vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc
State: AZ

Complaint narrative:
I am on a payment plan for a portion of my XXXX XXXX bill, but apparently not all of the bill. So I was sent to collections for the outstanding balance. I contacted H & R accounts about the past due amount and was told I owed {$6800.00}. I explained the amount I had on my statement from XXXX was {$4800.00}. H & R accounts told me they can not accept payment for anything less than the amount owed. I called back to XXXX to see where the discrepancy was and I was told that the initial charges were {$47000.00} then the self-pay discount was applied of {$40000.00} leaving the balance at {$7300.00}. I made an initial payment of {$2400.00} leaving a balance of {$4800.00}. However, when the account went to H & R the self-pay discount was removed and the financial assistance discount was applied at {$38000.00} leaving a balance of {$9200.00} minus the {$2400.00} leaving a balance of {$6800.00}. 
Why would they remove my self-pay discount and apply the financial aid? Especially if it is more money? I spoke with XXXX, XXXX and XXXX from XXXX and they explained they were not sure how the self pay discount was removed, since I am self pay and have no insurance and the financial aid was applied instead. 
When I spoke to XXXX to take care of this they told me I needed to wait until the account had come back to them before I could make a payment on it. I contacted XXXX on XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23. I do not want this account to default and XXXX does not have any information for me and they can not take a payment on the account. H & R accounts said they have no control and I need to contact XXXX to resolve the issue but XXXX is no help at all. I feel they are trying to sabotage me because they are trying to charge an additional {$1900.00} to my account when they know that is not what I owe. This is fraudulent and immoral way of changing the bill when it is sent to collections and it is wrong! If I had not found out about the erroneous change in self pay vs. financial aid discount that was applied, I could have been held responsible for the higher amount when that is incorrect.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE : Fraud report TO WHOM IT MAY CONCERN : Dear Sir/Madam ; My name is XXXX XXXX XXXX XXXX XXXX resides at the above mentioned address in XXXX, Maryland. My last four of SSN : XXXX. I work with : XXXX XXXX, XXXX as XXXX. I received a copy of my credit reports from XXXX, Equifax, XXXX and XXXX with the intention of trying to improve my credit and take care of my responsibilities, but noticed a little information on my credit report that seems inaccurate, inconsistent & unverified, and I need it fix immediately. They are not reporting consistently, and accurately about my information, which I identified as some discrepancies. Equifax, and XXXX repots on my credits that on XX/XX/2022 an unknown & unauthorized individual fraudulently attained my personally information and made claims to a company called : XXXX, at address : XXXX XXXX XXXX XXXX  OH XXXX XXXX through 'Inquiries ' which has impacted my credit, and credit scores negatively. I contacted these consumer reporting bureaus to dispute, which processes are ongoing, but they requested me to contact your office to report as a way to initiate the dispute process so they can delete the information from my credit report and update my account. I read the Fair Credit Act where it says by law, I have the right to challenge anything inaccurate, unverified, inconsistent. Some of the people reporting things on me are not reporting accurate information.

However, according to 15 U.S.C Sec. 1681 ( a ), ( b ), ( e ), ( f ) which guaranteed me, or any consumer constitutional rights guaranteed by law. This law basically guarantees consumers rights to 'consistent-accuracy about reporting. This particular incident is a 'fraud ' and is an identity theft affecting me and my credit reports. This reporting process does not meet compliance standards in guaranteeing my civil rights as provided by compliance standards. Henceforth, it is upon these legal grounds I request you initiate an investigation, and request them to delete any, and all information about me in their companys system because they are inaccurate, and it compromised my identity. Kindly investigate, correct and update my information. Once confirmed I request you provide me an update as soon as possible in the next 30 days as prescribed by law.

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: IA

Complaint narrative:
The following hard inquiries currently showing and listed on my XXXX, XXXX and Trans Union credit are unauthorized and not my hard inquiries : XXXX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXX, XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX and XXXX XXXX, XX/XX/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: EQUIFAX, INC.
State: IA

Complaint narrative:
The following hard inquiries currently showing and listed on my XXXX, Equifax and XXXX XXXX credit are unauthorized and not my hard inquiries : XXXX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXX, XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I have been waiting for Nissan motor acceptance to wend me a copy my agreement and arbitration agreement

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I see a new unrecognized Credit Inquiry on XX/XX/XXXX from a Lender XXXX ( XXXX XXXX XXXX XXXX XXXX in my Experian Credit report ). I see another inquiry from the same lender on XX/XX/XXXX which I also don't recognize. I suspect this could be a case of potential Identity theft, someone having access to my personal information. I have requested for a Credit freeze on XXXX XXXX XXXX and put a XXXX alert on Experian for any future credit activities.

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: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Hundreds of dollars of late fees charged by the Toyota Financial Services for my lease. These late charges started when I moved from Texas to California where theres additional tax. This extra tax amount were not informed to my family. Nor were it added to my Auto Pay setting within their system. I did not find out about this until they send an email with reports on my unpaid late fees. Customer service was dismissive when I filed this complaint. This is deceptive and predatory.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of. My information was not investigated properly.

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 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: TX

Complaint narrative:
Merchant charged my credit card and was not able to provide committed services. I filed a dispute in XXXX, XXXX. First it was very difficult to make it understand to Bank of America. Merchant did some partial refund in XX/XX/XXXX. I called Bank of America again asking for remainder. In XX/XX/XXXX I was over refunded. I paid back over refund charges to as the charge was posted on my account. Now in XXXX statement I got two of the same charges posted on my account again. Each charge is {$1600.00}. Bank of America said that since I got the refund from Merchant, so they are taking back what they credited. First, I never got full refund from Merchant. Second, Bank of America is taking back more than they credited. It is more like a white-collar crime. I have a habit of going through each charge on my bank statement. But, what about people who trust these Banks and pay statement balance without looking at 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 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I saw an online promotion to open a checking account and receive a {$300.00} sign-up bonus for direct depositing {$500.00} within the first 60 days. I clicked the link in the promotion to make the account, and filled out the application. After doing this, I was unable to see the account when logging into Citizen 's, even a few days later. I went into the branch to check the status, and they told me the account didn't get opened, and opened one for me in the branch.

Around 2 weeks later, I logged into Citizen 's and saw I now had 2 accounts. The original account did end up getting opened. I went into the branch and asked them to confirm that the account was setup correctly to receive the terms of the online promotion. They told me that it was not coded to receive the promotion. Instead, they sent me information about a different person 's account ( my husband 's ). 

I asked them to fix the account, but they refused. They said I should fulfill the terms of the offer, wait to see if the account was credited, and if it wasn't, then they would consider next steps. There is no reason to believe it would be credited, given they explicitly told me it was not coded to be credited. It seemed they wanted me to create the account and deposit money without honoring the offer terms. 

They also suggested I can close the account and reopen it. However, the promotion clearly states that only the first account is eligible, so doing what they suggested would have invalidated me from being able to fulfill the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I banked with Wells Fargo for years until I could no longer handle the overdraft fees when my account shouldnt have been overdrawn, freezing my account many times to where I could not access my money. After paying fees that I know were wrongfully put on my account over and over and they would do nothing about it I finally closed my account. I then received something in the mail stating I owed the bank money for overdraft fees when my account had been closed for over 6 months. I paid the fees because the letter stated it had attorneys involved. At this time I was younger and should have known I was being scammed. Wells Fargo is a fraud!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXX. Date of XXXX : XX/XX/2023. Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Complaint after complaint, with Wells Fargo, only to be lied to over and over! 
In XXXX we began making house payments. I have shown you over and over that because of the illegal actions by Wells Fargo and companies. Receiving foreclosure notices by the second payment. XXXX alone in XXXX of XXXX. 
The 2005 statements that are all different and payments made to Wells Fargo! Im complaining about the payments that started disappearing from month to month. From XXXX we have sent on enough to prove that we have been the victim of Wells Fargos illegal actions from the first payment. To the loan modification that in one month we made 3 separate payments! When will Wells Fargo actually be help accountable for all the years of blatant theft fraud and knowingly continuing the illegal actions until XXXX or later? I have sent in proof of the amount of payments we made that just disappeared.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of Identity Theft, which has resulted in a negative impact on my credit history and ultimately my financial wellbeing. This has been hurting me as I am in the process of buying a home for me and my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
XXXX. XXXX XXXX -- XXXX XXXX. XXXX XXXX- XXXX XXXX. XXXX- XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX 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 explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My debit card was used fraudulently at an ATM while in XXXX XXXX and chase refuses to credit my for it. The amount was {$400.00} on XX/XX/

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 — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX With the lender Capital One, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Had a Sams Mastercard issued by Synchrony Bank. Last four are XXXX. Valid thru XX/XX/XXXX. 

SYNCHRONY BANK CANCELLED THIS CARD WITHOUT MY KNOWLEDGE. 

Synchrony claims my card had been reissued as a SamsMastercard Elite last XXXX XXXX and it had been sent months ago. Never received. They printed the same card and resent it via mail due XX/XX/XXXX. Never received. They did cancel my Sams id number. Got a new one.

SYNCHRONY KEEPS BLAMING THE POST OFFICE. 

Reordered card to be delivered via XXXX. 

Credit score is over 800. XXXX XXXX in full. 

Perhaps Synchrony is not making enough money on my card. 

XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I received the following email from PayPal , Inc . I had paid my water bill ( XXXX XXXX XXXX ) in the morning ( to show the innocuous use of this account ), and received a rebate payment from a different company in the amount of {$790.00} later in the day. This PayPal account has been active since at least XXXX, and I have done business with them without a problem since the XXXX. 

" You can no longer use PayPal After a recent review of your activity, weve permanently limited your account in order to protect PayPal and the security and integrity of the network of buyers and sellers that use PayPal services. This is permitted under the PayPal User Agreement sections titled Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. Going forward, you wont be able to use PayPal to send and receive money or shop online. 

Per the User Agreement, when PayPal permanently limits an account, any money in that account is held up to 180 days. Money in your balance can be used to satisfy your obligations under the User Agreement. After 180 days, if applicable, we'll email you with information on how to withdraw any remaining money from your PayPal account. 

Note that should any chargebacks, PayPal Purchase Protection claims, or other reversals result in your account balance falling below zero, then you will also need to settle the amount owed to PayPal to avoid further action. 

Customers whose accounts are permanently limited are not permitted to use PayPal service and are not permitted to open new or additional PayPal accounts. 

You can find the complete PayPal User Agreement by clicking Legal at the bottom of any PayPal page. '' My funds have been seized without a reason, and without authority. I have done nothing wrong or illegal. I'll avoid doing business with them ever again, but I want the funds that they have illegally and without adequate explanation retained.

Company response to consumer: Closed with explanation