vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was an authorized user on my husbands Synchrony accounts with Paypal Credit and Paypal Mastercard. He asked to remove me since he has fallen behind, but they refuse, instead trying to ruin both of our credit reports. They kept saying they can not do so despite him telling them on recorded lines in front of me to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
ABILITY RECOVERY SERVICES , LLC reported a collection on XXXX for the amount of {$640.00}. 
Agency Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Agency Phone : XXXX Original Creditor Name : XXXX XXXX XXXX Ability Recovery Services is a third party debt collection agency representing XXXX XXXX XXXX. I never signed a contract with neither of these companies. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company refuses to obey consumer protection laws, which is negatively harming my nonpublic personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Good evening, the entire month of XXXX, Ive made multiple payments to bills and transactions. I pulled out money from my check to cover the funds but checks were being withheld. Purchase I made and went through were process and money was taken out and put back in. I again took out money from my check to cover my car other transactions in the middle of XXXX and my purchases were made and processed. When I checked back I received overdraft fees, insufficient funds and the funds being taken out again after they were being processed. I made a car payment when I received my full check the week after. And when I made my payments after receiving a notification of a deposit into my bank account of XXXX dollars. They withheld my check and my account was brought down to XXXX dollars the following XXXX days. When contacting Wells Fargo their representative reassured me I was not going to fall under any withdrawals nor do I have to worry about insufficient fund notifications. The days following I went into overdraft fees and insufficient funds once again. When contacting them again they told me that no, the representative had miscalculated. I explained that this couldnt have happened because I also calculated the purchases then she began to tried to explain charges that were brought up in the previous conversation as still being processed I explained to them that no those purchases were already in the previous conversation. She also told me I went negative because of a transaction that was already taken out of my account for XXXX today I got a notification that I had a charge for XXXX and the funds were insufficient, i put in money to cover the overdraft fees that I had occurred but still got this notification. I told them Im being charged double my purchase and 30 % more of my purchases because they are constantly over drafting me on purpose and they explained that this wasnt the case. I also told her that XXXX dollars were transferred from my credit card to my bank account to pay for these overdraft fees but the bank still double charges the purchases today the XXXX was charged for insufficient funds purchase was made XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XXXX XXXX I opened an account at Citizens Bank a national bank because they offered high interest rates on their savings account. The money transfered that day and my account was opened. I received an email dated XX/XX/XXXX that my account was opened and active ready to use. They posted in the email that their was {$2000.00} was in my savings account and {$1000.00} was in my checking account ready to use as I had requested. See attached document. A few days after it was deposited, I realized that it was not Citizens Access Bank with the desired interest rates so I told him I wanted to close my account and open my account with the correct bank to receive these rates. I instructed him to send my {$3000.00} back to XXXX XXXX XXXX. He agreed to this in the phone call. What he ended up doing was closing the account before transferring the money. I never received the funds in a check or into my XXXX account. I have spoken with to numerous managers at Citizens and they claimed XXXX should have received the money. When I contacted XXXX and spoke with XXXX the manager she said Citizens never transferred the funds back. Citizens bank has refused to do anything to retrieve my money and is denying I ever opened an account. Refer to the attached document ( email from Citizens when the account was opened ). Can you please assist me in getting my money back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: LA

Complaint narrative:
This company XXXX XXXX Acct XXXX XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: GA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: GA

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I canceled my account in early XXXX because I saw the annual fee had posted and didn't use the card. I received a statement on XX/XX/XXXX with a balance of {$96.00} - the annual fee plus interest. I haven't used the card in months and canceled right after the fee posted. BOA said they would send me a check, but I'm unsure what the amount of the check will be or when I'll even receive it. I also have to spend my own money out of pocket since the statement is due on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
This is going on in a large scale. I was told by the operator over the phone. 
You change credit card numbers to avoid recurring charges from something you keep getting charged that you bought once. Well every time The bank gives me a new Credit card number VISA updates the merchant that you do not want the charges from with the new Visa credit card number issued. 

Because it is a recurring charge VISA updates the merchant. The idea a of getting a new number is to avoid recurring charges of nothing you do not want. VISA SHOULD NOT BE BE GIVING MY NEW ACCOUNT NUMBER PERIOD. 

Also I got stuck with the bill from the bank. THIS practice is Fraud and VISA needs to stop. The new number was for me to update who I want to pay. VISA has taken the liberty to do that for me. That is Stealing. 

This is going on in a large scale. 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: MD

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, I received a call from a Chase representative, from the Chase customer service number, saying that my account had been compromised. They had identifying information about my bank account, information Chase is responsible for protecting. They used that information and the fact that they were on Chases phone number to convince me that I needed to initiate a wire transfer reversal to stop funds from leaving my account. I took these steps, under the advisement of the Chase representative, to protect {$9200.00}. Except it was someone who had spoofed Chases phone number and was actually wiring the money to themselves. I immediately went into a Chase branch in XXXX, Texas, and asked them to stop the transfer, but it was too late. They put in a swift recall request with XXXX XXXX to mark the transfer as fraud, but I learned on XX/XX/2023 that it was unsuccessful and the money had left the account it was wired to. Neither Chase nor XXXX XXXX have offered any solutions other than asking the person who took the money - a scammer operating under Chases name and phone number, with my personal information at hand - to give it back to me. I would like Chase to take responsibility for the lack of care they have taken with their own phone number, as well as my personal information, and take additional steps to restore my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, how much you purchased this debt for and any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America is not applying payments on promotional offers according to 12 CFR Part 1026 properly. Section 1026.53 Allocation of Payments, ( b ) Special Rules, ( i ) Last 2 Billing Cycles " ... except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject first to the deferred interest or similar program ... '' and ( ii ) in the manner requested by the consumer. Our dozen other major credit card providers apply payments correctly. As BofA shareholders this is concerning due to the implied exposer to potential liability for the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: TX

Complaint narrative:
I am writing to dispute the account XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? You obviously are reporting the wrong balance and I have sent my original documentation to proof to you that the balance is incorrect. Under the laws of the FCRA I know that I have reason to sue you for many violations. I enclose copies of my requests asking to validate or remove this account. The letter is dated, and time stamped so there is no way to lie during court. I will be filing a statement of claim if this account is not removed. Stop reporting this information on my credit report for failure to legally verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: Global Lending Services LLC
State: FL

Complaint narrative:
Hello this is regarding my vehicle with Global Lending acct # XXXX my vehicle was totaled loss in a natural diaster the vehicle was paid off through vehicle insurance and Gap. however, this company reported my vehicle 30 days late XXXX so my request is two fold, first i ask that the company remove the late payment and also update the records to reflect that this vehicle has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: MD

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company response to consumer: Closed with non-monetary relief