vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Initially I filed a XXXX XXXX XXXX claim on XX/XX/2022 with Bank of America, regarding 3 XXXX transfer I made on XX/XX/2022, each of the transaction is {$2500.00}, so total of XXXX XXXX.After 2 months waiting, BOA cleared that the transactions were made to a mistaken account number, they will claim the fund back to me, and on XX/XX/2022, instead of getting my {$7500.00} back, Bank of America made 3 adjustments on my account, they have taken ANOTHER {$7500.00} away from my account without any notification, nor enquiry, nor authorization, it was just taken away. I called back on Bank of America right away, there's NO explanation why they took my funds away under my account, I did not even have access to talk to the department which took my fund away from my account. So in despite of lost total of {$15000.00} with Bank of America, I can't even get the reason why the bank took the funds away from my account, they just did it, this is not acceptable service standard as bank offered to customer, it is also not a safe, fair institution for people put money in. Please kindly give me assist with the situation. 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 monetary relief
Consumer complaint received 2022-05-25 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:
In accordance with the fair credit Reporting Act XXXX XXXX XXXX Account Number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2022-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NY

Complaint narrative:
I do not have a legal binding contract with L J ROSS ASSOCIATES, If they are licensed to collect a debt, please send me your license to collect a debt in New York State. you purchased this as a debt collection device to make money as a debt collector. You have 5 days to respond with a statement of account with a XXXX balance and remove any and all off my credit report. Failure to respond in 5 days is acceptance and failure to cure your dishonor will recieve notice and demand for XXXX in damages for violations included : Fraud, Extortion, Denial of Right to happiness and privacy, Dishonor in commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violation, FDCPA violations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: NJ

Complaint narrative:
I have recently broiught my credit report and have seen that there is a fraudulently credit card on my credit report and a loan that was taken out. which is XXXX XXXX and XXXX XXXX I'm not sure who did this was i have realize this a major problems and this needs to be handled immediatley.

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 2022-05-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTotal XXXX XXXX These companies have violated my rights 15 USC 1681 section 602 8 states I have a right to privacy.

15 USC 1681 section 604 A section 2 i, also states a consumer reporting agency can not furnish my account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Total XXXX XXXX These companies have violated my rights 15 USC 1681 section 602 8 states I have a right to privacy.

15 USC 1681 section 604 A section 2 i, also states a consumer reporting agency can not furnish my 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 2022-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
ARS Account Resolution XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$310.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

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 2022-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXX and XXXX XXXX XXXX collector First Federal Credit Control. 
Reply : If XXXX XXXX would provide proof of coverage for the XX/XX/17 date of service the creditor would accept that and we would remove the account. The account remains disputed. 

Attached HealthCare.gov coverage for the times specified. 
XXXX directly sent Proof of Coverage as requested by First Federal Credit Control and 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 2022-05-25 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: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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 2022-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Heartland Resolution Group, LLC
State: MO

Complaint narrative:
Heartland resolution group keeps calling me and letting it ring one time. They don't leave a voice mail and they don't give me time to answer the phone. This is harassment. I want them to stop calling me. When I called them back the person that answered just antagonized me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: FL

Complaint narrative:
1. In accordance with the Fair Credit Reporting act, XXXX  account # XXXX, XXXX # XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX  has violated my rights . 

2. 15 U.S.C 1681 section 602 A, states that I have the right to privacy.

3. 15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent.

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 2022-05-25 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have some credit inquiries that I do not recognize. They were informed only on XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Synchrony financial  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX Synchrony financial  - 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 explanation
Consumer complaint received 2022-05-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have some credit inquiries that I do not recognize. They were informed only on XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX CXXXX XXXX XXXX XXXX Bank of america - XXXX Bank of america 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 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
To whom it may concern : I am writing to inform you that I requested a chargeback from Trusit Bank, from a XXXX XXXX. For a XXXX XXXX  by the name of XXXX, it's a SCAM!! The merchant inaccurately described the merchandise or services, either in a written description or in a verbal agreement. The merchant advertises on XXXX as if they are selling you a XXXX XXXX bot, when in fact they are selling you a XXXX XXXX program. This XXXX XXXX is a scam. They are false advertising!! I was under the impression that I was buying a XXXX, when in fact I paid for a program that teaches you how to use a XXXX on a system that is not their Own! They never not once disclose that they were only a training program. I would not have purchased this program had I know this in the very beginning. This XXXX XXXX is not transparent at all, he is a marking scam artist. I want this {$1400.00} Robot I paid for or my money back!!! SCAM!!!! Obviously, theres a problem that needs to be addressed if this merchant is regularly providing merchandise or services that dont match the description. They advertise very strategically to lure you in to get your money. Then they make it very difficult for you to get your money back. I sent an email to them, requesting a refund. No refund was given. There refund policy is shady as well, with a hidden clause. They make everything sound so good. 30 days money back guaranteed, but you must prove that you could not use the system. Just one big advertainment scam!! Before they allow you to access any information on the platform, you have to sign an NDA agreement. Once you sign that agreement no refund, but there is know way for you to know what you purchased unless you sign the NDA. that's how they trap you and make receiving a refund impossible. Upon access to this information, I immediately realized I was Scammed!!! They do disclose that you will have to pay some additional money for software updates, but that additional money is actually for robots on another platform that they are affiliate marketers for. This program is nothing at all like advertise. They make you sign this sketchy contract with so many loopholes, but you don't realize what you have gotten yourself into until the damage is done. I want my money back!!! This whole program is a scam and very misleading!!

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 2022-05-25 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and 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 2022-05-25 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: CT

Complaint narrative:
XXXX sent an amount of {$140.00} to Wells Fargo as part of a fraud claim in amount of {$690.00} on XX/XX/22, check number XXXX, check was not cashed and supposedly rejected back according to XXXX XXXX, rep with Wells Fargo. I explained this information to XXXX rep, XXXX whom advised instructions received from Wells Fargo state to send remaining funds in XXXX accounts to Wells Fargo... I then attempted to reach back out to XXXX, several messages left, none returned, complaints filed in re and unresolved.. The reason to speak with him is to advise what XXXX rep stated and to provide his contact info to reach out. To date, I have been unable to reach XXXX or a manager on XXXX side to resolve issue of missing funds, the amount of {$140.00}. XXXX can be reached at XXXX should Wells Fargo rep have questions.

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 2022-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
In XXXX a coworker listed me as a reference for her car. I worked with her for maybe two-four months. I have told them since XXXX I dont not have any contract with her and remove me as a reference. They have continued to call. I have received four calls this year and I keep telling them to stop calling me. I have blocked every number they call from. They will not stop calling me, I do not know the lady to give them more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
ARS Account Resolution XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$1300.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

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 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo has not sent notice claiming I owe an amount of {$190.00} for closed account number XXXX. I was referred to account recovery dept without receiving any notice I owe this amount, account recovery was explained the debt is due to a credit reversal in amount of {$290.00} including two funds transfers in amount of {$50.00} bringing the amount to {$190.00}. I was advised to reach out to the merchant whom charge in amount of {$290.00} originated from, in which case, the merchant will not refund as they claim the item ordered was delivered correctly... The item was shipped via XXXX, driver has a habit of forging signature and leaving package where it can be lost/stolen as is the case with this transaction. Previously, driver signed for a package as " XXXX XXXX '', complaint filed in re, driver chose to sign for XXXX package as " XXXX XXXX '' due to complaint filed.. The package is nowhere to be found, disputed with Wells Fargo whom placed a temporary credit on account while researched, credit later reversed citing signature which is forged.. I never sign my name as " XXXX XXXX '' and it is not on file as such with Wells Fargo.. I will reiterate as I have before, I do not pay for items not received nor will I ever

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 2022-05-25 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: MI

Complaint narrative:
In accordance with the fair credit act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without 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 2022-05-25 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: MI

Complaint narrative:
In accordance with the fair credit act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I've requested the attached 1099 form showing a reported amount of {$5100.00} updated to show no such amount received, Wells Fargo replied by referring me to a tax professional. The tax professional as well as IRS reps advised the 1099 form needs to be corrected to show no such amount received. The amount, {$5100.00}, was sent to my old address, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, after I moved. The check was intercepted, signature forged, cashed at a XXXX. XXXX will not release funds as there are no funds in account which is now closed. Wells Fargo will not reissue payment, despite their error in sending to old address after moving, Further, they will not correct 1099 form to show no amount received...

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