vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XXXX I began the process of working with XXXX XXXX XXXX to settle my debt. Lowe 's Synchrony Bank was one of the accounts. Synchrony agreed to a settlement in XXXX of XXXX ( proof provided ) and XXXX XXXX XXXX sent them a settlement payment through XXXX Financial which Synchrony process. Around XXXX of XXXX, I noticed a collection on my credit report from XXXX XXXX XXXX XXXX for the original Lowe 's Debt. Starting in XXXX, I contacted XXXX XXXX and provided several forms of evidence showing the debt was paid. XXXX XXXX  stated they purchased the debt in XXXX of XXXX. I submitted a Statement from XXXX XXXX XXXX  showing the settlement and payment, a letter from Synchrony accepting the settlement, a receipt that the payment was made for XXXX XXXX XXXX through XXXX XXXX XXXX, a bank statement from XXXX XXXX XXXX showing the payment made, and a copy of the check sent to Synchrony bank in the amount of {$1400.00} that was processed by Synchrony. XXXX XXXX still refuses to accept my evidence of payment and continues to send me letters or remove the collections from 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 non-monetary relief
Consumer complaint received 2023-01-12 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: MO

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXXXXXX XXXX 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2022 there was a withdrawal of {$500.00} that we, my husband or myself, don't recognize. As a result my husband called the bank immediately to report this and get a new card, which was mailed some days later but we're given a temporary number in order to pay with if it was necessary. My husband have talked several times with people at the bank asking for a *video* that was taken when at the ATM machine. These people have promised to look into that to no avail, at the every body refer that the transaction was done at that ATM without irregularities. They can not provide the video or they are unwilling to provide it. 
I hope that with your agency 's help they will provide it. 
Thank you in advance for your help.

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 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We received a call from ( supposedly XXXX Bank of America on XX/XX/2022. They said our checking account was showing suspicious behavior that was not our profile ( gambling etc. ) They said it was so extreme that they enlisted the government " social security '' to work with us. The " government '' told us that we had three hours before the transfers could be stopped, or the money would disappear. They said that the government has demo accounts all over the world and that we needed to transfer out money to a Bank in XXXX XXXX. We transferred {$97000.00} to the Bank in XXXX XXXX. We then got another call on XX/XX/2022 and were told that out XXXX account had been compromised and that we needed to send another {$97000.00}, again a wire transfer to a Bank in XXXX XXXX. On XX/XX/2022 we received another call from " the government '' about our XXXX account and we transferred another {$77000.00} to XXXX. When all contact with the " goverment '' ended we realized this was a scam. I immediately called Band of America on XX/XX/2022, spoke with a person named XXXX, and explained what had occurred. She told me the {$77000.00} was safe because I reported it. The money went out the next day. There are XXXX claim numbers associated with this, they are # XXXX, # XXXX, and XXXX. While I realize that fault lies with us, I also believe fault lies with Bank of America. The branch where I went had been recently reopened. While not being critical of the employees I believe that Bank of America should have trained them better to recognize fraud. Very few questions were asked. I am a XXXX XXXX XXXX women. I do not believe that Bank of America did a responsible job in assuring that these transfers were legitimate. Also, when I asked if Bank of America would listen to the recorded statement where I told the person on the phone about the {$77000.00} I was told I would have to do something on my own to open the discussion. I honestly can't say if I was told to get an attorney, or something else. I have talked with Bank of America fraud department ( phone number XXXX numerous times and have gotten nowhere. I received a letter from Bank of America saying that the first claim I submitted ( # XXXX ) had been denied. Other than that, I have heard nothing other than my phone calls to Bank of America where there has been absolutely no resolution offered.

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 2023-01-12 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: Millco Management
State: PA

Complaint narrative:
XXXX XXXX will not Remove my an account with adverse information. 
I have a collection that is only on my XXXX XXXX credit report from Amerifinacial Solutions, XXXX XXXX XXXX XXXX, MD XXXX. They state that I owe {$210.00}. I the consumer never gave written permission for this to be on my consumer report. Also XXXX XXXX states that " for any account that contains medical information, the information following 'Medical- ' is not displayed to anyone but you except where permitted by law. ". On my my report for Amerifinacial Solutions it states that this is originally from XXXX XXXX XXXX XXXX which clearly is medical. Anyone can see that this is XXXX. nowhere in my report is it stated that this is 'Medical- '. 
Also XXXX XXXX told me, the consumer that I must take this up with Amerifinacial Solutions, a company that i have never contracted with.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IL

Complaint narrative:
MBA LAW-I SENT IN A LETTER TO THE COMPANY ASKING FOR A COPY OF A CONTRACT BETWEEN MYSELF AND MBA WITH MY SIGNATURE, BUT HAVE NOT RECEIVED A RESPONSE OR A CONTRACT.

I HAVE NEVER HAD ANY BUSINESS WITH MBA AND DO NOT OWE THEM ANYTHING.

THERE ARE REPORTING {$410.00} FOR THIS ACCOUNT BEING OWED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-12 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Looked at my credit report XXXX a collection for {$1300.00} from I C system the debt trying to collect is not me I had XXXX / XXXX XXXX in XXXX moved to mobile in XXXX no social security number is required when opening the account therefore someone with same name had the account an it was tracked to me since I had service with the XXXX plus years ago I've requested a contract or something with my signature to verify the information & nothing was presented to me I C system never contacted me or sent a letter to me to for me to ask them for verification of the debt. Ok don't need to see a typed copy with just my name on it saying it's my debt I requesting a contract with my signature in pen ink saying I signed for the service if not please asking to remove the debt from 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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I received a consolidation loan from XXXX Bank and part of the loan proceeds, {$4900.00} were paid to Comenity Bank to payoff my XXXX XXXX XXXX account. XXXX Bank mailed the payment directly to Comenity Bank on XX/XX/XXXX, but Comenity Bank, never processed the check. On XX/XX/XXXX, XXXX Bank issued a replacement check payable to Comenity Bank and it was mailed by XXXX priority mail on XX/XX/XXXX with tracking to Comenity Bank. This payment was picked up by Comenity Bank at its XXXX post office box on XX/XX/XXXX as evidenced by a XXXX XXXX receipt. As of XX/XX/XXXX, neither, the original check nor the replacement check have been posted to my account at Comenity Bank. I have spoken to them several times over the last month, and they have never acknowledged having received the payment, and they have never provided a satisfactory response or try to solve this problem. 

Attached are copies off my documentation confirming my statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX XXXX Customer ( XXXX  ) Purchased XXXX at XXXX for {$5000.00} ( Contract for Services ) from Bank of America ( XXXX XXXX, VA ) Paid with Check Euros Arrived at BOA on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer has XXXX XXXX XX/XX/XXXX Bank ( Bank of American ( BOA ), XXXX VA ) returns Euros back to BOA Foreign Currency Exchange Customer Not Notified XXXX XXXX XXXX BOA converts XXXX to {$4900.00} and deposits to Customers BOA Account Customer Not Notified ( Two months after Euros returned ) XXXX XXXX XXXX  Customer attempts to acquire Euros at BOA ( XXXX ) Customer notified that Foreign Funds are held for 10 business days and then returned to BOA Foreign Currency Exchange . This term/condition is not stipulated when contract is made with the bank. This is in essence an attempt to modify the contract after execution. BOA has defaulted on the original contract. Customer neither signed, nor was presented any documentation with respect to BOAs 10 day hold policy. BOA sent no emails to customer attempting to notify him of this policy after Euros were purchased. 

XXXX XXXX XXXX Customer repurchases XXXX ( same number of Euros ) at XXXX for {$5400.00} Customer loses {$470.00} for same number of Euros purchased in XX/XX/XXXX Customer has requested a refund of {$470.00} for customers loss BOA ( XXXX ) referred customer to BOA Customer Service which referred customer to BOA Foreign Exchange Investigations XXXX XXXX XXXX XXXX Discussions with BOA Foreign Exchange Investigations states that BOA has right to change terms and conditions o

f Foreign Currency Exchange transactions. - Customer disagrees. Any stipulations on the exchange of fund, should be highlighted up front and any modifications after the fact modifies the conditions of the transaction. 
- Customer also contends since BOA had his email that an email notification would have been beneficial. Customer states that no emails were sent and BOA verifies this was the case. 
- BOA Foreign Currency Exchange states that terms and condition are up to individual bank and that any recourse needs to be communicated to them. BOA ( XXXX ) states that this is a corporate issue which needs resolution at XXXX. 
- Customer also questioned XXXX XXXX XXXX why they were allow to hold the Euros for almost two months before exchanging and depositing into Customers account. Clearly BOA Foreign Currency Exchange was holding because of favorable positive position - Customer requests refund of {$470.00} as BOA broke original terms of agreement costing the customer money.

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 2023-01-12 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
My XXXX XXXX was dropped XXXX XXXX POINTS for late payment. first off all, thats a ridiculous amount. second, there was no late payment and ive paid OVER THE MINIMUM AMOUNT EVERY PAYMENT. This needs to be fixed because that is a very drastic change for something thats not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Last XXXX, I took a trip to XXXX and XXXX XXXX XXXX XXXX XXXX luggage. I attempted to use the benefits provided to me with the Chase card I booked my ticket with to hopefully intervene on my behalf or to be reimbursed for my luggage. I filed a claim with them online but never received a response. Their customer service was extremely unhelpful or non-responsive. I haven't yet received closure with Chase and they never followed up with my claim. I was just made aware that I can file a complaint with CFPB. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 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: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/XXXX To legal Staff ; Discover Card You continue to send me new statements after 2 years of me making no payments because you closed my account in XXXX-I quit paying because of Covid and you charged this off. 
In XXXX of this year you sent me new statements and renewed my account-I did not sign anything to reopen this account. When you renewed my account in XX/XX/XXXX my credit score was XXXXyou now say Im 120 days late and continue to ruin my credit-down to XXXX now. I have disputed this wrongful reporting and seeking legal advice now. You have fraudulent added payments you are saying I paid from XX/XX/XXXX to XX/XX/XXXX ( My last payment to you was XX/XX/XXXX ) -but you show nothing before XX/XX/XXXX You have damaged me and either correct this report or I will seek damages against you. Im XXXX XXXX XXXX and my credit is ruined because of your fraud reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: Newport Intermediate Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions which I have not furnished.

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 2023-01-12 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions which I have not furnished.

Company response to consumer: Closed with explanation