vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
XXXX XXXX XXXX  I received a bill from XXXX XXXX XXXX XX/XX/2021 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I requested that they allow me to validate the alleged debt. I am not aware that there is a debt from first post collections and I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
While we were out of town at a wedding, we had an issue with our HVAC. The condenser in the attic flooded the office and guest bathroom and hallway. 

Luckily, we were insured by XXXX  XXXX  XXXX  XXXX  XXXX  # XXXX. There are mediation specialist told us there was at least {$10000.00} worth of damage, unfortunately after our {$2000.00} deductible, we were issued a check for {$1600.00} ( after over a month, with ceilings ripped out and insulation blowing around ).

Honestly, we were just thrilled to get anything so we could afford to make the house habitable again. I belong to XXXX  XXXX  XXXX XXXX, and they somehow manage to hold off the checks I deposit for 10 days, business days. 

As the check was written on Wells Fargo, I went there to cash it on XX/XX/XXXX. They refused. In the interest of full disclosure, the check was written out to my partner and I, who are co-owners of the house. The teller told me I would have to come back in on Monday with my partner. I suspect if we were a straight couple, it wouldve been less of an issue. 

Nevertheless, on Monday XX/XX/XXXX, my partner and I arranged for lunch times to go over to Wells Fargo. They again refused to cash the check that was drawn on them!!! 

They went on to tell us that even if they were willing to cash it, there would be a XXXX dollar check cashing fee. When did banks XXXX XXXX XXXX XXXX hold our money hostage? 

There is nothing about the situation that I am OK with. If I couldnt cash the check, which the teller had on Saturday, she should not have told me I had to come in on Monday with my partner. And when my partner and I went into cash the check, they shouldve cashed it. Also the insurance company pays for that account, they should not be extorting more money out of me.

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 2021-09-09 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2021-09-09 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: GA

Complaint narrative:
XXXX XXXX OPENED XX/XX/XXXX Collection/ChargeOFF ok XX/XX/XXXX Accounts closed by credit grantor XX/XX/XXXX STILL SHOWING BALANCE DUE DISPUTED AT LEAST 4 TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2021-09-09 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: CL Holdings LLC
State: TX

Complaint narrative:
Company name JEFFERSON CAPITAL SYSTEM .date XX/XX/XXXX. 

Company is false reporting under my name .I made no inquiries to this company on such date. I called several times about this issue and nothing has been done. 

This debt is the statue law of limitations! Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. Subchapter ( 15 U.S. CODE S 1681 ). 

The above date is an incorrect date. The original date is stated XXXX XXXX. From The company XXXX XXXX XXXX Which the debt is being passed off to JEFFERSON CAPITAL SYSTEM. Which I never agreed too. 

This is now fraudulent activity on my report and I deman this to be removed under the Texas state law of statue. ( Any ) person who willfully fails to comply with any requirements imposed under the Texas state law of statue with respect to any consumer is liable to that consumer in any amount in the sum of-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TX

Complaint narrative:
This fraudulent company called XXXX is illegally reporting on my credit reports. I've reached out to them about this account numerous of times asking for the signed lease documentation and have received nothing. I reached out to the supposed apartment complex who says I co-signed on a lease in XXXX GA. I have never lived in XXXX GA nor have I signed a lease. They claimed during the pandemic I vacated my lease. I've never been in XXXX and nor do I know anyone in XXXX. I am taking legal action against this debt collector who has given me different stories many of times. This collector had the wrong social security number and when they called me I gave them my correct social and they claimed it was an error and then they started reporting on my credit. I gave them my social to prove it wasn't me and not for them to add the debt to my report. I've lived at my texas address for almost 8 years now and my credit report shows exactly that. This is not a case of stolen identity this is a case of this debt collection agency putting the bad debt on my name because someone has my exact same name. I've dealt with this issue before with another debt and they were able to find the correct person. When I called XXXX they told me to pay 30 % of the debt and they'll remove it and I don't see why I need to pay anything because it's not mine and the opportunities I am missing due this on my report is great.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
Hello, My husband and I both had credit card accounts with Capital One. We are stationed in XXXX on a military base. Capital One will not send paper bills. They require a US phone number to use their two-step verification process to see your bill online. We do not have a US phone number. I called them to ask for a resolution - essentially, how can we view our bill? They said there is no way for us to view our bill unless we get a US phone number. I cancelled both our accounts. However, Im registering a complaint because I cant believe its legal for a credit card company to refuse to provide a monthly statement. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
5/3 stole {$1000.00} from me and has been lying to me and XXXX  XXXX XXXX ALL YEAR When you see attached pictures of my online chats with 5/3 you will see I HAVE HAD SEVERAL ISSUES with this card spanning since last XXXX. Plus check my 1-2 other 5/3 CFPB complaints. JUST NON STOP NEGLIGENCE In the pictures you will see that this company lied to me and promised me that all future payments be canceled, yet they were not. NOW Ive been spending the last 3 hours talking to the Credit dept., then checking dept, then internet services dept. and now Credit again! The credit dept said the money came out of your checking so theyre the only ones that can reverse this payment, then checking said same about internet services and now internet services is pawning me off back onto the credit dept AND NO ONE WILL GIVE ME MY MONEY BACK! 

As soon as I can get away from the monsters and close all accounts I will

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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:
According to the FCRA laws Section 609 the consumer agencies have 30 days to verify the validity of this account failure to do so have resulted in a complaint with consumer finance. According to Section 617 civil liability for negligence noncompliance is any person who is negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. Continuing to report this account has hurt my credit and I ask it be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX XXXX  had 4 open debit card at one time I had one and one showing on statement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: GA

Complaint narrative:
XXXX OPENED XX/XX/2014 CLOSED BY XXXX XXXX STILL SHOWING PAST DUE AMOUNT

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 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Complaint against Santander Bank. Mortgage/insurance division. 

On XX/XX/XXXX I called my home insurance agent to ask about what is covered in my policy since I had a flooding incident due to Hurricane Ida. To my surprise the Safety insurance agent informed me that my policy was canceled due to no payment. To my knowledge I had an escrow account that was handling the home insurance and property taxes. I first made sure that the insurance agency sent the bill and the cancellation notice ( attached below ). I further contact the insurance agent and they confirmed that the bill was sent to the right address while santander bank insurance manager was on a recorded line. The Mangers from Santander bank had two solutions for me : 1- I should buy a policy from them that is {$2900.00} which is twice what I was paying and it only covers the outside house not the inside. 
2- I have to go on my own and shop around for home insurance and call them. 
Now my home is in XXXX XXXX XXXX XXXX MA and it is worth almost {$800000.00} and as of today I do not have any home insurance because my mortgage bank said they didnt get the bill even if the insurance agent confirmed that they received it. Plus I have some flood damage claim that no one is willing to talk about since the policy was cancelled. Please help with a quick and fast resolution

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 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc.
State: NV

Complaint narrative:
Sofi restricted my debit card access without a email or response. I tried calling Sofi support and they were unable to address my issue for 2 weeks. Constant calling and leaving messages for no reps to get in contact with me, I had no access to my funds for weeks and finally got fed up and decided to transfer my funds out my account. 

When I tried to do so they flagged my account and said I had to contact support. 

Tried calling " Fraud Prevention '' this morning at XXXX but that number basically doesn't exist. I've called XXXX at every time of the day and it always tells you they are busy. 

Which means they have provided a fake customer service number that actually won't connect with anyone. I called the sofi rep and even SHE couldn't get in contact with them and said she has to email them. 

This is some of worst customer service I've ever seen from a company. Provding users with essentially a fake customer service number that actually never connects with someone to help is extremely shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TX

Complaint narrative:
This fraudulent company called XXXX is illegally reporting on my credit reports. I've reached out to them about this account numerous of times asking for the signed lease documentation and have received nothing. I reached out to the supposed apartment complex who says I co-signed on a lease in XXXX GA. I have never lived in XXXX GA nor have I signed a lease. They claimed during the pandemic I vacated my lease. I've never been in XXXX and nor do I know anyone in XXXX. I am taking legal action against this debt collector who has given me different stories many of times. This collector had the wrong social security number and when they called me I gave them my correct social and they claimed it was an error and then they started reporting on my credit. I gave them my social to prove it wasn't me and not for them to add the debt to my report. I've lived at my texas address for almost 8 years now and my credit report shows exactly that. This is not a case of stolen identity this is a case of this debt collection agency putting the bad debt on my name because someone has my exact same name. I've dealt with this issue before with another debt and they were able to find the correct person. When I called XXXX they told me to pay 30 % of the debt and they'll remove it and I don't see why I need to pay anything because it's not mine and the opportunities I am missing due this on my report is great.

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 2021-09-09 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: TX

Complaint narrative:
This fraudulent company called XXXX is illegally reporting on my credit reports. I've reached out to them about this account numerous of times asking for the signed lease documentation and have received nothing. I reached out to the supposed apartment complex who says I co-signed on a lease in XXXX GA. I have never lived in XXXX GA nor have I signed a lease. They claimed during the pandemic I vacated my lease. I've never been in XXXX and nor do I know anyone in XXXX. I am taking legal action against this debt collector who has given me different stories many of times. This collector had the wrong social security number and when they called me I gave them my correct social and they claimed it was an error and then they started reporting on my credit. I gave them my social to prove it wasn't me and not for them to add the debt to my report. I've lived at my texas address for almost 8 years now and my credit report shows exactly that. This is not a case of stolen identity this is a case of this debt collection agency putting the bad debt on my name because someone has my exact same name. I've dealt with this issue before with another debt and they were able to find the correct person. When I called XXXX they told me to pay 30 % of the debt and they'll remove it and I don't see why I need to pay anything because it's not mine and the opportunities I am missing due this on my report is great.

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 2021-09-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the XXXX XXXX Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX OPENED XX/XX/2014 CLOSED BY XXXX XXXX STILL SHOWING PAST DUE AMOUNT

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 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Someone opened a fradulant bank account in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 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: GA

Complaint narrative:
XXXX XXXX OPENED XX/XX/XXXX CHARGE OFF XX/XX/XXXX REPORTING PAST DUE AMOUNT

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 2021-09-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX OPENED XX/XX/XXXX CHARGE OFF XX/XX/XXXX REPORTING PAST DUE AMOUNT

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 2021-09-09 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: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
In XXXX of 2020, I purchased a new vehicle with my husband. At the time, I had one payment left on a XXXX XXXX XXXX. As part of the negotiation, the dealership said they would make the final payment on my XXXX. They did not. Instead, a 30 day late notice was put on my credit report, which really hurt my score. I attempted to file a correction with the credit reporting agencies but it was denied. 
I was told by the dealership they would make the final payment. They did not make the final payment. I tried to get things resolved through the dealership but they would never return my calls. They never attempted to call the agencies themselves and have it fixed.

Company response to consumer: Closed with non-monetary relief