vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: NC

Complaint narrative:
H&R accounts was contacted for a bill of $XXXX that XXXX XXXX XXXX XXXX XXXX   says I owe.Statement date:XX/XX/2019, that they mailed to me on behalf of them. With this bill I cannot read the bottom of the paper as it is too small to see to what number to call. But I called XXXX  and made a payment today on this amount oweing.  At the Emergency room I agreed Agreed to make monthly payments as I had a part time job AT THE TIME, but there was no set amount.  I do have existing medical coverage with my husband's employer XXXX XXXX, and did then.  There was no set date for the monthly payment as it was not offered to me before  I left the hospital that I remember as I was being treated for XXXX XXXX and was trying to keep from passing out.I have a job at XXXX XXXX XXXX XXXX XXXX  and make more money with more consistent hours. I have made a payment today for XXXX XXXX XXXX. I received this collections statement unduly to me as I was unaware that a specific day of the month needed to be made. I am on XXXX DAILY now as I had to get a family Dr. And I'm trying to get better . ALSO I was charged from XXXX XXXX XXXX   their expensive room E.R. without me knowing it until after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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:
The credit bureaus are reporting erroneous information 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 non-monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
See Attach Documents I open a checking********

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 2019-08-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XX/XX/XXXX my husband leased a XXXX XXXX XXXX through XXXX XXXX XXXX which is owned by JPMorgan Chase Bank.  The lease was for 3 years ending in XX/XX/XXXX.  Unfortunately, my husband died in early XX/XX/XXXX.  When I contacted Chase, I was put in touch with the Auto Recovery, Bankruptcy, Special Ops @ Chase which also handles Probate matters. On XX/XX/XXXX, I was told the account was being closed (discharged), but I could continue to make payments or go to the dealer and buy the car.  I continued to make payments, the latest one at the end of XX/XX/XXXX so the account remained current.  I did explore buying the car with the dealer, but the payments would have been twice the current payment.  I was also told by Chase that there were no WRITTEN polices or procedures that could be sent to me as "they didn't exist".  I would have to go by what they were telling me verbally on the phone while I tried to write down what they quickly rattled off legalese style.  I tried to explain that I didn't understand what was being said and, as I wear hearing aids, could they please slow down, but this didn't happen.  I spoke to 9 different people on 6 different days between XX/XX/XXXX and XX/XX/XXXX, getting different conflicting information every time.  I ended up frustrated, confused, scared, and finally angry.  I was told that I really needed to just return the car to the dealer, and as I was not on the lease, I was not liable for the car or any financing issues.  Chase was going to take the car back, inspect it for damage and mileage at their facility, prep it, and sell it at auction.  They would then approach my husband's estate for any shortfall.  They didn't seem to understand (or care) that while I was "not responsible" on the lease, that the money was ultimately coming out of my pocket.  No one could (or would) give me any idea of how much the "shortfall" would be.  They weren't even going to send a letter to the last address on file to let me know that the lease was bing discharged or anytime else until they had the car and I had signed it over to them.  I was given until the end of XX/XX/XXXX to turn the car in as the lease will be discharged at that time and the car will go into repossession mode with another whole set of fees.  I am feeling most uncomfortable about returning the car without knowing the price of my actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: WY

Complaint narrative:
This card is issued by XXXX XXXX XXXX pursuant to a license by XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX.XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Application Number XXXXXXXX, WY XXXXWe’ve helped protect your identity.Dear XXXX XXXX:We’re XXXX XXXX XXXX and we handle everything related to the XXXX XXXX XXXX credit card.We received the correspondence you sent to the Consumer Financial Protection Bureau(Ref. No. XXXX). You indicate an application was submitted for a XXXX XXXX XXXX XXXX XXXX credit card using your personal information. You did not authorize anyone to viewyour credit file and state it is a violation of the FCRA. You request documentation validating yourauthorization or the inquiry deleted from your credit file immediately.No account was opened in your name. We requested the credit reporting agencies remove theinquiry from your credit report. It may take up to 45 days for the credit reporting agencies to updateyour credit report.We suggest you take the following steps to help protect your identity: Place a fraud alert on your credit reports. A fraud alert tells creditors to contact youbefore opening a new account or changing an existing account. You can do this bycontacting any one of the consumer reporting companies mentioned below. The one youcontact will notify the others to also place an alert on their files.XXXX XXXX Equifax (CBI) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX0XXXX www.equifax.com XXXX File a report with your local police or the police department where the crime tookplace. Many police departments have a special Identity Theft Report that we recommendyou obtain to protect your rights. Visit the Federal Trade Commission’s website (www.ftc.gov/XXXX). It providesadditional information and helpful resources for dealing with identify theft.Please accept our apologies. We’re sorry for any frustration or inconvenience this matter mayhave caused you.If you have any questions, please contact our Account Protection (Fraud) Team at XXXX XXXX Sincerely,XXXX XXXXCompliance Dept. – Consumer Responsescc: Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION
State: NC

Complaint narrative:
My bank, BB&T, stated that my creditor, XXXX XXXX XXXX XXXX, debited their auto draft twice. Meaning that they drafted the $XXXX  payments two times. And the second one resulted in a insufficient funds draft that cost me $XXXX. BB&T has refunded the $XXXX, but has continued to state that XXXX XXXX  has received their payment. I called XXXX XXXX, for the second time this week, and confirmed that they have not received a payment. I asked BB&T why my online record does not reflect what they are stating and they said I have to go to a local branch to see the draft. I asked them, why? It is my account and if this charge has cleared then it should show that. I was given no answer to the question. This is not the first time I have had this issue with BB&T.XX/XX/19: Posted Balance $XXXXXX/XX/19: XXXX  charge -$XXXXXX/XX/19: Posted Balance: $XXXXXX/XX/19: Refund to XXXX +$XXXX:XX/XX/19: Returned Item Fee: -$XXXXXX/XX/19: Posted Balance: $ XXXXXX/XX/19: Deposit Transfer:+$XXXXXX/XX/19: Deposit Transfer:+$XXXXXX/XX/19: Posted Balance $XXXXXX/XX/19: XXXX - $XXXXXX/XX/19: XXXX - $XXXXXX/XX/19: Posted Balance $XXXXXX/XX/19: Reversal of returned item fee: +$XXXXXX/XX/19:  Posted Balance $XXXXIf XXXX  has received their payment why does their system still reflect our payment as late and why hasn't BB&T deducted their payment from my account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my account because I file complaint through XXXX XXXX against chase they have no reason to close my account when I spoke with claims they said I should not have file complaint against them she said I have unusual activity on my account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This is a new complaint against Wells Fargo Bank N.A , Wells Fargo & Company , Wells Fargo Credit Card Services , Wells Fargo Collections Department , and their involved agents and/or contractors and/or consultants and/or decision makers and it is in response to the misleading and/or non-truthful information made against my person by the above defendants and/or violators of many of my rights and in violation of many laws ( I attached a copy of Wells Fargo Bank feedback in reference to CFPB complaint XXXX which I rejected it at its entirely and I reserve my rights and I reserve the right to respond herein since that feedback contained misleading and/or lies about my person ). Today XX/XX/2019. I am complaining against the ability be named as defendants . I am complaining about their almost daily violations of my rights asserted by the Privacy Act . They are using my information left and right to cover up their retaliation against my person for engaging in protected activities (I complained or reported to regulators and government  about those defendants’ involvement in possible violations of different laws and their own consent orders with the CFPB and OCC . I also complained to regulators and government about their retaliation against my person continuously to the present and other complaints against them were made by my person and all were made with good faith and to defend the public interest first from their greed and corruption ...etc). All what stated in the attached file is rejected at its entirely and they are noticed of my rejection again via the CFPB . Your cover up tools, harassments, involving agents , lies and so many other criminal activities that you continuing to do against me will all fail so you be assured of that . Your Violations against me have serious legal consequences and you will be held accountable for them following role of law which I believe you are not following and your money , your connections , your illusive power will fail front of the role of law and the Constitution and the public and God is with me until you are defeated in a court of law. Keeping your provocations against me will not succeed. I reserve all my rights including the right to sue the violators . All stated herein is to my current state’s belief ,knowledge, and understanding and it is all subject to any correction or any change of any kind by my person or my representative or legal counsel and  at any time and without waiving my rights . Thank you ,Today XX/XX/2019.

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 2019-08-16 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: CA

Complaint narrative:
The credit bureaus are reporting erroneous information 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 2019-08-16 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: CA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I attempted to deposit a check into a Bank of America ATM that malfunctioned.  The willful failure of Bank of America to respond appropriately resulted in submission of CFPB complaint XXXX    on XX/XX/2019.Bank of America continued to refuse to respond appropriately in an attempt to prevent documentation of the matter; this willful failure of Bank of America to respond appropriately resulted in submission of CFPB complaint XXXX on XX/XX/2019.Bank of America continued to refuse to respond resulting in submission of CFPB complaint XXXX on XX/XX/2019.  Bank of America notified CFPB that he needed more time to respond to complaint XXXX (dealing with the apparent policy of Bank of America to prevent documentation of discrepancies) and on Wednesday, XX/XX/2019 yet another unintelligible message was left on my answering machine.  On that same date Bank of America also notified CFPB that it needed more time to respond to complaint XX/XX/1907.  Subsequently, there have been two more unintelligible messages left on my answering machine.  Bank of America became aware of its malfunctioning ATM on XX/XX/2019 and has spent:	1.	Over two months engaging in willful subterfuge, violating its own internal procedures in the process in an effort to evade culpability; and	2.	Over one month in continuous duplicitous attempts to avoid written documentation of its willful negligence and incompetence.Bank of America epitomizes the reason CFPB should receive increased regulatory authority.  It is abundantly clear that Bank of America believes its policies supersede current laws, rules, or standards.

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 2019-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
This company oportun XXXX XXXX XXXX XXXX CA XXXX put a XXXX XXXX   judgement against me for loan I never had I sent them my driver license ssn police report and sign afadavit this wasn't me I had my bank account debit and identy stolen they need to take this off asap .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Santander  repossessed  my vehicle  I was a month  behind. Truck  cost XXXX   had the  truck  for about 3 or four  years  they  repossessed  the truck  and  never heard  anything  else about it.  It does not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: Credit Plus Inc
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WYOMING XXXX  This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed: XXXX XXXX  XXXX XXXX XXXX MD XXXXXXXX XXXX Made by: XXXX XXXX XXXX XXXX XXXX, MD XXXX(XXXX XXXX  I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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:
XXXX  is reporting a fraudulent XXXX XXXX XXXX account on my credit file that was opened on XX/XX/XXXX.XXXX  and Equifax is reporting a fraud account from XXXX XXXX that was opened on XX/XX/XXXXXXXX is incorrectly reporting that my name is XXXX, XXXX, XXXXXXXX is incorrectly reporting addresses of XXXX XXXX XXXX and XXXX XXXX XXXXXXXX and Equifax is reporting a XXXX account on my credit file that don't belong to meAll 3 Credit Agencies are incorrectly reporting that I was late from XXXX to XX/XX/XXXX on my XXXX XXXX XXXX, please remove these inaccurate lates.All 3 Credit Agencies are incorrectly reporting that I was late from XXXX to XX/XX/XXXX on my XXXX XXXX Account, please remove these inaccurate lates.Equifax is reporting incorrect address:Incorrect Address: XXXX XXXX XXXXXXXX is reporting incorrect addresses:Incorrect Addresses: XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed: XXXX XXXX XXXX XXXX XXXX, MD XXXX(XXXX) XXXX-XXXX Made by: XXXX XXXX XXXX XXXX XXXXY, MD XXXX(XXXX) XXXX-XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, 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 2019-08-16 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed: XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX   Made by: XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, 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