vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX a Charge from XXXX XXXX was charged on my account fraudulently. I report the fraud and my bank will not reverse the charge. I have attempted to reach XXXX XXXX, unfortunately they are no longer operational. I have been attempting to resolve this with both the bank and the company since XX/XX/2021. I have XXXX worth of NSF 's on 2 separate accounts relating to this claim.

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 2022-03-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX XXXX  {$380.00} XXXX XXXXy {$630.00} XXXX {$910.00} XXXX XXXX XXXX  {$250.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  {$380.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$910.00} 15 U.S.C 1681 Section 602 A states I have a 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 2022-03-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX XXXX  {$380.00} XXXX XXXX {$630.00} XXXX {$910.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$300.00} XXXXXXXX XXXX  {$380.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$910.00} 15 U.S.C 1681 Section 602 A states I have a 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 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 2022-03-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX / XXXX / {$970.00} XXXXXXXX XXXX XXXX XXXX / {$0.00}

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 non-monetary relief
Consumer complaint received 2022-03-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
In XXXX these two charges were processed on a XXXXXXXX XXXX credit card that I called and closed in XXXX of XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX MA {$96.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX DE {$99.00} I have to assume that even though I asked for the card to be closed it was, in fact, not properly closed. Due to this belief, and because XXXX XXXX  did not send me any statements to notify me that these charges existed, I was unaware of them until I received a letter from XXXXXXXX XXXX notifying me that the account was 30 days past due. Consider that for 8 months I believed this card was closed. I lived my life as if this card was out of the picture, obviously I was not attempting to log in and check on the balance and payment. 

Upon receipt of the letter, I called XXXX XXXX  to pay off the card and, again, close the account. I also explained the situation, asking if XXXX XXXX could remove the 30 day late report. They said it was not something they had the ability to do and I would need to discuss with the credit bureaus. For the record, I don't believe that is accurate. I believe XXXXXXXX XXXX  does have the ability to correct this issue. Nevertheless, I proceeded to challenge this 30 day late with all 3 bureaus. 

Experian just concluded their investigation and has not removed the 30 day late for the reason that " The company that reported the information has certified to Experian that the information is accurate ''. That is an apathetic " investigation '' at best. I never claimed the information was not accurate. I am claiming that the charges should never have happened and that I had no idea they even existed because XXXX Bank did not notify me of them. For those reasons I should not have a negative mark on my credit report. Again, this has occurred on a card that should be closed. 

My credit score is supposed to reflect my ability to use debt. In 25 years of history I have never had a single negative mark on my credit report. If you see my report you will notice that I paid every other debt leading up to XX/XX/XXXX, during the month of XXXX, and thereafter. This situation has nothing to do with my ability to responsibly use debt but rather has to do with a failure of XXXXXXXX XXXX  to close my account as requested and subsequently failing to notify me that charges existed on this card.

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Went to XXXX In XXXX XXXX, KY. I should of known better as have only went a few times and they are ALWAYS having issues with machines. This day, they have two ATM Pay machines side by side. I used the one on the right. Tried to withdraw {$100.00}. Kept hanging, pressed the " closed option '' that was shown on screen, and then it was blank. Nothing came out, received no money, no paper slip. I then slid over to use the one on the left with no problem. I was concerned so I immediately called the Bank of America # XXXX to check and showed both transactions. I waited til next morning as nearby bank is on a military post ( XXXX XXXX, KY ) They couldnt help me but allowed me to get thru the CS ( after XXXX minutes ) I thought I explained it to her. Today I get a message from bank that stated We have determined that this dispute is not a duplicate charge because the transactions were made either at different times, different dates, different terminals and different reference numbers. I said that, and that I didnt get the money ''. I dont know if the Security at XXXX XXXX would have a video of this since it was several weeks ago. I had this done to me from a Credit Union before, and nothing came out BUT they took care of it. Customer Service at BofA is nonexistent, told me to call- which I did this morning, on hold for XXXX minutes- no answer. ( the workers are working from home ) using canned responses especially on 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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collectibles Management Resources
State: CA

Complaint narrative:
I am a victim of fraud regarding accounts with XXXX XXXX XXXX XXXX Collectibles Management Resource. I was sold a motorcycle that was stolen. XXXX XXXX XXXX allowed a stolen vehicle to be finance. The lack of security and verification from operating XXXX XXXX cost me financial burden. Now my credit is impacting me financially and emotionally from this. I filed a police report and complied with all parties during the incident. Please delete this negative reporting from my credit asap. The police report number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I went to the emergency room on XXXX XXXX, XXXX. The hospital has released all of the amount charged via their internal program to waiver fees due to my circumstance. An emergency room doctor/team member billed me separately and decided to sell my information to collections. 

I have continued to receive debt collection calls via robocalls daily from " Credence '' during work at least 3 times daily since XX/XX/XXXX. When I answer, I hear dead air then a recording that says this call is being recorded... When I wait for someone to speak with, they barely speak English and can not discuss " details '' of the call. 

In XX/XX/XXXX, I asked them to stop calling because I am at work. It is now XX/XX/XXXX and I still receive robocalls from this company consistently. How do I resolve this matter?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I signed up for 'Delta Skymiles Gold Card ' from Amex on XX/XX/2021 and it says the sign up bonus would be XXXX miles given I spend {$2000.00} dollars within 90 days. 

However, they only gave me XXXX miles and said the the bonus offer would be that amount. They asked me for the email that describes the offer that I got but they never sent me the email regarding the promotion and I also couldn't find any information on the website either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
There is an account on my credit report to Midland Funding for {$500.00}. It stated the arrangement was open on XX/XX/2016. I have no acknowledgment or verified documentation with this company. I have a fraud alert on my account. I am not responsible for this account or aware of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent item be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX  XXXX  / XXXX / {$1200.00}

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 non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX XXXX XXXX  XXXX / {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Someone signed me up for JC Penny emails ( I did not subscribe ) and while reviewing the emails I've received, I noticed a JCPenny Credit Card statement was sent. I have never signed up for a JC Penny credit card and haven't shopped there in years so I'm unsure how this happened. I want to make sure this does not impact my credit score and confirm nobody is using my name for fraudulent charges.

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
MIDLAND CREDIT MANAGEMENT is reporting incorrect information on my credit report. They state that I opened this account with them on XX/XX/XXXX. I never opened an account with this company. They are reporting false information and suing me. 
I told them in court on XX/XX/XXXX that the debt that I originally had with XXXX XXXX which is a debt they bought, has passed the " statute of limitations '' and they decided to postpone the court case that day with no explanation. Since then they have added false information to my report. 
When I pulled my credit report today XX/XX/XXXX my original, XXXX XXXX account has been removed without my permission from my credit report and they added the false information as if I opened an account with them in XXXX. 
They are fraudulent going after a debt that has passed the statute of limitations and has altered my credit report without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX / XXXX / {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX / {$1400.00} XXXX XXXX XXXX XXXX / XXXX / {$330.00}

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have three accounts that have been closed with My Synchrony Bank without my permission. All accounts were in good standing and have been paid off. The first account is a XXXX XXXX XXXX  account that had a limit of {$1200.00} that was closed on XX/XX/XXXX. The second account is a XXXX XXXX  account with a limit of {$3000.00} that was closed on XX/XX/XXXX. The last account is a XXXX XXXX account with a limit of {$1500.00} that was closed on XX/XX/XXXX. I have done a previous complaint with the CFPB on XXXX in which the company responded and stated that my account was due to their sound credit scoring system and the pull of my XXXX credit file. However, this is a direct violation to 15 U.S Code 1681a ( k ). I did not give synchrony consent to obtain my consumer file with XXXX to close my accounts on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not consent to my credit report being pulled at all.

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 2022-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
XX/XX/2020 right at the beginning of covid. I retired from my company after 23 years. At that time everything was okay and I received something in the mail from a third party about lowering my payments. Okay I looked into it. I ended up giving them {$3000.00} to help me refinance my mortgage as a third party they contacted my mortgage company and got me on the forbearance program so I wasn't making my payments. I thought this was all normal. I was getting nowhere except behind on my mortgage for the next few months. I then took over this process with myself with my mortgage company XXXX of XXXX. Trying to modify my loan for the next several months. I kept filling out all the paperwork and doing everything citizens one requested. I would call back. I would get put off or told that it's in processing or it was some missing something. This is gone on now for a year. I'm further behind. I just want my loan deferred and start making payments again. Whatever my options are but I'm not getting anywhere with citizens except for runaround. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
I received a call from ELEVATE RECOVERY. The call was today XX/XX/24 at XXXX to XXXX. When the phone rang there was a pause which led me to believe it may be an automated dialer. I asked the rep if that was the case, and if so, please remove my number from the automated dialer system. She then advised, " ok so you don't want to pay your bills. '' I'm not sure who the company is, nor did I EVER identify myself as the right party contact. I believe this to be a violation of the FDCPA due to the fact the rep advised that there was a debt owed without establishing or confirming who she had made contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist purchased BB & T. they have lost my payment and I can not track it down even though I have proof XXXX XXXX sent them the money

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 2022-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
After being approved for a car loan of about {$19000.00}, we purchased a car. We owned it for more than a month before the bank called and said our loan had simply been cancelled. They claimed the funding account didn't exist. However, the bank giving us the loan is also the one I bank with- they have access to the account that would be funding the loan. During our application, we had picked the account from a dropdown menu that only listed my two accounts, checking and savings. It was not possible to have added another account. It appears as though a problem on the bank 's side led to the wrong account being listed, as there was no way for me to list the non-existent account. 

The representative who explained the situation was polite, and she was totally flabbergasted as well as to how an account that wasn't mine was selected. I was put on hold to speak to their executive resolution team, and after 15 minutes of waiting, I was hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I CALLED AND EMAILED EXETER FINANCE ABOUT REPOSSESSING MY XXXX XXXX XXXX. THEY WAS SUPPOSED TO PICK IT UP SEVERAL MONTHS AGO AND NEVER DID. I DIDN'T RECEIVE ANY NOTIFICATION, MAIL OR EMAIL. NOW MY LICENSE IS SUSPENDED DUE TO THEM NOT GETTING BACK IN TOUCH WITH ME IN A TIMELY MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank has decided to terminate my account for either no reason or a reason they can not provide. This happened on XX/XX/2022 and they should be closing my account on XX/XX/2022. I have tried figuring out the reason as to why, but they have said that they can not give me the reason. I need to know why they would close my account and find a possible way to prevent this as Ive been with chase for many years. I was never even notified by text, email, or phone. I only figured out why through another family member informing me that their account was being closed.

Company response to consumer: Closed with explanation