vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

I WANT ALL THE BELOW ACCOUNTS TO HAVE ALL LATE PAYMENTS REMOVED ASAP. This is illegal and a violation of credit reporting act. I will be suing the credit reporting bureaus for falsely reporting and causing me to be homeless for over a year. 

All inquires not tied to an open account need to be removed asap. 

Late payments needed to be removed ASAP : XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-11-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a $ XXXX HELOC with TD Bank and borrowed $ XXXX against it for appromixately 1.5 months. I paid {$150.00} of interest when I paid back the principal and was susequently billed for an additional {$130.00} of 'residual interest ' and dunned repeatedly by staff for late balance. Nowhere in the online transaction history is there an accounting of how interest is posted or calculated so that I can determine if it is an appropriate amount to be charged before paying. The interest owed is not posted on online transaction history. Together these interest amounts seem high relative to the period the principal balance is outstanding. And without these details posted the customer has no transparency to determine the fairness. I have no ability to determine if they are charging me for amounts in excess of the time period for which the principal balance was outstanding or using some other deceptive practice to create a higher than 8.7 % effective APR. 

I am now waiting for a " payoff statement '' to come in the mail, so that I can determine how this additional interest is calculated before paying. TD says they are unable to email me this information. And as previously mentioned, it is not available in the online transaction history. 

When speaking to the customer service rep she acknowledged that there has been a lot of " complaints '' about this. It doesn't seem reasonable that a product can go to market that assesses interest without clear and transparent methods posted in the online transaction history. Especially coupled with aggressive collection methods, posting of late charges, and written notices that they will report delinquencies to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In two separate incidences, citizens bank made errors that cost me thousands and almost made me lose everything in my life. Their statement was that they do not compensate customers for financial hardships even when they caused it. On XX/XX/XXXX, they received a debt verification request from myself. They did not respond within the five days required under law. They are also not allowed to put derogatory remarks on my credit report nor are they allowed to continue collection activities until the debt has been verified. They have not followed any of these requirements. They put enough derogatory marks on my report to take my score over XXXX points. They put enough derogatory marks on my report to take my score XXXX points. I have informed XXXX XXXX who works in the office of the chairman that the bank is in violation of federal law many many times. She is knowingly thumbing her nose at the life. I am filing this complaint to hold them accountable. I have requested that they remove the marks several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Since beginning of XX/XX/2023 till today, the bank has been charging me overdrafts fees of over {$2500.00} despite the fact that I have overdraft protection set up on my account. I reached out to the local branch and the mangers to help resolve these issues and unfortunately, they didnt return my calls and when I visited the bank in person, they couldnt give me any explanation or take any responsibility. 

As result of the lack of communication and support to my account, and the excessive fees, my account is overdrawn and I lost over {$2500.00} of unjustified fees. I had the funds available in my credit cards and my line of credit, but the staff failed to connect either as overdraft protection as I requested several times Secondly, my incoming deposits were delayed by the bank and were not cleared till I had so many overdraft fees which caused less funds available in my account. I was also blocked on the app from making any checks deposit and had no access to make any deposits. 

I made several phone calls and visits to my local branch, requested help but sadly they failed to call back, or provide solutions on time, or resolve these issues or even show any kind of caring. Additionally, this was not the first time this had happened, earlier this year, my account was mistakenly by the bank overdrawn by over {$19000.00}, which also created issues on my account and it took the local staff weeks to take responsibility and resolve it. 

I finally contacted the office of the president and sent a formal complaint in writing, my complained was ignored and i never receive any response, I even called couple of times, no one return my calls. Finally I called on XXXX XXXX, XXXX  and the person answered the phone give no answer or solutions to my complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XXXX of XXXX, I submitted a dispute to XXXX, TransUnion and XXXX with respect to a {$14000.00} child support arrears balance as well as a {$0.00} balance for an additional child support case. The dispute letter in question detailed reason behind the dispute and the negative and adverse effect it was causing to my credit. I have been paying the debt in question on a monthly basis and it is appearing on my credit report as a collection for a non-credit fiscal duty of the state of tennessee ; not anything financed by way of a banking institution. Per the report issued on XX/XX/2022 by the XXXX as well as XXXX XXXX XXXX new initiative to remove and ban child support from the credit reporting process.No actions were taken to remove the child support in question from my credit report and I'm asking for assistance as this matter is damanging my ability to advance credit worthy status

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XXXX of 2022, I submitted a dispute to XXXX, XXXX and Experian with respect to a {$14000.00} child support arrears balance as well as a {$0.00} balance for an additional child support case. The dispute letter in question detailed reason behind the dispute and the negative and adverse effect it was causing to my credit. I have been paying the debt in question on a monthly basis and it is appearing on my credit report as a collection for a non-credit fiscal duty of the state of tennessee ; not anything financed by way of a banking institution. Per the report issued on XX/XX/2022 by the XXXX as well as XXXX XXXX XXXX new initiative to remove and ban child support from the credit reporting process.No actions were taken to remove the child support in question from my credit report and I'm asking for assistance as this matter is damanging my ability to advance credit worthy status

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 2023-11-09 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Navy Federal Credit Union apparently has sued me and is now trying to ask the court to garnish my wages. I have disputed this account because there are fraudulent charges that were made on this account, and it is not fair and illegal to not investigate and ask me to pay the bill. Please allow me the due diligence to dispute these items. Please resend me any and all transactions associated with this account, via email and USPS mail or respond back to this complaint with all charges. 
Court Case is Docket # Docket # XXXX. 
I have also contacted the Law firm that is representing Navy Federal Credit Union and the law Firm is Named, XXXX , XXXX XXXX XXXX XXXX , XXXX . and I have contacted them via email @ XXXX in reference to this Docket # and XXXX Responded back via email that I need to contact Navy Federal Credit Union in which I have been requesting information. So again it is not fair and illegal that a company can sue me AND deduct money from my paycheck without allowing me to dispute this or have this issue investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I clicked on a link on the Amazon website to apply for a Synchrony Bank store card. The page that opened said that I could click on a button to see if I qualify for pre-approval for the card, and it will not impact my credit score. I clicked on the button and entered the information requested. Then I got a message that I was not pre-approved, and it again said that it would not impact my credit score. 

On XX/XX/XXXX, I received an email from Synchrony Bank that included a letter. The letter was a full credit review that denied my application for the card, and listed my credit score as XXXX. That is significantly lower than the credit score that I received when I applied for a credit card with XXXX XXXX XXXX XXXX  only a month earlier. XXXX denied my credit card application, in a letter dated XX/XX/XXXX, but listed my credit score as XXXX. They used XXXX in their evaluation. 

I did not apply for a card with Synchrony, only clicked on a button for pre-approval, and I was assured, both before and after clicking on the button, that it would not impact my credit score at all. That was dishonest. Synchrony Bank used a credit company called XXXX XXXX XXXX. 

I called Synchrony Bank on XX/XX/XXXX, the same day that I received the emailed letter from them. I said that the process was unacceptable, and I had not agreed to a full credit review and they had lowered my score unreasonably. The staff person was totally unhelpful, saying that I had agreed to it while at the same time agreeing with me that I had not. Then I said that I wanted the decision reversed, and I got a different response from her. She checked with someone and said that they would do an investigation and look at the website. If my concern is valid, they will remove the credit score and reverse the decision. She said they would send me a letter within 30 days. 

I have not received a letter from them yet. It has not yet been 30 days, but I want to alert CFPB and consumers because this process is a sham and should be stopped. It is stressful and unpleasant, and other people should not have to go through it. CFPB should stop Synchrony Bank and Amazon from false and misleading advertising and doing full credit reviews, what they call a " hard inquiry '' without peoples ' permission.

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 2023-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OR

Complaint narrative:
Someone from a home in XXXX XXXX XXXX XXXX, GA has stolen my identity to open an account with XXXX XXXX XXXX which has gone to collections under my name. 

Their phone numbers are XXXX & XXXX. The amount is {$2800.00} owed to Sunrise Credit Services. I have filed a police report and would like them to clear these collections from my name.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has viol

ated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. I WANT ALL THE BELOW ACCOUNTS TO HAVE ALL LATE PAYMENTS REMOVED ASAP. This is illegal and a violation of credit reporting act. I will be suing the credit reporting bureaus for falsely reporting and causing me to be homeless for over a year.
All inquires not tied to an open account need to be removed asap. 

Late payments needed to be removed ASAP : XXXXXXXX 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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, There are XXXX unauthorized hard credit inquires that you have stated are fraud and the inquiries have been removed. 

Please see these XXXX below that you say on fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX There are XXXX  that still show up on my credit report as of this complaint are : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Per your own documentation please remove these XXXX hard inquiries as soon as possible as its damaging my ability to obtain credit. 

Attached to this complaint are : my written complaint screen shots of my credit report a copy of the credit results where YOU have stated they are fraudulent and they are removed- even though they are not removed my drivers license my social security card my address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
Multiple PSLF forms have been submitted since XX/XX/XXXX. I have also included supplemental XXXX and banking statements showing direct deposits showing employment records for the months of XXXX. They recorded my end date or employment as XX/XX/XXXX and will not correct my record. My form continues to be duplicated and removed from the system. Every time I call they change the name of the form received and will no longer process. I have now called on several occasions and was told XXXX days again and this has been happening for 19 months. I have offered my resignation letter on several occasions and do not want it. I have shown direct deposits matching my XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reviewed my credit report recently and I noticed that there are incorrect addresses that should be removed. I have tried to resolve this issue with experian before and no results. Here is the case number # 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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
i did not open this account it was opened frequently. I have notified the company but cant reach fraud dept because they will not provide full account/card number

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
i did not open this account it was opened frequently. I have notified the company but cant reach fraud dept because they will not provide full account/card number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Peer Advisors, LLC
State: NE

Complaint narrative:
Competing is the person handling my grandmas reverse mortgage. I had a house fire and I have {$120000.00} because my house was ruined and my grandma h had the reverse mortgage and theyre wanting me to pay off my grandmas reverse mortgage and the house is not worth XXXX or {$86000.00} that theyre trying to make me pay. Theres a 95 % on a reverse mortgage, OK and I would not have any money, but Ive already left. Ill be homeless and left her house because it was House and they refusing to do an appraisal and theyre trying to make me pay it off and fall and thats not right

Company response to consumer: Closed with explanation