vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 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: MD

Complaint narrative:
I have been reaching out to Bank of America for the past 8 months trying to get them to call XXXX XXXX. They told me back in XXXX I did not owe anything to them now its XXXX and I still have no been able to open and banking account nor have I been able to get restrictions lifted off of my account. I have been calling almost everyday and they have not resolved my issue or complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Trust Financial LLC
State: ID

Complaint narrative:
This complaint has 2 parts : XXXX XXXX XXXX split our family account into two separate accounts. Payments made were applied only to one account while the other grew delinquent. Then *both* accounts were sent to Rocky Mountain Recovery with a fee added. To me, its illogical that family accounts would be separated, its more illogical that both accounts were sent to collections despite payments being made to one. Theyre either the same account or separate, which is it? 

We paid this ~ {$1800.00} down from XX/XX/XXXX- XX/XX/XXXX, it is now paid off. 

The other part is the not my problem mentality I am getting from the medical and collection company. Ive contacted the doctors office and they claim they can do nothing and I need to contact collections. I contact collections and they repeat the same ignorant line with out giving a logical explanation Its our company policy not to remove items from credit reports ; I feel it is just laziness. 

I have fully paid what I feel is an incorrect debt from the doctors office and now I just want the items expunged from my credit report as it is affecting my financing options. I want someone to take accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ALLEGED DEBT BEING PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR HAVE ANY KNOWLEGE ABOUT ITS FRAUDULENT PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. I HAVE TRIED TO GET THIS ISSUE RESOLVED MULTIPLE TIMES I NEVER GOT THE RIGHT DOCUMENTS TO VALIDATE THIS ALLEGED DEBT SENDING AN INVOICE AND A COPY OF A LEASE IS NOT VALIDATION. I HAVE ATTACHED AN FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I didnt give permission to Designed Receivables for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: FL

Complaint narrative:
I've disputed the account XXXX XXXX multiple times and have yet to receive any results or response from the company. I am a identity theft victim this account is not mine and I never authorized this account to be created on my behalf nor did I benefit from this account in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
After American Express posted their interest charge to my credit card account, the very same day they proceeded to report my credit card status as " over the limit '' which dropped my credit score 25 points. The 2nd day after this event occurred, I paid the over the limit amount which reduced the balance below the limit. More than a week later, my account is still being reported as " over the limit ''. Therefore, an update to the credit reporting bureaus must be done immediately ( as quick as they were to report the over the limit status would be fair ) to reflect an accurate status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: AL

Complaint narrative:
Paid a debt to XXXX XXXX for XXXX for hospital bill from XXXX XXXX and the debt has yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
On XX/XX/2021, my full payment was taken twice electronically at Target Red card and when I called to have it refunded, I was told that I needed to conference call with my bank to receive a check in the mail. They would not electronically refund. They can debit and not credit? They clearly established my identity. Conference call? Really? This feels like a UDAAP violation. Are they doing it to collect the interest off the backs of taxpayers?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2021, I ordered online an ottoman from XXXX and paid for the ottoman with a {$420.00} charge on my Synchrony credit card, which was billed on XX/XX/2021. On XX/XX/2021, I received an e-mail from XXXX  directing me to schedule delivery of my XXXX shipment. Pursuant to the instructions I scheduled the delivery four times, but each time the delivery did not appear even though I had received written confirmation of the time and date of the delivery. On XX/XX/2021, I called Synchrony customer service to dispute the charge. After I received notices that my shipment had been delivered on XX/XX/XXXX and XX/XX/XXXX, I called XXXX  on XX/XX/2021, and told them the shipment had not been delivered and I no longer wanted it. The XXXX  person I spoke with told me that their records did not show the shipment had ever been delivered. Synchrony has permitted XXXX, XXXX XXXX XXXX XXXX XXXX, to rebill my account even though the " evidence '' XXXX submitted only showed that I had placed the order for the ottoman. There was no proof that the ottoman had been delivered to me and no signature from me which the XXXX instructions had said were required. On XX/XX/2021, XXXXXXXX XXXX attempted to deliver the ottoman, saying that it had been " lost, '' but I refused to accept the delivery. I have tried to resolve the dispute with numerous calls to Synthrony customer service, which has informed me that I am not allowed to speak with their dispute department.

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 2021-09-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This debt was paid in a settlement back in XXXX. The agreed upon amount was XXXX, which were to be made in 4 payments, which they were, would in fact settle this account. I noticed on my credit report that in the fact the opposite was reported. The account is being reported as a balance of XXXX still being owed which shot my utilization through the roof and lowered my score 76 points!!! 76 points!! I am in the process of closing on my home and this has not barred me from doing so!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This debt was paid in a settlement back in XXXX. The agreed upon amount was XXXX, which were to be made in 4 payments, which they were, would in fact settle this account. I noticed on my credit report that in the fact the opposite was reported. The account is being reported as a balance of XXXX still being owed which shot my utilization through the roof and lowered my score 76 points!!! 76 points!! I am in the process of closing on my home and this has not barred me from doing so!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In the last week, I have had over 15 phone calls, all with voicemails, from capital one. I'm only about 17 days beyond the due date of the bill. I've also never missed a payment before. The reason for the tardiness is that I began a new job and haven't received my first paycheck yet. As soon as I do, they will get paid, as I've told them. I've also gotten texts and emails almost daily. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identiury fraud and attempted to make several attempts to get this resolved with the credit bureaus. To date, I have not been successful. I have inquires on my report that are not mine, account and addresses. I have sent this form 3 times via mail and still nothing. I need help as this is damaging my report, BADLY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: OH

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identiury fraud and attempted to make several attempts to get this resolved with the credit bureaus. To date, I have not been successful. I have inquires on my report that are not mine, account and addresses. I have sent this form 3 times via mail and still nothing. I need help as this is damaging my report, BADLY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identiury fraud and attempted to make several attempts to get this resolved with the credit bureaus. To date, I have not been successful. I have inquires on my report that are not mine, account and addresses. I have sent this form 3 times via mail and still nothing. I need help as this is damaging my report, BADLY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
On XX/XX/2021 I a arbitrator that had formerly worked with XXXX  XXXX XXXX presided over a hearing between myself and a law firm that is trying to collect debt that i owed to XXXX  XXXX XXXX. The arbitrator agreed to be neutral in his renderings. I did not have a lawyer and the law firm was granted the award on the time barred debt. The law firm is threatening to add a second judgment to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valor Intelligent Processing, LLC
State: NY

Complaint narrative:
Valor Intelligent Processing is collecting a debt from XXXX. They say they are a XXXX party collection agency for XXXX, they told me they could settle the debt but they wouldn't let me pay for delete. When I questioned it they said things like, we can help you fix your credit if you pay this off today. I wish you would request the phone recording because what they did was either bad or in a very dark part of the grey area. Oh

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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:
I have unauthorized inquiries on my credit report.I believe someone tried to use my social security number for personal gain. On XXXX I sent a letter to the credit reporting agency regarding inaccurate & unknown items on my report and they have not responded and it has been exactly 60 days since then. Section 611 ( a ) states failure to investigate these items within 30 days gives a reason to immediately remove those items from my report so they should be deleted promptly. I demand these items be removed or I will file for litigation. My information was also impacted by the Equifax data breach and my information may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TX

Complaint narrative:
This is a complaint against XXXX XXXX XXXX. I already disputed the account from them, named XXXX XXXX XXXX with account number XXXX and it was deleted from my credit reports under Equifax and XXXX. However, on my updated credit reports dated XX/XX/XXXX, it appears to have been added again under the same name XXXX XXXX XXXX & is being reported negative but with different account numbers ( in Equifax it shows XXXX & in XXXX it's XXXX ) which resembles the same account number from the first one I mentioned above that I disputed and was deleted before ( XXXX XXXX XXXX XXXX ). I want this to be removed as it is very illegal to add on removed fraudulent accounts. When I spoke to them, they told me I was making a good financial investment and enticed me saying it has some tax benefits similar to owning a second home. During the presentation there was definitely pressure to sign up that day, 1 ) special pricing only applied to moment in time, once I left, price would go up, 2 ) they spoke about how XXXX was joining the suite of resorts and one negotiation complete the price would go up exponentially. They made it sound like a bonus that ownership passed to my heirs. I later found out that there would be no way for my eldest to refuse unless he refused the estate, this is a huge liability as my son & daughter are both XXXX XXXX and would not have means to pay maintenance fees or travel expenses to destinations. This forced liability was not disclosed properly. I've had difficulties with this such as in the first year, my maintenance fees were due in XXXX and then again in XXXX, this was a definite hardship. Also they advertised this as ownership similar to owning a him and there would be tax advantages but upon preparing my tax return, I learned that this was not the case. All I got from this timeshare are difficulties, I have XXXX/XXXX, XXXX XXXX  and having this timeshare just adds up to the stress & hardships. I'm also worried about the well-being of my XXXX XXXX XXXX children to be burdened with the forced inheritance of this agreement as per abovementioned. I've had the worst experience with this timeshare, finding out all the inconsistencies as time went on, the financial misrepresentations are infuriating, couple all of that with covid and there being only 2 locations in the continental US that I could have possibly utilized in XXXX and growing uncertainty if future ability to travel via airplane, it is a moot point to continue. They lied, they withheld important information & given my age ( XXXX ) at the time, I was simply defrauded & taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TX

Complaint narrative:
This is a complaint against XXXX XXXX XXXX. I already disputed the account from them, named XXXX XXXX XXXX with account number XXXX and it was deleted from my credit reports under XXXX and Experian. However, on my updated credit reports dated XX/XX/XXXX, it appears to have been added again under the same name XXXX XXXX XXXX & is being reported negative but with different account numbers ( in XXXX it shows XXXX & in Experian it's XXXX ) which resembles the same account number from the first one I mentioned above that I disputed and was deleted before ( XXXX XXXX XXXX XXXX ). I want this to be removed as it is very illegal to add on removed fraudulent accounts. When I spoke to them, they told me I was making a good financial investment and enticed me saying it has some tax benefits similar to owning a second home. During the presentation there was definitely pressure to sign up that day, 1 ) special pricing only applied to moment in time, once I left, price would go up, 2 ) they spoke about how XXXX was joining the suite of resorts and one negotiation complete the price would go up exponentially. They made it sound like a bonus that ownership passed to my heirs. I later found out that there would be no way for my eldest to refuse unless he refused the estate, this is a huge liability as my son & daughter are both XXXX XXXX and would not have means to pay maintenance fees or travel expenses to destinations. This forced liability was not disclosed properly. I've had difficulties with this such as in the first year, my maintenance fees were due in XXXX and then again in XXXX, this was a definite hardship. Also they advertised this as ownership similar to owning a him and there would be tax advantages but upon preparing my tax return, I learned that this was not the case. All I got from this timeshare are difficulties, I have XXXX/XXXX, XXXX XXXX  and having this timeshare just adds up to the stress & hardships. I'm also worried about the well-being of my XXXX XXXX XXXX  children to be burdened with the forced inheritance of this agreement as per abovementioned. I've had the worst experience with this timeshare, finding out all the inconsistencies as time went on, the financial misrepresentations are infuriating, couple all of that with covid and there being only 2 locations in the continental US that I could have possibly utilized in XXXX and growing uncertainty if future ability to travel via airplane, it is a moot point to continue. They lied, they withheld important information & given my age ( XXXX ) at the time, I was simply defrauded & taken advantage of.

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