me return my money to my account because it is affecting me daily without my money. Do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
After many attempts, I went to court, explain my situation. They continue to harass me after that they sent letters to my old residence, and I did not find out until the day I was supposed to get paid that they had garnish my wages I had to go to my old residence to pick up any remaining mail, which then I found that they went to court to garnish my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist Bank, my mortgage servicer, is supposed to pay my homeowner 's insurance policy premium out of my escrow account to my insurance carrier, XXXX. However Truist keeps putting a 'stop payment ' on the checks before XXXX can cash them. My insurance policy has now been cancelled due to non-payment. 

First check issued by Truist : Bulk check number XXXX dated XX/XX/2023 for a total amount of {$530000.00}. This check was for XXXX individual payments. XXXX could not cash this check due to 'stop payment ' by Truist XXXX 

Second check issued by Truist : Bulk check number XXXX dated XX/XX/2023 for a total amount of {>= $1,000,000}. This check was for XXXX individual payments. XXXX could not cash this check due to 'stop payment ' by Truist XXXX 

Third check issued by Truist : Bulk check number XXXX dated XXXX XXXX for a total amount of {$270000.00}. This check has not yet been cashed.

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
This was paid in full by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The collection company Westlake Financil placed a new collection on my credit report as if I opened an account. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit 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 2023-03-27 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: IL

Complaint narrative:
THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXXXXXX has illegally reported fraudulent reports to bureaus in different states that Im not responsible for. Fraudulent activity has occurred and has been charged off without verying the debt. 

XXXX XXXX is reporting inaccurate payments on a closed account. This account negatively showing when its closed

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 2023-03-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXXXXXX has illegally reported fraudulent reports to bureaus in different states that Im not responsible for. Fraudulent activity has occurred and has been charged off without verying the debt. 

XXXX XXXX is reporting inaccurate payments on a closed account. This account negatively showing when its closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: OR

Complaint narrative:
I have reconstructed events and discovered triple-billing, insurance fraud, elder fraud, and XXXX fraud by XXXX XXXX XXXX XXXX ( And possibly XXXX XXXX and Wakefield and Associates. ) See attached. This is more complete information and supersedes complaint XXXX and XXXX. XXXX XXXX billed XXXX XXXX the full amount of the ambulance bill, of {$940.00}. XXXX paid according to its structure on XX/XX/2023. ( See claim XXXX attached. ) XXXX XXXX then billed me for the copay of {$270.00}. I applied for its financial aid to cover the copay. ( Have my copy of the documents sent, dated XX/XX/2023. ) XXXX XXXX did not bill me further for the copay. Several months later, approximately XXXX, XXXX XXXX harassed me by phone for more bank statements " because we couldn't read them ''. It demanded more statements and demanded that they include every transaction. I have applied for financial aid from housing, food stamps, colleges, hospitals, and utility assistance for XXXX  years, and NONE of them ever demanded every transaction, but merely documentation of income and account balances. ( Which I had sent. ) I didn't send them, and XXXX XXXX did not bill me further for my copay. Apparently XXXX XXXX also double-billed the full bill it had sent to XXXX XXXX XXXX for that is the amount the wakefield and Associat4es collection letter dated XX/XX/2023 says " amount you originally owed : {$940.00} ''. This is fraudulent on the part of XXXX XXXX XXXX  : ( XXXX ) I never " originally owed '' the full amount ; ( XXXX ) it billed XXXX XXXX for that amount ; ( XXXX ) it then billed that amount by sending/selling it to a collection agency. This is insurance fraud, double billing, triple-billing counting Regence, collection and the copay ( though I got charity care with some harassment for more bank statements ) ; elder fraud, and XXXX fraud . XXXX XXXX, and then Wakefield, both in the same building, took part in this triple-billing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX  - XX/XX/2023 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I have tried for months to get a lower monthly payment through sallie mae. Ive been on hold for 30 minutes, hung up on, and told i wasnt approved for any type of help. I currently pay {$1000.00} a month. I make roughly {$2600.00} a month and can not afford that rate. They refuse to help in any way

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: NY

Complaint narrative:
I rented a car through XXXX while on vacation in California on XXXX XXXX 2022 to XXXX XXXX 2022. Following my trip, the owner of the car claimed false damage that I did not do. The original claim for repairs was {$1300.00}. I then received a supplemental report for further repairs needed in the amount of {$1600.00}. These charges are absolutely unjust. I provided proof that I did not do the damage. The company states the claim stands. I think this is completely unfair and unjust damage reports. I refuse to pay {$3000.00} for something I did not do. I want legal recourse to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am being told they will not honor my identity theft because I did not supply id. This is false I submitted my driver 's license many times to them. They keep making excuses, to not do their job. While yhey are destroying my life. Exsperian has caused me non recovery homelessness and emotional turmoil that is not fixable. The mental anguish is overwhelming. Wanting to XXXX XXXX. For feeling like a burden. They are absolutely discriminating against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN, XXXX, AND XXXX ARE REPORTING MISLEADING AND INCORRECT INFORMATION ON MY CREDIT REPORT. THEY ARE REPORTING A COLLECTION AGENCY NAMED XXXX ON MY CREDIT REPORT WHEN I HAVE NO ASSOCIATION WITH THIS COMPANY. THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX XXXX AND THEY SOLD THE ACCOUNT TO COLLECTION AGENCY DISTRESSED XXXX XXXX XXXX XXXXXXXX. YOU ARE ALSO REPORTING DIFFERENT DATES FOR DATE OF LAST PAYMENT AND DATE LAST ACTIVE. HOW IS THIS ACCURATELY REPORTING WHEN ALL DATA FURNISHED SHOULD BE CONSISTENT? THIS IS A COMPLETE FCRA VIOLATION INCLUDING REPORTING A DIFFERENT COLLECTION AGENCY FOR THIS ACCOUNT. I AM DEMANDING THAT THIS ACCOUNT IS DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Back in 2006, I lost my card with Bank of America which incurred fraudulent charges. I paid the fees Bank of America requested and was placed on the fraud list. I have been trying to get off the Fraud list since then. I can not open any personal accounts with other banks. I need this to be resolved.

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