vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Management, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I disputed a collection from A-1 Collection agency on my XXXX credit report. On XX/XX/XXXX the collection was deleted as a result of the dispute, with confirmation number XXXX. On XX/XX/XXXX the collection reappeared on my credit report. I did not receive notice from XXXX within the 5 day window as required by the FCRA. The collection was deleted as a result of the investigation dispute, not as a result of non-communication, ( wherein a collection can be reinstated if the agency responds within 35 days ). Therefore, this reinsertion is incorrect and must be deleted as stated in the result of the dispute.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is utilizing an incorrect name I've reported it 3 times to this agency, and has it attached to my credit report. A file a dispute on XXXX it was completed on XX/XX/2022. Notifying that Account # - * The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE and that If an item states " Deleted '', we have removed it from your credit report and taken steps, so it does not reappear. It has never been deleted of report and when I reached out twice, they stated I have to refile a dispute. That the collections agency replaced it on the credit report. I have checked every day since the XXXX we are on the XXXX it has never been removed of the report. I ask to speak to management I was placed on hold and hung up on both times. They are reporting inaccurate information even when we provide written documentation, and they find and confirm that it is inaccurate they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Total Card, Inc.
State: MS

Complaint narrative:
My wife " had '' A total XXXX XXXX. I was a user on her account. It was closed out for non payment. We started working on our credit. I was approved for a total XXXX card with my wife as a user. The card is 5 or 6 months old. XXXX charge on card each month. 300.00 limit. I pay 40 or 50 monthly yet my available credit never goes down. I am never given full use if the card. My wife believes they are taking our payments and applying them to her old credit card charges that have been charged off and the card sold to a debt collector. The company will no longer acknowledge my wife as a user on this account, they won't give me access to my statements online or via phone. I Believe we are being fraudulently used by the credit card company. And they refuse to remove my wife 's information with me as a user on her old card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
this bank chg a interest fee on amt due XX/XX/XXXX, the whole amt was paid on that date, new bill for XXXX show a interest of XXXX and chg

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is related to my Chase Auto Loan below : XXXX Number : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Experian never reported my auto loan & my auto loan never appeared on my Experian Credit report XXXX 

This auto loan does appear on my XXXX XXXX XXXX report. I would like Experian to adjust/amend my Experian report to reflect my XXXX auto loan, as it was a loan in good standing for approx. 18 months, never late. 

I have tired working with Experian directly, and also with XXXX, but to this day, Tuesday, XX/XX/XXXX, this issue is not resolved. 

Please help. 

XXXX XXXX XXXX, TX, 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 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I contacted Capital One and requested that they provide me proof of the debt by providing me the original contract and they did not. During this time that they said I open the credit card the apartment complex mail boxes were broken into. I never had a credit card with Capital One and they have not provide valid information to prove that this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello I have tried for XXXX week to get money returned to me from closed account from Bank of America I had a checking account which was closed Bank of America stated they will mail out a check on XX/XX/XXXX As of XX/XX/XXXX I have not received this check. When I inquired about this I was told I would need to wait 120 days before a stop payment can be issued. 
I am not sure why my money can not be returned to me and definitely do not understand why this process takes 120 day to complete. 
I also requested the money sent electronically but this can not be done either. 
I believe I have been very fair about this but this matter need to be resolved. 
I am requesting for Bank of America to refund my money approx. XXXX dollar immediately not 120 days from now. 
Any help or suggestion you can provide would be greatly appreciated Please contact me by email XXXX Thank You 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 monetary relief
Consumer complaint received 2022-01-18 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: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed 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 2022-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
In XX/XX/2019 I lost my job. I kept trying each month to redo my IBR and it kept getting denied. None of the representatives would tell me exactly why. After having to defer my loans for about 5 months as I finally found a job, I was told it was because my husband needed to go to the studentloan.gov website and sign in to co-sign. I was told previously that he would receive an email. He did not receive any emails. They never told me he had to go log in and accept. This caused me to go from owing {$99000.00} to $ {$130000.00}. {$40000.00} in interest when they could have told me what the issue was all along. They also didn't tell me that the interest rates were that high! This seems very underhanded and I would like to have the interest expunged from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: MI

Complaint narrative:
All XXXX Bureaus collectively have refused to issue proof or methods of verification for items I have disputed with them. They continue to send what is seemingly an automated response without addressing my questions or concerns. 

Instead of providing the requested info they keep stating that it has been verified or previously handled. No additional information for methods of verification or proof of an investigation at all. 

Per the FCRA SECTION 611 ( SCREENSHOT PROVIDED ) I am allowed to submit a request a description of the reinvestigation procedure. It should be granted the first time without me having to file complaints.

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 2022-01-18 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: MI

Complaint narrative:
All 3 Bureaus collectively have refused to issue proof or methods of verification for items I have disputed with them. They continue to send what is seemingly an automated response without addressing my questions or concerns. 

Instead of providing the requested info they keep stating that it has been verified or previously handled. No additional information for methods of verification or proof of an investigation at all. 

Per the FCRA SECTION 611 ( SCREENSHOT PROVIDED ) I am allowed to submit a request a description of the reinvestigation procedure. It should be granted the first time without me having to file complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I looked at my XXXX credit reports. I have paid off more then 75 % of my debt. My scores went down. This not only does not make any since but needs to be stopped and corrected. All XXXX credit agencies are worthless and wrong. 
Legal action needs to be taken against them. 

I am going to look into taken legal action against them. How can it be I paid off over 75 % of all debt and not only is it not shown but your score goes down.

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 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
This is my second complaint regarding this situation. 
I made a deposit on XX/XX/XXXX in the amount of {$7500.00}. This is the same deposit I make EVERY month. The check was received ( confirmation e-mail received from US Bank ) the deposit was then accepted by US Bank ( confirmation e-mail received from US BANK ) on XX/XX/XXXX. The e-mail stated the money would be available WITHIN ONE BUSINESS DAY. Today I checked my account and the balance still isnt updated. I called US BANK and was told a hold was placed on the deposit and would not be available unlit XX/XX/XXXX. I asked why when the e-mail I got said it was accepted and would be made available within one business day. The rep told me a hold was placed on it AFTER that. I NEVER received any notification of any such hold being placed AFTER the e-mail notification that the money would be available within one business day.

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 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Citizens bank Total debt In rearrs due to bank overdraft policies, I could not take out money but they allowed hundreds of dollars of auto pay withdrawal from my account be paid from XXXX on until they put my account in to collections I ended up with a XXXX plus debt and they also garnished a 1 week worth of work during covid that I was still not collecting unemployment or pua benefits from my separation from work date on XXXX and then garnished a XXXX dollar check from working for a day labor employer they have been the reason that I could not get essential debt assistance from nonprofit organizations and I will have to work with a cfpb.gov agent to go over their flagrant disregard of financial hardship of a customer who repeatedly asked for assistance haven have to email an executive at the XXXX XXXX NY headquarters with still no assistance actually only adding more frustration of the local branch being even more unwilling to work with me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc.
State: AR

Complaint narrative:
I took sick in XXXX of 2021 and had to go to the emergency room twice. I do not have insurance at the time so I had over XXXX in medical bills. I applied for financial assistance through the hospital and was approved for assistance. 
I then sent copies to the different companies that were trying to collect money for the bills as well. My debt is paid but they will not remove them from my credit report because " charity '' paid the bill. This has caused my credit score to drop over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I applied for a XXXX credit card for BP gXXXX XXXX for my business, XXXX XXXX XXXX in XX/XX/2021. I received conditional approved status. I could pay a partial deposit of various amounts or I could personally guarantee the account. I chose to pay the partial deposit in the amount of {$200.00} on XX/XX/2021. After a few months I never heard anything back so I begin to contact the representative that helped me. I could not get in contact with her via email nor call. I emailed and calld over five times. So, in roughly XX/XX/2021 I contacted the general number and made a complaint and notified them I wanted my money back since I never received a card. The lady I spoke to said the representative I had been speaking with would get back in contact with me. I never received any communication back.

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 2022-01-18 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: NJ

Complaint narrative:
I XXXX XXXX XXXX, am filing this dispute for my self. I have reviewed my credit report and am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior 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 explanation
Consumer complaint received 2022-01-18 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: NC

Complaint narrative:
I am having an issue with the credit bureau company Transunion. I have disputed inquiries that should not be on my bureau with no response from them. The inquiry dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not obtained or tried to obtain any credit with lender or creditors. I have not signed anything to obtain any credit. These inquiries should be removed immediately.

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 2022-01-18 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX Mortgage Account # No. XXXX XXXX. The bank rejected the XX/XX/XXXX loan payment. 

Loan payments are on time if they are paid within the 15 day grace period. 

I paid the XX/XX/XXXX payment in XXXX installments, the first installment of {$1000.00} was paid on XX/XX/XXXX. 

The balance due of {$560.00} was paid on XX/XX/XXXX As the total due was paid within the grace period, it was on time. 

The bank acknowledged the receipt of the payments- see Account Details 0n XXXX On XX/XX/XXXX, the bank rejected the first installment and returned the payment. They claim they can not accept a payment amount of less than the payment amount due. There is nothing in the mortgage documents that requires this. Of course, this payment made on time has become delinquent This was a surprise as I had paid my XX/XX/XXXX in installments within the grace period and the bank accepted the payments and recorded the payment as on time - see XXXX -XXXX Attachments XXXX -XXXX  Letter refusing XX/XX/XXXX payment

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 2022-01-18 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: CT

Complaint narrative:
Hi XXXX, XXXX, and Transunion ; I was going through my credit again today and noticed XXXX negative accounts on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Each of those accounts is reporting multiple inaccuracies such as different dates from last active, last reported last payment, questionable balance, and the charge off balance are questionable. 

How come there are accounts in charge-off but I never received XXXX from the original creditors? How come you said you verified these XXXX accounts but yet it continues to report with multiple inaccuracies and violations? 

XXXX # XXXX Collection {$3000.00} ; XXXX OF XXXX # XXXX Charge-off {$83.00} ; XXXX XXXX # XXXX Charge-off {$3700.00} ;

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 2022-01-18 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: CT

Complaint narrative:
Hi XXXX, Equifax, and XXXX ; I was going through my credit again today and noticed XXXX negative accounts on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Each of those accounts is reporting multiple inaccuracies such as different dates from last active, last reported last payment, questionable balance, and the charge off balance are questionable. 

How come there are accounts in charge-off but I never received XXXX from the original creditors? How come you said you verified these XXXX accounts but yet it continues to report with multiple inaccuracies and violations? 

XXXX # XXXX Collection {$3000.00} ; XXXX OF XXXX # XXXX Charge-off {$83.00} ; XXXX  XXXX # XXXX Charge-off {$3700.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I've contacted Community Bank numerous times via phone and mail to fix inaccurate information being reported on my credit report. I have not received a response back. I've submitted messages via the secured message as well, and was told that I needed to contact the company via mail for the disputes at which I stated I have numerous of times, and still haven't heard a response on having the inaccurate and false late payments removed from my account.

Company response to consumer: Closed with explanation