vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is an auto loan debt/reposession reporting to my consumer report, and the account does not belong to me. This is a result of identity theft, I have been trying to dispute this matter with both the Credit Bureaus and furnisher, and the account still has not been removed and affecting me, my life, my children, and my family negatively.

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 2022-11-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DEAR XXXX XXXX, XXXX XXXX XXXX XXXX have written this letter to dispute a claim that is falsely listed on my consumer report with your company. the amount ( s ) owed are no longer outstanding for the following item : Party Owed : XXXX XXXX XXXX AMOUNT : {$940.00} ACCT # XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF A WRITTEN AGREEMENT BETWEEN MYSELF AND SUNRISE CREDIT SERVICES. SOMEONE USED MY INFORMATION FOR THEIR PERSONAL GAIN. THIS ACCOUNT IS FRAUDULENT AND I AM REQUESTING THIS ACCOUNT BE DELETED FROM MY CREDIT FILE IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted from my consumer report. Enclosed may be additional evidence to support my claim. 

Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
5/3 bank sent a threatening letter saying that my hazard insurance had lapsed and that they were allowed to charge my account homeowner insurance during period lapse as per mortgage agreement. Letter states I need to show proof of insurance " immediately ", and it must be uploaded onto a certain website - not 5/3 rd webpage, not through 5/3 employ. Problem is- they NEVER checked with my insurance which is auto renewal so there will never be a lapse of coverage. When i called the number on the notice the lady said " don't worry you are fine, i see you up loaded info '' - I said problem is this is someones JOB - nobody ever checked- i should not be getting threatening letters. She said a manager would call me back - never happened. I called insurance company who confirmed- they would have shared info / or lender can " see '' by check some site that it is auto renewal. This is second year i have received this letter and done work for them uploaded proof of insurance. If they want patrons do upload proof of insurance each year- ask nicely, tell me at closing - Local branch also said they couldn't do anything about it as it doesn't come from them -- - Banks shouldn't be able to threaten patroons with large fees, and should do their due diliagence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: IL

Complaint narrative:
There is an auto loan debt/reposession reporting to my consumer report, and the account does not belong to me. This is a result of identity theft, I have been trying to dispute this matter with both the Credit Bureaus and furnisher, and the account still has not been removed and affecting me, my life, my children, and my family negatively.

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 2022-11-17 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: IL

Complaint narrative:
There is an auto loan debt/reposession reporting to my consumer report, and the account does not belong to me. This is a result of identity theft, I have been trying to dispute this matter with both the Credit Bureaus and furnisher, and the account still has not been removed and affecting me, my life, my children, and my family negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
PNC Bank and Mortgage Service Account XXXX Joint account : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX We opened the mortgage in XX/XX/XXXX as part of a refinance. The loan was paid off in full by per PCN, but they then added a penalty fee of over {$900.00} dollars to the balance. They have ruined my credit report and continue to do so. We have called them numerous times with no resolution. We need to physically go to the PCN branch, but we can not afford to take time off to address their billing errors. According to MGL Sect 56 and Sect 57 Chapeter 183, PCN are unlawful in their actions. 
XX/XX/XXXX -Amount owed was XXXX We paid {$1500.00} The balance should be {$190.00}, but it was not. PCN hit our credit with a Past Due notice of $ XXXXeven though we just paid them {$1500.00} XXXX We paid PCN {$790.00}. We were notified our account was " Paid in Full '' after this payment. But then, PCN added an additional {$900.00} to our account, after we were told it was paid in full. They told us it was a penalty for early payment. But, the loan was not paid early, it was paid over the course of 15-years. We continue to try to work with PCN but they neglect to respond to our calls or letters. Our credit scores are constantly being effected by these illegal charges. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
I applied to a bunch of Universities in the US for my son through the XXXX XXXX. The application amounts ranged from US {$55.00} to US {$90.00} and there were a total of 9 transactions. The payments were made to entities in US ( universities ) through a US based entity ( Citizens Bank ) using a debit card issued in US.

I have been charged a total of US {$19.00} for the XXXX payments towards " Foreign ATM or POS Fee ; Exchange Fee '' as per the following details : XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$1.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$1.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$1.00} Exchange Fee These charges do not make any sense to me and I have requested Citizens Bank to waive them off. But they have refused to do so. This seems nothing but a clearcut case of extortion on the part of the bank. They have charged me a 3 % fee by labelling these transactions as international. This is wrong because the payments were made to entities in US ( universities ) through a US based entity ( Citizens Bank ) using a debit card issued in US. The entity that processes the payment is also a US Based entity ( XXXX ) and they have clearly stated that they do not charge any additional fee for the use of cards issued by US financial institutions. The receipts issued for each of these transactions has been attached in the form of a PDF file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XX/XX/XXXX I received a credit monitoring email alert that a collection was placed on my credit report by Transworld System Inc for the debtor XXXX. I never received ANY written notice about a debt owed to XXXX from Transworld System Inc. I never received a final bill from the debtor XXXX. I had no idea that I owed XXXX anything. After receiving the credit monitoring email alert about the collection being placed on my account, I called XXXX directly to confirm that I actually owed them. It turns out that I had a final balance that was due on an utility account I closed in XX/XX/XXXX. I told them I never received a final bill from them and had no idea that I owed this amount. XXXX confirmed that they had an incorrect address to send the final bill to. The address they had was the same as the service address. I never received an opportunity to see a final bill, review the final bill or dispute the final bill- for over 5 years. Transworld System Inc NEVER sent me any notice or bill in writing saying that this account was in collection - I never received any opportunity to pay for this account before they put it on my credit report as a collection. Had I known that I owed XXXX in XXXX I would have paid the account right away- but I never had that opportunity before they reported it as a collection. I've paid the account to XXXX- but it should have never been reported as a collection. I've asked Transworld System Inc. to remove the collection account because I was never given the opportunity to verify, confirm and pay the debt before it was reported as a collection. They have not removed the collection from my credit reports- they just updated it to show it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2022 I deposited a check from XXXX XXXX in the amount of {$8200.00} to my checking account. Truist bank put a 7 day hold on the check and stated that it was due to a possibility of being fraudulent. I understand that the check could be held for approximately 3 days but 7? So I wait the 7 days and as per my mobile app it says the funds will be available on XX/XX/2022, I look in my account and still no funds are available. I have uploaded a copy of the mobile app screenshot. I call and the girl, XXXX, is telling me the hold is until after XX/XX/2022. I voice my concerns letting her know the funds state they should be available today XX/XX/2022 and does not want to hear anything else. I asked for a manager and spoke to XXXX. She was also unhelpful ; she states that because at the time of my deposit I did not have {$8200.00} in my account and that is the reason for the 7 days hold. Yet another reason, I let her know that when I opened the account, I deposited {$87000.00} check and yet that cleared in 3 days and I surely did not have that amount in my account. Obviously, they do not do any research on your account before placing hold for earlier in the year I had {$15000.00} in my account. 

I can guarantee that tomorrow morning I will be closing all my accounts at Truist! Do not recommend this bank. On another note, I was in another state for 3 weeks and my debit card was not working and the girl had to order me a new one and send it to me, I told her that I was out of town and had no cash on hand. You think she escalated the mailing of this card, no I had to wait 10 days for my card to come with no money. 

Worst service ever!

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 2022-11-17 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: CrossCountry Mortgage LLC
State: MA

Complaint narrative:
Payment history should not have any payments showing late which was not late .Deferred payments should not be affecting my scores. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: IL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : ; Americollect in the amount of XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. [ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days. Please provide me with the contract with my WET INK signature stating that I am legally bound to pay YOU. Please do not send me an alleged bill/statement from another company for this is considered identity theft you have recieved my information without unknowingly to me without MY knowledege or approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Please refer to previously filed complaints : CFPB Case XXXX and CFPB Case XXXX This is my third and final attempt to resolve this amicably with Capital One. I am willing to provide a copy of my driver 's license, proof of residence, but I will NOT provide a copy of my Social Security card. If they continue to request that, I will be filing a complaint of potential fraud and potential identity theft with the Federal Trade Commission and the Office of the Inspector General. As stated by the Social Security Administration there is absolutely NO reason to present a copy of the physical card. They are adamant in the fact the actual card is not an " identification document '' and it should not be shared. I have attached both a copy of my driver 's license and proof of residence to have an immediate resolution of this issue. I have also attached documents from the Social Security Administration. Furthermore, it is a violation of the Privacy Act to deny individuals for their refusal to provide their social security account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Always pay on time. Falsey reporting late payments on my credit report. See the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: FL

Complaint narrative:
Always pay on time. Falsey reporting late payments on my credit report. See the attached.

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 2022-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted ; XXXX XXXX XXXX- ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Mississippi, they are reporting a debt that I have not agreed to enter by contract or written consent, and they are reporting this information to the bureaus, it is hurting me greatly. 

There is no privity and no signed contract or agreement between me ; XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is in regards to report number XXXX from Experian. I submitted a reinvestigation dispute because they have not removed a Bankruptcy from my credit report. They did not fully comply with the FCRA in reinvestigating the report and XXXX. They still have not removed this from my report. They reinvestigate and stated that they received information and stated that the company that reported the information has certified to Experian that the information is accurate. Now, I do have a Memorandum from the United States bankruptcy Court of District of maryland Office of the Clerk stating that the United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Here we find that this investigation was false and misleading and therefore Experian needs to be held accountable for this. I am requesting that the record be permanently deleted from file.

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 2022-11-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax XXXX : XXXX XXXX XXXX, 2022 XXXX : XXXX, XXXX. 
XXXX XXXX, 2022 XXXX XXXX XXXX/2022XXXX XXXX, 2022 XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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:
XXXX XXXX : XXXX XXXX/2022XXXX XXXX, 2022 XXXX : XXXX, XXXX. 
XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX/XXXX/2022 Experian : XXXX XXXX XXXX XXXX  XXXX2022XXXX XXXXXXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXXXXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX  XXXX XXXX, 2022 XXXX XXXXf XXXX XX/XX/2022

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 2022-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I vehicle was repossessed and sold by Santander Consumer USA. The difference from the sell of the vehicle and my finance charge has been added to my credit report as an unpaid debt. Santander Consumer USA didn't disclosed several key factors involved in our contract. From explaining conscise and conspicuously what my finance charge was, how my APR was calculated and that security interest secured all obligations. These are clear violations of our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: MECHANICS BANK
State: TN

Complaint narrative:
I sent a cashier 's check to Mechanics Bank to pay off auto loan. I overpaid the interest due and the bank states they do owe me a refund of the overpayment. They have released the title and sent it to me and they admit they owe me a refund of the overpayment amount. My problem is they say they will hold my overpayment amount for 45 days even though the cashiers check has cleared, they have released the title, and I have no other accounts with them. 

Why can they hold my money and not refund for 45 days??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Account Resolution Services, amounts of XXXX, XXXX, and XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. [ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days. Please send me the written contract with my WET INK autograph that I have with YOUR company, as I do not recall having any contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: FL

Complaint narrative:
I have no knowledge of the following inquiries on my reaccredit report 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