vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I went to see XXXX XXXX for annual wellness checkup. After my visit XXXX  months later! recieved a bill for {$40.00}. I contacted the Dr office questioned them about the bill. Stating that it was for annual check up. I have XXXX XXXX XXXX and XXXX XXXX insurance. I should not have a copay. Especially for annual check up that is covered at XXXX XXXX. I've seen this XXXX for many years. Often for annual check up. So after another 3 months I received a collection bill from collection agency. I called that agency stating that I have dual insurance and it was supposed to be wellness checkup. The collection agency said they will contacting XXXX XXXX office and will call me if there is issues. Haven't heard back from the collection agency since. So now I schedule for my annual wellness, when I showed up for my appointment, I was told I can't see XXXX XXXX because I didn't pay my bill. As many times I disputed this bill, they told me it's my responsibility to pay for it. 
I told the office manager that if I truly owed it then I would have paid but it's wrong to bill me for {$40.00} when I have dual insurance and covered XXXX XXXX for wellness checkup. 
So I called the XXXX XXXX back today XX/XX/XXXX, now they told me that they did not file as a wellness check up but as a new patient. I was not inform about being a new patient especially I has been seeing the XXXX office for many years. This is unethical and insurance fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: CO

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-06-15 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: LA

Complaint narrative:
It is XXXX to report inaccurate information on an account in accordance with the Fair Credit Report Act. Currently, my credit report shows inaccurate information and a charge-off. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. 

15 usc 1681a2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agency. This isif thepersonknows or hasreasonable cause to believe that the information is inaccurate. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. What are the ways in which your company reports CHARGE-OFF ACCOUNTS with NEGATIVE STATEMENT BALANCES and has inaccurate information with different credit agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have tried unsuccessfully for 2 1/2 months to have Wells Fargo investigate my fraudulent charges and disputes. They refuse to put things in writing. I am an American with XXXX. They keep dodging me. They refused to return phone calls they keep asking for additional documentation there stalling Ive asked again to finalize this claim I have XXXX I am XXXX and I want this resolved before I XXXX so its not left for my children.

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 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
I am in the midst of a most unusual situation and have exhausted all options through the normal phone / department escalation channels. 

Background : - Opened a Citizens Bank online account XX/XX/23 and made initial deposit - Setup direct deposit and payroll withdrawal taken out of my paycheck and deposited to Citizens Fast forward .... 
- Around XX/XX/23 - I am no longer able to sign into my Citizens Mobile App- I call Citizens customer service and they tell me my account has been closed, they can not disclose the reason, and to look for a letter in the mail in 2 weeks I have a fantastic credit score and have never had any account closed ( particularly one where I am sending them money / deposits ), so I am at a loss what triggered this action by Citizens ( totally in the dark to this day ) More importantly though, I need your help finding where my deposited money is, and how I can withdraw it if Citizens has made a decision not to let me be an account holder with their institution. At this moment in time, the money is in complete limbo ( I am locked out of my Citizens Account and your phone representatives can do nothing to assist ). 

My initial deposited funds are being held hostage and no one I speak with at Citizens can do anything to help. Most insane thing I have ever encountered. 

Is there anything you can do here? 

Best Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15 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: AppFolio, Inc.
State: VA

Complaint narrative:
AppFolio Tenant Screening has limited my abilities to reside in a desired neighborhood due to incorrect information and a much lower credit score provided to a potential landlord from my recent rental application. 

AppFolio Tenant Screening Report involving my rental application included the following : -incorrect account balances for XXXX XXXX and XXXX XXXX accounts -inaccurate lower credit score based on false contributing factors XXXX through XXXX ; my student loan account balances should be XXXX due to my Income Based Repayment ( IDR ) Plan ; My current balances with XXXX XXXX and XXXX XXXX are XXXX ; The date that I opened my oldest account is not recent as it was XX/XX/2002. My installment loans include student and personal loans, of which all current balances should be XXXX. 
-my date of birth is negatively flagged because XXXX is listed only as my year of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
As of XXXX received information that LVNV Funding LLC is reporting inaccurate information on my XXXX credit report ( s )! 
Showing an open account in the amount of {$640.00} on XXXX Didnt open a new account on this date & the reporting information is incorrect & LVNV Funding LLC needs to correct/delete inaccurate information from my credit report ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I have been using Paypal for my freelance business for three years. I received a notification yesterday that they would start holding money I made over {$300.00} for up to 21 days. When I called to find out why, Paypal stated the account had been reviewed, but they couldn't give me specifics. I spoke to multiple supervisors and got the same answer : A review had been done of the account and they determined to hold any money I made over {$300.00} due to a " risk assessment. '' They told me that it could change during review next month, but they refuse to explain why, after three years, they are restricting my account. I've had no complaints or anything to warrant them placing holds on my account. From what I can gather, it appears that whoever looked at my account thought I was selling goods through Paypal that would allow customers to complain. However, I am a XXXX XXXX and XXXX XXXX XXXX XXXX. I don't even get paid until the services are complete, which eliminates the risk to Paypal. When they are holding my money, without cause, for 7-21 days, I'm unable to feed my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have contacted XXXX on multiple occasions asking why are they reporting my student loan as delinquent when I uploaded my military orders to their website multiple times. This has caused me to lose my home loan. I advised them that I was XXXX and was not gone to receive any letters that they were sending and they have still failed to fix this on my credit report. They told me to contact the school which I have done three time. I also sent XXXX XXXX XXXX my military orders and deferment request. This is a federal Perkins loan for {$3400.00} which has accrued fees due to this failure to defer this loan under SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: FL

Complaint narrative:
The companies below made inquiries on my credit without my consent. 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX  Inquiry date XX/XX/XXXXXXXX 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 2023-06-15 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: OH

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My father ( an XXXX XXXX  ) and I opened an account with US Bank, my father chose to leave it opened for many years without activity. This week we got an statement saying that the account was closed and the founds we had there were gone. We opened the account under a XXXX XXXX Checking that was offered to him as no fees for any reason. Furthermore, on XX/XX/2017 we received a letter saying that we needed to sign and mail a " Account Acknowledgment '' to prevent the account from accruing {$5.00} per month dormancy fee, I personally completed and sent the form ; at that time the account had a balance of {$91.00}. 
In the letter received this week money is all gone and account is closed. US Bank has had our current address and phone number at all time. Called customer service and a XXXX said there is nothing US Bank can do about this at this point. 
My father and I are very much alive and we want our money back.

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 2023-06-15 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I requested for this financial institution to file a dispute on certain unauthorized transactions that were made on my account because my personal information was compromised electronically recently while I was using their services making those transactions possible which I informed them through email. I was expecting a provisional credit for those disputes during the investigation process because most banks follow this procedure when a client has this sort of problem. 

However, instead of Chime solving my problem they failed to conduct a complete and thorough investigation on this matter. They denied my disputes within two days which was against their company policy because I was informed by Chime themselves through email that the investigation process can take up to 45 calendar days due to the fact that the merchant has to respond to the disputed transactions as well. They also abruptly closed my account permanently without explanation. When I try to contact them over the phone I am quickly directed by their automated system to speak to them solely through email most likely because my phone number is flagged for negative reasons at this point. 
This company failed to follow the Electronic Funds Transfer Act ( EFTA ) which was passed by the U.S. Congress in 1978 and signed by President Jimmy Carter, to establish the rights and liabilities of consumers as well as the responsibilities of all participants in electronic funds transfer activities. The act was implemented in Federal Reserve Board Regulation E. The Electronic Fund Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ) of 1978 is intended to protect individual consumers engaging in electronic fund transfers ( EFTs ). 

The initial date that I attempted to file these disputes was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: HEARTLAND PAYMENT SYSTEMS INC
State: MS

Complaint narrative:
I have contacted ECSI on multiple occasions asking why are they reporting my student loan as delinquent when I uploaded my military orders to their website multiple times. This has caused me to lose my home loan. I advised them that I was XXXX and was not gone to receive any letters that they were sending and they have still failed to fix this on my credit report. They told me to contact the school which I have done three time. I also sent XXXX XXXX XXXX my military orders and deferment request. This is a federal Perkins loan for {$3400.00} which has accrued fees due to this failure to defer this loan under SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has returned both payments made on the account then the Customers Service Representative advised that I did. It owe any more at the current time and that my account was up to date then a month later proceeded to state that my payment was late and now they are declining to remove it from my credit report and is not telling me the outcome of the decision

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 2023-06-15 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: NJ

Complaint narrative:
THERE ARE THREE COLLECTIONS ON MY CREDIT REPORT XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$480.00} XXXX XXXX  XXXX {$610.00}

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 2023-06-15 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: NJ

Complaint narrative:
THERE ARE THREE COLLECTIONS ON MY CREDIT REPORT XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$480.00} XXXX XXXX XXXXXXXX {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: MicroBilt / PRBC (formerly CL Verify)
State: GA

Complaint narrative:
I would like to have any items that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law. 

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

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 2023-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NRA Group, LLC
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists This company has threatened to garnish my wages as well as saying they will sell my information to other companies. They have sent multiple bills to different address of family members that have same last name as me that I have not spoken too. I have asked multiple times of proof, even have gotten lawyers involved so the calls and mails can stop coming in. Im not getting approved for anything as they are saying they will report this collection to any loan agency or anything to hinder me to fix my credit and get approved. This account has been opened since 2021 and since then I have been attacked with calls and bills and threats of garnish or unemployment.

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 2023-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
this account ( # XXXX ) was opened XX/XX/XXXX and closed XX/XX/XXXX. i received a notice of late payment XX/XX/XXXX XXXX, while disputing another account with XXXX XXXX. I have no idea why or how this happens. i was not given no notice of any kind about this account being behind back in XXXX i disputed this but for some reason it was found verified. how can a company just do that to your account. now my credit is down and i have a late payment on my credit report from a company that was suppose to help my 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 2023-06-15 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: PA

Complaint narrative:
this account ( # XXXX ) was opened XX/XX/XXXX and closed XX/XX/XXXX. i received a notice of late payment XX/XX/XXXX XXXX, while disputing another account with XXXX XXXX I have no idea why or how this happens. i was not given no notice of any kind about this account being behind back in XXXX i disputed this but for some reason it was found verified. how can a company just do that to your account. now my credit is down and i have a late payment on my credit report from a company that was suppose to help my credit.

Company response to consumer: Closed with non-monetary relief