vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/2022 account went overdraft by {$49.00}. The account was brought back to positive within 24 hours. On XX/XX/2022 account went overdraft by {$36.00} at XXXX but I brought back to positive balance within a few hours. According to https : XXXX I should be allow to have 24 hours to bring my balance back to positive without being charged with any fee if I didnt overdraft more than {$50.00}. I was charged {$35.00} overdraft fee for both time. 

Ive reached out to TD bank and they said they cant refund the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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:
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 2022-03-19 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:
XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX # XXXX No authorization of law for my collection of information. 
no evidence or proof of alleged debt including specifically the alleged contract or other instrument bearing my signature. 
15 usc ( e ). 15 usc 1681

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 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute. 
XXXX XXXX XXXX and XXXX I have reached out to the company and debt collector also made a dispute. 
XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute XX/XX/XXXX XXXX and XXXX I have reached out to the company and the debt collector also made a dispute. 
Date opened XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute. 
Date opened XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to company and debt collector also made a dispute. 
XXXX XXXX I have reached out to company and made a dispute. 
XXXX XXXX I have reached out to company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XX/XX/XXXX I have reached out to the company and made a dispute. 
XXXX XXXX i have reached out to the company and made a dispute. 
XX/XX/XXXX I have reached out to the company and made a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have received multiple mail letters stating that my bank account was closed and checks have bounce in account I do not have open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It's unfortunate it has come to reporting these companies that are supposed to be reporting our credit fairly and supporting us. That said it has been well over XXXX months, just this month I spent {$80.00} in certified mail disputing. I have been providing clear and legal documents which I'll include. I have been getting the letters notarized by the state of Pennsylvania, making it a legal affidavit. I have been including more personal information they even need to identify me. All included in the files I attached, this is holding my life back and my family. I am so XXXX please help and hold these companies responsible for their complete lack of responsibility to uphold the law. I want this fraudulent information off my credit report immediately.

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 2022-03-19 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:
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 2022-03-19 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:
Accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding
State: VA

Complaint narrative:
We asked for a Modication back on XXXX.this company will not help XXXXS.I am XXXX years old on a wheelchair my husband is XXXX years old.we were told that we could appy for a Modication after my husband had compleded his XXXX bankrutdy.That was compleded on XXXX XXXX.our payments have been paid.Some how there was a balance after the XXXX was compleded.We were working Hud and a lawyer to XXXX to get a Modication.Now XXXX  i treating to foreclose on our home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have received multiple mail letters stating that my bank account was closed and checks have bounce in account I do not have open

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 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have received multiple mail letters stating that my bank account was closed and checks have bounce in account I do not have open

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 2022-03-19 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:
XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX # XXXX No authorization of law for my collection of information. 
no evidence or proof of alleged debt including specifically the alleged contract or other instrument bearing my signature. 
15 usc ( e ). 15 usc 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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:
XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX # XXXX No authorization of law for my collection of information. 
no evidence or proof of alleged debt including specifically the alleged contract or other instrument bearing my signature. 
15 usc ( e ). 15 usc 1681

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 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
Well the bank is first Citizens Bank they said that when I made my deposit that my check didn't clear they said that my account basically was fraudulent they said that the deposit that I made was fraudulent and altered to so basically they put my account on hold and put it on for a frozen account and said that this account will be closed and that I have no funds in this account and not to mention this was early XXXX maybe early XXXX of 2021 so why am I still receiving text alerts why am I still receiving email alerts with a balance of {$4500.00} every single day from the moment they close my account supposedly till now and I'm still receiving these text alerts and I also called and I have it on video where I talk to representative and she basically stated that wherever my text alert is saying where my email alert is saying that is my balance so I had got into it with representative that's actually over the account she's very disrespectful she's very rude and I've tried to talk to other people about my account so I don't have to deal with her but somehow they won't listen just basically want to pass me to her and I don't want to talk to her because she's just disrespectful she's very rude and I don't have time for and I know that my account is still open and I know that my funds are still in that account and somehow she's done it where it's showing that the accounts closed but it's not cuz I'm still receiving a {$4500.00} dollar balance every single day I mean I don't know what else to do and I know that I'm not crazy and I know that their system is not going to generate me a balance every single day with the same exact amount every single day from the moment that this account supposedly has been closed have no record of the was supposedly check that was fraudulent I never received that back but I also have when they Representatives on video where she's stating she's saying that wherever my text alert is saying whatever my email alert is saying that's what's in my balance so why are you saying one thing and why is my I mean I don't know what else to do so can you please help me get this issue resolved because I know I'm not crazy and I need my money out of that account thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I never authorized a hard credit inquiry. The loan officer XXXX XXXX, li

ed about leaving a voi cemail for me. The supervisor never returned a call. The application online is very misleading. I never entered my SSN and stopped the application at the point it asked for credit pull authorization. The only way it could
have been pulled, would be that they got my SSN from a previous application. 

Huntington Bank XXXX ID # XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Onemain/Springleaf financial is ruining my credit by refusing to report accurately to the major credit bureaus. 

When I initially called to settle my account, I was advised that it would show as settled with a 90 day delinquency. I wanted my account to show as settled in full, current. They advised that in order for this to happen, I would need to stretch my payments out over 6 months so that it would not reflect as settled in full with a delinquency. Thats their first illegal activity. 

I spoke with XXXX from the XXXX XXXX executive office of customer care who advised me that they did not know that it was possible for an account to show as settled as full with a delinquency but they will look into it and call me back. On XX/XX/2022 I received a letter from Onemain stating the following that they investigated my dispute ( after I sent one in writing ) and that they sent the following updates to the credit agencies : Balance $ XXXXamount past due {$0.00} Last payment date : XX/XX/2022 Update the payment history to match our system of record. 
Account status : current Delete the first XXXX of delinquency. 

I received a credit monitoring alert last week that the account was updated to current. This morning I woke up to credit monitoring alerts stating that one main is now reporting my account as 120 days delinquent!! I am extremely upset with the incompetence of this predatory lending service and will proceed with filing official complaints. I am also entitled to damages as Onemain has negligently failed to comply with its obligations under the FCRA. I want the delinquencies on my trade like from one main removed as well as {$10000.00} in damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
In XXXX of 2020, I initiated a request for my mortgage loan which is serviced by Pennymac to be reviewed for PMI ( private mortgage insurance ) deletion. The process involved paying for a third-party broker price opinion. Due to improvements I had made to my home, especially a new roof I had installed in 2020, I was told ( and independently verified with XXXX XXXX XXXX servicer guide - XXXX XXXX is the owner of the loan ) that I would qualify for PMI deletion if the broker price opinion reflected a home value such that my LTV ( loan-to-value ) ratio at the new value was under 80 %. On background, any XXXX XXXX  loan less than 2 years old is eligible for PMI deletion if significant improvements have been made to the home and the LTV after the improvements is less than 80 %. I went through the process, which took about a month, and paid the {$100.00} BPO fee. 

About a week later, I hadn't heard back so I reached out to Pennymac. I was inform that I needed to send a roofing invoice and pictures of the roof. This was fine, and I did my best to take a good picture and provide the invoice. I asked and was informed that the BPO reflected a valuation of {$270000.00}, which is WELL above the level it needed to be to delete PMI ( my current mortgage balance is just below {$190000.00}, resulting in a new LTV of below 72 % ). 

This morning, I received a notice stating that upon further review Pennymac determined that my valuation was too low to meet the mortgage investor 's criteria for deletion. This is incorrect both based on the XXXX XXXX servicer guide and on what I have already been told by Pennymac. They are fraudulently forcing me to continue paying for PMI despite the fact that it is no longer necessary. It is egregious that the process has taken over a month, that Pennymac is not following the XXXX XXXX servicer guide, and that I've clearly received incorrect information. 

( CC : XXXX XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-19 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: MO

Complaint narrative:
This is now my third time disputing this collection account with Experian. Both times previously, they confirmed that everything is reporting accurately. However, there are still major inaccuracies with the collection account and the original creditor. I do not think they ever fully investigated my previous claims which is why I am contacting the CFPB. This is a direct violation of FCRA 15 U.S.C. 168. These inaccuracies are negatively impacting my credit report, and ALL should be deleted immediately. 

XXXX XXXX XXXX - Acct XXXX is showing an open date of XX/XX/XXXX, but this account was allegedly charged off by the original creditor in XX/XX/XXXX. How can an account be opened with the original creditor and sold to a collection agency in the same month? 

XXXX XXXX Acct XXXX Is the alleged original creditor of the above collection account. They are also showing an open date of XX/XX/XXXX, but again the account was also reported 180 days late in XX/XX/XXXX. So again, how can an account be opened and reported 180 days late in the same month. They also reported payments in XXXX and XXXX. So how can there be payments to an account in XXXX and XXXX, but the account wasn't opened until XXXX. 

Furthermore, the collection account XXXX XXXX is also reporting me past due.. From my understanding collection accounts are not supposed to include a history of late payment or a past due balance, as I do not have any payment agreements currently set in place with this agency. The collection agency claiming a history of late payments and past due balances is a false representation of my relationship with them. They can not report any payment history of late payments or past due balance on an account from the alleged creditor before them. A collection is by default derogatory and this goes without saying. Both XXXX XXXX and XXXX XXXX XXXX XXXX needs to be deleted immediately. 

Again, this is my third time disputing and you continue to report inaccurate information. You've had two other chances to correct my report, yet it is still wrong. Delete both of these accounts immediately, as it is clear they were never investigated. 

I am including screenshots from Experian showing the original creditor with open date of XX/XX/XXXX and payments made in XXXX and XXXX. I am also including the dispute investigation from experian

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 2022-03-19 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: SC

Complaint narrative:
The information being reported is incorrect : XXXXXXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$960.00} XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXXXXXX Balance {$350.00} XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX Balance {$190.00}

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 2022-03-19 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: SC

Complaint narrative:
The information being reported is incorrect : XXXXXXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$960.00} XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX  Balance {$420.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$350.00} XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX  Balance {$190.00}

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 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
1. I was charged a {$36.00} over draft fee for check number XXXX on XX/XX/XXXX. 2. End of day balance for XX/XX/XXXX was {$1.00} AFTER the {$36.00} fee. 3. This fee was based on PENDING items. 4. PENDING items are monies not yet requested by the merchant. 5. PENDING items do not always occur and some will drop off. 6. It is not accurate to access fees based on these PENDING transactions. 7. Accessing fees on PENDING items are nothing more than a money grab by irresponsible banking systems. 8. AND by assessing this fee now, those PENDING items, when or if requested by merchant will assess further overdraft fees. 9. Lastly, BB & T is noted as provider on my account, I was not, nor have I been a BB & T customer.

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