vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out to credit bureaus to remove inaccurate information from my credit file, and it was not done with in a 30-day time frame

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 2022-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have disputed a fraudulent transaction with Bank of America. I am asking the bank to provide me with the documentation the merchant provided to the bank to reverse the charge and put the fraudulent transaction back on my credit card. 

The bank is not providing me with this information. XXXX did give me a description of the documentation and said the vendor ( XXXX XXXX ) provide BofA  example of a transaction but not anything related to my specific fraudulent transaction. XXXX thinks there was no evidence of my transaction and would consider this charge fraud.

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 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This transaction is related to REVERSAL OF CREDIT XXXX FROM XXXX XXXX ON XX/XX/21 REF # XXXX. 

Based on the information, this transaction is valid and is a exchange of cash. I've provided the XXXX payment confirmation, certified bank statement, police report, etc to indicate the nature of the transaction. 

Also I've called XXXX before the transfer and agent told me the transaction can not be revoked or cancelled. As such, I accepted the XXXX payment based on the information provided by the bank. I've attached a copy of the voicemail.

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 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Originally I contacted XXXX from AWA Collections phone number ( XXXX ) XXXX on XX/XX/2022 regarding a debt that although I did not agree I owed, It was my word against the company basically. I just wanted it off my report and was willing to pay it if I had to. The issue is that I read several complaints about them taking clients money, but never reporting the payoff to the agencies, so I asked for our agreement in writing. He did not want to provide that. Basically told me I have to just trust them.. 

The other issue arises when I checked my credit report today. They have already sent me a letter stating the debt is {$270.00}, but on XXXX is showing as {$280.00}, and XXXX shows {$280.00}. A couple of days ago I received an alert from XXXX. What AWA has been doing is adding {$1.00} per month to keep increasing it. I was never notified of any of this, and never received a court ordering stating this would happen. They are clearly violating the FDCPA Section 808 ( 1 ) by changing the balance. I am attaching the letter I received from AWA when I asked them to validate.. that shows the amount of {$270.00} and the screenshots from both agencies reflecting the discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was not notified of this debt. I did not receive any information on this debt. I requested information over 30days and have not received any. I do not believe I am responsible for this debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I tried to access my account so I could pay off my credit card balance. 

I was not allowed to login to the account. 

The website allows " guest login '' for the exclusive purpose of JUST PAYING the account balance. It won't allow me to do that so I am effectively blocked from paying my account which I am eager to pay so that my credit history will not be damaged. 

If Syncrony Bank does not want me as a customer that is perfectly fine, but at least they should let me pay my outstanding 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 2022-02-17 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 notified XXXX in writing that I DO NOT CONSENT TO E-OSCAR or any automated investigations. I making that clear to you CFPB and XXXX. If I need to report this matter to the FTC I will with no hesitations. Yes, I XXXX XXXX XXXX XXXX XXXX am filing this complaint for myself. I know that you all try to stall process thinking a consumer has another company submitting for them, but I have enough sense to file a complaint for myself. 
In XX/XX/2022 I filed a dispute with XXXX regarding late payments being inaccurate on my credit report with XXXX XXXX. I have continuously tried to correct this issue with XXXX and have not been successful. Today XX/XX/2022 I have submitted a dispute online and have uploaded my documents for proof of my payment history that I have received from a member of management from XXXX XXXX in person. When calling in to XXXX today XX/XX/2022 I spoke with a U.S. supervisor regarding XXXX XXXX account as well and she said that she didn't see any lates, well if she doesn't see any lates then why are they reporting them on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: NE

Complaint narrative:
Fraud reporting on my personal credit profile from Identity Theft My personal information was used to open accounts on my credit profile.

these accounts have had a very negative action on my credit profile as well and i have disputed with the reporting credit bureaus with no change to my profile because there is never an investigation into my claims even when i presented inaccurate and unverified information to the bureaus. this is my third attempt to have them remove the invalid accounts from my personal credit profile and if they fail i will seek legal actions against the XXXX reporting bureaus. TransUnion, XXXX, XXXX for reporting false information on my credit profile. A report was also filed with the FTC and Local Police

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 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Recently ( XX/XX/XXXX ) I received a standard letter from HSBC regarding my credit card account - telling me that after careful consideration they were lowering my limit based on several factors listed. 

Amounts on revolving credit too high. 
Proportion of balances to credit limits too high. 
Length of time installment loans have been established. 

I do use my credit cards, I support the spending economy. I believe All of my cards are over XXXX XXXX XXXX some close to XXXX XXXX XXXX. I HAVE NEVER had one single late payment, most of the time they are paid well in advance of the due dates, always more than the amount due. 

I realize that they have the right to do these reviews, my problem is that they are based on flawed algorithms, mostly with little to NO human review. When they arbitrarily reduce the limit, it artificially increases the debt to credit ratio on that account, essentially causing an even more severe impact to lowering my credit score.This then causes an avalanche of other credit companies doing the same thing. It causes the users score to drop dramatically, costing more to obtain credit ( higher interest rates ), or leads to a complete denial of credit. 

As you are aware this can take years to reverse and can really have a very desperate impact, particularly on vulnerable populations. It can cause years of unfair impact to any borrowers and sometimes eventual financial collapse. This practice is wrong and should be halted immediately. 

It took me almost XXXX hours to speak to a customer service rep, was transferred XXXX  times and eventually disconnected. Their customer support app was as bad if not worse. The agents solution was for me to apply for a credit increase, this seemed like an attempt to make another hard inquiry on my report as well as possibly raise the interest rate on the card. 

Collectively these practices seem very much like prohibited XXXX banking practices as defined by the XXXX XXXX XXXX XXXX  XXXX  Consumer Protection Act of XXXX. This is the XXXX occasion for this to happen with my HSBC account. I have asked them to freeze the account, I will pay the balance and will no longer be one of their customers. BUT that will not stop the impact this will have on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For over a year I have not been able to access Equifax 's website to freeze or unfreeze my credit report. Their website is not functioning correctly and I can not get in touch with an in-person representative to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Specialized Loan Servicing ( SLS ) withdrew an extra XXXX $ from my bank account over XXXX and XXXX. see below. I asked them multiple times for this extra XXXX $ withdrawn either returned to me immediately or applied against my payment due on XX/XX/2022 of XXXX. They have refused multiple times to do so. 

Account Number Transaction Date Transaction Amount Transaction Type Transaction Description XXXX XXXX, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX XXXX, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Tuesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay

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 2022-02-17 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: MI

Complaint narrative:
I contacted Transunion and the debt collection agency regarding an account on my credit report. I asked Transunion to verify the debt and also for the debt collector to validate and send me. According to FCRA/Law to validate debt must show instrument/contract bearing my signature. However i was given a statement which doesnt prove account to be mine. Also XXXX seems to be violated listing what was done at the hospital. No XXXX release was sent when statment was sent. I want the account deleted and remedy to be provided. Im not interested in another investigation

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 2022-02-17 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: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had overdraft protection in place, had the funds in my account, but was still charged a return check fee for a valid charge that I could afford.

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 2022-02-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
I included a student loan in a Bankruptcy that I needed to file back in like XXXX and it passed through the Bankruptcy court. 20 some years later XXXX XXXX XXXX said that because I consolidated all my debt that that portion the student loan did not pass through. I have tried to talk with these people through the years { XXXX XXXX XXXX XXXX to try and come to some kind of resolution to this and they have been totally unwilling to work with me at all. The amount of the loan was XXXX dollars taken out to attend a XXXX  college back in XXXX. The bankruptcy was filed before they { student loans } could not be included in a bankruptcy. It was in I am thinking XXXX when they threatened to start garnishing my wages unless I started making payments. The amount of the loan with interest is now like XXXX dollars. I have learned through the media that XXXX XXXX XXXX has fraudulently charge loan holders of past loans and am hoping that you can help me to resolve this issue with this company, Thank you for your time in looking into this and hopefully giving me some kind of guidence in the steps I need to take next. Thank ou

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
XXXX XXXX was my XXXX she got the insurance money and she is a scam XXXX she never gave me any results from any test she cares about money not people I might look into a lawyer to make sure she doesn't scam anyone else. Thank u XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
This is in regard to account number - XXXX, Original Creditor Name : XXXX XXXX XXXX. 

On XX/XX/2015, I was transported to the emergency room by XXXX XXXX XXXX. I provided my insurance information during transport. XXXX XXXX XXXX did not properly bill my insurance carrier for my transport. 

I called my insurance carrier ( XXXX ) to confirm my claim status with XXXX XXXX XXXX and was advised that no claim was filed on my behalf. I then contacted the XXXX XXXX XXXX directly and spoke to a representative to advise that a claim was submitted inaccurately or not at all, which caused a billing error/issue. I informed the representative with XXXX XXXX XXXX, after speaking with my insurance carrier ( XXXX ), to re-submit the medical claim, at which point the representative refused to resubmit claim stating that the timely filing period has expired, and I am now the responsible party of the alleged XXXX XXXX  bill. I believe XXXX XXXX XXXX balance billed me, which is illegal in the state of GA and then sold the account to Creditors Bureau Associates ( Collection Agency ). 

Creditors Bureau Association failed to provide me a notice of debt, prior to inserting this alleged account onto my credit report. I was not provided the opportunity to request validation of this alleged debt. I have disputed this alleged account on several different occasions with all major credit reporting agencies, as well as the collection agency, and all parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
Covington Credit is reporting a debt on my credit report and I have requested several times they supply me with verification and validation of debt per my right under the FDPCA section 809 a and b. They refuse to provide but continue to report this debt on my credit. I am in the process of buying a home and if I lose this house I will hire an attorney and see damages actual and statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX and I need some help, please. 

On XX/XX/XXXX my GAP rebate from XXXX was added as a {$660.00} payment to my Hyundai Finance Account for a XXXX Hyundai XXXX XXXX. It was not deducted from loan balance. Beginning in late XXXX, more than several calls were made to Hyundai customer service. Each time I was told it was taken care of and depending on who was answering the call, I was told to wait from 3 to 7 business days for the payment to be applied to the principal. 

Tonight XX/XX/XXXX, just about two months expo facto, I was told they did not credit my account because I was delinquent. Indeed, my payment history shows I have paid extra on more than several occasions and have never been delinquent. 

In the short time I've had this car there have been 2 recalls and one very expensive breakdown on the other side of the State with only cost of repairs being covered under warranty. The Hyundai dealer wouldn't even get me a car to drive to the other side of State so I could go to work.

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 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Kohls/Capital One is reporting a debt on my credit report and I have requested several times they supply me with verification and validation of debt per my right under the FDPCA section 809 a and b. They refuse to provide but continue to report this debt on my credit. I am in the process of buying a home and if I lose this house I will hire and attorney and see damages actual and statutory damages. I have no problem sharing my story with the media as well to let them know exactly how Capital One treats consumers. I am giving you the opportunity to correct this first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion removed my XXXX account from my credit report so now my credit score is nonexistent. The account is not even reported as closed which would have given me a lower credit score but still a credit score that exists. The account has been completely removed from my credit report. I called TransUnion. They said to call XXXX to check the information on my XXXX account and report the account to TransUnion. Then, TransUnion will update my credit report. I called XXXX. They have the correct information on my XXXX account, so it does not make sense why TransUnion is not reporting the account. XXXX says they report daily and will report again tomorrow. Next, I try to get my TransUnion credit report to verify that my XXXX account has been readded. I am unable to log into my TransUnion online account so I can not view my credit report. Next, I try https : XXXX, but that also fails. Now they will just respond to this complaint with a generic copy and paste response telling me to contact TransUnion by phone to resolve 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 non-monetary relief