vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
1. I have a business account ( ending in XXXX ) with Huntington, and between the end of XX/XX/XXXX and and XX/XX/XXXX I was charged multiple overdraft fees, sometimes 3-4 times in one day. 
I deposited some money, but some of those fees have not been refunded. 
For example : on XX/XX/XXXX I was charged 3 times This is excessive overdraft fee charges. 
When I opened my business account 3 years ago I was told by the banker if I want overdraft protection, and I said no, which means I opted out. 
It looks like this banker just lied to me, making me believe that if my balance was 0, the payments would no go through. 
I made a lot of returns between XXXX and XXXX, and the refunds were hold for 4-5 days, and this actually caused my account to go into a negative balance. 
The refunds were delayed and rearranged in a way to make my account to go into overdraft. This is against the law, and I know you were sued for this reason and excessive overdraft fees. 
2. There are also 2 International Debit card Transaction fees as follows. 
XX/XX/XXXX {$2.00} and {$.00} on XX/XX/XXXX I have no idea why I was charged. I have never used my card anywhere outside of the US.

I want those 2 fees refunded. 

I have called your customer service phone number many times, but I was put on hold for 20-30 minutes and no one answered. 
I want all the overdraft fees refunded., and the international fees as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Friday XX/XX/2022 at XXXX I received a email from American Express saying they just closed my XXXX XXXX credit card I have with them, because of my credit report showing delinquency with other accounts that have no association with American Express XXXX My accounts is in good standing by not being in default or delinquent so adverse does not apply to me pursuant to 15 USC 1691 ( d ) ( 6 ) This action from American Express is discrimination pursuant to 15 USC 1691 ( a ) I have been a loyal customer to American Express and to suddenly be treated this way is heartbreaking. I have faced XXXX and anxiety since being stripped of my credit card, making it difficult pay bills and get gas. American Express is responsible for all damages resulting from there actions towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-03-07 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: WA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2020 after attempting to set up an account through annual creditreport.com and through Trans Union directly, I was unable to set up an account. They sent me an email request for identity verification. I submitted to them my Social Security card, my passport, a utility bill and my drivers license photo. 

XX/XX/2020 I received an email from their fulfillment department stating that they had received my identification documents and they had been excepted. It said that the security lock had been removed from my account. They asked me to give it 5 to 10 minutes before logging back in. I attempted to login to view my credit report and it locked me out and said that I was using the wrong information. Such as user ID or password. 

XX/XX/2020 I was emailed and told that my login name reset was successful but I was unable to login with the new user name. 

XX/XX/2020 I was sent an email by Transunion that included a temporary password to login. Again I could not login using the temporary password either. 

XX/XX/2020 I was sent an email by Transunion that said my login information had been updated. I was not able to login. 

XX/XX/2020 I received an email from Transunion that said due to security reasons they were required to lock my account because it was set up fraudulently. They said their records indicated that at some point someone in the past or myself indicated to Trans Union that my account may have been set up an error. I myself never contacted Trans Union and said my account had been set up in error ever. They XXXX went on to say that this is something that may happen when a customer enters an incorrect Social Security number when they are attempting to set up their own account. They said that they placed a lock on my account because they were legally required to keep it locked and I would not be able to access my report through the website. However I was able to either requested by mail or by phone. These are the same options that I tried before and I tried them again after that letter/email and again, it took me through the same loop again unable to get 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 2022-03-07 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: PA

Complaint narrative:
Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.

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 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: MO

Complaint narrative:
Received phone call from someone claiming to be from " XXXX & XXXX XXXX XXXX and XXXX. '' The person stated I had a debt owed to US Bank for over {$2000.00} and liens had been placed against my home, bank accounts, and properties. I asked when the original debt was created, as I have filed bankruptcy and my debts were discharged in 2013. The person refused to answer. Then the person stated " Good luck in court '' and hung up. I called back to get further information and the same person answered but could not give me any details regarding the debt and insisted I would receive the information when I was served.

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 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: InvestiNet LLC
State: FL

Complaint narrative:
This is my XXXX time filing a XXXX complaint about this and this is criminal at this point. The 2 previous complaints are numbers XXXX and XXXX. 

So basically they are illegally trying to collect on a debt that is passed the statue of limitations and are FALSELY stating the amount owed. The court judgment they tried using before is long expired and was never renewed so it is passed the statue of limitations. 

So please stop telling lies that this debt is owed, enforceable or collectable. Everything you have provided so far has been passed the statues of limitations so explain yourselves?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AK

Complaint narrative:
I have tried for several years to challenge a letter that Midland Credit XXXX has been sending for many years, claiming they I owe money to " XXXX XXXX  XXXX ''. 
I have never had an account with any such company, and have made repeated attempts ( see attached ) asking them to verify the debt and demonstrate what services I signed up for that generated this action. 

I have even challenged this thru XXXX, but the answer I always received is " verified ''. 
Midland Credit refuses to tell me what the bill is for, and what services generated this debt? 

I have also circled the bottom of the recent Midland Credit form, telling me that the bill is past the statute to limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I got a copy of my credit report and discovered that this company had put a collection on my credit report. I sent them a letter but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I have a mortgage with a monthly payment of {$1400.00} with a united wholesale mortgage. I registered for automatic drafting on XX/XX/2021. But the Company did not draft the payment automatically in XXXX, so then there is a past due and the company reported to the credit company. My credit was deducted XXXX points on XX/XX/2021. 
I was not aware that UWM did not charge me automatically, so it became a late payment, so I did a dispute with the company, but they did not help me solve the issue and marked the dispute as complete without investigation. 
I would like to request credit restoration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied in my name. 

According to the FCRA, these UNVERIFIED and UNAUTHORIZED inquiries must be removed. 

CREDIT BUREAU : EXPERIAN INQUIRIES : XXXXe b XXXX XXXX XXXX XXXX Card XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Card

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 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Fraudulent charge was made on my account XX/XX/2022 to XXXX for {$10000.00}. I filed a fraud claim with Bank of America. I received a denial letter dated XX/XX/2022. They claim the charge was made from my verified device such as cell phone or tablet. I do not have a tablet and my phone is not tied to my credit cards or bank accounts. I do not have an account with AIRBNB and they did not recognize my phone number when I tried to call. I filed a police report. I am currently appealing their decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07 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, Amount {$920.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$440.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount : {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$1600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-03-07 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, Amount {$920.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$440.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount : {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$1600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had late payments on my past mortgage with XXXX XXXX  XXXX XXXX in XXXX two of them. I sold the home on XX/XX/XXXX. I asked Transunion to remove the late payment as it was affecting my credit rating/score and they said they could not. They advised me to have XXXX XXXX XXXXXXXX remove it from my account. XXXX XXXX XXXXXXXX advised me that they are only reporting what happened during the course of the loan by law and that they can not remove those late payments from the account which I understand. I went back to Transunion and they said that XXXX XXXX XXXXXXXX can write me a good fate response in regards to those late payments. XXXX XXXX XXXX said they do not write good fate statements for this type of request and that all the credit bureaus know this. I went back to Transunion and they advised me to contact you guys ( CFPB ). I have been at this since the last week of XX/XX/XXXX trying to have Transunion remove this late payment from their record since the loan was paid off in full. They told me that this late payment is set to be removed in XXXX. My argument is since the loan was paid off in full, no foreclosure or bankruptcy why keep the late payments on my report for 6 years.

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