vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Pursuant to 15 USC 1692. ( a ) ( e ) and 15 USC 1692a. ( 4 ) Account Resolution Services is in violation of the following, but NOT limited to : 15 USC 1692b. ( 2 ) ; 15 USC 1692b. ( 5 ) ; 15 USC 1692c. ( a ) Account Resolution Services has been notified of these above mentioned violations and more via certified mail.

They are attempting to collect a debt that is not theirs to collect, and a debt that is not owed by law, because I am, the consumer, and the creditor. Therefore any additional attempts to collect on this alleged debt is now considered fraud.

If ARS doesn't comply with federal law they will be held accountable for willful non compliance as stated in my address certified mail correspondence.

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 2021-06-23 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I got this acount that does not belong to me and i want it to be remove from my credit report asap. 

1. Identity Theft SANTANDER BK Account Number : XXXX This is not mine.

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOUTHSTATE BANK CORPORATION
State: NC

Complaint narrative:
My husband XXXX and I have a loan with South State Bank that matured in XX/XX/2021. While we were in the process of refinancing the loan, the bank reported our account as delinquent to the credit bureaus even though we continued to make our regular payments. 

Then on XX/XX/XXXX the credit bureaus XXXX, XXXX XXXX, and XXXX  reported the account as 30 days delinquent thus triggering a 40 point drop in my credit score and causing other creditors to take negative actions against me. As a result, XXXX has reduced my credit limit to the current balance. 

On XX/XX/XXXX, South State Bank sent us a letter stating the delinquency was reported in error and that they notified the credit bureaus to remove the delinquency. 

However, it's been over 2 weeks and the delinquency is still being reported and nothing has been corrected. 

This delinquency IS AN ADMITTED SOUTH STATE BANK REPORTING ERROR, why isn't the report corrected immediately? We the customer did nothing wrong except choose to give South State Bank our business. South State has been reporting incorrectly for over 5 weeks. What is the consequence to South State Bank? Someone should be held accountable for this egregious incompetence. 

Who will be held accountable for all the unwarranted negative effects we have to suffer through? How will our credit report, credit score, and credit lines get restored and WHY is it taking so long to correct an admitted error?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX. CST I deposited my wife 's paycheck into our USAA checking account via the mobile app as I've done for years. 

I've been a USAA customer for 10+ years and have never had a returned check. This was a pre-printed payroll check from my wife 's employer. We've deposited checks from this company for nearly a year now without issue. 

The paycheck was for {$800.00}. And right after depositing it, USAA informed me it was holding {$300.00} for eight days. ( Until XX/XX/XXXX XXXX. 

This is the second time USAA has held funds from a paycheck after 10 years of not having this issue. 

Upon contacting USAA, the bank informed me this was because I'd had a few overdraft fees, but those were paid within 24 hours. And again, I've never had a deposited check returned. Each one has gone through. 

There's no excuse to hold the funds like this when they've been instantly credited to my account for the last decade. I need those funds released to pay my rent since it's the end of the month. 

After many complaints with USAA and no action, I'm now forced to file an official complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested written letters and verbally for transunion to remove, inaccurate and information off my credit report, according to the FCRA. The have ignored my demands and my rights. I have taken all necessary steps according to Federal law for the removal of these inaccuracies on my consumer report and I demand Transunion follow the law and discontinue violating my rights under the consumer law.

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 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
Received a call on today from Halstead Financial with a phone number of ( XXXX  ) XXXX from XXXX, NC. My caller ID screen identified it as spam. I was asked to verify my name for a debt. I refused as I do not carry any outstanding debts at this time. The caller hung up when I would not confirm my identity. He stated OK maam since you dont want to say who you are. I asked him to leave a message. He refused to leave a message for the person of whom he was calling. This is DEFINITELY a scam and they will take advantage of innocent people who may not be as aware of their financial obligations. These crooked thieves need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Comerica
State: TX

Complaint narrative:
I opened a checking account with Comerica Bank on XX/XX/XXXX and deposited a check amount of {$1000.00} within next couple of days ( weekend ). 
The bank closed my account on XX/XX/XXXX and disabled the online access. 
The deposited fund was unavailable until today XX/XX/XXXX as they notified me in the mail. They charged me for a 'return item ' fee for $ XXXX when there was no other transactions but a single mobile deposit. 
Their main customer service line and local branch was not able to explain the charge. 
A local branch let me know that a check amount of {$1000.00} with the fee deduction would be sent to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Quicken loans / Rocket mortgage did two hard pulls on my credit without authorization. These inquiries showed up on my monitoring without providing consent for Quicken to do a hard pull in either instance. I am currently shopping for mortgages and all other providers did a soft pull and got explicit consent prior to running a hard pull. Quicken did two different hard pulls neither requesting consent or warning of the pull in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted XXXX  regarding these unauthorized inquiries on my report to be removed and they refused. 

I have submitted in writing by certified mail with a return receipt that these were fraudulent inquiries and request for them to be removed.

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX  regarding these unauthorized inquiries on my report to be removed and they refused. 

I have submitted in writing by certified mail with a return receipt that these were fraudulent inquiries and request for them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested verbally and by written statement that equifax remove these inaccurate and fraudulent accounts and inquiries off of my consumer report according the correct protocols by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted Experian about this issue and it has not been resolved. This has been detrimental to my credit. It dropped my score down over 130 points. I have reported this issue since XX/XX/2021

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 2021-06-23 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: GA

Complaint narrative:
The credit bureau isnt complying with their own policies in a timely matter. I opened an investigation of inaccurate items back on XX/XX/XXXX and my dispute has not been resolved within the appropriate 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 2021-06-23 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
There were three cards fraudulently opened in my name by my husband at the time with American Express. We are divorced now. I called in XXXX of XXXX and they refused to speak with me since my name wasnt on the cards, even though my social was used. Ive attempted disputing several times with the credit bureaus of which have been denied. I called on XX/XX/XXXX and started a fraud claim, of which they stated his name was on the cards using my social. I called back on XX/XX/XXXX after receiving 3 letters for the accounts stating the claims were denied since they stated I opened the accounts. They refused to send me any documentation each time showing his name on cards opened using my social security number, nor will they remove the accounts from my social or credit. I have explained several times that I did not open these accounts. Ive only had one card with American Express that I have paid off and closed several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc.
State: NV

Complaint narrative:
I am not liable for this debt with XXXX - XXXX XXXX XXXX and I do not have a contract with AMERASSIST AR SOLUTION plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit bureau isnt complying with their own policies in a timely matter. I opened an investigation of inaccurate items back on XX/XX/XXXX and my dispute has not been resolved within the appropriate time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
was doubled charged for a purchase from XXXX XXXX  XXXX XXXX in Louisiana for {$100.00} on XX/XX/2021. Contacted merchant, they said they would credit my card, they didn't. Contacted Chase, they denied me because the receipts show I signed, but it is not my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The actions taken by Bank of America as part of a refinance were discriminatory and they failed to take into account the true financial condition of the borrower. Bank of America collected fees of approximately {$2000.00} and have not been responsive to any customer inquires for several months. There is also zero management oversight and a complete disregard for fair lending practices.

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 2021-06-23 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Something is wrong with the way American Express in billing me, this never happened in the past, it's lately I am seeing this happening. 

In reference to my previous complaint no. XXXX, I see the same issue getting repeated over and over again. I recently made a purchase of AUD XXXX ( USD {$180.00} ) on XXXX. I made the payment of {$180.00} back to my AMEX card within minutes after the purchase. 48 hours later Amex increases the purchase price by an additional XXXX cents bringing the total purchase amount to {$180.00}. 

When the card is swiped in a foreign country in a different currency, Amex would convert the currency to it's equivalent USD amount in REAL TIME, and that USD amount would show in my transaction list. Then why are you doing this!? There is no foreign transaction fee in this card, then why are you raising the purchase price 48 hours after the purchase!? This got repeated two times in a row. 

This can't continue or I'll have to stop using this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with WAKEFIELD & ASSOCIATES plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I am not liable for this debt with XXXX RAPID CASH XXXX and I do not have a contract with AD ASTRA REC plus they did not provide me with the original application like I asked. 

Account XXXX Amount Disputed : {$370.00} Account No : XXXX Amount Disputed : {$350.00} Account XXXX Amount Disputed : {$73.00} Account No : XXXX Amount Disputed : {$81.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XXXX XXXX I applied at a XXXX XXXX store to open a new credit card account. 
I keep being told that I already have a account which I did but that account was closed and discharged by chapter XXXX on XXXX XXXX. 
I got a letter from commentiy that I had a credit freeze on my XXXX credit bureau ( which I never heard of until today ) I called XXXX to correct this and was not able to resolve this issue ( kept getting referred to internet ) I was not able to resovle this issue there. I never to my knowledge placed a credit freeze with XXXX. 
I spoke to a accounts person ( jenniefer ) at Comenity about this issue and they keep telling me they can not do anything about it. 
Comenity was extremly rude to me on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: DC

Complaint narrative:
My vehicle loan with XXXX XXXX XXXX became delinquent in XXXX. They charged off the account in XX/XX/XXXX and continued to report charge off account for XXXX, XXXX, and XXXX of XXXX. They changed the account from charge off status to delinquent in XX/XX/XXXX. The vehicle is inoperable however to work on improving my credit I began making payments on the account after the charge off. The account is reporting past due over {$8500.00} with a balance due of {$9000.00}. XXXX  reporting strategy is causing me to show as if I have an account that is open and seriously past due. Lenders are more likely to work with you if there is a charge off account that you are paying down verse an account reporting as open and over 150 days past due. The account had been charged off and should remain in that status. I am curious to know if XXXX took advantage of tax benefits from charging off the account. I believe this is a deliberate act to further damage their customer 's credit when they default on a loan. I am also not in agreement with the way that they allow you to make a payment arrangement but will not update the credit reporting to reflect the payment arrangement. When you call to speak with their customer service representatives they do not seem to be able to help you beyond making a payment.

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 2021-06-23 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: DC

Complaint narrative:
My vehicle loan with XXXX XXXX XXXX became delinquent in XXXX. They charged off the account in XX/XX/XXXX and continued to report charge off account for XXXX, XXXX, and XXXX of XXXX. They changed the account from charge off status to delinquent in XX/XX/XXXX. The vehicle is inoperable however to work on improving my credit I began making payments on the account after the charge off. The account is reporting past due over {$8500.00} with a balance due of {$9000.00}. XXXX  reporting strategy is causing me to show as if I have an account that is open and seriously past due. Lenders are more likely to work with you if there is a charge off account that you are paying down verse an account reporting as open and over 150 days past due. The account had been charged off and should remain in that status. I am curious to know if XXXX took advantage of tax benefits from charging off the account. I believe this is a deliberate act to further damage their customer 's credit when they default on a loan. I am also not in agreement with the way that they allow you to make a payment arrangement but will not update the credit reporting to reflect the payment arrangement. When you call to speak with their customer service representatives they do not seem to be able to help you beyond making a payment.

Company response to consumer: Closed with explanation