vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

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 2021-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
I do not have a contract with this company. They are trying to say I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2020 I the consumer and original creditor entered a consumer credit transaction in which I was the creditor and the seller with Wells Fargo Auto. Because there was a finance charge involved pursuant to 15 USC 1605a ( 5 ) Insurance should be included in the finance charge. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. 

Again, I entered a consumer credit transaction with Wells Fargo Auto on XX/XX/2020. I never asked or gave Wells Fargo Auto permission to send me a bill/statement. In this bill/statement were FDPCA violations, 15 USC 1692b, 15 USC 1692e ( 10 ), 15 USC 1692e ( 11 ), 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) a and 15 USC 1692j ( a ). On XX/XX/2020, Wells Fargo Auto sent me a statement/bill of an alleged debt., with important auto-loan information stating that I received a loan. I never received a loan from Wells Fargo Auto, I only entered a consumer credit transaction with my credit card, meaning my credit card was used to originate this consumer credit transaction. Making me in fact the original creditor pursuant to 15 USC 1602g. Pursuant to 15 USC 1602i the term " credit card '' means any card, plate, coupon book, or other devices existing for the purpose of obtaining money, property, labor, or services on credit. I used my " credit card '' to obtain this property ( automobile ).

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 2021-01-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has failed to update the credit card account status as closed. Subsequently the company failed to contact me regarding a {$75.00} past due amount in an account with a {$27000.00} limit. The {$75.00} was due to an annual fee. This single item has single handedly ruined my credit. They need to re assess the threshold in which their collection ... .or in this case courtesy ... ... efforts begin. I assume their dialer or a rep did not call on the account due to the limited dollar amount of the delinquent amount. Additionally it is nearly impossible to sign up for automatic payments on their app which I would argue to be predatory.

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 2021-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 I the consumer and original creditor entered a consumer credit transaction in which I was the creditor and the seller with Suntrust Bank. Because there was a finance charge involved pursuant to 15 USC 1605a ( 5 ) Insurance should be included in the finance charge. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. 

Again, I entered a consumer credit transaction with Suntrust Bank on XX/XX/2020. I never asked or gave Suntrust Bank permission to send me a bill/statement. In this bill/statement were FDPCA violations, 15 USC 1692b, 15 USC 1692e ( 10 ), 15 USC 1692e ( 11 ), and 15 USC 1692e ( 2 ) a. On XX/XX/2020, Suntrust Bank sent me a statement/bill of an alleged debt., with information about auto-loan information stating that I received a loan. I never received a loan from Suntrust Bank, I only entered a consumer credit transaction with my credit card, meaning my credit card was used to originate this consumer credit transaction. Making me in fact the original creditor pursuant to 15 USC 1602g. Pursuant to 15 USC 1602i the term " credit card '' means any card, plate, coupon book, or other devices existing for the purpose of obtaining money, property, labor, or services on credit. I used my " credit card '' to obtain this property ( automobile ).

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 2021-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Their online banking, mobile app and telephone banking system have been down for over a week. 
Tried calling two branches ; at one they would not answer the phone, it just rang and at the other they put me on hold and never came back. 
This is not the first time this has happened. 
Luckily due to some other problems with them, I don't keep much money in their bank anymore. 
I do worry about everyone else. 
There is something very wrong with this BMO Harris Bank 's operations.

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 2021-01-10 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My CitiBank credit card was fraudulently used for two transactions on XX/XX/2020. One charge was for {$220.00} and the other was {$450.00}. I reported these fraudulent charges to CitiBank in XX/XX/2020. When I spoke with the CitiBank representative they were able to eventually refund the charge of {$220.00} toward my account. However, I was notified, on XX/XX/2020, they would not be refunding or able to reconcile the fraudulent charge in the amount of {$450.00}.

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 monetary relief
Consumer complaint received 2021-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Greetings, My name is XXXX XXXX. I am contacting you regarding an auto loan with Santander Consumer. This company has already been sued over the business practices to the amount of {$65.00} XXXX  dollars. I had my car repo twice by this company. Funds were never an issue. My girlfriend and I have our jobs for over 5 years. I used my credit card to make my pays to keep all my bills all in my own place. Santander changed its policies without any notice. Santander no longer wanted to accept credit cards. I paid the fees and got my car back. To prevent this from happening again, I providing my banking info for auto payments for the car loan. Everything was fine for around 2-3 years. Until one day Santander was no longer taking the payments. This ruin my credit I tried to fight, in return Santander repo my car again. Even though I had the funds to get the car back. I was just had enough of the games and tired of jumping throw loops just to pay my car note. 

Thank you for your time, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX credit bureau has destroyed my credit with their incompetency..first data breach led to crooks getting my email password, running up credit cards and seeing all personal info and attempting to get money from bank account at XXXX. 
IN addition their website Dispute system has been broken for months and after hours of verifications on the phone they have refused to handle disputes which is highly illegal. 
I have attached an FTC REPORT AND A XX/XX/2020 EQUIFAX REPORT THEY SENT ME IN THE MAIL. 

I have circled on their report all of the accounts I want disputed and removed per the FTC report and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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 accounts are not mine. I am not a credit repair company nor am I a mortgage company in efforts to fix my credit. I have provided my personal information of who I am. Please remove the following information from my credit report immediately. Thank you.

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 2021-01-10 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 accounts are not mine. I am not a credit repair company nor am I a mortgage company in efforts to fix my credit. I have provided my personal information of who I am. Please remove the following information from my credit report immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
When I was about 14 years old, I made a poor decision. I misused checking account and it resulted in permanent closure of the checking account. I was unable to open a new account with Chase ever since. When I turned senior in high school, I started regretting about what I've done and I decided to pay back negative balance on my closed Chase checking account. They were still unable to open a new account so I decided to open new account with other banks. I've been responsibly taking good care of my bank accounts and credit ever since then. Now I'm XXXX now, almost XXXX years old, I want to do business with Chase again for my company and personal financial management and growth. So I decided to apply for new account and I got an error message saying I needed to visit Chase branch. So I went to branch next day and banker was unable to open a new account because system didn't allow him to. So he told me to call 1 800 number about this issue and so I did and customer service agent told me that branch manager was the only one that can override it. So I called the branch manager and she said she'd get back to me but she never did ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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:
On XXXX XXXX/XXXX placed an unauthorized inquiry on my Equifax Credit Report. On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax Credit Report. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681 b ( c ). This is a serious breach of my privacy rights. 
I have been calling XXXX/XXXX, XXXX XXXX, and Equifax since XX/XX/2020 and I have yet to get any proper response I was told by XXXX they didn't have any documentation bearing my signature and they would contact Equifax to remove the inquires yet no actions seem to have been taken by XXXX since. I don't have an telephone account with XXXX XXXX and I contacted them and they told me they don't have an account for so they can not remove the inquire. I contacted Equifax about the Issue of the unauthorized inquire by XXXX and they said they have no power to remove the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one/Walmart XXXX XXXX XXXX XXXX XXXX, UT XXXX USA I have two of the same name and right there is inaccurate reporting in my credit report Amount is XXXX 2. Is for XXXX I know right there is fraud because u cant have two cards by the same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: LA

Complaint narrative:
I have been disputing fraudulent items on my credit report with Equifax, XXXX, an XXXX for the past six months to no avail. I first submitted my first dispute for XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, which is a collection account that was once removed due to fraud since XX/XX/2020. I submitted an FTC report to XXXX, Equifax, and XXXX with these fraudulent accounts and every time I submit a dispute and attach the Identity Theft Report from the Federal Trade Commission, they all states the item was certified from the creditors. I've asked for validate that the items belong to me, with my signature as proof, but the Credit Bureaus won't cooperate. Equifax, XXXX, and XXXX states that the FTC report was not valid when I worked with a representative from the Federal Trade Commission to create the Identity Theft Report. The accounts from XXXX XXXX, XXXX XXXX XXXX. and XXXX XXXX were removed already due to fraud. This is totally unacceptable and these accounts are reporting negatively on my credit report and affecting my livelihood. According to the FCRA, when you submit an Identity theft report, those accounts should be removed with 24-48 hours.These accounts have been reporting fraudulently since XX/XX/2020. The negative reporting have dropped my credit score from a XXXX to XXXX. I've spoken with XXXX XXXX about the fraud. They know I didn't open these accounts, but they are still reporting them negatively because I won't press charges on the person I suspect that used my identity. I did not open these accounts and I should not be held liable for these fraudulent accounts.I call these Credit Reporting Agencies all day everyday. It takes so much time out of my life. It's very depressing and and is taking a toll on me. The hold times to speak with a representative is almost a 45 minute wait. It's very tedious and frustrating to have to fight for what's right, when the bureaus hold your life in their hands. I pray that this complaint rights the wrong I've experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I opened a line of credit with the company quite a bit of months back. The employee at the time set me up for autopay. I agreed and they charged me twice a month to pay the premium. I decided months later to stop the auto-pay and did so through their website. They charged me again, without permission, the next cycle. I called the company and the employee hung up on me and when I called a second time, I was immediately placed on hold. When I finally told them what the issue was and that I wanted a refund, she stated that its in my contract that I have to pay by auto eft. I double checked and the contract explicity states that once I stop the auto eft, that they can not go in my account and just take the money. I did not know this on the phone, I checked after my call with her. She offered no other way to fix the situation. I immediately called my bank and set up a dispute with them. I could not do a stop payment because they are not in my banks database. They have since continued to automatically charge my account without my permission. The second to last time they did it, I called them again and asked to have my card number completely removed from their files. The employee on the phone said that he can do that, I was not offered this solution with the first employee I spoke to. He said he deleted my information and that I can pay on my own then. Just recently they charged my account again. I had to dispute the charge again as it adversely affected my finances for that account. At this point, I'm looking into filing a complaint with the fraud department of my bank and also with any government agencies that monitor shady businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I have disputed this account several times with no resolution. My problem with them started after my 1st dispute with XXXX XXXX XXXX. I asked for validation and they did not provide it. After my attempt to dispute this account, they started reporting my account with false late payments. I have copies of my credit reports dating back to XX/XX/2020. They have two different amounts owed, and two different Date of First Delinquencies. I have attached the copies of my reports with this complaint. After they could not provide validation of the late payments with the XXXX XXXX, the late payments were removed from my file. They then sold the inaccurate time barred account to a collection agency called the XXXX XXXX XXXX. I have experienced pain and suffering from everything this company has did to me. I plan on hiring an attorney to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2021-01-10 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: DC

Complaint narrative:
Chime Bank has had five separate incidents of customers not being able to use their own cards- neither their debit cards, nor their credit cards, within the past twelve months. 

Most recently, I reached out to Chime because my debit card had been declined with more than enough funds. First, they tried to deny the issue. When I continued to send evidence via screenshots, they told me there was an issue with the merchant. When I pressed and said the issue had replicated with *multiple* merchants, they told me that both of my cards, credit and debit, were defective. I asked about the credit card because Chime, as a bank, had a deal with their clients that if more than 100 purchases were made using their Credit card, a metal card would be issued. However, they made it very clear that the metal card was single issue and would not be replaced under any circumstance. I inquired about this, as it took months for me to make it to the 100 purchases, and following my inquiry, Chime has cut off all communication. 

I have sent three emails in the past three days. I have been unable to use my credit or debit cards at all, and ALL of my money is in my accounts ( my direct deposit goes here ). I was unable to purchase the money order for my rent ; I have been unable to purchase groceries ; their phone line just states they have too high a call volume to answer, try looking online for answers. Their online bot is off ( has been for at least the past two weeks, 100 % of the time ), and the multiple emails to customer service have gone unanswered. 

I need help. I have more than {$1000.00} stuck in those bank accounts frozen, and that's all I have. This has been an incredibly frustrating issue, and it is the fifth time in the past twelve months that all funds for some or all Chime members have been frozen/inaccessible with little to no accountability for the financial institution. Once I get my money, I will be closing my accounts and choosing a new financial institution.

Company response to consumer: Closed with explanation