vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I have been receiving repeated phone calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX, XXXX ( Toll Free ). I couldn't figure out why they were calling me, so I eventually called them back and was able to speak with a human being about XXXX months ago. I was informed that I had an outstanding medical debt from an ambulance ride in Washington DC that occurred in XXXX. I informed them that I did not acknowledge the debt and that the debt was no longer enforceable because it was over XXXX XXXX XXXX and to stop calling me. I requested that they stop calling me and they having continued to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: PA

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. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off : XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX  XXXX {$5000.00} Collection : XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: U.S. BANCORP
State: IL

Complaint narrative:
My credit card with US Bank was suspended because of suspicious charges. Before being notified, I noticed the- charges and attempted to contact bank on XX/XX/21. I could not be connected to fraud specialist at the bank. I sat on hold for XXXX minutes+. I called daily several times a day until XX/XX/21. I waited for 30 minutes+ and was never connected to a person. I went to the physical bank in XXXX XXXX, il and talked to them there. I was told that I had to call fraud prevention to remedy my problem. I tried calling again.and was never connected to a person. This is the XXXX time my credit card has been hacked this bank. I fear that there may larger data breaches happening that put consumers at risk. Also, I am not sure how to try to remedy this situation if there is no way to contact US Bank. Any help would be greatly appreciated! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: AL

Complaint narrative:
I have been sending letters to the Credit Bureaus for months about items on my credit report that's not mine and they have been saying that they aren't receiving the letters. I know they have and when I call they say that the items are being verified, which I know that's not trust.

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 2021-11-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an account that is good-standing with XXXX XXXX ( XXXX ). They are denying me credit for an extended payment plan for a new phone. Experian is the credit agency they check and I do not have a freeze or security hold active. XXXX XXXX XXXX Inquiry : Case ID [ 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 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery bought this debt from XXXX XXXX credit card. I asked for debt validation letter. I received it there was someone else 's name making transactions. I called Portfolio and disputed it. I had asked to be removed from report. I haven't heard from them yet.. During this time I was already in bankruptcy. I filed dispute with XXXX  provided documents yet they still won't remove it. I have XXXX other concerns XXXX XXXX they are trying to collect more than what is owed. I paid them over {$14000.00} when car redeemed total lost. Minus total balance was {$18000.00} = {$4700.00} not {$11000.00}. XXXX XXXX statue of limitations expired pa is XXXX. 2 different open dates must be deleted asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
MY IDENTITY WAS STOLEN SEVERAL YEARS AGO BUT THIS IS THE FIRST TIME I NOTICED ANYTHING ON MY CREDIT REPORT WHEN THE PERSON HAD AN ACCIDENT AND HAD MY ID AND SOCIAL SECURITY CARD WITH HER. THE XXXX XXXX CALLED ME THINKING THEY WERE GETTING IN TOUCH WITH MY FAMILY BUT IT WAS ME. I WAS FLOORED TO KNOW THE PERSON HAD BEEN CAUGHT. I'M STILL DEALING WITH THIS ISSUE FROM A COLLECTION THAT HAS TO DO WITH MY IDENTITY BEING STOLEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, a fraudster hacked into by business checking account ( Truist ) and wired out ( {$8100.00} ) ( {$9800.00} ) and then again ( {$9800.00} ) using a new email address he or she created in my account to authorize the transactions. The bank gave me no notice this was happening and used no reasonable method to authorize the transactions. 

This then happened again onXX/XX/XXXX with amounts of ( {$8100.00}, {$11000.00}, and {$7800.00} ) which made my account balance {$0.00}. Again, no red flags or authorization from my husband and I who manage these accounts. Since my husband and I were locked out of the account- we called the fraud dept and waited on hold for an hour but could not get a hold of anyone. The bank later stated that the phones with the fruad department were down at that date and time. 

We went into the branch because we were locked out of our account on Friday XXXX XXXX and saw that the funds had been stolen. We immediately instructed the bank to flag these transactions as fraud and take the necessary steps to get the money back. 

It's been 15 business days after the funds were stolen and there is no update from the bank. I did all the necessary reporting to the local and federal authorities on the issue and made a claim with the commissioner of banks in North Carolina. I have also sent many emails which yield no response. I have also contacted ( called ) XXXX XXXX from Truist almost every day since I was notified she is supposed to be my point person from Truist on our case and I have never gotten a call back. I will enclose the only formal response I have from the bank- which does not state much. I just received this today. 

Also- I'm repeatedly told from Truist that they ( did not ) and do not have to submit CTRs to XXXX . I believe they are legally responsible to submit a claim. Wire fruad is a federal crime and they may be delaying the FBI 's response by neglecting to give them necessary information regarding this massive theft.

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 2021-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander is attempting to collect an alleged {$16000.00} deficiency balance I am not obligated to pay. I disputed the legal validity of the alleged {$16000.00} deficiency balance, requested verification of the alleged debt, including the name and address of the original creditor. 

They have not provided me with the required notices before disposition of collateral, and explanation of calculation of deficiency as required under the law. 

As per the law I requested that they cease and desist all collection activity including all credit reporting. 

I promptly request deletion of all and any credit reporting to the credit reporting agencies and to write or email once to confirm their compliance with my demand within 14 days. 

They responded within the allotted time, however they failed to provide me with the following documents that I have requested : 1. Verification of the alleged debt ( i.e., name and address of the original creditor and a copy of any signed contract or agreement with the original creditor. 2. Proof that they cease collection and deleted credit reporting of the deficiency. 

They have now sent ( a ) notice of disposition of collateral and ( b ) explanation of deficiency, however I told them I need proof like a Usps tracking # or an affidavit of mailing by the representative who sent it when it was suppose to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
To whom it may concern, I opened a new JetBlue Credit Card with XXXX on XX/XX/XXXX. At the time they had a promotion offering new applicants XXXX XXXX XXXX bonus miles with the payment of their {$99.00} Annual Fee and purchases on the card in the amount of XXXX XXXX dollars within the first XXXX days or so. Both requirements were fulfilled well within the allotted time frame and the bonus miles should have been awarded within six weeks of XX/XX/XXXX ( the date in which all requirements were fulfilled ). As of XX/XX/XXXX the XXXX XXXX XXXX bonus miles have yet to be awarded. 

I attempted to resolve the issue with both XXXX and XXXX on XX/XX/XXXX. At the time, XXXX informed me that XXXX did not transfer over the points and that I was in fact eligible for the bonus mile promotion. When I called XXXX they opened a ticket ( reference ID is : XXXX ) to try to resolve the issue and informed me it could take up to a calendar month to resolve. As of XX/XX/XXXX no resolution has been achieved and no progress ( according to their systems ) has been made since the dispute was opened. As of XX/XX/XXXX XXXX claims that XXXX XXXX in the Rewards Department has been assigned the case but are unable to tell me whether or not the case will be resolved and under what timeframe it will reach resolution. 

I could really use help in obtaining some clarity on the hold-up or at least an update on the issue as it seems for the past month, no progress has been made.

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 2021-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
On XX/XX/2020 I went to XXXX XXXX XXXX in XXXX, NH XXXX. On XX/XX/2020 I put down a deposit on a vehicle with a financing price of {$11000.00}. I returned on XX/XX/2020 to finalize the deal on the vehicle the sales person never explained any changes. I noticed the amount on my loan was higher then expected so I called company that made the loan ( Credit Acceptance ) they did not help. I then read through my contract and found that XXXX XXXX XXXX listed the vehicle at {$17000.00} that was not the price advertised. Also not the price I agreed. They also charged me for a XXXX insurance which I never recieved.

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 2021-11-16 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:
this is my 2nd complaint as the 1st one made on XX/XX/XXXX was closed after 1 email that stated to call I called then left voicemail and they closed stated it was resolved HOW I didnt get the money they stole from me back all they did was email.. EMAIL. 

YOUR COMPLAINT I applied for unemployment in XX/XX/XXXX and my account was hacked and all my money was stolen after MONTHS of calling and after properly id me linking it to the bank of America and walking into a branch to have the employees talk to XXXX as well to confirm who I was this employee actually told me the address of where my card was shipped to, that was on XXXX XXXX I reported that day that everything prior to XXXX XXXX was a fraud on my account this totals XXXX I had to live throughout the pandemic without any income lack of representatives to answer at XXXX and bank of America. XX/XX/XXXX I went to the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX the staff at this XXXX  store told me I had mail and in order to get it I had to sign up for a box, so I did and the box name was under XXXX XXXX and XXXX XXXX and sure enough, there was my card inside his box. I reported this to edd and to bank of America filed numerous fraud reports and still nothing, I am in major debt because of this and need help refunding me my money. an edd rep told me on XX/XX/XXXX, that the issue was already sent to the bank of America to reissue the funds to me and it would take 7-10 days but nothing has been done.

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 2021-11-16 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: CA

Complaint narrative:
They have failed to respond to my dispute letter that I send out on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On Thursday, XX/XX/2021, I attempted to close my bank account with USAA. They wouldn't allow me to close it and told me to call back at a later date. 

While waiting, USAA charged me a {$29.00} overdraft fee even though no money was overdrafted. This fee is on top of many other fees they had charged earlier in the month, the total coming out to nearly {$200.00}. 

Not only is this predatory, I believe their lack of care for resolving this issue comes from the fact that just a few months ago they paid out over {$1000.00} to me but only after having filed a previous complaint that they were overcharging me on insurance by double due to their mistake when setting up my insurance with them to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was placed on my credit report and is damaging my credit worthiness. This is a fraudulent account and should not be on my credit report. This account is a medical bill and should not appear on my credit report according to the FCRA. This account is quest diagnostics and cost {$56.00}. The account appeared on my report XXXX of this year.

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 2021-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Before bankruptcyXXXX amount owed was {$18000.00}. Car was totaled XX/XX/2019 I received offer letter over {$14000.00}. In bankruptcy money was transferred from bankruptcy lawyer to Regional Acceptance which balance down to around {$4700.00} or less. They report over {$11000.00}. They are not allowed to change, add, delete pertinent information from my file to get more money than what is owed. Please delete

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have a XXXX XXXX that was sent to NCA and keeps popping back up on my credit report from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: LA

Complaint narrative:
Dynamic recovery solutions Account # XXXX I received an alert on my credit profile saying I owed XXXX for a doctor bill. 
I never received a bill but on the collection it was said to be submitted XX/XX/2021 the inquiry came around XX/XX/2021 XXXX I also called about the debt and told them I was in a car wreck my lawyer took care of all of it. 
I also asked why I never received a letter about the debt in which the worker said they dont have to send a letter I already knew of the debt. That should b on file because she said everything is recorded for customer assurance purposes. 
I also have medical insurance which I had every since my car wreck, so I know in fact that was a bill for my car wreck. 
After I sent them a letter a week later they responding by offering me a settlement price or to pay it over time. That was the first letter they sent to me. 
XXXX law firm of XXXX Louisiana handled my car accident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
Professional Claims Bureau, LLC ( pcb ) keeps sending collection letters demanding I pay them a debt I do not owe. I have sent them written dispute letters asking them to cease all communications with me, since I do not owe this debt and and completely disputed the validity of the debt in its entirety. I sent my written correspondence via XXXX and XXXX XXXX XXXX several times, but they ignore my correspondence and just keep demanding payment. See attached correspondence ( XXXX, XXXX demand letters and XXXX dispute letters ). It is now harassment via the mail, and I want them to cease all communications with me, except for any legal process that I am fully ready to defend.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation