vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I received notice of a bill that was in the collection from Capital Accounts in late XX/XX/XXXX. I immediately responded in writing by certified mail on XX/XX/XXXX, disputing this bill because I do not owe any money to XXXX XXXX XXXX. I was sent back a " validation '' that had charges on it that clearly weren't mine and interest and fees which are not allowed by Texas Law. Capital failed to send me enough information to verify that I owed anything on a bill from XXXX. Capital Accounts basically extorted me by threatening to report the information on my credit report whether it was right or wrong if I didn't pay or set up a plan by XX/XX/XXXX. I decided that I didn't want to have to fight to get this incorrect information removed from my credit, so I decided to set up a payment plan just to make it go away. I set the payment up on XX/XX/XXXX and Capital Accounts reported this false information anyway. When I called to clear up the mistake agents they tell me that they can not see that a payment plan was set up in their system. I emailed them my confirmation 3 times, got passed around, and was placed on hold for hours. Finally, I was told that a supervisor would call me back ( by XXXX XXXX whom I was told was a supervisor on a prior call ). No one ever called me back. I was forced to cancel my credit card to stop the payments since Capital Accounts refuses to acknowledge that I set up a payment plan.

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 2021-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Opportunity Financial, LLC
State: AR

Complaint narrative:
Couldnt get my loan request fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
In XXXX of 2021 Chase bank closed my accounts, there was close to XXXX between both accounts. I have tried calling them multiple times to find out when I will be receiving my money from them, they keep giving me the go around and saying they are doing an investigation on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a big stress on my life.

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 2021-09-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone hacked into my edd debit card to transfer the below funds out to a XXXX XXXX  checking account. 
BANK OF AMERICA FndTrnsfr XX/XX/2021 XXXX Direct Deposit Funds Transfer Return {$5000.00}

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 explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OR

Complaint narrative:
My Direct loans transferred to FedLoan servicing on XX/XX/2021. After multiple attempts to inquire how 109 past payments made to XXXX XXXX XXXX ( XXXX ) and XXXX are being reported for PSLF/TEPSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX. I had an approved PPP loan from the financial institution Wells Fargo. This was the first draft loan. I then made an application submission. For the second draw ppp loan. Which I was not approved for due to closing dates and lack of funding. There was a law that stated that small business with under 20 employees will be made a priority and theyre applications would be processed first and should be approved within no longer than 14 days. Specifically from XX/XX/2021 to XX/XX/2021. I asked about my application multiple times through this time period, and even after. And by the end of the Loan Program I was not given an approval of my second loan which was based off the same data from my first draw loan. And was not given adequate response or opportunity to reapply for the loan. There was no adequate information as to why my application took so long and why I was denied.

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 2021-09-06 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: CT

Complaint narrative:
i checked my credit report today and i found out that experian is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX. 
account Number XXXX. 
this account has been disputed and deleted in the past and has recently been deleted by XXXX  from my consumer credit profile. 
Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from 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 2021-09-06 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: HCFS Healthcare Financial Services of TeamHealth
State: CT

Complaint narrative:
i checked my credit report today and i found out that experian is attempting to report an invalid collections account on my credit report from ARS ACCOUNT RESOLUTION XXXX. 
account Number XXXX. 
this account has been disputed and deleted in the past and has recently been deleted by XXXX  from my consumer credit profile. 
Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from 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 2021-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OR

Complaint narrative:
I have applied for PSLF. My loans ( 1 & 2 ) were transferred to FedLoan Servicing in XXXX of 2021. 

I am concerned with how the Payment Counts differ, 17 & 55. These are consolidated loans, and payments were made on-time and were in an income-based repayment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I've disputed several creditors numerous times due to a false report made on my credit for a " medical bill '' they have all taken the debt off of my credit report ... fast forward to today I went to check my score ... There is a Phenix Financial Services trying to collect this same debt! Which in the past other creditors have tried to collect and when disputed it was taken off ... With Phenix I've sent them a request asking them for proof of debt about a year ago and it said it was removed but it's back on there! THIS TIME IT SHOWS THE SAME AMOUNT {$1100.00} REPORTED 8 TIMES IN THE SAME DAY FROM THE SAME ORIGINAL CREDITOR " XXXX XXXX XXXX '' with " PHENIX FINANCIAL SERVICES '' TRYING TO COLLECT ... Then there is another one with a different price of {$580.00} THAT IS LISTED TWICE IN THE SAME DAY by the same collections agency " Phenix '' for the same original creditor! Then it shows AGAIN for the amount of {$110.00} by them! So now I have 12 times in the same day Phenix reporting to my credit to collect a debt they bought from XXXX XXXX XXXX that I've disputed in the past and it had been removed! I don't even know who XXXX is or what Medical debt they're talking about? I never recieved a bill either! I'm a hard working mother of XXXX I've been saving for the last 12 years to put money down to buy a home I've been working on my credit for the last 6 year 's and now I have to deal with this! If this isn't illigal it ABSOLUTELY SHOULD BE! 12 TIMES! THE SAME AMOUNT IN THE SAME DAY FOR THE SAME THING?! THEIR BILLING PRACTICES AND DEBT REPORTING ESPECIALLY DURING A TIME LIKE NOW WITH COVID GOING ON IN THE MIDDLE OF A PANDEMIC WILL CAUSE ALOT OF HURT AND A LOT OF DAMAGE TO FAMILIES TRYING TO DO THE BEST THEY CAN IN THESE CIRCUMSTANCES! THIS IS NOT RIGHT and I ask that you please look into how they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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:
I have sent many letters and not getting response. This is very unfair and goes against the FCRA. The bureaus are taking advantage of me. They should not be able to break the law like 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 2021-09-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, my debit card was hacked and i had to change banks. My automatic payment to XXXX XXXX was stopped due to my bank account closed. I have lived outside the US since XXXX. 

On my credit report, XXXX XXXX  and then Portfolio recovery reported the same debt at the same time. But Portfolio recovery aged the information date on my report. My last payment date was XX/XX/XXXX as shown in the attachments. Portfolio recovery is showing it as XX/XX/XXXX in order to attempt to collect. XXXX XXXX  original negative report has since dropped off my credit history but PRA remained to be able to continue harrassing and rudely calling to collect. I notified their agent about the mistake on their reporting and they told me that i was wrong, even though i had proof. I triedt to dispute with the 3 credit agencies and was rejected. I have sent emails and proof to Portfolio recovery and they never responded to any of my emails. When their rude agents call for payment, i notify them and they rudely speak to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, my debit card was hacked and i had to change banks. My automatic payment to Amazon/synchrony bank was stopped due to my bank account closed. I have lived outside the US since XXXX. 

On my credit report, Synchrony bank and then XXXX XXXX  reported the same debt at the same time. But XXXX XXXX  aged the information date on my report. My last payment date was XX/XX/XXXX as shown in the attachments. XXXX XXXX is showing it as XX/XX/XXXX in order to attempt to collect. Synchrony bank original negative report has since dropped off my credit history but XXXX remained to be able to continue harrassing and rudely calling to collect. I notified their agent about the mistake on their reporting and they told me that i was wrong, even though i had proof. I triedt to dispute with the 3 credit agencies and was rejected. I have sent emails and proof to XXXX XXXX  and they never responded to any of my emails. When their rude agents call for payment, i notify them and they rudely speak to me.

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 2021-09-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent many letters and not getting response. This is very unfair and goes against the FCRA. The bureaus are taking advantage of me. They should not be able to break the law like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
Kay Jewelers is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. Kay Jewelers is reporting a 30 day missed payment on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX is reporting a 30 day missed payment on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

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 2021-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had programmed my automatic monthly discounts, But notice they didn't discount me for two months, I called the comenity bank to find out what happened with the discount, they told me that the automatic pay and They told me that the automatic payment was only for 6 months and that I should call to renew it, I told with the representative of the comenity bank and I explain him that the nobody told me that, However, that day, ( XXXX XX/XX/2021 ) I paid on line {$250.00} and the balance was {$830.00} ( Shown Statement 1A ) The guy told me that my balance almost finish in XXXX because I am paying $ XXXX monthly. 
I was surprised with the new statement, because the comenity bank is charging to me a new balance by {$1.00} plus {$380.00}, ( Shown statement 2A ) once again, I called at the Comenity Bank I told with another representative, and he told me that the new balance include interest by {$350.00} ( more or less ) ; Nevertheless I offered to pay the total amount If he removed form the statement this charged, and I make a request to listen the previously conversation because nobody told me about the new charge. 
He told me that the people in charge of the bank would do that, and after that, the bank bank would call me, but I they never called me By second time, I tried to call to be explained why the case had not been solved. 
Even Worse, they are charging me {$23.00} ( Shown Statement 1B ) in additional interest on the previously {$350.00}. 
I make this public complaint so that Comenity Bank adjusts to what has been agreed with its employees in order to solve it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-06 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: GA

Complaint narrative:
Reason : Inaccurate information I am writing to update/correct my personal information on file with your 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 2021-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: TX

Complaint narrative:
They have took out a total of XXXX dollars that are unaccounted for. They also said I took out increments of XXXX out of an arm. My bankstatensnts and transactions don't match. They just keep blowing me off and have even closed my account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: GA

Complaint narrative:
After looking at my credit report, I noticed errors with my personal information. 
Listed below are the problems with my personal data. 
Reason : Inaccurate information I am writing to update/correct my personal information on file with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: TX

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft. Attached below is all the information I have sent to the CRAs. I also have a lot of addresses on my credit report that I am not aware of. 

Ive just reviewed my credit report and noticed there are several inaccurate items on my report as follows : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation