vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I declare under penalty of perjury under the laws of the United States, if executed outside of the United States that the foregoing is true and correct to the best of my knowledge. Further, I certify that i am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that i made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Moving forward I would like you to stop reporting to all credit reporting agencies that i owe any amount to your company. Remove all these false debts from my report ASAPI will also like your company to mail me via postal mail all changes have or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX loan was transferred to XXXX. According to stipulations of class action lawsuit against XXXX, XXXX should have cancelled my student aide debt and removed from credit report instead of transferring amount to XXXX! 

I qualify for loan forgiveness and removal of loan information from credit report due to the XXXX class action law suit settlement. I was pushed to forbearance for many years and was never properly counseled regarding income based repayment plans upon multiple calls to XXXX. A total of {$9000.00} plus of student loans should be forgiven and removed from my credit history due to XXXX 's predatory practices. " The 39 state attorneys general involved in the settlement said XXXX, formerly known as XXXX XXXX, steered struggling student loan borrowers into costly long-term forbearance plans instead of counseling them about the benefits of more affordable income-driven repayment plans. The interest that accrued because of XXXX practices was added to the borrowers loan balances, pushing borrowers further into debt. ''

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: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX  loan was transferred to XXXX. According to stipulations of class action lawsuit against XXXX, XXXX should have cancelled my student aide debt and removed from credit report instead of transferring amount to XXXX! 

I qualify for loan forgiveness and removal of loan information from credit report due to the XXXX class action law suit settlement. I was pushed to forbearance for many years and was never properly counseled regarding income based repayment plans upon multiple calls to XXXX. A total of {$9000.00} plus of student loans should be forgiven and removed from my credit history due to XXXX 's predatory practices. " The 39 state attorneys general involved in the settlement said XXXX, formerly known as XXXX XXXX, steered struggling student loan borrowers into costly long-term forbearance plans instead of counseling them about the benefits of more affordable income-driven repayment plans. The interest that accrued because of XXXX practices was added to the borrowers loan balances, pushing borrowers further into debt. ''

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX  loan was transferred to XXXX. According to stipulations of class action lawsuit against XXXX, XXXX should have cancelled my student aide debt and removed from credit report instead of transferring amount to XXXX! 

I qualify for loan forgiveness and removal of loan information from credit report due to the XXXX class action law suit settlement. I was pushed to forbearance for many years and was never properly counseled regarding income based repayment plans upon multiple calls to XXXX. A total of {$9000.00} plus of student loans should be forgiven and removed from my credit history due to XXXX 's predatory practices. " The 39 state attorneys general involved in the settlement said XXXX, formerly known as XXXX XXXX, steered struggling student loan borrowers into costly long-term forbearance plans instead of counseling them about the benefits of more affordable income-driven repayment plans. The interest that accrued because of XXXX practices was added to the borrowers loan balances, pushing borrowers further into debt. ''

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hi, I am writing regarding a total sum of {$880.00} in missing funds that we are trying to reclaim from Citizens Bank, and I am seeking a resolution to have these funds returned to us. The missing funds are due to a series of problematic withdrawals that Citizens Bank had made to our account. 

The earliest is a transaction from XX/XX/XXXX, where {$880.00} has been subtracted from our escrow account with only the description " Misapplied Funds ''. This is likely stemming from another error that Citizens Bank had made last year, where they actually sent a homeowner insurance payment to our insurance company XXXX from another bank customer 's account. After working with the insurance company to get the funds returned to Citizens Bank so that they can repay the other bank customer, it seems like Citizens Bank ended up withdrawing this amount directly from our account, instead of using the returned funds that they should have received from XXXX. 

The second is a transaction on XX/XX/XXXX, for a total of {$910.00}. This was supposed to pay for our quarterly property taxes, but our Department of Finance had never received this check, and hence we ended up being charged a late fee of {$6.00}. Citizens Bank had finally refunded us the missing {$910.00} on XX/XX/XXXX, but we are requesting a refund of the late fee that we had to pay due to Citizens Bank 's negligence. 

The last transaction is also on the date of XX/XX/XXXX, where our escrow account listed that {$6.00} in taxes had been paid, but on our local Department of Finance payment history website we found a matching payment at {$6.00}. We are willing to subtract 2 cents from what Citizens Bank owe us due to this. 

Summing everything, we're owed a total of {$880.00} + {$6.00} - {$0.00} = {$880.00}. 

We have repeatedly reached out to Citizens Bank in the past regarding this issue but unfortunately our efforts have not been met with a resolution yet. We have sent them our row-by-row analysis and cross-reference of our escrow account 's transactions, along with our properties ' public payment history records from our local Department of Finance website . We are hoping that filing this CFPB complaint can help us resolve this issue. 

Thank you for your help.

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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I declare under penalty of perjury under the laws of the United States, if executed outside of the United States that the foregoing is true and correct to the best of my knowledge. Further, I certify that i am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that i made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Moving forward I would like you to stop reporting to all credit reporting agencies that i owe any amount to your company. Remove all these false debts from my report ASAPI will also like your company to mail me via postal mail all changes have or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DriveTime
State: FL

Complaint narrative:
My husband and I purchased a used car, a XXXX XXXX XXXX in XXXX from a DriveTime dealership in XXXX, Florida. Throughout a period of XXXX years, XXXX, we paid our monthly payments on time, but the car start having mechanical problems only a few months after we purchased it. 

We tried to resolve the issues with the dealership directly, and even taking it to their mechanic of choice. However, we found out the mechanic bills were added to our original debt and the mechanical problems persisted. At this point, early to mid XXXX, my husband and I had already paid $ XXXX {$8000.00} for the car which included a {$2500.00} down payment plus all the mechanic bills. 

After no solution was given to our situation, we returned the car to dealership. It was not repossessed by the dealer but voluntarily returned by us ; the affected customers of a car that was not in good conditions to be sold in the first place. We were swindled from our money for a period of almost two years, and no solution was ever given to us, even when the car was voluntarily returned to the dealership and sold once again to a new unexpected customer. 

Now after almost 20 years of this predicament, a collect agency and supposedly legal representatives of DriveTime in California are trying to threaten my husband and I with a court case with the intent of getting more money out of us.

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: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc.
State: OH

Complaint narrative:
The Grain App systemically removed my banking information and would not allow me to add information. I have tried numerous ways to remedy this issue. I have called Grain customer support with no response since XX/XX/2021 and emailed their customer support a numerous of times without the option to speak with anyone to get help. This problem has led to me having several late payments on my account and credit report. I am only able to pay my account by them sending one-time payment links after they erroneously report me late without correcting their payment system. My account is currently paid in full and no payments were ever late, yet they are still reporting late payments.

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: IL

Complaint narrative:
On XX/XX/2022 I gave written instruction and what to include and what not to include on my consumer report. This elaborate mechanism does not have permissible purpose and I did not give consent to furnish to furnish this information on my consume report. As a federally protected consumer my rights are still being violated. If my written instructions are not followed I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a checking account in TD Bank ( XXXX ). I tried to close it. They said I'd need to visit a branch. But I'm not in the XXXX XXXX XXXX XXXX. I asked the XXXX XXXX XXXX for help. Then, they closed it once. 
But when they sent me the balance in a check, as the balance became {$0.00}, they charged the penalty for the minimum balance ( below {$100.00} ). I complaint. Then, they refunded it. But then again, they put it in my account that had been closed. This means that they reopened my account, and they'll keep penalizing for the minimum balance every month. This is ridiculous. I asked them to close the account completely and to send the refund in a check by mail, not in my closed account. They said they can't and asked me to visit a branch, which I can't.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is showing up on my credit report as they loaned me XXXX dollars. I never applied for this and I keep calling the credit bureau to get this disputed or removed and I can not get any solution.

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: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I applied for a checking account due to being offered {$250.00} account opening bonus. It is XX/XX/XXXX and I have not received the bonus that I was supposed to get by the second week of XXXX. I spoke to multiple representatives and have used their chat system and was told Id have a resolution by the XXXX and XXXX of XXXX. I just called right now and they said there is nothing they can do. So I feel this is misleading and bait for consumers to open accounts

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX : {$57000.00}.

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 2022-09-13 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00}

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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My identity was lost and it resulted in unarthorized opened accounts and charges damaging my report. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}

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