vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: NC

Complaint narrative:
Prince Parker a collection agency for XXXX XXXX XXXX XXXX and XXXX XXXX have repeatedly called me regarding collection of medical debt which should never have occurred. The debt is on my wife XXXX XXXX and I am XXXX. The medical costs were for my XXXX XXXX XXXX XXXXXXXX submitted us twice for debt collection on this same issue but in different amounts ( XXXXXXXX XXXX XXXX XXXX ). I have cleared this issue twice with XXXX billing department last on XX/XX/XXXX and was told by XXXX XXXX and Prince Parker that a letter would be provided showing the billing mistakes were their errors and the issue had been cleared up. Received another call from Prince Parker on XX/XX/XXXX which prompted this complaint. I paid my insurance deductible of around XXXX XXXX in XX/XX/XXXX and XXXX messed up the billing and collection from insurance company. I am also filing a complaint with the NC medical board on XXXX XXXX. FYI XXXX sent this to collections twice the second time was for XXXX. I actually received a refund from XXXX as I owed no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: AL

Complaint narrative:
Equifax. Equifax appears to have wrong address or other personal info. Can not get beyond the ROBO answer machine to unfreeze credit report. 

Equifax created the need to freeze accounts and yet is too despicable to answer calls from their victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have a XXXX card that was charged on while I was not in that state. I'm in South Carolina, the 3 charges were made on a fraudulent replica of my card at XXXX store in XXXX, XXXX, store # XXXX. Charge # XXXX XXXX, at XXXX trans. # XXXX. XXXX. Charge # XXXX at XXXX trans. # XXXX amt. XXXX. Charge # XXXX trans. # XXXX amt. XXXX. I made Police report in XXXX XXXX SC, where I live. Case # XXXX. They won't cross state lines. My bank is Truist Bank. My claim # XXXX. My card # is XXXX XXXX XXXX XXXX. XXXX. My phone # XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX. A good contact person at the bank is 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 monetary relief
Consumer complaint received 2023-01-06 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: CA

Complaint narrative:
Hello, The bureaus have not deleted these fraudulent items that are being reported let alone investigated anything. Also there is a bankruptcy that was filed 10 years ago that is still being reported that is past the statute of limitations. 

Please review the FTC report and information I have sent out thank you, 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 2023-01-06 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: NY

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have banked with Bank of America since I was XXXX XXXX XXXX. I am XXXX now -- so my entire adult life so far. I am not sure why I still bank with them because over the course of the last few years, there have been multiple issues that have brought me to this level. Today, when reviewing my checking account, I noticed dozens of overdraft protection fees charged to my checking account. I was completely unaware that there would be a fee associated with overdrafts because I have my checking and savings accounts linked. The point of that, or so I thought, was that as soon as my checking account balance is overdrafted, my savings would automatically and immediately fill in the balance. 

I always had sufficient funds in my savings to cover the expenses in my checking. The whole reason I stopped keeping a balance in my checking account is because my debit card with Bank of America has been compromised almost XXXX times over the last decade. Rather than risking this happening, I started keeping all of my funds in my savings account. Any direct deposit check I received, any deposit I made, and XXXX transaction -- all of it goes directly into my savings to protect it. 

I am sure Bank of America will say that the explanation is in the fine print. That is not enough for me. I should have had a representative call me and point out that my checking account was getting charged dozens of times in the same month, and what I can only assume may be hundreds of times over the last XXXX years.

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 2023-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
I am working toward loan forgiveness through the Public Service Loan Forgiveness program. 

A few months ago, I received notification that DOE finally approved an employer that's been in question for over a year - XXXX XXXX XXXX XXXX. I had originally submitted the paperwork to XXXX in XXXX of XXXX and received notification that the employer was verified by DOE in XX/XX/XXXX. 

My loans were transferred to Mohela in XXXX XXXX XXXX and at that time I already had XXXX qualifying payments without the additional payments I was expecting from my time working at XXXX XXXX XXXX XXXX With the employment verification of XXXX XXXX XXXX XXXX XXXX that will add an additional XXXX qualifying payments. I also still work for a qualified employer and have submitted employment verification forms for XXXX XXXX XXXX which would only add more qualifying payments. 

From XXXX and now Mohela, I've been waiting over 14 months for my counts which would exceed XXXX at this point in time. I'm so frustrated. 

I've submitted all of the proper documentation to XXXX and now Mohela. Mohela has had all of my information for over XXXX  days and still no action has taken place. I've made my XXXX payments, I've submitted all of the necessary documentation- I've done all that has been asked of me. 

Over the last 14 months, I have filed complaint after complaint, made phone calls, sent messages, reached out to local politicians, sent form after form. 

Now, I ask kindly, when will my loans be discharged?? 
I'm tired of waiting patiently

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have a BestBuy credit card through Citibank. About a month ago I tried to setup online banking. For some reason there was an error. I contacted support and spent over XXXX minutes on the phone with different levels of their customer service. No solution could be resolved and I was told I would be called back. I provided my number and was never contacted back. 

Today, I tried making a payment which usually is simple over the over the phone. But it sent me right to customer support. Where I was told I was supposed to receive a confirmation code or something along those lines. Which I never did in the past month. 
So I was unable to pay my minimum. So I will be charged interest and a hefty late fee now. 

The customer service seemed incompetent when I talked to them about the issue. I can barely hear them when I call and I have trouble understanding them too. I tried calling Citibank directly but that lead to a dead end. 

At this point I just want this credit resolved so I never have to deal with this support or bestbuy/citi bank again. I've over an hour and a half of my time trying to solve something that seems to be simple. 

Thank you for your time and I look forward to hearing back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I have attempted to contact this company several times about this debt in the amount of XXXX  but the correct amount is XXXXXXXX. I spoke with someone and they advised they could not show payment history due to it being charged off but are still collecting funds without third party. I have contacted the 3 credit bureaus and they have been unsuccessful with getting this debt removed or 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 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aspen National Financial, Inc.
State: TX

Complaint narrative:
I never received a notice of right to dispute AND This is just another TIMESHARE SCAM! THESE PEOPLE NEED TO BE STOPPED FROM XXXX PEOPLE OFF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: TN

Complaint narrative:
My husband purchased a {$300.00} XXXX gift card for me as a gift from XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, TN ) on XX/XX/XXXX and received an Activation Status Receipt with an authorization approval along with the gift card. The gift card packaging was unopened and intact. I attempted to activate the gift card online at prepaidgiftbalance.com on XX/XX/XXXX and received an error message ( Prepaid Gift Balance is a part of US Bank Gift Card which is a part of FSV Payment Systems ). I called the XXXX # on the card and was routed to a Customer Service Rep. I was informed the gift card had been deactivated because there was attempted activity on the card in XX/XX/XXXX and it was sold and loaded with funds in XX/XX/XXXX. This indicated fraudulent activity to them and thus the deactivation. I was told they would look into my issue but contact the store where it was purchased since the problem happened there. I faxed the requested info to prepaidfigtbalance.com to start the " investigation '' and followed up a day later to verify they received the fax. They told me it would take 5 days to verify they received my fax. If they didn't receive it to fax it again and wait another 5 days for verification. They don't have an email to send documentation. They will not let you talk to a supervisor or escalate the issue. 

I contacted XXXX Customer Support on XX/XX/XXXX and they were unwilling to assist me. I went to the local XXXX store where the card was purchased on XX/XX/XXXX and was told by the Store Manager they are unable to assist me and have no responsibility whatsoever. I asked for their assistance in resolving this with Prepaidgiftbalance.com and they refused. However, this is not an isolated incident at this particular store. The clerk working Customer Service at the store said that a customer had come in the previous day with the same issue. Yet XXXX continues to sell these fraudulent cards even though they are aware there are issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: TX

Complaint narrative:
This alleged has been reported and is not resolved, I need to know the verification method used on investigating this account. I provided all appropriate information on previous complaint. I would also like to inform you this account has been removed from XXXX and XXXX, so your improper investigation is concerning and by law all my information should be accurate amongst all reporting agencies. Again this is very stressful and causing harm to me and my family due to neglect on Experian part. 

Please provide all documents providing by furnisher and step you took to come to the inaccurate conclusion you have come to in regarding to this account. 

XXXX XXXX is the alleged account. 


Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion does not answer my dispute of XXXX XXXX XXXX they list on my report. TransUnion doesn't think they need to investigate a consumer 's complaints. This erroneous reporting of information needs to be investigated and deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Someone tried to open a bank account at Bank of America with my social security number and e-mail address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent Equifax a credit report dispute concerning their file number XXXX dated XX/XX/XXXX which disputed information contained in this report. My dispute letter was dated XX/XX/XXXX. They did not correct all the items indicated in my dispute letter. Also, they did not provide documentation supporting the uncorrected information, but rather parroted the verification of the entity that originally submitted the adverse information to them. In otherwords they did not do a first hand investigation of the adverse information as required by law. The courts have ruled in Cushman v. TransUnion, 115 F.3d 220, 225 ( 3rd Cir. 1997 ) and Stevenson v. TRW ( Experian ), 987 F.2d 288, 293 ( 5th Cir. 1993 ) that this type of verification is inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: SC

Complaint narrative:
I have been making payments on my student loans since XXXX to XXXX XXXX XXXXXXXX XXXX, prior to finally being told in XXXX ( after multiple calls with difficult customer service representatives ) that my loans needed to be be consolidated to receive credit for public service forgiveness, although I had made been making payments for XXXX  years prior. Subsequent to consolidation, while working for the XXXX XXXX XXXX XXXX, I have continued making payments, all while making a minimum salary to help support my family which included XXXX kids in daycare. Additionally, after submitting documentation for XXXX in XX/XX/XXXX my status remains as " processing ''. I have called multiple times to inquire only to wait for hours on hold and then be hung up on by the representative. Poor customer service, avoidance tactics, and excessive processing times add to the financial burden of student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief