vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Im am trying to make a purchase for an assistant on XXXX that I need to meet me for a medical procedure with my Citi rewards MasterCard. Its has been automatically declined. Ive called XXXX, Citi, and MasterCard numerous times. The issue falls in MasterCard who has been extremely unhelpful, Ive spent 3 hours trying to resolve this so I can have a medical procedure tomorrow. One MasterCard rep laughed at me, another the call disconnected, another is trying to help and Ive been on hold 45 minutes. This is ridiculous that I am in constant pain and desperately need to have a procedure and Mastercard is preventing me from doing so.

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 2022-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RevMD Partners, LLC.
State: SC

Complaint narrative:
RevMD Partners received a validation notice and a notice of account settlement with XXXX XXXX from me via priority mail no XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I have not received a valid response to validate that RevMD Partners are Holders in Due Course. In the notice received, Ive kindly requested for RevMD Partners to cease and desist. Revmd Partners ignored my request and during the validation process RevMD Partners changed their original reference number from : XXXX ( see letter date XX/XX/2022 ) to reference number : XXXX, with a new balance of {$490.00}, and new HIPPA violating documents. Due to the change, it yielded no additional fees with the XXXX XXXX. This account was settled with the XXXX XXXX on XX/XX/2022. 
Please be advised that RevMD Partners are not Holders in Due Course ; no services or goods were received from RevMD Partners and I have not agreed to pay/tender anything to RevMD Partners on behalf of their alleged client XXXX XXXX for any reason. 
RevMD Partners have not provided any documents or itemized statements VIA MAIL proving I owe a debt to them. 
This proves that RevMD Partners is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. I have not provided signed any wet-ink releases of my private medical information to RevMD Partners.

This is proof that my HIPPA rights have been violated according to the letter from RevMD Partners providing a list of unverified medical service fees provided via US mail on XX/XX/2022 RevMD Partners do not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. RevMD Partners reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : Account # XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX  has violated my rights. 
Account # XXXX XXXX XXXXXXXX has violated my rights. 
Account # XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXXXXXX XXXX  has violated my rights. 
Account # XXXX XXXX XXXX XXXX Dismissed 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 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 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On Saturday, XX/XX/XXXX, approximately between XXXX XXXX, I attempted to deposit {$1000.00} in cash into my checking account using a Bank of America XXXX ATM ( ATM ID # XXXX, branch located on XXXX XXXX in XXXX XXXXXXXX XXXX XXXX ) when the machine took the cash, suddenly spat out my debit card, and shut down. The odd thing that I noticed was that when I put the money into the cash deposit slot, it took the money but the machine did not make any clicking noise to count the cash. Unfortunately, I could not contact or reach anyone because it was beyond their service hours for the weekend ( ATM issue service ended at XXXX XXXX XXXX  ). 

I then contacted the BofA ATM issue service number on Sunday to report the incident ; a guy who took my claim the knew the ATM ID without my telling him, and stated that my account would temporarily be credited by Monday night ( XX/XX/XXXX ) while they do the investigation. I urged them to check their recorded ATM surveillance video as it should be on XXXX to which he said they do. 

Come Monday night, I find no cash deposit credit, no updates or any evidence of my claim anywhere. No email, no communication. So I called back again today ( XX/XX/XXXX ) around XXXX XXXX and spoke with XXXX ( asked for her name this time ), and she stated that there had not been any ATM claim under my account. So I had to restate the case, included all the details, and now I have to wait for them to finish investigation up to 10 business days. 

I would like my {$1000.00} in full as it should be deposited into my checking account and BofA be held responsible to pay any XXXX fees that this deposit delay may incur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Tried to get old address removed in lieu of recent issue with an address that wasnt mine. Would only like to have current address showing on XXXX, Equifax, credit report. Please remove all former addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I had initiated a Fraud Alert last month that was shared to the other credit bureaus. A few days ago I got an alert that the Fraud Alert was removed from my Transunion Credit account. 

That same alert also indicated that " personal statement is no longer listed '' I was waiting for that to happen, knowing why it would be removed and that it would be against FCRA to do so. But also knowing who is behind this and their aggressiveness in altering our credit reports, neither of the two removed alerts/statements came as a surprise. Just puzzled as to why Transunion continues to allow a certain credit provider access to change things in our credit report, and especially accounts that are closed and they should not have access to. But that's another complain that's being ignored.

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 2022-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-04-05 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: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX FIN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX FIN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/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 2022-04-05 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: NC

Complaint narrative:
On XX/XX/2022 I paid off the amount I owed to the CC company. On the same date, the CC company states that I have overpaid. I called in and was issued a refund of the amount I overpaid ( - {$4.00} ). On XX/XX/2022 the check was issued and sent to my home address. After I received the check, I deposited it into my bank account. The amount the CC company issued and the information on my statement were different ( the check was issued in the amount of {$4.00} instead of {$4.00}. I once again called the CC company ( Comenity XXXX XXXX  ) and asked them about the discrepancy. Instead of having a proper explanation, Comenity stopped the check which caused my bank to charge me a fee for a stop payment service of {$12.00} dollars. I called Comenity again and requested an explanation and a refund of the fee my bank charges me. Comenity deposited the {$4.00} to my bank account directly. The refund for the bank fee is still not paid. I am requesting Comenity to issue the check in the amount of {$12.00} to refund the bank 's fees. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ygrene Energy Fund Inc.
State: FL

Complaint narrative:
Business Name : XXXX XXXX XXXX XXXX XXXX. 
Address : XXXX, CA XXXX Phone : ( XXXX ) XXXX I paid off my Ygrene loan early in XX/XX/XXXX and was promised XXXX refunds ; a reimbursement for the pre-payment penalty ( which I did receive ) and a reimbursement for the interest paid through XXXX which I did not receive. The interest for my loan in XXXX alone was more than {$2000.00}. I have received only the run around from Ygrene for the last 6 months about this interest reimbursement. I also filed a complaint with the California office of the XXXX  ( Complaint ID:XXXX  ) Phone : ( XXXX ) XXXX, on XX/XX/XXXX but Ygrene after XXXX nonsense response, never complied with them either I spoke multiple times with Ygrene representative XXXX XXXX . ( her e-mail is XXXX ) explaining that Ygrene required according to their " payoff quote '' of XX/XX/XXXX ( which I have, and can forward to you ) to pay interest on a loan through XX/XX/XXXX even though they received a 100 % payoff in XXXX. She confirmed that she had that document including it with her last e-mail to me ( which I have and can forward to you ). Consequently I proved to her that Ygrene owes me a refund of the interest for XXXX, XXXX and XXXX. She promised to forward this complaint to yet another Ygrene representative and after that I have heard nothing back from her or anyone else. Please note that this complaint is now approaching 6 months!!. It defies both logic and fairness that anyone pay interest AFTER a loan is completely paid off but that is Ygrene 's position. By the way, I also paid off my auto and home in XXXX and they also ESTIMATED the excess interest on their loan payouts and after the loan was closed, I received a refund on the excess interest paid ) Please help me recover this interest and teach Ygrene that they can not behave this way with consumers!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : Account # XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXXXXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX 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 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 2022-04-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : Account # XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX  has violated my rights. 
Account # XXXX XXXX XXXX  has violated my rights. 
Account # XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
During the pandemic, my loans were placed on 0 % interest and in forbearance. However, I continued to make monthly payments and was able to pay off down my loans. 

Last week, I applied to recertify my XXXX plan. Immediately following my application, I was sent a two sentence notice that stated I did not qualify. There was no guidance in what I was qualified for to help with trying to " guess '' what my repayments would now be given that the forbearance is ending and that I had paid down some of my loans during this timeframe. 

I tried to utilize the calculator but it provides ranges of monthly payments. There is no solid answer until the actual loan turns back on for repayment and I'm told here is what you have to pay... so YOU figure it out. 

I've never missed a payment. I didn't vote for XXXX because he promised " forgiveness '' of loans, and I'm not out there promoting the legislatures who are trying to have loans blanketed " forgiven. '' I literally just want to know what my repayment amount will be with an ample amount of time to adjust my finances accordingly on my end. It is unfair to me and the other individuals out there who are trying to repay their loans but can't get a straight answer. I understand " COVID '' and " other factors '' have contributed to the problems were are seeing with loan servicing providers ( and for that, the rest of this nation and world ), but how can you expect a consumer to repay a loan with the click of a switch, without knowing in advance what that prepayment amount will be? How can a loan servicer expect their consumers to balance between mortgage/rent, gas, rising energy costs, rising food costs, and pay down their debt with stagnant wages? 

All I am literally asking for is my repayment amount with some advance notice to readjust my monthly expenses so I know where I have to cut costs to afford the repayment because right now I'm left guessing with a spectrum of what it could cost for repayment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
Convergent Outsourcing is attempting to collect a debt that I do not believe is my account. I've been a XXXX customer since XXXX, so I have no idea why they think I wasn't paying XXXX in 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 2022-04-05 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: FL

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2022-04-05 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: TX

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX | XX/XX/20XXXX XXXX  Inquiry {$0.00} 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