vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I traveled to XXXX on XX/XX/2021. Communications in my family village are difficult ; I had no internet connection and unstable phone connection. 

On XX/XX/2021, SunTrust sent a fraud alert to my email, but I could not access my email in XXXX. My daughter was monitoring my email account in the United States and informed me via XXXX of the alert. I called my XXXX teacher, who has helped me in many ways over the past seven years, including setting up my email account, and asked her to respond to SunTrust. I authorized her to access my email account and respond for me to inform SunTrust that this was fraudulent activity. She replied to the alert notification on XX/XX/2021 ( copy attached ). 

Despite that timely response, SunTrust continued to allow these fraudulent withdrawals, sometimes 10 in a single day. A cycle of this began, and notwithstanding our continued emails to SunTrust, we could not put an end to these transactions. In spite of my best efforts and those of my friends and family in the United States, before SunTrust froze my debit card, a total of {$5700.00} had been fraudulently withdrawn from my account by an entity identified on my bank statement as XXXX XXXX. I also incurred over {$100.00} in overdraft fees, because the withdrawals continued to occur even after my account had been drained to {$0.00}. I have highlighted the fraudulent withdrawals on the attached bank statement copy. 

Because of the severity of this situation and my inability to get it resolved, I returned as soon as I possibly could from XXXX. I visited the SunTrust branch in XXXX, XXXX, along with my XXXX teacher and initiated a claim. Upon the suggestion of the SunTrust banker I met with ( XXXX XXXX ), I filed a police report ( copy attached ) on XX/XX/2021. 

Even after my continuous efforts to resolve this issue, SunTrust has denied my claims of fraud, and they refuse to refund the fraudulent withdrawals.

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 2022-02-17 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: FL

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from 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 2022-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
I tried to open a new account with a different financial institution and was denied due to identify theft and south state has falsely added me to the company XXXX XXXX If this issue is not resolved I will seek legal action against south state bank. And I know no one was involved with this situation but south state because of the nasty encounter that I had with a employee at a south state location prior to me closing out my account this was the last bank that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from 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 explanation
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 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: MoneyLion Inc.
State: SC

Complaint narrative:
Ive called MoneyLion multiple times about a loan l took out in XX/XX/2020. The loan payments were being drafted from my checking account. I noticed on my credit report I had 60 days late payments. I called them with little help at all. I disputed it on my credit report until they wouldnt let me anymore. The results after being disputed were just the months I was told I was late. At first late payments were reported for XXXX and XXXX. Then after being disputed changed to payed in XXXX and XXXX and late for XXXX and XXXX. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Systematic National Collection, Inc.
State: NY

Complaint narrative:
This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have not yet received a response to my dispute. The company closed the dispute and stated they would resolve this by contacting the creditor. I have not received any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested to get my credit file pursuant to 15 USC 1681a ( a ) ( g ) in 2021 and i still have not received 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 2022-02-17 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: V and H Portfolio
State: NY

Complaint narrative:
This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have cooperated with Capital One every step of the way in filing my dispute, and they mishandled my case in a negligent way which I am now told has cost me the opportunity to even have my case reviewed. I filed a dispute for a transaction. Capital One gave me an extension on the deadline so I could revise a document at their request, but after I submitted the documents they changed their mind and said the extension they granted me wasn't valid. Their supervisor and I listened to a recording of the call when they granted me the extension and it is clear their agent made a mistake in telling me I could have an extension. The supervisor acknowledged that. However, they are not taking responsibility for their mistake and are giving me no options to even have my case reviewed. Also, Capital One insists they sent me a copy of the merchant 's documentation before the deadline. However, my account has paperless documents and I can see all documents they submitted electronically in my online Capital One account. The documentation they are saying was provided is simply not there ... .that 's just a fact. So, this is a second error Capital One made for which they are refusing to take responsibility. I have spoken with multiple dispute department supervisors there who acknowledge the mistakes, but they offer no resolution to correct the situation. Their supervisors refuse to allow me to speak to the manager above them or to provide any other route to a reasonable resolution. I find this unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020

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 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TX

Complaint narrative:
On XX/XX/XXXX XXXX, I disputed information on my credit report. I ask the 3 credit reporting agencies to verify information on my report to insure that it was accurate.

They later confirmed that the information submitted was validated, 100 % correct.

When submitting information to more than 1 credit agency, all information must match.

I have attached documentation of the information. You will see that it differs.

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 2022-02-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX went into forebarence due to COVID constraints with Bank of America and was levied a hefty {$4300.00} COVID Interest fee. Now trying to get back on my feet after being their customer since XXXX, i am not being granted a waiver so u can cash out refi with it all going to interest.

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 2022-02-17 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-17 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I requested to get my credit file pursuant to 15 USC 1681a ( a ) ( g ) in 2021 and i still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I requested to get my credit file pursuant to 15 USC 1681a ( a ) ( g ) in 2021 and i still have not received 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 non-monetary relief
Consumer complaint received 2022-02-17 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Unauthorized fraud charge on my credit card in the amount of {$2800.00} by XXXX XXXX XXXX. Chase. Chase has been notified with proof of fraud charge but refuses to investigate and correct. Chase has " Zero Liability Protection '' policy but have chosen to not have it apply to this fraud charge for some reason. Chase response is " transaction is valid ''. When is fraud valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I called Remex , Inc. ( XXXX ) and spoke with XXXX XXXX and with XXXX XXXX did not get her last name ) regarding a medical collection appearing on my credit report in the amount of {$120.00}. I asked if I can settle the account and obtain a letter stating the account will be deleted from my credit report. They informed me they can not delete it from my account unless I pay a debt from XX/XX/XXXX ( {$1200.00} + ), this debt does not appear on my credit report.. In the State of New Jersey, the statue of limitations on debt is 6 years. ( Collection of Debt on Account -- XXXX yrs. XXXX ). Basically they are holding my credit hostage unless I pay a debt that has past the statute of limitations. I am trying to obtain a mortgage and need to have these deleted from my report. When I advised them of the statute of limitations, they said that wasn't the law, when clearly it is. This is unethical in terms of trying to obtain payment on a debt that is no longer collectable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-02-17 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation