vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 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: TX

Complaint narrative:
XXXX XXXX Bank just responded to my XXXX complaint & agreed that the account being reported does not belong to me. Why is XXXX XXXX Experian continuing to verify it instead of deleting it. This has exposed both credit bureaus as being corrupt & wanting consumers to stay in a bad credit cycle. Im already planning to file a lawsuit but if this isnt fixed even by providing proof from the creditor that the information is inaccurate then I will be suing federally instead of locally.

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 2022-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX. Me and my husband, XXXX XXXX, are co-borrowers on a mortgage which secures our house located at XXXX XXXX XXXX in XXXX, XXXX 

In XXXX, BSI Financial acquired my home mortgage loan and sent me a bill for {$1100.00} for " forced-place insurance '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to BSI to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, BSI continued to charge me anyway for the next XXXX years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$3500.00} over the period from XXXX to XXXX. 

In XXXX, by mortgage loan was transferred from BSI to XXXX XXXX. Like BSI, XXXX XXXX also sent me a bill for {$1200.00} for " forced-place insurance '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to XXXX XXXX to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, XXXX XXXX continued to charge me anyway for the next XXXX years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$2500.00} over the period from XXXX to XXXX. In addition to imposing lender-placed insurance on me, XXXX XXXX XXXX XXXX to pay my property taxes in XXXX, leaving me vulnerable to foreclosure by the City of XXXX. On XX/XX/XXXX, I received a Notice of Non-Payment of Property Taxes from the City even though it is not my responsibility to pay the city. It is XXXX 's responsibility to pay the municipal property taxes because they include this in my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: GA

Complaint narrative:
Im making a claim against US Bank. 
On XX/XX/2022 I called my lending institution XXXX XXXX to find out why 4 of my recent payments had been returned or stopped to my credit card company US Bank. XXXX XXXX said the funds were available on the day I made payments to USBank on all 4 occasions. I asked why they stopped the payments and they said it was done on US Banks side, that they did not do it. Then yesterday I made made 1 payment and was charged 3 times for amount I was paying by clicking the payment button 3 times for the amount 3 separate times in a 10 min window. I called US bank and the customer service rep XXXX said she was sorry but all three payments would be posted to my bank account and if they didnt clear I would have to pay the returned payment fee, the extra interest and more. Then said she was sorry. I would like someone to help me with this. I am very careful with my credit cards and believe I am being scammed by US Bank and their app technology and more.

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 2022-06-15 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.

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 2022-06-15 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-15 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: SC

Complaint narrative:
On XX/XX/2022, XXXX XXXX XXXX provided paperwork stating the information reporting on a credit report is correct. XXXX XXXX XXXX provided a detailed payment history showing the end balance owed was {$7300.00} ( please see attachment ). 

On XX/XX/2022, letters were sent to said bureau requesting the information be deleted because the amount being reported is incorrect ( please see attachment ). According to the FCRA, all information reporting on a credit report must be accurate and must have supporting documentation and that document be provided when requested by the consumer. 

On the most recent report, XXXX XXXX XXXX is still reporting the account as a collection with a balance of {$17.00}, 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 2022-06-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2022, XXXX XXXX XXXX provided paperwork stating the information reporting on a credit report is correct. XXXX XXXX XXXX provided a detailed payment history showing the end balance owed was {$7300.00} ( please see attachment ). 

On XX/XX/2022, letters were sent to said bureau requesting the information be deleted because the amount being reported is incorrect ( please see attachment ). According to the FCRA, all information reporting on a credit report must be accurate and must have supporting documentation and that document be provided when requested by the consumer. 

On the most recent report, XXXX XXXX XXXX is still reporting the account as a collection with a balance of {$17.00}, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: CITIBANK, N.A.
State: AK

Complaint narrative:
On XX/XX/XXXX someone conducted a balance transfer from my Citibank credit card in the amount of {$7000.00}. And then apparently they tried another {$7000.00} balance transfer which would have put me over my limit and was rejected. I was notified of the rejection via email from Citi, which alerted me the successful fraudulent charge. I contact Citibank the following day. The representative filed it as a dispute, told me the charges would be removed in 2-3 business days. In addition, she re-numbered the account and sent me a new card. 

These two transfers were initiated by paper check, so apparently someone had gotten balance transfer checks that Citi endlessly fills my mailbox with. I asked the Citi rep to provide me with a copy of the check. She was unable to do so. Like literally, she couldn't access the check. She couldn't see who the payee was. She only had the same information I did : check number, date and amount. She gave me the phone number to Citibank Security Services. I contacted them, because the account had been closed/renumbered they couldn't access the information, and claimed once I received the new card and activated it they would be able to see the check. 

I received the new card and activated it on XX/XX/XXXX. On XX/XX/XXXX I checked the account online and the fraudulent balance transfer was still on my account. I contacted Citi again via phone and was told that the disputed charge would be removed within 2-3 business days. 

On XX/XX/XXXX I checked and the disputed charges were still on my account. I contacted Citi again as was told it would take 3-5 business days to remove the charges. At this point I pointed out that it had been 9 business days since I reported the fraud and I wanted the charges removed today. Citibank customer service is of no assistance at all.

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 2022-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 an account without my 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 explanation
Consumer complaint received 2022-06-15 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.

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 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: OK

Complaint narrative:
Received call from IQ Data International about a debt I had no knowledge of, representative was very aggressive toward collecting it. I informed him I had no knowledge and asked for verification, which he became more aggressive and abusive. I received a very vague statement of the debt after sending a letter for verification, the company used the term rental reimbursement multiple times each with different amounts listed. Sent second letter for clarification about the vagueness of the verification, which went unanswered. They have placed this on all my credit bureaus and increase the amount monthly of what I owe. But have never verified this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
They report on my credit and Im not authorized that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: TX

Complaint narrative:
XXXX XXXX Bank just responded to my XXXX  complaint & agreed that the account being reported does not belong to me. Why is Equifax XXXX XXXX continuing to verify it instead of deleting it. This has exposed both credit bureaus as being corrupt & wanting consumers to stay in a bad credit cycle. Im already planning to file a lawsuit but if this isnt fixed even by providing proof from the creditor that the information is inaccurate then I will be suing federally instead of locally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have written twice since XXXX to Trans Union for the to validate Two collections that seem to just be reported by them first is by XXXX XXXX XXXX # XXXX for {$990.00} and second is by XXXX  XXXX XXXX XXXX for {$160.00} and they havent responded I certified mailed them a letter asking them to please removed if not certified and they havent responded I did received back sign confirmation that they received my letter but nothing else

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 2022-06-15 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Back in XXXX of XXXX  I rented a car thru XXXX XXXX Upon trying to pick up this vehicle I was informed they do not rent to Ga residents. So I informed XXXX XXXX  about this in which was stationed in XXXX and they laughed about it. I contacted my bank Wells Fargo about this and my money was refunded back to me. Now Wells Fargo is pulling out the XXXX dollars because they said XXXX XXXX sent them the terms and conditions and that since I was late picking car up they wanted there money. The man with XXXX XXXX  said he could not leave the car keys in there lock box because I'm a GA resident. I explained to Wells Fargo numerous times to please contact XXXXXXXX XXXX XXXX  and even go on there website and they will see they do not rent to GA residents. So Wells told me they would not reopen my case and they will be pulling the funds back out of my account. This is fraud at this point. I could not get this vehicle with a GA drivers license and Wells Fargo will not do anything further to help me resolve this and hold XXXX XXXX XXXXXXXX responsible. I receive XXXX benefits and I can't afford to be ripped off by my bank because they refuse to handle this case responsibly. Please help...

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 2022-06-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I made a dispute with Experian and XXXX reference to this debt collector XXXX XXXX who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).

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 2022-06-15 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My phone was stolen morning of XX/XX/2022 and the thief downloaded an Apple Card in my name. I have already filed a complaint with Apple Card specialists that the card opened was fraudulent and that the charges incurred ( ~ {$4000.00} ) were also fraudulent. The thief also made fraudulent trades on my XXXX account, but nothing was withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had a late payment in my Credit Report due to an error to my bill pay, I called the lender to explained them and they requested proof. 

TD Bank had told me that if I could get a letter from the bill payment company detailing their error, TD would remove the delay from the credit report. I have sent letters to the bill payment company explaining their error but have not received a response. 

The accounts involved are the following : Account number : XXXX XXXX XXXX XXXX Open date : XX/XX/2009 Balance {$0.00} Account number : XXXX XXXX XXXX XXXX. 
Open date : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: FL

Complaint narrative:
XXXX  violated my rights 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( b ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 USC 1679c ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report.

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 2022-06-15 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: LEXISNEXIS
State: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in this complaint. I sent letters to LexisNexis the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them and I have proof that they receive the letter on XX/XX/2022. That means LexisNexis has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR DELETE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy Reference # : XXXX XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX/XXXX  Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: SC

Complaint narrative:
I have disputed this debt with the credit reporting agencies. I did not sign a contract with Credit Cop solutions Inc. They are trying collect on a debt originated with XXXX XXXX XXXX XXXX XXXX I received a letter from them stating what the feel was debt validation. It including no documentation, just them giving dates to when they acquired the alleged debt. I sent them a letter via registered mail XX/XX/2022. Requesting validation documentation. Explicitly outlining my request and gave them a 30 day time frame to send the info. They in return sent me a envelope with copies of statements from the original creditor only. No proof they owned the debt. No contract from the original creditor. They even falsely stated this not time barred and they have they right to pursue this debt. 
Attached you will see the letter sent to them and what they sent in return.

Company response to consumer: Closed with explanation