vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I was told this was a rewards card when signing up and not a credit card. When I figured out what it was, I asked the cashier to stop and cancel but it was too far into the process. The card was never used and closed immediately. I just want this deleted from my credit report as this was a communication issue from the store.

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 2021-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I reached out to Account Resolution Services a division of HRRG, LLC in XX/XX/2021 requesting that they validate a medical debt they had placed on my credit report. I received a correspondence from them dated XX/XX/2021, which did not provide any proof of validation. I then sent them a certified letter which was signed for on XX/XX/2021, again asking for them to validate the debt. They sent a correspondence identical to the first one on XX/XX/2021, which did not provide the information that I requested as proof of validation regarding the debt belonging to me. On, XX/XX/2021, two certified letters were sent to them, one advising them again to validate the debt, as well as a Failure to Validate the debt correspondence. I received a third correspondence which was identical to the first two where they still failed to validate the 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 explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Because the credit bureaus DO NOT update real time they continue to post incorrect and higher balances impacting our credit scores and denying available credit. [ DTI ] Disputes have been made consistently but it is impossible for them to correct because lenders do not report but only negatives Real Time! This creates a financial hostage situation you the CFPB evidently do nothing about nor does Congress. Right now today 5 creditors balances incorrect CO $ XXXXlower AC XXXX lower LC- XXXX lower, OM- XXXX o, OL- XXXX lower

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 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
While reviewing my credit report in XX/XX/XXXX, I discovered an open collections account for {$180.00} from TSI/940. After finding contact information, I called TSI and requested documentation for this debt, and expressed that I had never received anything to support this, thus believed this to be inaccurate. The collector insisted several times that I make a payment with my credit card. I was told that even if I paid the debt, I would not receive a letter. Concerned that this was a scam, I denied making any payment until I received documentation to show this was a valid/accurate debt. 

After recently applying for a mortgage with my husband, I received notification from the lender of a Derogatory Account. Obviously, this was a severe negative impact to our home buying process. I learned this was reported XX/XX/XXXX - nearly 9 months after my initial request for documentation. Since I did not receive notice of this being reported to the consumer reporting agencies, I waited 30 days before calling TSI again ( ref. FCRA ) in case something would come in the mail. I received nothing. 
On XX/XX/XXXX I called Transworld Systems , Inc. and spoke with XXXX XXXX who provided me with the following information : {$180.00} is from an invoice dated XX/XX/XXXX Reported to TSI agency on XX/XX/XXXX I requested that she provide me with the dates for any mail correspondence that XXXX sent me. She provided only two dates : XX/XX/XXXX : Letter containing debt information XX/XX/XXXX : Letter offering payment arrangement, asking " how can you resolve this bill? '' Since I never received either of the two letters she referenced, I asked that she confirm the address she has on file. She had the correct address.

She also advised that the collection was reported to all 3 agencies 3 times and provided the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : XXXX XXXX XXXX This has had a major impact to my credit score.

To date, I have not received anything in the mail allowing me to validate this debt. However, they continue to call me several times a day, from various numbers. Many of these calls come through my phone and say " Spam Risk ''. Several times I have answered and been hung up on. I do not have any voicemails from this company. When I reference the numbers I receive calls from, they do not match those which I find when doing a search online for TSI. 

I believe all of the above to be unfair and unethical collections practices - such as failure to provide notification and/or validation of debt, and failure to provide notice of reporting to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates, LLC refuses to remove a paid debt that was paid thru a Federal Bankruptcy Judge 's Order. I have notified them 3 times over the last year but they refuse to follow a judge 's order. A Civil Complaint by Portfolio Recovery Associates, LLC was dropped in the state I live in after I sent them a copy of the judge 's order but they still refuse to take it off my credit report over a year later. Portfolio Recovery Associates, LLC is putting intentional harm against me via reporting the Collections on my Credit Report. Portfolio Recovery Associates, LLC does not care about my rights and they should be reprimanded via their License! 

The Attorney Firm XXXX XXXX XXXX based out of XXXX Texas is also responsible for the harmful act of negligence. They have been contacted many times but refuse to follow a Federal Court Judge 's Order. They should be reprimanded by the Texas Bar Association and have a complaint notated on the Law License. They are trying to get paid twice for the same account which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Please remove the accounts I have listed here. These companies have had more than 90 days, which I have given them more than enough time and 3 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Some of these companies send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had a Visa credit card ( cash rewards ) with Bank of America, since XXXX. In XX/XX/XXXX, I moved back to XXXX, and stopped using the card. 

I also had a checking account with Bank of America. 

I have complaints about both accounts. 

My complaint about the credit card account : In XXXX, I found there were about 6 or 7 fraudulent charges from XXXX on my credit card. I called Bank of America, reported this, and ask them to reverse the fraudulent charges. I asked for their mailing address, so that I could put my requests in writing, and was told that calling over the phone was the only way to solve the problems. 

Because I lived in XXXX, I had to call them in the middle of the night. When I did so, I had listen to their music for 35 to 40 minutes each time, on an international call. I called them four or five times over a few weeks, and finally Bank of America told me they had reversed all the fraudulent charges. I subsequently found that they had only reversed one of the charges. I then telephoned them again ( which again required several calls ), and told them to reverse the rest of the fraudulent charges. I also told them to close my account immediately. Unfortunately, these telephone calls did not produce the desired results. 

After a few months of calling Bank of America, I found that I could not log into my account anymore. Assuming they did their job properly, I did not owe them any money, so I gave up calling them ( by this stage they had used a lot of my time and sleep ). 

In XXXX of this year, I returned to the USA, and discovered that Bank of America claims that I owe them {$72.00}. I then telephoned Bank of America several times ( now a local call ), but despite my best efforts : they could not explain the reasons for closing my checking account without refunding my balance [ see checking account complaint below ] ; they would not reverse the fraudulent charges ; they could not provide any evidence to support their actions ; they refused to provide a person or address to which I could direct written correspondence about the problems. 

I am also concerned that Bank of America has wrongly damaged my credit reputation. 

My complaint about the checking account : I also had a checking account with Bank of America, since XXXX. When I had the problem with my credit card, my checking account had a balance of a few hundred dollars. During my phone conversations with Bank of America, I asked them to close my checking account, and send me a check for the balance. Bank of America closed my account, but did not send the check.

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 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I used XXXX XXXX XXXX  for internet and cable service. I called to cancel my service and they sold me on a lower level of service at a lower cost which I agreed to. I moved to a new house about 10 months later and they charged me {$200.00} after I cancelled. I called them to dispute the charge and they told me that it was due to equipment that was not returned and I told them I had proof that I returned the requested equipment and they told me I was all settled. A few weeks later I start to get calls and letters from Sunrise Credit Services about the charge and I told them I already took care of it with XXXX XXXX XXXX, but they persisted. When I asked what the charge was for they said it was a cancellation fee for my service which XXXX XXXX XXXX never disclosed to me when I changed my service over the phone and never disclosed to me after the phone call. I never agreed to a service that included a cancellation fee. Sunrise Credit Services has also reported this to a credit reporting agency which has impacted my credit score and reflects as an unpaid debt on my report. I want these charges removed, debt cancelled, and credit reporting corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In approximately 2014, Wells Fargo appears to have fraudulently and criminally opened 5 accounts in my name. I filed a complaint regarding these accounts with Wells Fargo and also CFPB when the Agency was first established. 

I spent an enormous amount of time attempting to fix Wells Fargo mistake and stop the identity theft and protect my Family. 

I am now spending even more time on this issue and it appears Wells Fargo is attempting to force me into Mediation. WF refuses to link my actual address to my complaint. They continue to use an address where I have NEVER lived! I have called numerous times and have written to them to fix these additional Wells Fargo 's mistakes. They refuse. 

At one point they said I accepted Mediation. I have not accepted Mediation and asked them to send me a copy of the acceptance form, which they refuse to do. Depending on the Wells Fargo 's Financial recompense offer to me, I may accept. However I am getting fatigued with them hassling me and it is affecting my health. 

I have many recordings from the conversations above. I am shocked at Wells Fargo 's incompetence when dealing with my Case Number XXXX. 

Thank you CFPB for helping all the folks deal with these banks, etc. 

V/R, 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 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX refuses to remove a paid debt that was paid thru a Federal Bankruptcy Judge 's Order. I have notified them 3 times over the last year but they refuse to follow a judge 's order. A Civil Complaint by XXXX XXXX XXXX, XXXX was dropped in the state I live in after I sent them a copy of the judge 's order but they still refuse to take it off my credit report over a year later. XXXX XXXX XXXX, XXXX is putting intentional harm against me via reporting the Collections on my Credit Report. XXXX XXXX XXXX, XXXX does not care about my rights and they should be reprimanded via their License! 

The Attorney Firm XXXX XXXX XXXX based out of XXXX Texas is also responsible for the harmful act of negligence. They have been contacted many times but refuse to follow a Federal Court Judge 's Order. They should be reprimanded by the Texas Bar Association and have a complaint notated on the Law License. They are trying to get paid twice for the same account which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I applied for an Apple Card via XXXX wallet on XX/XX/21. I was given a {$6000.00} limit at that time. I decided not to approve it because I wasnt ready to make my purchase and didnt want to open a card needlessly. On XX/XX/21 I decided I would make the purchase and I applied again, this time via the XXXX site during the purchase. I didnt notice until it was too late, but they lowered my credit limit by {$3200.00}! There is no good reason why, either.. other than that I was making a purchase and they could see the total purchase amount. My salary and credit score did not changed in two days, why did they lower my limit so much? I tried calling and texting and explained the situation, asking that they raise it to the original offer of XXXX Their solution was to put in a credit line increase. Of course, I was denied saying my account was too new. However, the problem is that they should have given me a higher limit to begin with! Why do they lower it when making a purchase? This is super shady and I would like them to make good by raising my credit limit to the original proposal of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Balance is incorrect on vehicle loan XXXX XXXX XXXX XXXX it should reflect a balamce of {$10.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Balance is incorrect on vehicle loan XXXX XXXX XXXX XXXX it should reflect a balamce of {$10.00}, 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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Balance is incorrect on vehicle loan XXXX XXXX XXXX XXXX it should reflect a balamce of {$10.00}, 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 2021-08-12 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2021-08-12 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: NY

Complaint narrative:
I am filling this complaint case to make sure that Experian will take the necessary action regarding my concern. I have been a victim of XXXX Bank Fraud with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have attached the federal documents to review. For your reference regarding my claim. Attached is the article from the Department of Justice article regarding the crime that has been committed. 
Below are the accounts that they opened and are still affecting my credit score. Sadly, all the accounts that they opened ended up as Derogatory, Sold to Collection companies, and Paid but with multiple late payments. I need to make sure that the credit bureaus will review my account and be on top of the investigation. I already disputed this concern with the credit bureaus and still not seeing any results. The people involved in this crime pleaded guilty of their roles in the XXXX XXXX  bank fraud conspiracy and are awaiting sentencing. I know that this situation should be handled by experts so it would be easy for these accounts to be removed from my credit report. I have been under tremendous stress because of this and I need this resolved as soon as possible. I am writing this letter with the highest urgency to be resolved. These accounts can not be in my credit file, these are the result of Financial Fraud therefore I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 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: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
My lender reported negative information during a forbearance. We went through bankruptcy while on forbearance, however they keep reporting red flags and discharged through the bankruptcy court. But we still have the loan and we have been on forbearance since XX/XX/2020. Filed bankruptcy in XXXX of 2020, discharged in XXXX of 2020. The lender keeps saying it was written off. They didnt let us submit a reaffirmation because they never sent in the proper paper to our lawyer. We had to get discharged with out the lender. Now we have been in forbearance up until now. Can they report negative information on my credit report?

Company response to consumer: Closed with explanation