vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank ( XXXX fXXXX ) designed this online payment system XXXX XXXX XXXX XXXX XXXX XXXX XXXX doing its best effort to keep every " purchase credit plans '' on the accounts as long as possible with well-designed payment allocation algorithm which leads to revolving and never ending interest charges to its consumer customers. 

==details=== ================ PROBLEM XXXX XXXX Plan # XXXX has been credited from a returned merchandise in XX/XX/XXXX. The statement listed a credit of - {$1100.00} on statement XX/XX/XXXX page XXXX but still have remained on the account ever since, which resulting the past payement not applying towards the correct plans ( # XXXX, # XXXX, etc ) and therefore had incorrectly accured interests of at least {$670.00} + XXXX by far as of the end of XX/XX/XXXX. 

Request # XXXX - asked TD Bank to correct and reverse the charge of plan # XXXX from XX/XX/XXXX and remove that from the account. this should issue my account with a credit of {$1200.00}. 

Request # XXXX - asked TD Bank to reverse the accured interested charge of following : Plan # XXXX ( # XXXX ), for {$330.00} ( XX/XX/XXXX ), and Plan # XXXX ( # XXXX ), for {$330.00} ( XX/XX/XXXX ) TD Bank refused to assist further. refused to open statements and transaction history over 12 months. refuse to solving the issue. 

=============== PROBLEM # XXXX credit plan # XXXX was a {$1.00} transaction made on XX/XX/XXXX additional XXXX warranty plan or sort. this {$1.00} transaction has been kept on the account for 18 months and start recurring rolling interest charge. I have never default or behind on any payment. My account has been paid on time and above minimum payment ever since I started new account with XXXX XXXX XXXX XXXXD Bank retail ). 

=============== PROBLEM # XXXX Customer service lines are not readily available enough for public consumers. Calling in is the only way of customer service contact, but it's very difficult to get someone online answering the call. typical calls would keep you wait for 30~60 mins to get someone answering the calls.

Customer service line manager would not come to the phone to customer. Customer service line do not make outbound calls. they do not call you back if they hang up on you. 

=============== PROBLEM # XXXX The " CREDIT PLAN Number '' are not consistent and very confusing. they could change from one bill to another. just so the customers could not find a clue of what's really going on. 

=============== PROBLEM # XXXX confusing online branding and identity, with very confusing customer service points of contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY

Complaint narrative:
For the past 5 years I have had my yearly XXXX XXXX screening at XXXX XXXX XXXX, which has been in the network of my insurance. Following the XXXX XXXX XXXX I had on XXXX, XXXX, XXXX XXXX XXXX recommended a follow-up diagnostic XXXX XXXX XXXX The diagnostic tests were performed on XX/XX/XXXX. However, XXXX XXXX submitted its claim to XXXX, my current insurance provider, under the name of one of its radiologists who was not in XXXX network ; therefore, when XXXX processed the claim my copay was higher than expected. I chose XXXX XXXX XXXX to perform my yearly XXXX XXXX screening because it was part of my insurance network. I am willing to pay the copay designated by XXXX for providers in the network ( see attached ). On XX/XX/XXXX, I communicated to a XXXX XXXX XXXX representative the fact that the bill was submitted out of the network ; she said that it wasn't. The same day I was told by a XXXX representative that she was going to have XXXX XXXX XXXX resubmit the claim because indeed it was part of the network. I received a debt collection letter from Balanced Healthcare Receivables dated XX/XX/XXXX, requesting {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did provide me with the original contract as i requested.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did provide me with the original contract as i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I value Credit Bureaus help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I want to make this clear to Credit Bureaus that my Only Name is XXXX XXXX XXXX and my Home Address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, NC XXXX. 
The following Inaccurate Information listed below must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX, the following Items must be deleted XXXX XXXX XXXX Balance : {$110.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2024-06-04 00:00:00
Product: Credit reporting 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:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting 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:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate. 

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate. 


As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate.

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate.

As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I want to make it clear that this message is sent independently and not on behalf of any XXXX  party. Recently, I conducted a thorough examination of my credit report, and I was deeply concerned to find unverifiable, invalidated, inaccurate, and questionable entries. It appears that your agency, responsible for ensuring the accuracy of consumer reports, has not fulfilled its duty to ensure the complete accuracy of the information it reports. 

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to implement reasonable procedures to ensure the highest level of accuracy regarding individuals ' information in the consumer reports they generate. 

As a consumer, I am entitled by law to a credit report that is XXXX  % accurate. I have been requesting that the credit reporting agencies review my disputes and update my reports accordingly. Please take the necessary steps to update and remove the accounts and items listed in the dispute letters attached. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have several strong credit reviews from Bank of America XXXX XXXX and other cards that said I could prequalify which is a lie because they hurt my credit and it is not fair to give false information between prequalifying and sending a forced credit application

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account XXXX : XXXX Account 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 non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Aldous and Associates left a message saying that they were a law firm. I returned their call and they claimed that I have a debt with XXXX XXXX. I do not have a debt to XXXX XXXX. The membership was paid in full. I requested the information to pay the debt. They refused to acknowledge my request. Then they told me that they would damage my credit by reporting it to my credit report. I am a veteran trying to buy a home. I ended up paying a debt that I do not believe is mine, I was ignored when I asked for all of the documentation, and they threatened to harm me financially by reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JNR Adjustment Company, Inc
State: CA

Complaint narrative:
Unfair Damage Charge by XXXX I am writing to file a complaint against XXXX for charging me for damages to a rental car that I did not cause. I rented a car from XXXX, and upon picking it up, I noticed that the vehicle was already damaged. Unfortunately, there was no one present at the XXXX XXXX when I picked up the car to report the existing damage. 

I attempted to contact XXXX multiple times via phone to report the damage, but I found it incredibly difficult to get in touch with anyone. Despite my efforts, I was unable to speak with a representative to address the issue at the time of pick-up. 

Now, XXXX is trying to charge me for the damage that was present before I rented the car. They claim that the damage was not reported at the time of pick-up, but as I mentioned, there was no one available to whom I could report it. 

This situation has caused me considerable stress and inconvenience. I believe it is unfair for XXXX to hold me responsible for pre-existing damage and to attempt to charge me for something that is not my fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I am due a refund from my Escrow account. I have been waiting for a month and a half and the only information the lender ( CHFA Colorado Housing and Finance Authority ) will provide is that the " check is in the mail. '' I did not receive the check within the 30 day delivery period, and now they are telling me a reissued check will take up to 60 days. They refuse to validate the address they are sending it to, and refusing to offer tracking on the check delivery. I do not believe they are trying to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I rarely used this particular card and prior to being charged I received an email that my payment was processed successfully which I thought was odd. So I logged in and found charges to this card along with a significant late fee of {$30.00} for charges relating to two charges of {$1.00} each. I paid the charges in full but these charges are fraudulent and so is the resulting late fees associated with it. I have noticed lately that because I have gotten older that these companies think they can take advantage of you and use tactics that are completely dishonest and get away with it. 

I have had issued with these credit card companies and have cancelled them with only two exceptions and now I am cancelling this second to last one. 

The company is XXXX XXXX XXXX and should you require any further information and I will be more than happy to provide it

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 2024-06-04 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: ME

Complaint narrative:
My account was used fraudulently to purchase make a concert ticket purchase of XXXX dollars. No big deal I was able to gain back access to my email and worked with XXXX XXXX to send them the tickets back so they couldnt be used and the fraudster didnt get the tickets. They told me because it was fraud I have to dispute it with the bank no matter what and that rest assured Id get my money. Fast forward a year later and going on 5 disputes reopenings and nothings happened. My disputes get denied with the same saying there wasnt enough evidence. Yet Ive talked to XXXX XXXX  each time and they have said that there should be no reason the dispute is denied and that this bank isnt even reaching out to them. On this last time I had a specialist finally call me back from the bank and she even agreed it shows they havent reached out to the bank and this all makes no sense as why its being denied. She assured me shed fix it and it would get situated. Two months later its denied yet again. This is the worst customer service from a bank Ive ever experienced. My next step is legal if they dont fix this now Im sick of dealing with this Ive spent 11 plus hours on the phone, a year with XXXX worth of money held it isnt fair. I will be asking for more for time and suffering. After making a complaint with the XXXX my dispute was yet again denied. I called the merchant and they said they still havent been contacted. All the bank will do is say theyll escalate it and someone will call me yet no one ever does. Doesnt provide any reasons why they decline the dispute. Ive requested to be sent the evidence they have and they never sent me it. This is the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

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.

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 XXXX years. 

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 non-monetary relief