vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/2022 I made deposit of {$300.00} and my account balance were {$25.00}. My cash deposit was not received to my account and I had to file dispute. At XXXX XXXX Regions bank. Now I have to overdraft my account to pay stuff. On the banks fault. I am out of town homeless because of this! I had a new deposit XX/XX/2022 of {$360.00}. My account was overdrawn XXXX because my deposit was not cleared this lead me to lose {$230.00} and had {$120.00} available when Im suppose to have {$660.00} from my {$300.00} deposit and {$360.00} deposit. I had more deposits as well to pay my rent! They taking my money because Im paying back overdraft when I never was overdraft! Now my account $ XXXX. And they said when credit come I will have {$0.00} available! When Im suppose to have {$400.00} because Im usin money thats suppose to be mine I should not have to pay the {$360.00} and loose my money!

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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
15 U.S.C 1602 ( g ) there is no valid proof of the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. 
Equifax removed credit transaction ( XXXX ) from my consumer report but left a furnished account that says below : ( XXXX XXXX XXXX ) The remaining credit reporting agencies have not removed this account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Home address are different from different bureau

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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Home address are different from different bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stephen L. Bruce, P.C.
State: OK

Complaint narrative:
Date XX/XX/XXXX Amount : {$15000.00} Actions : Summons from, The District Court of XXXX XXXX, State of Oklahoma. 
Plaintiff- XXXX Filed : XX/XX/XXXX Attorney : Stephen L. Bruce XXXX XXXX XXXX XXXX XXXX OK XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  has been handling my debt consolidation since XXXX, XXXX. They reached out to XXXX and Attorneys office with no response from either. I have been paying a large sum of money monthly to XXXX XXXX, XXXX XXXX XXXX who has been negotiating a settlement. Now XXXX wants the full balance due paid in full.

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 2022-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: DC

Complaint narrative:
I was a victim of Credit Karma preapproval scam. I was preapproved for several credit cards, then when I applied, I was denied. Each time they checked my credit which in return caused a dramatic decrease in my credit score. I am expecting to be compensated from the results of this lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish an account without my written instructor. I didnt give anybody written instructions

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 2022-10-08 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
GOLDMAN SACHS ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 
XX/XX/XXXX - XX/XX/XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 


XXXX  ACCOUNT XXXX XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I consider this a fraudulent transaction I did make a grocery pickup order for {$340.00}. However was unable to pick up these and I cancelled the entire order. I was still charged in full Wells fargo denied my dispute as the pending transaction posted even after cancellation. I never received any product for this charge.

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 2022-10-08 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: Security Credit Services, LLC
State: MI

Complaint narrative:
A letter was mailed to Security Credit Services , LLC on XX/XX/2021 and received by their office on XX/XX/2021. The letter was submitted in regards to a dispute. In the letter amongst other issues, it listed that they were not authorized to do business or operate in the state of Michigan. They chose not to respond to that particular issue and continue to report this collection item on all 3 credit bureaus till this very day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: PA

Complaint narrative:
I received a notice from XXXX about a charge from XXXX XXXX never signed up for a membership with XXXX and thought my personal information may have been compromised. I asked for validation of this debt, they received it on XX/XX/XXXX, its dated for XXXX XXXX and I received this on XX/XX/XXXX. After further inspection provided by XXXX, they have payment with a credit card and then a XXXX. There are no credit card numbers or XXXX numbers provided. No contract agreement provided with my signature.

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 2022-10-08 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: FIRST PORTFOLIO SERVICING INC
State: WV

Complaint narrative:
This has been going on for a few months now and they keep charging me late fees and the balance has gone from {$330.00} to {$380.00}. Apparently theyve also turned me into collections without notifying me of a past due balance. I cut this card up in XXXX after I paid it off, but there were some fraudulent transactions which I disputed ( in writing ) because they refuse to do disputes over the phone. They denied my dispute because whoever used the card knew my zip code Im sorry but I can XXXX a name and get someones zip code. The FCRA has to have been violated here because as I said theyve turned me into collections without even trying to get ahold of me, charged late fees without notifying me, denied disputes on no basis, and reported me to the credit bureaus as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : DEFAMATION OF CHARACTER to whom it may concern, This is about the consumer report dated XX/XX/2022 received from EQUIFAX via email. While reviewing my report I came to know about the inaccuracy and even fraudulent information still being reported on it. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Your company FALSELY REPORTED information that resulted in defamation of my character. even further, you created deceptive forms that made creditors and employers believe that i was in debt though you could not prove its validity. If the debts were valid you created a false impression that i could not pay the alleged debt. As a result i was discriminated against and denied my right to extend credit. I was denied a XXXX XXXX credit card, and personal loans, I have suffered emotional as well as financial hardship. Therefore, your company is liable under 15 USC 1681o. I have evidence of over 10 phone calls made to EQUIFAX to remedy this matter. I have previous CFPB complaints that EQUIFAX has failed to accurately investigate. I have contacted your company through multiple mediums to remedy this matter. EQUIFAX has willfully and knowingly refused my right to an accurate credit report pursuant to the FAIR CREDIT REPORTING ACT. As a result of a previous breach of my personal sensitive credit information by EQUIFAX i am eligible for a settlement check from the class action suit. Claim Number : XXXX which further proves my sensitive credit information was not secure. However, Still to this date, EQUIFAX continues to be unfair and impartial to my right to privacy and refuses to remove the inaccurate and fraudulent information from my report. my EQUIFAX score is the lowest amongst all my other credit scores and continues to tarnish my character and reputation. I hereby grant your company the opportunity to remedy this matter by doing the following things ; DELETE the account in collection status XXXX XXXX XXXX XXXX XXXX from all consumer reports. Pay {$1000.00} by check addressed to XXXX XXXX for the willful and repetitive knowing violation of my rights. If your company refuses to remedy this matter, I will pursue individual action under the Fair Credit Reporting Act seeking actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: CT

Complaint narrative:
I am being threatened by this company saying I will be arrested, seize my assets, and contact employer. This company is a debt collector saying I owe money that I do not owe. This company is also using dates that from 4 years ago which make no sense. I was not even able to acquire any loans 4 years ago. I am getting repeated emails that are threatening and harassing. I believe this is a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: AZ

Complaint narrative:
On XXXX XXXX had been taken ill and I sent in a payment to XXXX XXXX XXXX  the payment was sent back due to an error I explained that I had been ill and had put it in the portal and there was an error that put me now behind. I was explained by the servicing company that I could make a payment plan through a Covid program under the cares act. I had made an agreement that I have kept and made all the payments. Experian continues to report erroneous reporting and is not correct all payments are and have been made correctly Experian continues to report erroneous information which is damaging my credit at this time.

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 2022-10-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 
XX/XX/XXXX - XX/XX/XXXX JPMCB ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 


XXXX ACCOUNT XXXX XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 
XX/XX/XXXX - XX/XX/XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 


SYNCB/AMAZON ACCOUNT XXXX XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY.

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 2022-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NH

Complaint narrative:
Debt collection is Jefferson Capital. They are attempting to collect a debt originally opened by XXXX. This account was opened fraudulently. I have reached out to Jefferson capital with a debt verification letter and a phone call asking then to demonstrate that I incurred this debt. They have given me no documentation regarding the debt or the original account. I have thus asked them to remove this debt from credit reports and they have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Trying to get lates and derogatory remarks removed off credit from Santander XXXX. Loan was paid off in XX/XX/2022. I made several double payments and was current but they are still showing 30 day lates and 60-90 day lates from last year. Trying to get a mortgage and need these to be removed. Santander is not helpful over the phone said they could not do that did not matter that we double paid and over paid on the account. Said I should of called and told them my double payments were for certain months so I wouldnt of been marked late. They refused to take them off. I have has no lates in a year. These need to be removed. 
Santander is a horrible business to work with and is nothing but a headache. They take your money and make it as difficult as possible to make anything easy for you to be able to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been with Bank of America for a long time, and I have always appreciated the good value and service I have received from Bank of America. Back in XXXX of XXXX  I checked my credit report and notice a mistake. I was devastated to see a late payment show up. In immediately called in to BOA and spoke with a representative. I explained to the rep that in XX/XX/2022 I paid my account in full and set up automative payments with an online rep assisting me with the process. The representative ask what server did I use because sometimes their system glitches when using XXXX, I was unaware and ask why wasn't that explained to me when I set it up. The rep said she will make a note on my account and remove the late payment. However 30 days went by and the late payment was never removed from my report. I called back on XX/XX/XXXX and spoke with another rep in which she assured me that my account will be updated. The rep provide me with an reference # XXXX. Again nothing was done. All XXXX credit bureaus still had the late payments. I called back on XX/XX/2022. I spoke with another rep with reference # XXXX. The representative assured me that she will have my account updated immediately. I called all 3 credit bureaus today and they all responded that they have no letter from Bank of America regarding the late payments. I have a perfect record paying on time. This is really an inconvenience, and a violation of my consumer rights.

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