vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 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: LA

Complaint narrative:
On XX/XX/22 I reported unauthorized transactions all from the same merchant ( XXXX ), which I have never done business before, in the amount of over {$10000.00}! I was given ( 2 ) fraud claim ID numbers. One of the claims was for {$8600.00} and the second claim was for {$1400.00}. Not sure why they separated the transactions because they were all reported at the same time. 7 days later they resolved, closed, and reimbursed me for the claim of {$1400.00}. On the XXXX day the resolved, closed, and said unable to pay the claim for {$8600.00}. Saying I authorized the charges. This is totally ridiculous, and been trying to get an agent on the phone for a explanation and to file an appeal. I have had no luck!

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 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P.
State: TX

Complaint narrative:
This company, LTD financial Services, repeatedly calls me and hangs up. I have asked for information about the supposed debt that they are collecting, which I do not believe exists, but they will not give me that information unless I give them an address so they can inundate me with mail, as well as personally identifiable information of mine such as my social security number. I will not -- under any circumstance -- be giving out ny social security number over the phone to a company that will not even give me the courtesy of explaining what the reason for contact is. 

I have asked them to stop calling me, but they continue to do so, calling and then hanging up if I answer the phone. The latest such incidence was today, at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
See attached. 

Succinctly put Truist has apparently converted funds on deposit ( or at least repeatedly denied me use of my funds ) in my checking account and retaliated against my complaining of such prohibited conduct by pretextually raising false roadblocks to delay or prohibit me from accessing my own funds in my name only on deposit. 

The bank video and audio recording equipment will show this malfeasance.

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 2022-02-25 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:
I was checking my credit report and. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: CA

Complaint narrative:
1.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX , has violated my rights.

15 U.S.C 1681 section 602 A. States I have rights to privacy. 

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

2. In accordance with the Fair Credit Reporting Act XXXX  Account name, XXXX XXXXXXXX XXXX Inquired on XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, CAXXXX ( has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A section2 : 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 non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
AD ASTRA RECOVERY SERVICE at XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of {$1400.00}. The collection has been reported as a past due balance. I don't know this company or have ever done business with this company. This company does not have any contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I received a letter from Navient stating that if I signed up for their student loan rehabilitation program and completed it, they would REMOVE the account from my credit report. I started the program in XXXX and completed in XXXX of XXXX. The loan was sold and transferred to another servicer. XXXX. I have since been making my monthly payments. 

Navient did not REMOVE this account and it's still reporting with negative information. This reporting is completely inaccurate AND should no longer be there according to the student loan rehabilitation program.This is deceptive and they should remove this as promised. This is hendering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
I was shocked to discover that the interest being charged was more than the actual medical bill it self! When my initial debt went to collections I asked this company via their rep XXXX, " how is it legal for you to charge so much interest on medical debt? ". XXXX told me that their collection practices were legal and that I should contact my state to change the law! 
I am not disputing an actual copay due the medical provider. I AM DISPUTING THE INTEREST THIS COMPANY IS CHARGING. It is my understanding that excessive interest can not be charged for medical bills. A {$440.00} bill has turned in to {$770.00} due to Bonneville Collections ' exorbitant interest charges. 
If I am already under water due to medical challenges with their attendant copays how in the world can I be expected to pay such absurd gauging interest? 
I WANT THE INTEREST CHARGES REMOVED AND THIS DEBT COLLECTOR STOPPED. THIS IS IMMORAL AND SUPPOSEDLY ILLEGAL IN OREGON!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
We purchase a ring in XXXX XXXX for the amount of XXXX last XXXX XXXX. The sale representative offered the 3 years no interest. We signed up and we've been paying monthly on the amount that they bill us. XX/XX/XXXX we know were done but we received a bill for XX/XX/XXXX ( this month ), which we know we should be done paying. I check my bill online theres still remaining balance of XXXX and they added finance charge of XXXX on XX/XX/XXXX and another finance charge of XXXX on XX/XX/XXXX. I called the customer service of Comenity, spoke to XXXX and Supervisor XXXX, explained that we were in agreement to pay the full amount for 3 years. But they told me were we just paying the minimum amount thats why we still have remaining balance. I told them I didnt know that it was just the minimum, I told them we just go by what they bill us monthly since its autopay. No one told us that was just the minimum payment and XXXX XXXX XXXX are all closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/2020 the debt collector called my mother pretending to be a law office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
On XX/XX/XXXX I sent a HIPAA letter to XXXX at their address via certified mail. I never received notification of this debt and asked the company to provide me validation of the debt by sending a copy of the contract that I supposedly have with them, my actual signature, and by requesting documentation of how they calculated what I supposedly owed to them. On XX/XX/XXXX I received a letter stating the debt was verified by the creditor with an amount owed and nothing more. As a protected consumer, I have a right to know the information requested for validation. I provided the company the appropriate amount of time and have not received sufficient validation.

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 2022-02-25 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: VA

Complaint narrative:
Suntrust recently merged with XXXX to create Truist. During this merger, they deactivated current debit cards for new debit cards. I was never sent a new debit card. I have no access to my account. I was also locked out of online banking for two days XXXX XXXX. My debit card has been deactivated since XX/XX/XXXX. They have not sent a new card, and I can not access my funds. 

The wait time to speak to someone on the phone is over an hour. This is terrible business. They should not have deactivated any debit cards until they had actually shipped out new cards. I have zero access to my account.

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 2022-02-25 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I spoke with someone from XXXX regarding an dispute I had submitted to them on XX/XX/XXXX. During the conversation on XX/XX/XXXX, I was informed that the dispute was being granted in my favor and they agreed to send a notification to the debt collection company to remove the account from my credit. They informed me that they send these communications out on Saturday 's, which meant that they would send the communication on XX/XX/XXXX. I looked on my XXXX XXXX account and noticed that the balance had been updated to zero, and marked as " closed. '' I contacted XXXX on XX/XX/XXXX because I was told that it would be removed from my credit. They stated that they had sent that communication on XX/XX/XXXX and that it should have been resolved. I contacted the debt collection agency ( Credit Collection Services XXXX ) and informed them of the situation and asked that it be updated correctly, they stated that the debt was valid and that it was being reported correctly. They stated that they would communicate with XXXX and request for clarification. They did not follow up with me with the outcome of their communication. I checked my XXXX XXXX app on XX/XX/XXXX and there still had not been any updates/changes to it being reported. I communicated with XXXX again today ( XX/XX/XXXX ) and the representative agreed to send me the e-mail that was sent to Credit Collection Services two times prior ( and they said that they would request to send it again ). I called Credit Collection Services and explained the situation again, informed them of the documentation I had, they said I could send it in but offered no other resolution. As they requested, I sent them the e-mail and a copy of the Explanation of Benefits ( that shows I had {$0.00} patient responsibility ) to them by fax to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: VA

Complaint narrative:
I.Q Data International , Inc has sent me a letter on XX/XX/XXXX that I owe {$750.00} which they have credited to XXXX XXXX XXXX apartments in XXXX XXXX. 
I used to live in XXXX XXXX in these apartments in XXXX, one month before in XX/XX/XXXX I informed them that I am leaving at the end of XXXX, they agreed and signed a paper mutually that everything is clear and they will send my security deposit back to me later. When I called them later asking for my security deposit without any real reason they told me your apartment garbage and lock replacement is the reason you are not eligble to receive it. After almost two years sending another letter from a collection agency claiming the same things and asking for another {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: Westlake Services, LLC
State: TX

Complaint narrative:
I submitted a request for account to be removed bc the account in question was on a vehicle that my ex wife obtained through divorce and defaulted on Loan. The payment info was updated but account was not removed. I then contacted the company about 4 months later on their credit dispute email and didn't receive any correspondence from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There is a hard inquiry on my report by a merchant and/or bank I did not approve. Its name is XXXX XXXX. I did not do business with them, engage them or give them permission to make an inquiry. TransUnion will not remove the error. They said I must report it to you and then send your report to them. 

Can you please remove the XXXX XXXX inquiry? 
Note my address on file is XXXX XXXX XXXX XXXX, XXXX in XXXX, IL XXXX, but I'm in TN XXXX XXXX, 2022. 

Thanks! 
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 non-monetary relief
Consumer complaint received 2022-02-25 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: FL

Complaint narrative:
I was checking my credit report and. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED

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 2022-02-25 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: FL

Complaint narrative:
I was checking my credit report and. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED

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 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I spoke with a XXXX ( XXXX?, would not provide last name ) of Transworld Systems Inc. on XX/XX/2022 from approximately XXXX XXXX. to XXXX XXXX. The purpose of my call was to confirm their mailing address. She provided a mailing address in Delaware. There are two mailing addresses on the notice neither of which are in Delaware ( both in PA ). Consequently, either TSI XXXX XXXX is intentionally sending misleading/insufficient/illegal notices to debtors or is misleading callers to send disputes to the wrong address such that the debtor waives their rights and the presumed debt becomes valid. I have not attached documentation due to HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have had my credit card with Penfed for 2.5 years and the credit limit has been stuck at that the starting limit. I have tried to apply for an increase and was get denied even though I have perfect credit. I believe they are discriminating against me.

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 2022-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I have made all my payments on time but was surprised to see that GS Bank who issued my Apple Card reported my account 30 days late for XXXX 2022. I'm in the process of purchasing a house and if the late report is not removed, My loan is going to be denied. I contacted the customer service number and was told the late report was going to be removed but nothing has been done so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
Sent certified mail to validate alleged debt in which they failed to validate debt. Also, mailed failure to validate debt letter with no response. This is not my debt. I do not own this debt. I wish to have this debt removed from my credit report to never return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: CA

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid off the balance of my Sam 's club Synchrony card XX/XX/XXXX and therefore had a zero balance. On XX/XX/XXXX Synchrony processed a payment for {$270.00} resulting in a overpayment of - {$270.00}. 
XX/XX/XXXX I called customer service and was not made aware of any payment hold on the {$270.00}. The representative told me she would be submitting approval for an expedited check for the overpayment. She also said I'd be receiving a call back in 2 days from a representative. I never received a call XX/XX/XXXX I called again and was not made aware of any payment hold by the Supervisor. When asked about my previous call the XXXXupervisor had no records of the representative requesting my expedited check or call back. The Supervisor said to submit bank proof the payment was taken via Sams Club Synchrony XXXX. Proof was submitted same day. I asked her to verify she received it, but was told she was unable to check while on the call. She let me know the check would go out the following day since it was pass the cut off time for the day. 
XX/XX/XXXX I called again and was put on hold for XXXX with no response. Hung up and Called again and spoke to Supervisor XXXX. He didn't make me aware of such hold until I asked about it. He also had no record of my request of overpayment from my XX/XX/XXXX phone call. He let me know the check had still not been issued. He put in a request to have the check issued and let me know it wouldn't be sent till Monday because of cut off time. 

I should not have to call 4 times to resolve an issue with this company. I should have my request done the first time I ask and not be lied to. Synchrony should have never processed the payment with a zero balance on the account. I should not be deceived by their call representatives just to get me off the phone. These are deceptive and unlawful practices to prevent me from receiving overpayment 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 monetary relief