vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Certegy Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/2024 I went to XXXX in XXXX TX off XXXX XXXX. I brought in a State Check ( Government Check ) That was made payable to me from the State of Texas in the amount of {$2600.00}. The clerk asked for my Drivers License, and My Social Security Number. Which I typed in. After he ran my social and scanned my license he put the check in and the check was immediately declined to cash. This is a guaranteed check there is a number on the back of the check which you can call the State Comptrollers office and verify the funds of the check. However he printed a receipt and told me it was Certegy who BLOCKED Me from cashing the check he told me to call Certegy to find out why they won't let me cash the check. In the past and current I am a victim of Identity Fraud. I have never written any bad checks, nor have I had any cashed checks past or present that have been returned after cashing. I have not written any hot checks. My check book previously was stolen with my bank and I reported those checks to XXXX As fraud. XXXX XXXX went ahead and took care of those checks. They are marked as Forgery. This is not the first time I have tried cashing a check Certegy has blocked me from cashing a check before with XXXX. I definitely feel like this is not fair treatment, Just because I am a victim of Identity Fraud, Does not mean I have committed any type of crime. Certegy Previously blocked a check last year I tried cashing at XXXX again for the same no reason provided. To call Certegy and when I call they can't give me any information. I am requesting my consumer report from this agency as a credit reporting agency. I also want any checks that were returned that WERE STOLEN AND WRITTEN Fraudulently to be closed as IDENTITY FRAUD, Forgery. I also want to know what Certegy has flagged on my SOCIAL And Drivers license, as nothing they could have possibly reported would be collectable. I have never received any notices from this company and I should be allowed to cash my own checks. This is not a personal check this is a GOVERNMENT Check. Written from the State Comptroller. This is a valid check, and Obviously Certegy has me flagged in their system to auto decline. I want this inaccurate flag removed from my information immediately I also want an apology for causing me financial loss by declining my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions bank surprises customers with a " transfer '' fee to code a Traditional or Roth IRA CD transfer [ check ] to another financial institution. They don't charge for a IRA CD withdrawal ( rollover ) but they do for a " transfer '' even though both processes are basically identical in effort. 

Their branches don't know about this fee OR they hold this knowledge back and spring it on you when you come in to do the " transfer ''. 

They try to take the " fee '' out of the IRA funds, which in Georgia, is illegal.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reached out to Trans Union to have several inquiries removed that I had not Initiated. 
I sent a letter as they asked and they still have not removed them from my report its been more then XXXX months.

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 2024-03-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: EMCC Holdings, LLC
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have requested that Experian/Experian Information Solutions and XXXX XXXX ( the data furnishers for Experian ) verify that the XXXX  XXXX Bankruptcy ( case number XXXX ) information was accurate. Experian stated that they have verified that the information was accurate. However XXXX XXXX ( the data furnishers for Experian ) states that they were unable to verify the accuracy of the XXXX  XXXX Bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and therefore deleted the ( XXXX  XXXX Bankruptcy case number XXXX ) from their ( XXXX ) Identification Records SEE ATTACHED LETTER FROM XXXX from XXXX stating that their were unable to verify the accuracy of the XXXX  XXXX Bankruptcy ( case number XXXX ) and thus deleted it from their ( XXXX ) Identification Records.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All ran a hard inquiry on my trade line with out my prior authorization, and or understanding, they had no written consent or signature of mine. I have my credit monitored and protect it, and when anyone tries to run my credit, I have to approve it to which I did not. None of these lenders have an account attached to my credit therefore, under the Pennsylvania fair credit reporting I would like them removed Also, Ive reached out to all three of these lenders in XX/XX/2023 They suggested I filed dispute. 

Ive tried to dispute with XXXX XXXX now Im taking it a step further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I started working on my credit in XXXX. Within a XXXX  and a XXXX  my score went up from XXXX to XXXX and recently I was in the XXXX. I had nothing in XXXX, a few XXXX  payments in the past and a XXXX  that fell off last XXXX. Recently I bought a XXXX so I knew I would take a hit but Ive been having trouble with Transunion. At XXXX  I thought it was because things were being reported XXXX  but now I see after doing my research that consumers have complained about their practices. I get alerts from XXXX  XXXX  and XXXX  XXXX  that tell me when my points are deducted and there is literally no change or reason why. My XXXX  reports a XXXX score and my XXXX  shows XXXX. Transuion is deducting about XXXX every other XXXX. Since beginning of XXXX  I have made all my payments on time and I have about XXXX XXXX  cards, XXXX XXXX  loan that is about XXXX currently in good standing waiting for it to be forgiven. XXXX XXXX  loan and XXXX  support, everything is paid on time. I do not pay XXXX  XXXX  payments but I pay in XXXX  every XXXX, nothing in XXXX. My transuion is showing XXXX, today XXXX points were deducted while the others are going up and my utilization is always under XXXX  XXXX. Its really hard to contact them and when I dispute things nothing is ever resolved.

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 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to request validation of a debt that your agency is attempting to collect from me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ), 15 U.S.C. 1692g, I am entitled to receive verification of the debt you claim I owe.

Please provide the following information regarding the alleged debt : 1. The original creditor 's name and contact information.

2. The amount of the debt owed.

3. The date the debt was incurred or the date of the last payment.

4. Purchase agreement showing that you own the debt.

I also request that you provide proof of your authority to collect this debt and that you cease all collection activities until the debt has been validated.

Please note that failure to provide validation of the debt within XXXX  days of receiving this letter will result in my presumption that the debt is not valid, and I will take appropriate legal action to protect my rights under the FDCPA.

Thank you for your prompt attention to this matter. Please send all correspondence regarding this debt to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has violated my rights as a consumer when Equifax 's decided to reinsert an account that was deleted off of my consumer report that being a XXXX BANK XXXX ACCT. NO XXXX Equifax XXXX to notify me within the time frame that is required by law. 
FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. In light of my consumer rights being violated I request that if Equifax can not provide me with a reinsertion letter stating that this item is being reinserted ( as well as the other notification that are required by law ) in addition to a certified return receipt within the time frame allotted by law then I demand that this item be deleted immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: VA

Complaint narrative:
This debt collector has not provided me with proper validation of this debt. Please remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
It is now XXXX. I have not once received a monthly billing statement from MOHELA for the save plan they finally processed. I have asked repeatedly both through billing and through complaints. It has been XXXX months without a billing statement. 
MOHELA policy is to generate and send bills at least XXXX  days before they are due. They are not following their own policies. 
Sending a billing statement for a monthly bill should be automatically generated and sent at this point. They have not sent XXXX since they finally processed my SAVE. 
I have checked once again and my notices are to be sent via USPS. MOHELA will not send a billing statement and I have the right to be sent accurate and timely documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Card didn't work at all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have disputed the information being reported pursuant to the Privacy Act and these XXXX companies are violating my rights. This is my last attempt to resolve before I seek litigations. Your company is misusing my information for unjust enrichment and I will seek actual and punitive damages if these items are not removed from my permanent credit file immediately. Bank of America, XXXX XXXX XXXX XXXX XXXX AND their affiliates are in violation of the privacy act of 1977 in addition to the FDCP, this is the final opportunity to cure. Proper validation of the alleged debt requires all IRS documents filed bearing my Mark/Name from a certified third party accountant. If you do not provide documentary evidence for the alleged debt/sin you are required to block and remove the account.

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 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERIS BANCORP
State: FL

Complaint narrative:
I had opened my Ameris checking account back on XX/XX/XXXXXXXX  under the {$300.00} checking account bonus. The requirements for the bonus were a minimum of {$1500.00} in direct deposit within XXXX  days and signing up for online statements. I had fulfilled both requirements with a direct deposit from my job on XX/XX/XXXXXXXX  of {$2100.00} and signed up for estatements on XX/XX/XXXX. The terms and conditions state the bonus would post within XXXX  days of the XXXX  day requirement period. That would be by XX/XX/XXXX the latest. The terms and conditions stated Customers who have paid an Ameris Bank promotional payment in the past XXXX  months are not eligible. I have not received any promotional payments from Ameris within the past XXXX  months. On XX/XX/XXXX I called and spoke to representatives that stated that I had fulfilled the requirements and that a supervisor would call me to go over the details about the bonus posting. The supervisor called and stated that I was not eligible for the bonus even though I meet the requirements of the terms and conditions for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Dear Goldman Sachs Bank, I hope this message finds you well. I am writing to bring to your attention a matter of utmost importance regarding a dispute filed by one of your esteemed account holders, XXXX XXXX XXXX. 

We, at XXXX XXXX XXXX, have provided services to XXXX XXXX in accordance with her specified requirements. The transaction in question occurred on XX/XX/XXXX {$250.00}, and XX/XX/XXXX {$100.00}, involving a XXXX credit card with the number XXXX, issued by Goldman Sachs, and the associated amount of {$350.00} ( {$100.00} and {$250.00} on separate occasions ). 

However, to our surprise, XXXX XXXX has initiated a dispute, claiming that the product received was not acceptable. We want to assert firmly that the services rendered were in complete compliance with the agreed-upon terms and specifications outlined by XXXX XXXX. 

Our customer service representative has been in constant communication with XXXX XXXX, attempting to address her concerns and provide any necessary clarification. Despite our team 's continuous efforts, we have not received any response from XXXX XXXX, making it challenging to resolve the matter amicably. 

We are confident that this dispute is unfounded and falls under the category of false claims. As per the laws governing financial transactions in the United States, we request your intervention in thoroughly reviewing the case and ensuring a fair and just resolution. 

Details of the transaction : Cardholder : XXXX XXXX Card Number : XXXX Card Type : XXXX credit card Issuer : Goldman Sachs XXXX : {$100.00} and {$250.00} We kindly urge Goldman Sachs to investigate this matter promptly and take appropriate action to close the dispute. We request the reversal of the funds deducted from our account as a result of this dispute, as the claims made by XXXX XXXX are unsubstantiated. 

For your reference, please find the additional transaction details below : Fingerprint : XXXX ID : XXXX Owner Email : XXXX We appreciate your prompt attention to this matter and trust that, in adherence to the legal framework governing financial transactions in the United States, the dispute will be resolved in a fair and objective manner. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting 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: CBC Companies, Inc.
State: MN

Complaint narrative:
I have not received my annual credit report from Innovis. I want Innovis to mail me a complete copy of my annual Innovis XXXX Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Company is trying to collect a debt from me that does not belong to me. I have never lived, done business or work with the company they are trying to collect for. Any apartments that the alleged I applied to and were denied XXXX law requires all fees to be refunded. Also any and all aledged debt is included with my bankruptcy. I have contacted my attorney to file lawsuit and to have court apply sanctions against geniuses. I will also have XXXX XXXX XXXX XXXX action lawsuit as well for all the laws geniuses is violating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXXXXXX XXXX Capital one auto finance All ran a hard inquiry on my trade line with out my prior authorization, and or understanding, they had no written consent or signature of mine. I have my credit monitored and protect it, and when anyone tries to run my credit, I have to approve it to which I did not. None of these lenders have an account attached to my credit therefore, under the Pennsylvania XXXX credit reporting I would like them removed Also, Ive reached out to all three of these lenders in XX/XX/year> They suggested I filed dispute. 

Ive tried to dispute with XXXX XXXX now Im taking it a step further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting an accurate account on my credit file as i am a victim of identity theft this is ruining my life.

Company response to consumer: Closed with non-monetary relief