vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Checks that I did not authorize was deposited into my account I called citizens bank because I did not recognize the checks I asked them to stop it they told me they couldnt stop the checks yet because they have to wait for the checks to clear now they are trying to get me to pay the money because the check was deposited they telling me that I had to pay bounce checks back to them that I never even use in their people couldnt even take out my accountXXXX  my account is closed I cant open a bank account until the money gets paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
Advantage Financial Services/XXXX XXXX XXXX Orginal Amount of Debt : {$1300.00} Interest being charge : {$43.00} ( 12 % annual ) Received a phone call middle of XXXX to collect a payment that was charged in XXXX. I never received notification via phone or email that this debt was outstanding prior to this call. Confirmed with the representative that they had the incorrect address. A new statement was sent to correct address on XX/XX/XXXX. They are attempting to collect 12 % interest. I refuse to pay interest on a debt I was never notified on. On XXXX I called to pay original amount and close account. The account representative, XXXX, informed me that they attempted to call and that they left multiple voicemails, claiming they have been calling since XXXX. I never received a call from them until XXXX and when I asked for verificationproof of calls he stated that they are not required to do so and he told me to call back at a later date. 

I called the original provider, XXXX XXXX XXXX XXXX XXXX, they outsource the medical billing to another company called XXXX XXXX XXXX. Confirmed that they had the incorrect contact information. Attempted to pay them direclty for the orginal amount, but they claimed that they have no ability to help me now that Advantage Financial Services is involved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: WI

Complaint narrative:
Hello, I am very upset! I have been repairing my credit and viewing the accounts that are listed. Just recently 2 collections accounts were removed from my report, 2 other collection accounts were closed for payment and my credit card utilization decreased from 98 % to 0 %, considering all of this, my credit only increased approx. XXXX points. 

However, just yesterday I check my credit and out of no a medical collection for {$1000.00} is added to my account. An account that I was NEVER notified of prior, no one called or sent letters to inform me of any past due new debt or balances. This ONE medical collection dropped my credit a total of XXXX points!!! XXXX POINTS!!! I do not believe that that is accurate nor fair. The scale is wrong and my credit should not be affected that much! I literally repaired my credit with over 4 things removed and updated and I only got back a few points. I don't understand how ONE medical collection that I was not made aware of before hand could drop my score by so much!!! I AM VERY UPSET AND NEED AN EXPLANATION. This does not add up at all!!!!

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 2022-09-13 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: WI

Complaint narrative:
Hello, I am very upset! I have been repairing my credit and viewing the accounts that are listed. Just recently 2 collections accounts were removed from my report, 2 other collection accounts were closed for payment and my credit card utilization decreased from 98 % to 0 %, considering all of this, my credit only increased approx. 60 points. 

However, just yesterday I check my credit and out of no a medical collection for {$1000.00} is added to my account. An account that I was NEVER notified of prior, no one called or sent letters to inform me of any past due new debt or balances. This ONE medical collection dropped my credit a total of XXXX points!!! XXXX POINTS!!! I do not believe that that is accurate nor fair. The scale is wrong and my credit should not be affected that much! I literally repaired my credit with over 4 things removed and updated and I only got back a few points. I don't understand how ONE medical collection that I was not made aware of before hand could drop my score by so much!!! I AM VERY UPSET AND NEED AN EXPLANATION. This does not add up at all!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I recently opened a account with cash app, to receive money from my son to put in my bank. It ended up paying but twice so I sent one back and it took it out twice. I ended up with a XXXX bal. I tried to get the thier customer service to help but they don't. On the XXXX of XXXX. I tried to put the balance in my bank. Thier site is very confusing I put send XXXX to my bank. Within mins it sent to someone called XXXX I request the money back with in minutes. Talked to customer service viva Chat and also on the phone. Basically they said too bad. I could call the person. No number, or email address. I don't know this person sent requests to them yesterday and today for my money back. I have XXXX for years you have to have persons name and email to send money. If it isn't a business. XXXX XXXXl with dispute the transaction with the other party. When you call cash app you get a recording. They will call back could take hours. Also the time sent on my receipt was hours before I sent it. This company takes no responsibility in anything. How can I get my money back they chose the name from my bank. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX is now reporting my mortgage payment deliquent 30 days and trying to ruin my credit. We have never been 30 days late. The mortgage for XXXX and XXXX was paid totaling in amount of {$4500.00} on XX/XX/22 by XXXX XXXX XXXX  ohio hafs program. XXXX knows I was approved for XXXX assistance through the XXXX XXXX XXXX XXXX  Ohio program. The money was sent to pay my mortgage in a timely manner but XXXX XXXX has not even added the money to my account. Now they are putting deliquent on my husband and my credit report. I never get anywhere talking to XXXX. No one knows what's going on and they do nothing to help their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX is now reporting my mortgage payment deliquent 30 days and trying to ruin my credit. We have never been 30 days late. The mortgage for XXXX and XXXX was paid totaling in amount of {$4500.00} on XX/XX/22 by XXXX XXXX XXXX ohio hafs program. XXXX knows I was approved for State assistance through the XXXX XXXX XXXX XXXX Ohio program. The money was sent to pay my mortgage in a timely manner but XXXX XXXX has not even added the money to my account. Now they are putting deliquent on my husband and my credit report. I never get anywhere talking to XXXX. No one knows what's going on and they do nothing to help their clients.

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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
On XX/XX/2022 XXXX XXXX paid me to move out of my apartment and keep my mouth shut about the discrimination/retaliation I had faced from them for the past 5 years. At the beginnin of XXXX I was notified I owed a debt to XXXX despite them payin me to move out, I contacted the debt collector and asked them to validate the debt and on a few weeks later I got a statement that said I nothing was owed for rent, late charges, legal fees, nsf, utility, lease termination, insufficient fee, legal fees, dispossession fee, warrant fee, eviction fee, cleanin charges, damages, key charge, expcept for other non tenant rent was what was claimed to be owed not really a validation or explainin where this debt came from especially when XXXX paid me to move and has yet to pay my deposit of {$500.00} back? I sent a letter back on XX/XX/2022 to National Credit Systems requestin a validation of this fraudulent debt that XXXX seems to have just made up, and no response has been given. It has been reported on my credit report even though their hasn't been any judgements or court orders against sayin I owe XXXX a dime! 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Could you please check thee listed accounts below for accuracy and right reporting. I believe the acppunts below are inaccurate and its causing my credit score to be low and its taking an toll on my life. If/once you discover the mistake could you remove the accounts please. By law all inaccurate accounts has to be removed XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # XXXX XXXX # # XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Could you please check thee listed accounts below for accuracy and right reporting. I believe the acppunts below are inaccurate and its causing my credit score to be low and its taking an toll on my life. If/once you discover the mistake could you remove the accounts please. By law all inaccurate accounts has to be removed XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # # XXXX XXXX # # XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I submitted an initial request for a refund on my paid off student loans under the cares act for payments made after XX/XX/XXXX, and the initial request did not go through. After submitting a second request through a follow up call on XX/XX/XXXX, the customer service representative quoted me an estimated 6 months or 120 business days before I would receive my refund. Other individuals and companies have quoted 30-45 days and so I believe that with the deadline of submitting for a refund request on XXXX this is not an appropriate timeline to process the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I have been receiving collection notices for a credit card opened in my name, from someone in another state. I have spoken to collection co. Several times asking them to send me paperwork with my signature, anything to prove it is mine. I just received a bank statement copy which has no personal info.I was told by the collection, to file notice here. 
Cr.Card - XXXX XXXX XXXX  amt of {$880.00} act. Was opened in XXXX. Never received a statement from the bank at my address. The person who opened the act.is in XXXX, XXXX. I have never been there, lived there.I have been at the same add. Since XXXX. The same job for 21 yrs. Collection co.MCM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-09-13 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Over the past month, I've had XXXX previous purchases re-applied to my account and then immediately reversed ( see attachment for examples ). While these duplicate transactions appear to net to {$0.00} and aren't affecting the amount owed, XXXX can not provide a satisfactory answer as to why this is happening. It's very difficult to determine whether my current balance is correct when I have so many unnecessary transactions appearing on my statement. 

Additionally, not all of the credits back to my account are reversing my airline mile rewards. This will result in too many miles posting to my airline account ; when these are eventually clawed-back, this will impact my ability to earn loyalty points that I'm rightfully owed from all purchases made. For example, the website is currently showing that I will earn 15,590 miles in my next statement when I should only earn 80 miles. When Barclay discovers this error, they will prevent all rewards ( miles + loyalty points ) from being sent to the airline until I make up the negative balance. 

I've called Barclay XXXX XXXX since XXXX and have asked for a call-back from a supervisor, which has never happened.

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 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
This XXXX XXXX  account has been closed for 3 years why I'm I getting a letter saying I owe them {$220.00} I will not going to paying this amount I lost my job I lost my wife to XXXX I am struggling financially I will not pay please leave me alone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I'm reaching out regarding the Checking account i have at Truist Bank. Truist bank accessed several Overdraft fees on my account and took my account negative. Even after my account became negative due to all these fees. Instead of declining they accessed more fees. Year to Date from XX/XX/2022 till XX/XX/2022 they charged approximately XXXX XXXX I tried reaching out to their customer service several times and they are not helping to resolve the issue. I atatched all my statements and we can see all the overdraft fees charged every month.

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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a complaint about a credit card and us bank responded about the wrong credit card. Not only that. They send police to my home and almost to my work and I could have been fired. Because they dont communicate or pay attention. My card ending in XXXX is the issue. The response to my initial complaint is trash. And it shows incompetence on US bank because they cant even get the right credit card account that im complaining about. 
Us bank sent officers to places I live over a conversation I had about my hardship with my XXXX credit card. This company is causing more mental distress because they dont listen. Im taking this to court. Ive had it.

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 2022-09-13 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: OneMain Finance Corporation
State: FL

Complaint narrative:
OneMain financial has already been contacted by me via USPS mail. There are still a few inquiries on my credit report. One main financial has not provided a sign contract stating that they solicited my information with my permission. Is incorrect reporting and inquiry has hindered me from receiving a mortgage, and apartment, and more in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: TX

Complaint narrative:
XX/XX/2022, I sent a letter to the United States Bankruptcy Court XXXX XXXX XXXX Texas " XXXX XXXX Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ''. So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights several times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy. 

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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