vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Date of Transaction : XX/XX/2022 Amount Paid : {$820.00} I purchased a gas XXXX chainsaw. The item was poorly packaged and was received damaged in shipping. According to amazons return policy this particular item is not eligible to be returned ( due to it being a gas powered product ) instead it is eligible to be refunded or replaced if the item is received damaged or defective. When I contacted amazon they said they would not do either of those things and told me to contact the manufacturer. the manufacturer said that since it was damaged in shipping to contact amazon. Amazon again would not do anything. I opened a dispute multiple times with the amazon store credit card issuer Synchrony Bank. They have sided with amazon every time even though amazons response didn't pertain to the dispute whatsoever. Furthermore they would never contact me about the dispute via calls or emails the last time and let the issue lapse.

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 2022-06-23 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account numbers, has violated my rights. 
XXXX Account XXXX XXXX XXXX. XXXX Account # XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX  Account # XXXX XXXX ACCOUNT # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX 15 U.S.C. 1681 Section 604 A States that I have right to privacy.

15 U.S.C. 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish a account without without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account numbers, has violated my rights. 
XXXX Account XXXX XXXX XXXX. XXXX Account # XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX ACCOUNT # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 604 A States that I have right to privacy. 
15 U.S.C. 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish a account without without my written instructions.

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 2022-06-23 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have attached files which includes all updated personal information Sincerely, 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 2022-06-23 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: NC

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have attached files which includes all updated personal information Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/17 order placed for XXXX lipstick on XXXX shipping address was XXXX XXXX XXXX XXXX XXXX OR The package was delivered to arizona address. 
filed a complaint with XXXX but they wont refund filed a dispute with Wells fargo and was not accepted. 

As a buyer on XXXX using a wells fargo credit card I am protected for this type of mishap. XXXX should be refunding me my money and taking it back from the seller for item not delivered. 

WF dispute # XXXX Status : Closed - Dispute Declined Transaction, XXXX XXXX XXXX XXXX CA XXXX Amount XXXX {$3000.00} Claim XXXX Status : Closed - Dispute Declined I have attached a copy of the receipt ( XXXX pages ) which shows ON THE LAST page the shipping address for the order. 

I also attached a copy of the tracking. 
Shipping address was to : OR Items delivered to : AZ

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 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lewis, McDonnell & Associates
State: CA

Complaint narrative:
They have called numerous family members say they are serving my papers and pressing legal action. Back in XXXX I started a payment plan with them and paid a large amount over time. But they keep harassing me when I told them I was struggling with money. They started calling family members again and blowing of their phones and mine. They have put me down when I told them I couldnt afford XXXX plus a month. I told them I have a family and daily life. I want them to leave me alone. I contacted out to an attorney for harassment creditors and he said the company calling me does not have a open law license in the state of California and they are scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX SERVICES XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXL XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NC

Complaint narrative:
I have recently been informed that there is negative information reported by the Following companies in the file you maintain under my Social Security number : XXXX ) Account name : XXXXDEPT OF ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX. XXXX, XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : US DEPT ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT These accounts were opened FRAUDULENT There are errors within the account information Upon reviewing a copy of my credit report, I see an entry listing CLOSED OR COLLECTION, such as I owe said amount or my account was charged off said amount ] in [ month/ year ]. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with [ name of creditor, collection agency, or court ] and provide me with copies of any documentation associated with this account, bearing my signature.

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 2022-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
I received a letter in the mail to collect a debt from a collection agency ( Dynamic Recovery Solutions ) dated XX/XX/XXXX, however, I did not receive it until XX/XX/XXXX. 

The debt is from XXXX XXXX XXXX, XXXX for {$2000.00}. I never once received a medical bill from XXXX XXXX XXXX XXXXXXXX regarding said debt nor do I recall visiting a facility that is in connection with XXXX XXXX XXXX XXXX. 

When I contacted the collection agency ( Dynamic Recovery Solutions ) on XX/XX/XXXX, I advised them to send me an itemized statement showing me what the debt was for and which XXXX XXXX XXXX XXXX XXXX XXXX sent the bill to collections. There are multiple XXXX XXXX XXXX, LLPs. I received a response from the collection agency on XX/XX/XXXX. The collection agency could not provide me with any of the requested information. Instead, they just told me that it was from service on XX/XX/XXXX. This also doesn't make sense as to why I NEVER once received a bill from service on XX/XX/XXXX from XXXX XXXX XXXX XXXX and why I would just now, 4 years later be receiving a collections notice regarding a bill that I never once received or knew existed. 

I am refusing to pay said debt considering I never once received a medical bill from XXXX XXXX XXXXXXXX for the service date of XX/XX/XXXX. Not to mention, even if this was an actual medical bill I had received, there is no way my insurance wouldn't have covered a vast majority of the cost. I have never had a medical bill over {$500.00}. 

So please, I am requested to not pay this debt. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent at least XXXX written requests to Experian to update my personal information to only include the current address where I live. I specifically asked them to remove all other addresses from my consumer report and they failed to do so. I also called several times, and the issue still remains. I downloaded my credit report last night and there are still 10 addresses listed on my credit report where I can not be reached. 

Please see attachments

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 2022-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Federal Savings Bank at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX has failed to issue proceeds from a deceased 's account in accordance with the final order of the XXXX XXXX. USAA retains these funds without explanation or corrective action. The funds of the deceased, XXXX XXXX ( account ending XXXX in the amount of {$25000.00} ) were to be distributed as 50 % to XXXX XXXX and 50 % to the Estate of XXXX XXXX per the Final Order of the XXXX XXXX. The certified court order was mailed to USAA XXXX XXXX on XX/XX/2021. USAA Bank issued a check in the amount of {$25000.00} on XX/XX/2021 payable to the Estate of XXXX XXXX and mailed this check to XXXX XXXX. XXXX XXXX could not do anything with this check because the XXXX XXXX did not authorize establishment of such an account per Summary Probate process in Florida. No Bank will set up such an account without XXXX XXXX authorizing such. The check as issued is not viable. The check was returned to USAA received there on XXXX XXXX. XXXX XXXX has explained this in numerous telephone calls and letters. USAA continues to hold the funds without explanation or correction. The last indication that USAA was doing anything was an email received XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX that she was researching the matter and she would be in touch. XXXX XXXX has not been in touch despite numerous telephone calls. The Judge for the Probate of the XXXX XXXX has held 2 Order to Show Cause Hearings wanting to know why funds have not been distributed to the XXXX XXXX as Court Ordered. The heirs are without funds ordered to be paid them and expenses are piling up as legal fees and court time are devoted to finding out why USAA has not complied with a court order. USAA has been advise that the Judge has set Orders To Show Cause Hearings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions

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 2022-06-23 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions

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 2022-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
XX/XX/XXXX Disputed with XXXX and BOA -no action taken BANK OF AMERICA XXXX {$0.00} showing LATE payment XX/XX/XXXX this payment was not late Please remove and update my file

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 2022-06-23 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Nordstrom/TD 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2022 I received an alert via text and email possible fraudulent changes were being attempted. I called the bank and spoke with a representative stating I did not make said charges and asked if the charges went through. I was told no. I informed the representative I had downloaded the card on my XXXX XXXX  during the account set up and I had not physically received the card in the mail. I ask that a new card be sent to my door instead of the mailbox as I live in a HOA and the mailboxes are are placed in certain areas of the community for access. I received my new card and all seemed to be in order until the charge showed up on the new credit card and no explanation was given and case was closed. I called in and spoke with another associate and she stated that she notes showed that I cancelled the request which I did not. I asked the case be opened back up because the charge was FRAUD. Called in again and was told that the investigate showed a chip was used in the same location as where I live so it must have been me. Advise that I file a Police Report, which I did, maybe they would be able to get video footage of the person making the charges. I feel as if they misrepresented the fact that the charges did not go through when indeed they had and did a poor investigation internally just to get me out of there hair.

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 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I called to report non-consented activity on my credit card. Company stated that it would issue me a new credit card number and card. Credit card never came. I never received a new credit card and then noticed a late payment fee on my account which makes no sense since I have autopay set up. I called PNC, they stated they closed my account at my request. I never requested the account closed. I have called PNC multiple times to try and get the situation sorted out. Every time they promise to escalate it, and no one calls me back. 

This has been going on for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Following my divorce in 2014 I had to rely more on my credit card purchases. Over the past XXXX years I've accumulated some sizable credit card debt. Prior to my divorce I never carried a balance on any of the XXXX credit cards that I possess so managing credit card debt was a new challenge for me. With that said, I am very concerned about the amount of fees/interest that Chase has been applying to my balances. I would voluntarily allow any federal regulator to review my entire file with Chase. I'm confident that there is an enormous amount of egregious violations with my credit card statements with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I have tried several times to change my payment method so that I can pay the balance but it wont let me and tells me I have to contact customer service. I've reached out twice and have received no response ; but they continue to report my account as delinquent. I can't pay the bill if the system won't let me change my banking information to pay ; and they continue to report my account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Auto Properties II, LLC
State: MD

Complaint narrative:
While serving XXXX XXXX around XXXX was sold a XXXX XXXX XXXX with high mileage and engine issues through XXXX XXXX XXXX XXXX at XXXX XXXX XXXX VA XXXX, XXXX ( XXXX ) XXXX for {$15000.00}. The vehicle was voluntarily surrendered after falling behind in payments since I had to pay for repairs around XXXX a year later. They wrote off the account at {$10000.00} and sold the vehicle at auction at an unknown price. Today they have contacted my current employer 10 years later and threating legal action if they don't garnish my account on their behalf. They have so far received over {$10000.00} of my salaried money using this illegal tactic.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My Experian report contains a wrong personal address.

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