vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 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: FL

Complaint narrative:
This is a complaint against timeshare XXXX XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax noticed that your scores dropped by 46 points on XX/XX/XXXX and must be confirmed or disputed by today here XXXX The above was a text message it said from equifax I received from XXXX.today and I believe it could be fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I made a payment through my web bill pay account at ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX in the amount of {$400.00} to XXXX XXXX Credit Card ( Synchrony Bank ). I noticed the payment was missing when I was reviewing to file my taxes. I disputed the transaction with my bank on XX/XX/XXXX but Synchrony Bank could not find the payment. Ever time Synchrony Bank charges me for the payment I file a dispute. My most recent dispute was filed at XXXX XXXX XXXX XXXX with a girl named XXXX and she told me XXXX XXXX XXXX XXXX  received notification from Synchrony Bank that the original payment was received back XX/XX/XXXX. I am so frustrated that the payment has not been found for the last year and two months.

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 2021-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a notice of my personal PIN for an debit card account at Branch Banking & Trust Co., XXXX, NC XXXX. 

I have NEVER been to XXXX, NC nor do I have any business with that corporation. 

I have tried to contact them by phone, but nobody answers their phone. 

I just want them to destroy any and all records in my name.

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 2021-09-20 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: IL

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 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Previous complaint submitted through your agency. ID # XXXX. 

Well 's Fargo credited a total of {$110.00} to my account on XX/XX/XXXX, but charged me {$71.00} for not paying the balance on my statement ( for XXXX ) I did not pay additional charges as these were the charges for late fees and interest that did NOT belong on the account. 

I spoke with representative XXXX, at Wells Fargo, this morning who says that the charge can not be reversed. To add insult to injury, if I were to pay the {$71.00} " other charge '' amount on the statement today, they would still add a {$40.00} late fee to my next statement for not including this amount in with my XXXX payment. I went over this with XXXX, via a telephone call that just ended minutes ago. She told me that if I logged in and paid this amount today, my next statement would be {$500.00}. ( My normal monthly payment of {$460.00} plus a {$40.00} late charge on a charge that wasn't supposed to be there in the first place ) What kind of interest or extortion is this with Wells Fargo? The late charges and interest were the error of Wells Fargo and now I am supposed to pay yet another ridiculous fee because the statement was already sent out? 

I want these charges removed from my account as this is fraudelent on their part. I had my windows replaced and have paid faithfully and on time every month. It is not right that they are charging me a fee on something that was their error.

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 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: PA

Complaint narrative:
On Friday XX/XX/17 we received an email that we joined Chime and an alert to a new login from Texas. We are in Pennsylvania. We never opened this account. The same day we emailed the support email and they asked for photo ID and SSN number. We told them no way. Then they asked for a photo ID and the last for SSN. We reiterated we did not open this account. They have not told us the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Both accounts are fraudulent, I want these 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 2021-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group
State: GA

Complaint narrative:
I sent out debt validation letter for multiple accounts listed on my credit report on XX/XX/2021. I sent the letters to address listed for Profit Services Group on credit report. They did not accept or pick up my letters and they were returned to me 30 days later.

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 2021-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Regional Management Corporation
State: VA

Complaint narrative:
Received an actual check and letter mailed from Regional Finance to my address. The check is deceptive and is intentionally created to easily fool and take advantage of others by not realizing this is a personal cash loan. This was a pre-approved cash loan offer for {$2400.00} which I did not apply for. The sole intention of this letter and check is to take advantage of others especially stating to deposit the check at any bank. Monthly statements will also not be issued, causing victims to not realize this is not an owed check to them, but they are instead entering into a loan unknowingly and unwillingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: TX

Complaint narrative:
This letter is a formal complaint that you are reporting the reporting agency have violated 15 US Code 1681b As a consumer, I never gave the reporting agency written consent to report anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: MD

Complaint narrative:
Please disregard previous complaint ( XXXX ) as I checked the wrong box [ Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) ] ; Whereas I shouldve checked the box-Credit inquiries on your report that you don't recognize, as I did with this complaint. See attached for additional information.

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 2021-09-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Ballybunion Enterprises, Inc
State: CA

Complaint narrative:
I paid my accounts in 2013 and all of them are still on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I went to pnc for my credit card and paid them in the branch for the amount owed in XXXX now they are saying that Im 2 months late which dropped my credit score. And it never deducted. Which is messing up my whole business. I contacted them and told them. They said they needed a receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AR

Complaint narrative:
Hi earlier this month, I paid a 5 dollar fee to have a replacement card sent out and the card was supposed to arrive within 3 to 5 business days. The card hasnt arrived, and I have had no access to any of my money for weeks. Due to an issue with my phone company, I am not able to call the company to discuss the issue by phone, but I have contacted the company through the bbb, and have not heard from the company this time. I have had similar issues with this company multiple times in the past with my money being put on hold in some sort of way without me being able to access it due to an issue on their end, and it felt like it was being done on purpose. For some reason, I keep having issues with things that should be simple

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been paying my Best Buy store cared every month, but I become more in debt to them every month. I owe them $ XXXX right now even after paying my month bill. The debt is pilling on top even though I don't use the card at all that month. Apparently, I have been charged for a debt protection that ranges from $ XXXX every month. I absolutely NEVER agreed to pay this monthly charge. I've actually, had more than one card do this to me at a time. Whomever signed me up for this charge is a fraud! Best Buy/Citi Bank is known for doing this. I'm not working right now and this is overwhelming debt must stop pilling up on me. I've tried to work it out with Best-buy with absolutely no help at all. Please help me. This is a fraud. 

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 explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Markoff Law LLC
State: MI

Complaint narrative:
Agreed on payment plan XXXX frist payment due XXXX amount XXXX. 
Remainder of XXXX in monthly payments of XXXX. In XXXX of XXXX received a copy of request and writ for garnishment for income tax. For XXXX. I called on XX/XX/XXXX they could not find no record of payments at first after some time on tbe phone it was found and they apologized for the mistake. At that time I was tild I only owed XXXX. And was tild I was ahead in payments. I do not work regularly and have sent larger payments when I could. Received a nother letter in XXXX. Dated XX/XX/XXXX motion to set aside orders for installment payments. I happen to call them on that date to find out balance before knowing this was in my mail box. And was told I owed XXXX. They again could not find records off .my XXXX payment was told i only had payed a little over XXXX. I had to go to the bank and send cooy of the chk. On XXXX received a letter from court i have to reply in 14 days and again the amount is XXXX. I have called the debt attorney twice have not been called back. I have called and talk to customer service 3times and email cooy of payment. This has been awful stressful and has made me sick. According to my records Im ahead in payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20 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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a formal complaint that you are reporting the reporting agency have violated 15 US Code 1681b As a consumer, I never gave the reporting agency written consent to report anything 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 2021-09-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing the complaint against Equifax, XXXX, and XXXX because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
on XX/XX/XXXX NAVY FEDERAL CREDIT UNION committed fraud freezing my account the amount of XXXX on the behalf of a non government officials child support enforcement agency which is a debt collection agency i contacted NAVY FEDERAL multiple times in regards of my account i told them this anti money laundering they are committing pursuant to 18 usc 1956 all they did was give me a number to call the agency to set up payment with them this is considered racketeer influenced and corrupt organization because ether of the companys can provide me any contract about this alleged debt Navy federal is completely liable for the garnishment of my property i also intend to notify the federal trade commission as well check attachment of deceptive form pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted Bank of America to dispute a transfer made from my employment benefits accounts of {$1500.00} and XX/XX/XXXX I received two deposits each for {$1500.00} one as a temporary credit from Bank of America and another from my benefits. On the same day another transfer of {$3000.00} was transfer to an external account without my permission. My account has a balance of {$0.00} snd Bank of America say it will take up to 45 days to complete their investigation. I am broke without food and need access to my benefits.

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 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I feel that Wells Fargo May be acting unlawfully please see attachments for more information

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 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: VA

Complaint narrative:
I am filing this complaint because First Progress has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation