vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello. I am a consumer whose rights were violated by XXXX, XXXX, and Experian. I pulled a copy of my consumer reports on XX/XX/XXXX. I read through all of my reports and did some research. I realized that I have been ignorant of the law and that I have been violated by these agencies. I filed an identity theft report, then mailed a copy along with dispute letters to XXXX, XXXX, and Experian on XX/XX/XXXX to confirm that I didn't provide written consent, permission, or instructions for these transactions to be reported to my credit report. These transactions also should have been excluded from my consumer reports because I did not give consent, and there is no permissible purpose for these items being reported. None of the companies reporting gave me the option to opt-out from reporting, nor did I give them permission to report anything. I checked the post office website, and I know XXXX, XXXX, and Experian received these letters on XX/XX/XXXX. I gave them 4 days to block and remove these items. Today is day number 4 and I haven't received a response. Here is the list of items they were instructed to remove : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I used Citizens Bank XXXX service to send a deposit of {$400.00}. This was to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX for a private dinner event scheduled for XX/XX/XXXX. After I sent the deposit, the chef did not communicate with me to confirm details of the event and never showed up for the event. I contacted the bank to report the scam and obtain a refund since the service I purchased was never provided. I was told they couldnt do anything despite the fact that I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : Southwest credit systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My account was open XX/XX/XXXX with a credit limit of {$500.00}. I entered a Covid relief program in XX/XX/XXXX due to financial hardship. The program ended in XX/XX/XXXX. Shortly after XX/XX/XXXX my account was closed after I paid off my card. They state the reason being due to my Financial hardship can't afford the card. The program never said that after payment my card would be closed. If I knew that was a possibility I would never had entered the program. My bill was around {$300.00}. I was never informed of the closing of the account also. I spoke to someone trying to get it reopened, they said I would have to re apply for the credit card. This caused my credit score to drop.

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 2021-12-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have attempted multiple times to dispute incorrect reporting and proof of debt that is being reported by XXXX XXXX XXXX XXXX. The account reporting is reporting as a charge off account with a balance of {$71.00}. The date of last active is reporting differently with all three credit bureaus for the same account. XXXX date of last active is XX/XX/XXXX, Experian date of last activity is reporting XX/XX/XXXX and XXXX date of last activity is reporting XX/XX/XXXX. Currently this account is reporting with Experian every month as a charge off and is reporting with XXXX as being paid on time. Date of last payment with XXXX and Experian are reporting date of last payment XX/XX/XXXX but with XXXX date of last payment is reporting XX/XX/XXXX. This company has failed to provide me proper documentation to verify the debt belongs to me. In the comment it states that " charged off as bad debt, Profit and loss write-off '' but yet reporting a balance.

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 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/21 I did a balance transfer from my credit card ( XXXX XXXX ) to my husbands 's credit card ( Barclay 's UPromise ) I mistakenly only typed the first 12 numbers of his account when I did the balance transfer which you will see on the check copy provided. This payment has never posted to my hudband 's account. I redid the balance transfer in XXXX which cleared on XX/XX/21 and Barclay 's posted it letter attached. I have reached out to Barclays several times since XX/XX/XXXX to see where the first payment is sitting and they keep on delaying. On XX/XX/XXXX I faxed information over to Barclays and they keep on opening another case to research this.

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 2021-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I tried contacting their company multiple times over the last few days. I am placed on hold for over and hour and then the phone disconnects. I tried to place my loan in forbearance online and its not giving me the option for a general forbearance. I know that I have 18 months left for general forbearance so this doesnt make sense. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was injured in XX/XX/XXXX and needed urgent XXXX XXXX XXXX XXXXXXXX. The doctor I went to told me it would cost {$4000.00} cash ( I don't have insurance, I'm a XXXX XXXX ) and offered to open a Care Credit account ( managed by Synchrony ), telling me it was interest free as long as I reimbursed regularly. 
After the surgery and for a year I made the payments religiously and brought the balance down from {$4000.00} to {$2700.00}. 
On XX/XX/XXXX, the anniversary date of the account, they charged me {$1000.00} in interest fees - 26.99 % of the original amount, despite my regular payments and the fact they were not owed that money. 
When I contacted them, they refused to explain the calculation and told me it was my fault, I should have known and this was it. I offered to pay in full and negotiate the fees because I had already paid {$1300.00} and I have a great credit score. They were rude, told me there was nothing to discuss and I was wasting their time. 
I ended up payment {$5000.00} for a {$4000.00} procedure because my doctor suggested Care Credit. It's a scam. The APR of my regular credit card is 13.9 % and they are accommodating when I have financial difficulties like what happened with Covid.

Synchrony is just a loan shark peddled by doctors who are probably in on it. Disgusting and a great disservice to the American 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 monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
XXXX sold an alleged debt on XX/XX/2021 to XXXX in my name. Once I saw this on my consumer report I disputed it and asked for validation and they removed it on XX/XX/2021 because it doesn't belong to me. However, XXXX knowing this alleged debt is unverified, then sold it to Franklin Collections on XX/XX/2021 ( when it appeared on my consumer report ). This is a violation of my consumer rights to notification of alleged debts before being placed on consumer reports to allow for validation of the alleged debt, lack of privacy of my personal information, lack of consent to give out my personal information to 3rd parties ( identity theft ) and lack of reporting accurate information to credit bureaus. XXXX, XXXX and XXXX are all reposting this illegal, unverified and alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-22 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: NJ

Complaint narrative:
There are some accounts on my credit reports that I do not recognize

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 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are some accounts on my credit reports that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: NJ

Complaint narrative:
There are some accounts on my credit reports that I do not recognize

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 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am writing to request your help. WESTLAKE FINANCIAL SVC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : WESTLAKE FINANCIAL SVC : XXXX Date opened XXXX XXXX Status closed. This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : WESTLAKE FINANCIAL SVC

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 2021-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Social security numbers on my account and on my husband 's account at XXXX, XXXX, and TransUnion have the last four digits transposed. We were told this by XXXX XXXX, Finance Manager at XXXX XXXX in XXXX XXXX, SC XXXX on XX/XX/2021. We have ordered a car for next year and would like to purchase it. Thanks.

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 2021-12-22 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: SC

Complaint narrative:
Social security numbers on my account and on my husband 's account at Equifax, XXXX, and XXXX have the last four digits transposed. We were told this by XXXX XXXX, Finance Manager at XXXX XXXX in XXXX XXXX, SC XXXX on XX/XX/2021. We have ordered a car for next year and would like to purchase it. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
I have attempted to resolve these accounts with this collection agency multiple times. I have asked for proof and proof of consent of access to my medical information for the alleged debt. I have told them and provided them with information in regards to my attorney for any medical bills related to a work injury. They still failed to provide any documentation after the fact and continued to attempt to collect this alleged debt. Anything related to this case has be ruled by a judge to be covered and paid by copperpoint insurance. I requested proof of consent for them to have access to my medical information under HIPPA and proof of my liability which they responded " As you are already aware ... ... .ARS has verified this information with our client... .. '' such statement does not provide any proof. I requested this on XXXX, XX/XX/XXXX, XXXX with the same exact response each time. Their response is unacceptable and I continue to get the same letters on a monthly bases. I called them the month of XXXX in XXXX letting them know decision of the judge as well as my attorney information prior to them I had already given them my attorney information letting them know I was in litigation for this matter. My date of injury was XX/XX/XXXX which has resulted in numerous emergency visits after the injury date which the dates listed on there documentation was a resulting visit of that injury as well. Therefore is not my responsibility as ruled by the judge.

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 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover has my card locked because of this IRS consent form to access my tax records. They are threatening to close the account in XXXX if I don't give them access to my tax records. They stated they need to verify personal information and the IRS is the ones they trust to provide that. They didn't use the IRS when they issued these cards, they was able to verify you without the IRS so, why you need them now. If they close my account that hurts my credit score and I'm in a program to repair my credit and buy a house, I can't afford to have this hit now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, any and all late marks found on any of my consumer credit reports by the company are inaccurate and need to be corrected.

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 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : CREDIT COLLECTION SERV

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
When I opened this on-line savings account it was not made clear that the limit on transferring funds out was only {$5000.00} per day with an additional limit of 4 transfers per month. This is much lower than other on-line savings accounts that typically allow {$100000.00} or more per transfer. I decided to close the account as this was unacceptable. 
1. On XX/XX/XXXX I requested that the account be closed and the funds transferred back to bank account that I initially funded it with. 
2. I called every few days for the next 2 weeks to find out when the money would be transferred. The only answer i get is that it is " Under Review ''. 
3. As of XX/XX/XXXX it is still 'under review '' I feel that this bank is holding my money XXXX by not allowing larger transfers and returning the money in a reasonable timeframe. 

as I have no confidence the account will be closed anytime soon I have now requested an increase in the transfer limit to {$100000.00} per transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
First point is reporting information regarding a debt that does not belong to me on my credit report. I have contacted them to let them know about this fraudulent activity and they have not removed it. I have requested proof of signed contract or picture ID shown at time of service. And have not received anything. I want this fraudulent account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I filed a complaint # : XXXX Bank of America sent me an email following up on this complaint and told me that I had to call them by XX/XX/21. They did not leave a number that works on the voice mail and they did not leave any phone number in the email to contact them. 
There is no department listed at B of A. I can reach to address this issue.

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