vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX. 
I hope all is well. 
Please note that I have been trying to verify and validate the accounts listed on my credit report since XX/XX/2022. 
There is no information about the creditor, yet it is still being reported monthly to my report. 
These XXXX medical accounts are being reported to Equifax and XXXX only and are set to fall off next year. 
I've had full XXXX coverage for the last XXXX years and checked to see if anything is owed since this charge has been on my report. There is nothing that is owed to any medical establishment/hospital. These bills are so low ( {$100.00} and {$270.00} ). See attached, it would make sense to just pay them but again there is no information on the creditor. Can this please be removed from XXXX and Equifax. 
Thank you and have a wonderful day. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I went to use my BJs card and it was denied. So embarrassed. I called the company they said I never sent in a payment. They received my payment of {$750.00} on XX/XX/22. They said sorry we are updating our system. Meanwhile they wont let me use my card, they can not tell me when they are going to find the money and it is going on a month. This is Comenity Capitol Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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: OH

Complaint narrative:
Disputes was sent in regarding a account on my credit report that was in accurate, I sent the bureaus this time and time again and nothing was ever done since I started this complaint. There was no disputes shown on this account. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) is the law that I feel they are not abiding by. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
The amount showing that I owe is not correct My date are not accurate through any of the bureaus. There is also a law stating that all bureaus need to be all 100 % accurate and reporting the same. 
The open date is incorrect, the last payment date is not the same, last verified date is inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Disputes was sent in regarding a account on my credit report that was in accurate, I sent the bureaus this time and time again and nothing was ever done since I started this complaint. There was no disputes shown on this account. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) is the law that I feel they are not abiding by. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
The amount showing that I owe is not correct My date are not accurate through any of the bureaus. There is also a law stating that all bureaus need to be all 100 % accurate and reporting the same. 
The open date is incorrect, the last payment date is not the same, last verified date is inconsistent.

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 2022-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I sent Medical Data systems a request to cease communications and to provide me with the documentary evidence that I owe the alleged debt listed on my consumer reports and they never responded OR ceased communications and are still illegally reporting the debt. The FDCPA states that the word communication means " the conveying of information regarding a debt directly or indirectly to pay person through any medium ''. This means when I said to cease communication, that meant relaying this alleged debt to the consumer reporting agencies as well. 

Please also note that they are REQUIRED under the FDCPA to remove ALL accounts if they are not able to provide the verification or judgement pursuant to 15 USC 1692g.

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 2022-07-21 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: FL

Complaint narrative:
XXXX XXXX is being reported as inaccurate on my credit report. 

In accordance with the Fair Credit Reporting act XXXX, Account : XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-07-21 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: Nelnet, Inc.
State: GA

Complaint narrative:
XX/XX/2008 I went to the XXXX XXXX XXXX XXXX XXXX XXXX to talk to the financial advisors about enrolling in their program.. during my consultation I was strongly advised to register that day due to fees and admission exams being waved but they couldnt promise this if I decided to wait to enroll I was told that the financial aid wouldnt take long to apply for only 15min after explaining my credit was not good I was told no worries we can find a program to put you in I applied they told my I was awarded full pell and what my pell didnt cover I was awarded student loans only after the first term did they tell me that you miss a hr of a course you would time out and have to retake the class.. they then advised if you cant make it DONT come on the first day of the class because once you sit in the class and dont finish because you miss an hr you will have a failed grade they never said or explain they would charge twice for these classes if you choose to sit out so as to not get a failed grade after my first year I found a school in my area that was only {$5000.00} for the entire program I wanted to transfer but was informed that my entire cost of {$60000.00} for the school I was currently attending i would be still liable for even though I had 16mo left in the program.. which made me have to stay due to the financial strain once I graduated they told me I owed {$60000.00} I asked them how this was possible if I was awarded full pell.. I asked them to explain what my pell paid they refused to explain, told me I signed the contract, they stop returning or answering my calls and I have never been able to pay $ XXXX {$800.00} dollars a month since graduation this has kept me from getting a home, I have suffered in my relationship my mental health and financially since attendance of XXXX XXXX XXXX XXXX I would have never went if I knew I would have to pay the total amount of {$60000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: AZ

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
XXXX to present. Guild Mortgage has issues with releasing held insurance funds so we can rebuild our home after a disaster we have supplied ALL receipts for all costs, taxes, permit fees, school taxes and to date repair costs In 2020 my home completely burned down in the XXXX XXXX. I have never missed a mortgage payment and my credit score is an XXXX, We owe {$320000.00} on my note and property value is {$780000.00} according to XXXX. 

my insurance company has sent {$610000.00} to my lender of which my lender has released only {$220000.00} leaving {$380000.00} in the repair account. 

Now we have spent {$290000.00} that includes {$61000.00} of our own money and guild will NOT release any more of OUR money which i need to continue my rebuild. 

now guild has some convoluted formula for releases but the point is they are holding {$63000.00} more than is needed to pay off the note which is va guaranteed. 
We have submitted ALL BILLS to guild to show that we are acting in good faith that with our payment history and credit score they need to release money so we can continue to rebuild.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My car was repossesed on the night of Monday the XXXX without any notice. I did not receive any notice, trackable or otherwise, regarding this impending repossession. Had I, I would have taken every action to prevent it. 

I am hoping to get the vehicle back and I am willing to work with JP Morgan to get my account up to date and can make another down payment by XX/XX/XXXX. The amount they are asking for is however impossible. 

I called JP Morgan on the XXXX and they told me that I would have to pay the full amount ( around {$21000.00} ) left on the loan. 

Per Massachusetts Law, I believe I am also allowed up to 20 days to pay the loan. They did not give me this. I was informed of the amount due on the XXXX of XXXX and asked to pay by XX/XX/XXXX. I have included an audio of them informing me of these terms. 

I have spoken with a lawyer and he strongly believes they are placing these impossible conditions due to the vehicle shortage currently occurring. He advised me to reach out here. 

I am hoping for assistance advocating for myself in this situation and mediating with JP Morgan. Any assistance is truly appreciated- thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: VA

Complaint narrative:
On XX/XX/2022, I sent Transunion a dispute letter, via USPS certified mail, disputing fraudulent accounts/information, that was a result of identity theft. Despite sending the dispute letter, providing proof, and requesting that all fraudulent accounts/inaccurate information be removed from my credit report, in accordance with the Fair Credit Reporting Act 's guidelines, Transunion has refused to remove the aforementioned accounts/information, and has instead verified accounts/information, that is the result of identity theft, as accurate. The fraudulent accounts, which were not opened by me, are XXXXXXXX XXXX ( XXXX accounts ), XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX There were also fraudulent charges made to existing accounts, which caused, fraudulent delinquencies. These accounts include XXXX XXXXXXXX XXXX ( XXXX accounts ), XXXX XXXXXXXX XXXX  ( XXXX accounts ) and the XXXX XXXX XXXX  It has been 50 days and Transunion refuses to resolve this issue. FCRA states that any account that can not be verified and that is fraudulent must be deleted. Transunions willful neglect of the wrong information on my credit report is not only damaging my ability to acquire credit, but is a violation of FCRA. These accounts need to be deleted or I am fully prepared these take matters to the court, retain counsel and sue for the states maximum for each violation of FCRA.

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 2022-07-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
The card was turned down at a movie theatre on XX/XX/22. I called the number on back of the card and the recording said the card was invalid. I went online several times on XX/XX/22 to enter the card information and the prompt said the system was experiencing problems several times and to try again later. I called the numbers listed on the Vanilla Gift Card and they were both incorrect. One number was a XXXX company and the other was a XXXX XXXX XXXX company that said I needed to listen to their offer first before assistance and when I questioned them they hung up on me. Impossible to get live person assistance after trying numerous times. Please help me in what appears to be a dishonest company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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 — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I contacted Citizen 's Bank on XX/XX/XXXX after receiving a notification about a purchase on my Citizen 's Bank+ credit card. Upon logging into my account, I noticed a total of six fraudulent charges made to my account. Four of these charges ( made in XX/XX/XXXX ) were made prior to my credit card with Citizen 's Bank even being issued to me in XX/XX/XXXX. I have been able to get 3 of the charges credited back to my account ( 2 were credited back automatically as soon as the charge was made, and 1 was credited back after my first phone call to them ). 

As of today, XX/XX/XXXX, no department at Citizen 's Bank that I am able to speak with over the phone is able to give me a status of whether this is being resolved or any sort of timeframe. I keep getting passed from one department to the next, usually ending with one department disconnecting my call and me spending 2+ hours on hold to call them back. They do not seem to be making any attempt to rectify or even investigate this situation or to refund me the {$180.00} that I am still owed back from the three fraudulent charges that they are not working to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo reported inaccurate information on my credit report. 

In accordance with the Fair Credit Reporting act XXXX, # Account : XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: NC

Complaint narrative:
Someone has been perpetrating me and still my identity and applying for credit from major agencies, such as XXXX XXXX XXXX, Self Financial, XXXX XXXXt, and XXXX XXXX XXXX. I have been a victim of Fraud and need immediate assistance. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, Equifax and XXXX are reporting the following account from XXXX XXXX XXXX inaccurately. XXXX XXXX XXXX cancelled this debt in XXXX and filed a form 1099-C with the IRS for the entire balance, As a result my taxes due increased by over {$2000.00} which I had to pay. Further the last payment on this account was in XXXX, XXXX which means next month ( this XX/XX/XXXX ) the account is more than XXXX XXXX XXXX and must be deleted from my credit report anyway. 
In the meantime, I am asking for this account to report correctly and after XX/XX/XXXX removed from my credit report. I am also requesting if XXXX XXXX disputes my claim for them to forward to me the entire payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted 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 non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have opened an XXXX account ( XXXX XXXX XXXX ) in Bank of America in the late XX/XX/2022, for the opening account bonus ( XXXX dollars deposit for the XXXX dollars incentive with 90 days maintenance ). To meet the requirements, I used ACH transfer to deposit XXXX dollars. I did not receive the bonus after that long period ( from XXXX to late XXXX ) and I called the stuff for my case. Then they told me that my transfer is not a kind of deposit ( where they think I need to deposit money to the account from ATM ), so I do not meet the requirements at all. I did not receive any notification for it during such long time. I checked the offer carefully, and it only showed " deposit a new money ''. From the definition of deposit : " One kind of deposit involves a transfer of funds to another party for safekeeping. Using this definition, deposit refers to the money an investor transfers into a savings or checking account held at a bank or credit union '', I do believe my ACH transfer belongs to a deposit and meets the " deposit '' requirement. But BOFA stuffs refused to pay me the incentive and told me it is just because the ACH transfer is not a deposit. I think it is too mean for the explanation after I put such amount of money in their bank for a long time. Nowadays, many people have money in different accounts/banks, so it is normal for people to move money from different places with ACH transfer as a deposit method to meet some opening account requirements ( like XXXX bank XXXX XXXX, they account ACH transfer is a kind of deposit when I finish the similar deposit offers ). 
I have never seen such harsh conditions. Please help me for this case. Thanks

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