vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to notify you that I disputed this alleged debt with CareCredit and I am submitting a complaint about one of the providers that signs customers up for CareCredit cards. 
This alleged debt is associated with a dental visit on XX/XX/2029 Before my visit I made sure that the provider accepted XXXXXXXX ( XXXX XXXX  ). During this visit, employees at the dentist office signed me up for CareCredit while I was sitting in the chair, by giving me an XXXX. They did not explain to me that this was an account with deferred interest, in which I would eventually have to pay the interest. They also did not give me notice of my treatment plan before signing me up for this account and didnt notify me that part of the treatment would not be covered by my XXXX. I understand that these practices violate California law. Specifically, Business and Professions Code Section 654.3. 
This is the kind of conduct that was the subject of CareCredit'sXXXX consent order with the federal Consumer Financial Protection Bureau . CareCredit was supposed to change their practices and properly train and monitor your providers to stop misleading consumers. However, these unfair and deceptive practices are continuing. I did not receive the service I was billed for I contacted CareCredit 's dispute resolution they did a rubber stamp of the offending fraudulent dentist 's narrative. This is absolute fraud not a misunderstanding I contacted Dispute Resolution 4 or 5 times each time they asked me for no information and totally relied on their assignee. 
Furthermore, I did not receive all of the care for which the dentist billed me. This is another reason that I dispute this alleged debt.

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 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was involved in a vehicle accident In XXXX using a rental vehicle and somehow they are still charge me an amount with no reason I have not heard from this company in months and everything is currently being taken care of by my lawyer and my insurance company. The car rental company is called XXXX in XXXX XXXX Florida they have charged {$230.00} on XX/XX/2020 and I disputed it with my bank which is TD and they deemed the transaction correct even though it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
Hello, I have been working on behalf of a struggling homeowner to attempt to facilitate a short sale on his home so as to pay off the bank and to avoid a foreclosure on his credit report. The loan in question is the 2nd mortgage with KeyBank. We have been at this process for the past 9 months with absolutely no response or resolutions. I am a professional who has completed around XXXX short sales and I am well skilled and knowledgeable in this field. This has to be the most disastrous experience I have ever had working a short sale. There are no phone calls back to me when I call to get a status update. each time I call I'm told someone in the Mortgage department would call me back in 30 minutes, 1 hour, and other times, etc. I have yet to receive a callback and when I call to complain I'm being told that there is no one in the department to he ; p me. 

I did call your corporate office and filed a verbal complaint with XXXX. As the saying goes the apple doesn't fall too far from the tree. XXXX is just as unreliable and refuses to call me back. She states that she will reach out to the department to advise them to call me. I have yet to receive a callback, I'm requesting your assistance as I have exhausted all means possible and my client ( homeowner ) is terrified that the bank will auction off the home without giving them the opportunity to settle the matter in a mutually beneficial way. I understand that we are in very unprecedented times and staff is low. I have taken this into consideration with the bank as I have done with all my other banks I deal with. Unfortunately, this has gone beyond any type of courtesy that can be given The name of the person in charge of this file is XXXX XXXX He does not return calls as promised and his colleagues apparently want to defend him. Please have this bank investigated and some form of punishment is needed to deter this behavior. I can only imagine the number of homeowners who do not have an advocate like myself who have given up and lost their home I have initiated a complaint also with the New York state banking committee I will await to hear from someone My contact info is asl follow XXXX XXXX XXXX XXXX I have a long list of times and dates and some recorded calls to provide as evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: EQUIFAX, INC.
State: MT

Complaint narrative:
impossible to temporarily lift freeze on credit report in timely manner on line or over the phone. numerous attempts most recently today XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: NV

Complaint narrative:
These are not my accounts. Please remove them. I am not a mortgage company nor am I a credit company,.

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 2021-01-29 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: NV

Complaint narrative:
These are not my accounts. Please remove them. I am not a mortgage company nor am I a credit company,.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
date : XX/XX/2018 {$550.00} this is not my debt, i have no knowledge of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
An item is listed on my credit report from the company. I am not aware of any account from the original creditor at the time the account is stated it was opened. I have disputed the account with the credit reporting agency several times, but the issue has not been resolved. I have no idea where this account came from as I have not had an account with the original creditor in many, many years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have Bank of America CALIFORNIA EDD DEBIT VISA ACCOUNT. Due to.faulty chip technology I and a million other people got scammed. I lost {$900.00} on that with precious little help from Bank of America. EDD CLOSED THE ACCOUNTS OF 1.5 MILLION UNEMPLOYED people because of the fraud. As per EDD instructions I faxed and mailed all identity documentation. EDD INFORMED ME THAT MY IDENTITY WAS CONFIRMED ON XX/XX/XXXX. I still have no access to my money. The {$900.00} that was scammed, the {$1800.00} that was still in the account, the certified weeks since, and the Federal Psndemic assistance. B OF A is using {$5000.00} of my money for 3 months so far. B of A blames EDD. EDD BLAMES B OF A. 1.5 million of us have no money to pay our bills with. I have done many hours of useless telephone conversations with both. Please help!!!

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 2021-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
A new servicer, Freedom Mortgage purchased our mortgage and did not properly escrow our insurance policies which are a fire policy and a wrap-around policy. Both policies have always been paid through an escrow account. Because of this mistake our fire insurance has been canceled. We're trying to get this fixed while we can still reinstate the fire policy. So far Freedom Mortgage has met none of their deadlines, have not added the insurance back to escrow, and have no paid the policy. We're at risk of a serious increase in the cost of fire insurance if this is not redeemed on time. We're also at risk because we do not currently have insurance in case of a fire.

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 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
I have NEVER heard of this company. I have NEVER had any relationship with them. I do not owe them anything. I have always had insurance and never received a bill of any type. I want this to be removed As soon as possible. I have requested documentation and nothing was received. This is unacceptable and need to be removed IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My XXXX year old mother had XXXX surgeries last year throughout 2020 and she is also suffering with XXXX. She banks with BB & T, now Truist. Last summer she apparently had bank statements returned undeliverable by the postal service for XXXX and XXXX. For some unknown reason, her account was changed to electronic delivery in XXXX. However, BB & T continued to charge her money market account {$5.00} per month for 7 months, until we recently realized it. The customer service representative XXXX XXXX XXXX and the manager ( XXXX  ) at the XXXX, NC branch refused to waive all of the fees regardless of the circumstances. 

How many other people, especially handicapped people like my mother are getting charged inappropriately like this? 

Even if bank statements were returned by the post office for all of the 7 months, banks should discontinue sending mail to a " bad '' addresses after a few attempts. Perhaps that is why the delivery was changed to electronic? We didn't get an answer to that question. But, continuing to send mail to a bad address and charging an " undeliverable '' fee for months on end has the appearance of fraudulently trying to rack up fees and taking advantage of people.

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 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed this account which seriously affected my credit report and I have not received responses from the bureaus.

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 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX  is showing an inaccurate debt reporting on my credit report from XXXX XXXX XXXX  in XXXX XXXX, GA. I have contacted XXXX  XXXX  and the management company, XXXX XXXX XXXX, and spoke with a XXXX XXXX AND XXXX XXXX. Both state they have no knowledge of any account owed. I contacted XXXX XXXX  and was told to " stop talking '' after I told them they are inaccurately reporting an account that does not exist. The representative released the line in my ear after I told her I would not stop talking. I have filed a complaint with Top class Action Attorneys as I have located more than 100 complaints online in regards to illegally reporting and attempting to collect debts not owed. This will lead to a class action lawsuit that will help prevent this company from illegally reporting and collecting from individuals.

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 2021-01-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX  is showing an inaccurate debt reporting on my credit report from XXXX XXXX apartments in XXXX XXXX, GA. I have contacted XXXX XXXX  and the management company, XXXX XXXX XXXX, and spoke with a XXXX XXXX AND XXXX XXXX. Both state they have no knowledge of any account owed. I contacted XXXX XXXX  and was told to " stop talking '' after I told them they are inaccurately reporting an account that does not exist. The representative released the line in my ear after I told her I would not stop talking. I have filed a complaint with Top class Action Attorneys as I have located more than 100 complaints online in regards to illegally reporting and attempting to collect debts not owed. This will lead to a class action lawsuit that will help prevent this company from illegally reporting and collecting from individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: IN

Complaint narrative:
On XX/XX/2021 alerted by XXXX XXXX that I collection added to my credit report on Equifax. This was odd because I am in the process of buying a home and my credit report was just pulled that morning, those collections weren't there. When I looked at the collections on the report I was shocked. It was a total of 6 collections totaling {$2200.00}. These collections were from various collection companies. When looking at each collection it stated that its being disputed by consumer. I had never seen these collections or disputed anything, they have me mixed with somebody else. The next thing I did was call the collection companies. Each collection company said that the account number that I gave them didn't belong to me it belong to some else in different state. They couldn't find me in the system at all. The collections companies stated that they reported these collections to Equifax and Equifax reported the collections to the wrong credit report. These collections don't appear on XXXX  or XXXX. Next I called Equifax. I explained the problem and that Iam in the process of buying a house, I need them removed. They just did a dispute and said it could take 30 days. This is flat out wrong!!!!!!!!!!!!!!!. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX  is showing an inaccurate debt reporting on my credit report from XXXX XXXX XXXX  in XXXX XXXX, GA. I have contacted XXXX XXXX and the management company, XXXX XXXX XXXX, and spoke with a XXXX XXXX AND XXXX XXXX. Both state they have no knowledge of any account owed. I contacted XXXX XXXX  and was told to " stop talking '' after I told them they are inaccurately reporting an account that does not exist. The representative released the line in my ear after I told her I would not stop talking. I have filed a complaint with Top class Action Attorneys as I have located more than 100 complaints online in regards to illegally reporting and attempting to collect debts not owed. This will lead to a class action lawsuit that will help prevent this company from illegally reporting and collecting from individuals.

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 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2021 Chase closed my business checking account XXXX XXXX XXXX XXXX for undisclosed reasons. The XXXX loan applied for by the company is going to be deposited in the business checking account as well as a tax return. Chase is claiming the account will be closed in 7 days. Now I have no way of accessing those funds when the funds are disbursed. What is the reason for this decision? Please overturn the decision. The business is facing hard times in this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX and in the past 5 years, I have been diagnosed with XXXX , had XXXX major XXXX, XXXX XXXX XXXX, a broken XXXX and endless physical therapy. 

I got in touch with my student loan lender Nelnet to have my loans forgiven seeing I can't complete the degree I was going for. This started on XX/XX/2018. I was assured by a representative named XXXX that this request was being taken care of since my XXXX  dr. had sent in my XXXX paperwork to them and I'm on permanent XXXX. 

I called to see why the loans were still on my credit report and was told by a smart elic, XXXX that my loans were not in discharge status and I had to reapply. If this was so important then why are my loans just sitting in the forgiveness department not being noticed? I am tired of dealing with this bureaucrat system and want this taken care of as soon as possible. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We have applied for the PPP loan with Bank of America. The person reviewing our application is mishandling our application and keeps rejecting it without specifying the reason for rejecting it. We have attempted to contact the group that handles PPP applications with BOA but they are not getting back to us. This person is wasting our opportunity to receive the funding because of his/her mishandling of our application.

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 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed this account which seriously affected my credit report and I have not received responses from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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:
TransUnion is in violation of the FCRA Summary of Rights for Victims of Identity Theft! TransUnion is showing hard inquiry from XXXX on my credit report from XX/XX/2020. Per the FCRA TransUnion is required to send me proof of who authorized this pull of my credit? TransUnion has failed to provide me with any written documentation such as the credit application with my signature and social security number on it ; showing who authorized this hard inquiry from XXXX? Per the FCRA XXXX is required to verify who actually pulled my credit on this day. Per the FCRA " I have a right to obtain documents that lead to the opening of a fraudulent credit account, '' ( such as the credit application. ) CFPB, please have TransUnion comply with the FCRA by having them to delete this unverifiable information from my credit report. Why is TransUnion continuing to report this hard inquiry on my credit when they have not provided me or the CFPB with the written documentation, credit application I requested? Where is TransUnion 's written proof of who authorized this hard inquiry from XXXX? Why has TransUnion refused to send me the credit application that the FCRA says I have the right to see and obtain? I need to be able to see why has TransUnion attached this hard inquiry to my social security number as an individual consumer?

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