vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 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 explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I would like to re-open my complaint number XXXX against TD Bank about a {$25.00} balance with " Open Date '' XX/XX/XXXX. On or around XXXX, in its response to my complaint, TD bank confirmed that " Due to the delay with contacting you of the remaining balance due, as a courtesy TD Bank has waived the remaining fees in the amount of {$25.00}. As of today, I confirmed that the Account is paid in full. An update has been sent to the XXXX XXXX XXXX XXXX major credit reporting agencies. Please allow XXXX days for the update to reflect on your credit report ''. However, I learned yesterday ( on XX/XX/XXXX, about XXXXXXXX XXXX XXXX XXXX  later that the {$25.00} still shows as a " charge off '', i.e. " bad debt '' on my credit report, and not as " paid in full '' as TD Bank states in its XX/XX/XXXX report to CFPB. Why -nearly 17 months later - didn't TD Bank inform all three credit bureaus that this amount is " paid in full '' as it states in its response to my complaint to CFBP? Please also see attached XX/XX/XXXX letter, where I marked where TD bank states the amount is " paid in full ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
To Whom It May Concern, Back in XXXX while i was an international student, i lived at an apartment complex. when the covid-19 pandemic started, my parents faced financial issues and i had trouble paying my rent in XXXX and XXXX of XXXX. While contacting the leasing office in XXXX, i informed them that i am unable to finish my lease and i will have to go back to my home country because of covid-19. they have deposited my security deposit that covered the 1 month i was unable to pay and for the determination of the lease. I have informed them of my forwarding address in an email. In XX/XX/XXXX, over 2 years later while applying for credit, i have learned that i have a collection debt. in the past 2 years the company has never tried to contact me at my phone number, email address or forwarding address to resolve this issue or to be able to dispute it. The leasing office had all of my communication information available where they could have reached me to resolve this. I had to learn about this collection debt through my credit report! 
I have tried to contact them to provide proof for the debt in question with no luck. Please help me. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've disputed all these account on my personal account and have not receveied a responce

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 2022-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
The attached documents are exact words/ definitions and details regarding Right of Rescission copied and pasted from the GOVERNMENTAL WEBSITE ITSELF CFPB and other. Exeter is trying to deny me of my right to rescind stating it does not provide for a right to rescission for indirect auto sales finance contract which indeed is FALSE. I have attached definition and the exempt transactions and that does not apply to me and my contract. They also feel as though the right of rescission only applies to mortgage refinance or home equity line of credit as stated in their response. Saying that documentation I am providing is false or inaccurate is also saying the CFPB is false and inaccurate. I would also like to mention how Exeter Finance have neglected to give a sufficient response to my Affidavits point for point by affidavit as they are required to do so. They have ignored my concern regarding billing error, did not send documentary evidence in accordance with 15 USC 44 which reads Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate record, without providing all of these the error cant be clarified or resolved. The account should be placed on hold from collection pursuant 12 CFR 1026.13d ( 1 ) which is my right as a consumer and they are prohibited from reporting adverse credit reports pursuant 12 CFR 1026.13d ( 2 ). Once again I am requesting all funds paid to Exeter be returned to me by form of a check, the title to my 2014 XXXX XXXX, and removal from my credit report. If Exeter Finance continues to violate and deny me of my consumer rights I will be moving forward to arbitration to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
XX/XX/2022 I found out us direct express card blocked my card from being used for legitimate purchases. They are telling me I have to call each time to use my card online and wait on hold over an hour so they can " temporarily authorize '' my card and I have a XXXX hour wait after they do so. This is financial abuse because I am an adult on SSI who knows how to manage my own money. I never had a payee in my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MD

Complaint narrative:
Received a collection notice from Eastern Account System Inc. stating that I owed {$1700.00}. to XXXX XXXX XXXX XXXX XXXX XXXX. They did not send me an actual bill. I wrote them a certified letter that rquested to see the actual bill, since I was never sent this bill from XXXX and had never seen this bill or received notice of it. They sent me a generic bill with no info other than an account number and the amount of {$1700.00} written on it. I refuted this piece of paper, since it was not an actual bill. Then I got in touch with XXXX billing by certified letter and they refused to send me the original bill, even though they could clearly read it on their computer. In the interim, I was able to locate the actual bill on my computer, which stated that I, in fact did not owe the {$1700.00}! I contacted the Public Service Commission, who started an investigation. I was called back by XXXX, who stated that they were willing to help. I sent them the original bill via email. They called me back and told me that " they were pulling the bill. '' I have a voicemail that I saved from them stating this. The woman I spoke to was XXXX, her phone # XXXX. I was told that she was " senior staff ''. I sent all this info to Eastern Acct system, along with the original bill that stated that the {$1700.00} was not owed, then I wrote disputes to all credit reporting agencies, including all pertinent info attached. My dispute was not resolved by Eastern Acct System, and they reconfirmed the debt on my credit to XXXX. My efforts at speaking to Eastern Acct system, were totally fruitless, everyone that I spoke to refused to acknowledge what I was saying to them, and when I asked to send proof that I did not owe the debt, they hung up on me. The facts are as follows : I do not owe {$1700.00} to XXXX, I have NEVER received a bill from XXXX for {$1700.00} from XXXX, then this collection agency calls me and tells me that I owe that amount, and puts it on my credit. I called XXXX at XXXX today, who told me that she could no longer speak to me, and that she did " pull the bill. '' I possess the actual bill that states that I do not owe this amount. XXXX will not acknowledge my proof, and refuses to remove this from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 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 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 2022-11-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX : Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-09 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This company is claiming that I owe a debt, but I have never had a relationship with National Credit Adjust. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. My question is why have I yet to receive any validation of this account? The balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, OH XXXX Re : Closed account ending in XXXX, Active account ending in XXXX In XX/XX/XXXX I misplaced my BJs credit card ending in XXXX, and closed the account. 

In XX/XX/XXXX I paid my active card ending in XXXX. 

You credited my closed account for my payment hence the credit balance. I called customer service and was told the monies would be moved to the active account and the late fees would be waived. 

It has been 2 months, I stopped using the XXXX account. You never transferred the payments to the active account, you have charged me {$60.00} in late fees and interest. 

What do we need to do to correct this? 

Thank you, After this letter they moved the credit from the closed account to the open account but they left the late fees, interest and charged a membership renewal to the active card. I sent them a letter saying I do not want to renew, I am not using the card and I want a credit for the late fees and interest. They called today to say they are putting me in collections. 

I have tried calling and was told everything has to be in writing at this point. I am in my XXXX and would like to have my record clean before I die. This card is linked to a BJs wholesale club membership I do not want the card or the membership. I just want out of this relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I placed a voluntary freeze on my Equifax credit data back in 2020. Since then I have tried several times unsuccessfully to get this freeze lifted. All attempts to resolve this via the Equifax automated system and customer service personal have failed. Every time I speak with a representative my case gets " escalated '' but there is never any follow up or follow through. 

As every credit provider utilizes Equifax I'm essential unable to utilize any form of new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX was victim of fraud by a caller from Chase bank They gave me case XXXX XXXX XXXX this was approved of the change of new card they said. 

They merge all oir personal and business account together. 
Moved a the money even from my neice account to the business And did XXXX transactions for {$10000.00} and {$7200.00} I got no calls from actual chase as these transactions looking suspicious. 

This happened at XXXX About I called chase to file a claim XXXX around. 

These transactions weren pending when i caught them and called chase On XX/XX/XXXX I close all the accounts and these transactions were still pending. 

After ongoing investigation chase comes back and advise that they close my case and it was denied.. 
Because thy fault it was done from my computer. 

I continued to escalate the complaint with executives and they said the same denied because they said it was done from the computer.. 
I told them that never do banking with my computer than they changed that it was my device. 

I filed a police report on XX/XX/XXXX I think their fraud dept could it stopped. They could it see all the suspicious transactions. 

I got no txt no call no email from Chase to ask me if I authorized these big amounts but yet I get emails later on that if I authorized small amount. I attached pictures of those..

Company response to consumer: Closed with explanation