vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
XXXX XXXX, V, XXXX filled a case against me through XXXX XXXX XXXX XXXX XXXX ( XXXX, KY ) in XXXX and I just received a summons from the sheriffs department on XX/XX/XXXX, threatening to serve me at home or my place of work. All information they presented is very inconsistent with the paperwork I have dating from XXXX and send to the debt consolidation company ( XXXX XXXX ) in XXXX, which was when the debt occurred. In summary, there was XXXX different account numbers with XXXX different amounts. Also, there is nothing reflecting in any of my XXXX credit bureaus for this collection agency, XXXX XXXX credit agency OR JC Penny Synchrony Bank. Timeline is as follows : On XX/XX/XXXX a letter was written to me from Synchrony Bank stating the card ending in XXXX was sold to XXXX XXXX XXXX. XXXX, FL Amount is XXXX. Stated it sold on XX/XX/XXXX. 
XXXX of limitations is 5 years. This would put max collections at XXXX, if I am tracking correctly. 
This was sent to XXXX XXXX on XX/XX/XXXX. 
On XX/XX/XXXX received email from XXXX stating debt for XXXX XXXX ( JCP ) was added to plan. 
Letter received from XXXX XXXX  XXXX on XX/XX/XXXX sold to XXXX XXXX  jumping to XXXX and ending in XXXX. A copy of this letter was sent to XXXX on XX/XX/XXXX. 
Received letter from XXXX XXXX XXXX on XX/XX/XXXX to pick up documents, which I did on XX/XX/XXXX. Documents reflect old statement balances from XXXX of XXXX with account ending in XXXX. 

XXXX letters/statements : Different Account # XXXX and Different amounts XXXX XXXX Acct. XXXX {$690.00} XXXX XXXX Acct. XXXX {$820.00} JC Penny XXXX XXXX XX/XX/XXXX Acct. XXXX XXXX {$780.00}

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 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My current account with XXXX XXXX  was closed today due to an account being opened in my name with Bank of America that I have no knowledge and cant get in contact with there customer service due to an account number or phone number that I do not have

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I currently have 2 cards with Barclays. A Rewards Mastercard and an XXXX XXXX Aviator MasterCard. 
Begining in 2022 I began noticing that information about my account was being changed on the web site. Phone numbers and addresses had been changed. I contacted Barclays about this, they said there was no problem. It must have been someont there that changed the information accidentally. All is good. 
Then I noticed a payment made on one of my accounts that I did not make. 
Called fraud division at Barclays, card canceled, new card on the way. 
Begining this year as soon as the new cards are issues, they are compromised. 
I can not access the web site since it is locked out. 
I have talked to many people at Barclays iincluding fraud and told them I only want statements mailed to my house and I will pay from them. Next day I get an email notification that all statements will be online. Now I can not access online, can't get through there terrible automated phone system since I do not have a current card, and I am not getting statements in the mail. Now they are hitting my credit reports.This goes on and on, and all I get is lip service from everyone I talk to

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 2023-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent investigation letters to XXXX and transunion on XX/XX/2023 in regards to inaccurate information reporting on my profile all letters were sent certified mail I also requested their method of verification giving names and contacts of everyone they spoke with to verify any accounts on my reports I further explained in my letters that I do not consent to the e-Oscar method of reporting that the bureaus use to so called investigate which is totally illegal as of this date of submission of this complaint XX/XX/2023 I have received no response from the bureaus Im requesting the intervention of the cfpb to force these bureaus to get in compliance with the law and remove any item reporting inaccurately and unverifiable according to my rights as a consumer.

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 2023-05-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: OR

Complaint narrative:
I am paying off my XXXX XXXX with Audi Financial and can not get my title in a timely manner. I have already communicated with Audi Financial. 

I sent the payoff check on XX/XX/ and Audi Financial confirmed they received the check on XX/XX/. I called them on XX/XX/ to check the status and was told the processing time is 6-8 weeks. This is a long time holding {$26000.00} dollars but not releasing the title to me. Consider there are lots of similar complaints online ( waiting for the title for months ) that Audi Financial is conducting financial crime by taking money and holding car titles in hand without releasing them and manipulating the used car market.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I received a past due notice from Apple Card. I have never had nor do I currently have an Apple credit card. I telephoned the Apple Card specialist and gave them my information. The card has been stopped and now I am reporting it here and with the Virginia Police Dept. I had no awareness of this card until I received the past due notice, post marked XXXX XXXX, 2023. The email address on the card ( as referenced on the card ) is not my current email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: FL

Complaint narrative:
I am hereby requesting the immediate deletion and removal of the following accounts and associated information from my consumer report. It is evident that the accounts and information listed below should not be reported on my consumer report, as their inclusion directly violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the swift deletion and removal of these accounts and information from my consumer report in order to rectify the multiple violations of these important laws. I urge you to take immediate action to remove these accounts and information without any delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Received line of credit from synchrony bank for home repairs, once the account was posted & accessible they added fees and interest which automatically sent the account over the limit. The over limit caused significant damage to my credit & I attempted on two occasions to get info about the account before it posted and was told they didn't have access at the time.

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 2023-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding
State: MI

Complaint narrative:
On or around XX/XX/2023 Cascade XXXX sent a check to my county tresurer for somewhere in the neighborhod of XXXX dollars for property taxes. I have a property tax exemption. The tresurer called me and said she could not cash the check and would send it back to Cascade XXXX with an explanation about the tax exemption and siad I should call Cascade also to tell them, which I did do. I talked to someone in the tax department and explained the tax exemption. As of this date XX/XX/2023 I have made 3 or 4 calls telling them to fix my problem and nothing has happen. In fact they are still collecting taxes on my property. Oh and the XXXX XXXX check that was returned has mysteriously disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me. Its been more than 30 days and have not received the investigation status or results gives a reason to immediately remove

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 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Well Fargo would charge me overdraft when I had funds.

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
CITI IS NEGLIGENT AND NON-COMPLIANT WITH EVERYONES PII!!!!! 

Citi has misused my and another XXXX XXXX 's PII. I have been trying to obtain proof that Citi verified information and they have failed time and time again to provide proof. They have NEVER verified any PII with me and have failed to prove the account was opened by a human. The company they sold my information to has changed the name of their company on several occasions. They also changed the address on my credit report without consent or knowledge. Both Citi and XXXX XXXX XXXX have done nothing but, engage in psychological warfare. I had someone harass me at my home telling me to answer the door because they could hear me walking around. HARASSMENT!!! I have tried on multiple occasions to resolve the matter on my own with Citi and they continually blow me off. I have asked for physical proof that they verified any information on the account and they have pretty much told me to take their word for it. It violates the FDCPA. I have consulted an attorney on this and will be pursuing legal action. I have never lived in Wisconsin ( where XXXX XXXX lives XXXX nor have I ever lived in New Jersey but XXXX Citi and their scam collection agency want to say so without any proof. 

I have tried reaching out to XXXX XXXX and was blocked when I brought the breach to his attention. Not exactly a stand-up kind of guy but, it goes along with how Citi has acted since the identity theft was brought to their attention almost a year ago. 

The other more troubling issue I have with Citi is their failure in compliance. I have complained about the account they claim as mine is identity theft. Citi can't even manage PII properly because someone at their company sent me an email regarding a deceased customer of theirs. The funniest part is XXXX XXXX 's daughter 's name is XXXX XXXX but, she lives in Wisconsin.

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 2023-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I went to the Dr on XX/XX/, my copay was {$100.00} with XXXX XXXX  as per my XXXX  XXXX policy XXXX plan # XXXX which i paid at the time of service. a couple of months later XXXX XXXX sent me a bill stating that some weird insurance company paid some money but not all of it. I write to XXXX XXXX twice without a response advising them that it appeared they billed the wrong insurance company and that my copay was supposed to be {$100.00}. I never heard back from XXXX XXXX on either of my letters. today i received a demand for payment from a collections agency I.C. Systems XXXX XXXX XXXX. XXXX XXXX MN XXXX demanding payment of {$79.00} which i do not owe as i paid my co- [ ay at the time of my visit as per my 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 2023-05-30 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: PA

Complaint narrative:
Please see documents Attached

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 2023-05-30 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
See fraudulent inquiries on my credit report for companies XXXX ( XX/XX/2023 ), XXXX XXXX  ( XX/XX/2023 ), and XXXX XXXX XXXX via XXXX XXXXXXXX XXXX XXXX XXXX ( XX/XX/2023 ).

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I am currently on unemployment. I received my benefit for 2 weeks yesterday. Somehow someone up in XXXX XXXX withdrew {$760.00} from my EDD card at an ATM, which means there is a duplicate card. I made the report and they are doing an investigation, however the {$760.00} that was stolen will not be replaced for 45-90 days. My rent is due XX/XX/XXXX, as I tried to explain. Bank of America said there was nothing they can do. I am trying to secure a loan to pay for my room, but there is a good chance I will be homeless, through no fault of my own, because EDD and Bank of America have been compromised. It dose make a lot of sense to me why they cant do direct deposit is beyond me, it would have ensured this problem and a {$760.00} loss would have never occurred. If there is anything you can do to help expedite the replacement of my unemployment benefit it would be greatly appreciated. Best Regards. The date of the withdrawal was 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 2023-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Freedom Mortgage mismanaged my property taxes and escrow account and has now created a hardship for me to pay an additional estimated {$400.00} per month on my mortgage due to their negligence. Freedom Mortgage overpaid on my property taxes by approximately {$2000.00} and wanted to issue me a check separately in the amount of approximately {$1400.00} ( an amount they stated was due to me which caused my escrow balance to be depleted ). This check has not been received or cashed. Now Freedom Mortgage has included this additional payment to my mortgage due to their negligence. Freedom Mortgage has not assisted me with correcting this issue and continues to say " oh well ''. Their negligence could cause me future hardship with my credit rating, meeting other necessary monetary obligations and noone is willing to assist with Freedom Mortgage 's NEGLIGENCE!

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 2023-05-30 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
There are multiple hard inquiries reported on my credit report. On my XXXX credit report, one from LightStream on XX/XX/2023 and also from XXXX on XX/XX/2023. On my XXXX credit report, there is a hard inquiry from XXXX XXXX XXXX, on XX/XX/2023. I do not recognize any of these. I called the companies on my XXXX report to request a deletion letter on XX/XX/2023. I called the company on my XXXX report on XX/XX/2023 to request a deletion letter. They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.

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