vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a business line of credit with bank of America. Been their customer over 20 years. 
They have an issue with their portal ( autopay ). The {$20.00} payment was a mistake and they had a computer issue at that time ). 
I went to the local branch and letting know about the issue. 
Regardless they closed my account ( line of credit ) Attached are the documents that they issued credit after closing my line of credit. 

PS : Never been late on my payments and my credit score is over 800. 
This is not the first time I am facing discrimination due to my religion ; XXXX 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 2022-02-27 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: NC

Complaint narrative:
Account number : XXXX This account needs to be removed immediately from my equifax report and never be added again by any bureau according to the FCRA. It has been deemed fraudulent by XXXX XXXX XXXX by a recent investigation into the credit card account. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: NC

Complaint narrative:
Account number : XXXX This account needs to be removed immediately from my equifax report and never be added again by any bureau according to the FCRA. It has been deemed fraudulent by XXXX XXXX XXXX  by a recent investigation into the credit card account. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: CITIBANK, N.A.
State: NC

Complaint narrative:
This account has been closed for 7 years and shouldnt be reporting to the bureaus any longer. It was paid in full and closed with no issues and is showing as derogatory on my credit reports.

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 2022-02-27 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: VA

Complaint narrative:
I have been writing to the credit reporting company for about a year now trying to get this XXXX XXXX account remove from my account as fraud. I have requested that they send me proof that this account is not fraud and as of today I still dont have antthing from they. I was this remove from my account. They removed the credit inquiry but not the account. I have disputed this with Experian at least three other times with no response

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 2022-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On this date, XX/XX/2017 company opened a collection. 
Account # XXXX {$380.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: CA

Complaint narrative:
On XX/XX/22 I filed a dispute on XXXX XXXX XXXX asking for this inaccurate debt be removed from my credit report. I also sent a debt validation and verification letter. Its still reporting 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 2022-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been writing to the credit reporting company for about a year now trying to get this XXXX XXXX account remove from my account as fraud. I have requested that they send me proof that this account is not fraud and as of today I still dont have antthing from they. I was this remove from my account. They removed the credit inquiry but not the account. I have disputed this with XXXX at least XXXX other times with no response

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 2022-02-27 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: VA

Complaint narrative:
I have been writing to the credit reporting company for about a year now trying to get this XXXX XXXX account remove from my account as fraud. I have requested that they send me proof that this account is not fraud and as of today I still dont have antthing from they. I was this remove from my account. They removed the credit inquiry but not the account. I have disputed this with XXXX at least XXXX other times with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
On this date, XX/XX/2018 company opened a collection. 
Account # XXXX {$260.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The Chase dispute department has not responded to my complaint regarding an XXXX XXXX  {$170.00} purchased in early XX/XX/2022 that was supposed to be foldable and instead caught my fingers in its mechanism. I requested a smart label from XXXX to return it. The vendor wants ME to return defective or dangerous merchandise at my cost. I believe Its their responsibility. No response. Meanwhile independent of this I hurt my leg so I cant pick up at all XXXX box which contains rack which is sitting in its box in the side of the house. Chase was supposed to issue credit per their letter to me and they did not. XXXX gaslighted me. I have called chase 5 times i hace contacted XXXX a dozen times on this issue. I am being gaslighted everywhere on this issue with a leg problem that makes things even harder for me and have seen the medical specialist, so I have proof that this is getting completely abusive and out of hand. Please tell Chase that XXXX must pick Up their defective merchandise. Its been almost two months. No credit has been issued. The chase credit card number has been changed due to an unrelated online scam. Plenty of those, arent there?! Chase has to be called each time. Wait on line and put up with nasty offshore personnel. Seriously? Attached is the note I get when I try to desk with this issue on the chase website

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I have spent hours attempting to resolve the issue. I have even gone to a XXXX  office. On the phone all people that I have spoken to have been out of the country. I had given XXXX  a credit card number to pay for the service. When the phone was never connected successfully, I contacted my bank and it took XXXX XXXX 3 months to obtain my money back. 
Now I have a letter from Credit Collection Services stating that I owe {XXXX}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: IL

Complaint narrative:
On this date, XX/XX/2021 company opened a collection. 
Account # XXXX {$230.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
I have derogatory notices on my credit from a company called RBC. I took my son and his daughter to an emergency room. My son did not have his ID with him, so in order to have my grandaughter seen i gave my ID. I have disputed this bill many times without success

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Sun Trust checking account was first hacked into by ATM withdrawals and was done at locations I didn't use.XXXXSun Trust refunded the funds.My only deposit I get is Social Security..they replaced Debit Card and new Pin Number..I explained how my cell phone and tablet was stolen and all my vital info was on these devices.They should have closed my account totally down..In XXXX there were withdrawals again from ATM machine, I filed a dispute which you wait a minimum of XXXX up to XXXX for their off shore Fraud Department to process the claim they denied the claim..I send a rebuttal denied..I live only XXXX XXXX Social Security..its close to $ XXXX, then on the morning of XX/XX/XXXX I get a call from Sun Trust there is suspicious activety..well they used at XXXX an app. called XXXX XXXX.deleting close to $ XXXX Trust reimbursed me immediately..They never suggested to close my account down..they have the person 's name who did Cash Out..he has taken over my phone I'd and passwords..Why are they refusing to give me my money..Trust me its well needed..I 'm a XXXX Person and the past year recovering from XXXX XXXX followed by XXXXXXXX XXXX..I have been a Sun Trust for XXXX. they never had a problem with me..They know it was hacked and just refusing to give me my funds..I was applaud that the Branch Manager told me to go to a XXXX XXXX..and it's my fault that I need to protect my account better. She then precedes to tell me she doesn't use a Debit Card..or Online Banking or Auto Pay..because they are not safe..Please I need my money..Thank You and God Bless

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 2022-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: IL

Complaint narrative:
On this date, XX/XX/2017 company opened a collection. 
Account # XXXX {$190.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
To whom it may concern : as per my reason for this complaint here is this bank that i had vor various years and payinging it on time but seem as if when i do my payment i never get to see where it going or being paid what i notice is they interest very high i'm doing my besy to be a loyal customer and paid ontime ontime cause it get auto pay through my bank so they do recieved it ontime. please kindly investigate this matter it very confused to me.i feel as if they are over illegally charging interest.here are what i'm noticing stay the same so where is my payment going to. 
***************************************************************************************** XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$37.00} XX/XX/XXXX AUTOMATIC PAYMENT - $ XXXX ***************************************************************************************** XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$40.00} XX/XX/XXXX AUTOMATIC PAYMENT - $ XXXX *************************************************************************************** THIS IS A SCREEN SHOT FROM THE FRONT PAGE OF THE STATEMENT ************************************************************************************** Activity $ XXXX Current Balance $ XXXX Available to Spend {$1700.00} limit Payment $ XXXX Minimum Pay XXXX XXXX days Until Due Date on XX/XX/07 Respectfully XXXX XXXX XXXX XXXX ************************************************************************* CARECREDIT / SYNCHRONY BANK ACCT # 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 2022-02-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
In XX/XX/2021 we contacted XXXX stating we noticed charges on our credit card statement that we did not purchase from XXXX. XXXX acknowledge in writing on XX/XX/2021 to XXXX XXXX that " I was able to find the charges on another customer 's account for {$3700.00} but, for security purposes, I am unable to share the details with you. If you still do not recognize these charges, please dispute the charges with your bank. To avoid any additional charges, I also recommend asking your bank about the possibility of having the card reissued. Also, none of these purchases were related to your XXXX account or address ( es ) listed in your account ''. 
XXXX contacted Bank of America an a new card was reissued. Old card ended is XXXX. Also disputed the charges multiply times and Bank of America always responded in writing " As you requested, we completed a re-evaluation of your credit card dispute {$3700.00} - unfortunately, our decision to decline your fraud clam for this transaction ( s ) hasn't changed. '' We have disputed this many, many times including sending a police report and a copy of the XXXX email stating they were not our changes and still Bank of America declines the claims. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-27 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Two Issues With Toyota Toyota Financial Services/Leasing with No Resolution To Date ( 3 years and counting ) 1 ) Toyota Financial Services/Leasing has in error posted 2 late pymts on my credit report XXXX & XX/XX/2019. In spkg to over 30 agents over the past 3 years, this is hurting my report. TFS/Leasing misapplied pymts to my taxes/ hov fees vs my lease pymt. According to the lease contract, I am required to have lease pymt on time to maintain pristine pymt record. I have done that. After spending hours on the phone... finally got to a rep that " researched the acct ' and found tht it is their error. They reversed the late fees on my acct and never reversed the 2 late pymts. Said tht I would have to go to the credit bureaus to dispute and they wld approve the deletions of the 2 lates. I have disputed over and over again to all 3 bureaus, and it is STILL not deleted. Im exhausted and feel completely taken advantage of.

2 ) With my lease, I have a hov pass in my car. When hov fined me for tolls I paid my hov tolls directly to hov va. Tolls posted directly to my lease account, as they post to your lease acct in the state of VA XXXX This is problematic by itself. I sent Lexus confirmation of my payment over and over again. I have spoken to over 20 agents on this alone. STILL they have not reflected my balance as {$0.00} for hov tolls ( and they have the receipts ). Lease is almost over and I dont want them to try and rob me by saying that I owe for tolls that I have paid. Help! This is my last resort for help on this account before having to secure an attorney... unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
My card was compromised in XX/XX/2021 I provided Bank with the proof that I could not be two places at once and my claim still was denied. I am asking my bank to take a second look bc when I contacted merchants its clear that within hours the card was physically being used in multiple places in and outside the United States how Is this possible and not fraudulent.

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 2022-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
On this date, XX/XX/2021 company opened a collection. 
Account # XXXX {$320.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation