vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2022 I contacted my banking institute [ XXXX  ] to request a replacement debit card as I'd recently lost my wallet. As my payroll was going to be deposited on XX/XX/2022 I paid the additional fee of {$24.00} for expedited processing of 2-3 business days. On about XX/XX/2022 XXXX sent me a text saying a delay had been experienced on their behalf and I would receive my package on or about XX/XX/2022. 
Subsequently XXXX claimed delivery on XX/XX/2022 at XXXX with no signature being required. I looked everywhere and spoke to my housemates and confirmed no package was delivered to be found. 
Ultimately on XX/XX/2022 I had to go to my employer and have a card issued so I could finally access my payroll monies. 
Thru no less than 10 calls with the banking institution I have been told I would receive the {$24.00} back thru reimbursement, that I had to take the matter up with XXXX  for reimbursement to Ultimately no reimbursement would be given. XXXX 's policies are that the sender file complaint not the receiver. 
Subsequently I requested a dispute be filed against that transaction stating I'd paid for services but did not receive them. The institution flat out denied me to file a dispute. 
Phone calls to the parent company of fifth third bank have proven untruthful because nobody at any level knows of the possessorship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX State Collection Agency sent me a letter attempting to collect a debt from XX/XX/XXXX for XXXX XXXX XXXX ( clinic ) for 2 amounts, {$26.00} and {$140.00}. Both of these had been paid by insurance and I personally paid the deductibles. I responded with a letter for " debt validation '' and disputed the debts on XX/XX/XXXX. Never received a response as of XX/XX/XXXX but received a credit alert that State Collection Agency had already listed these two " debts '' as collections on my XXXX and XXXX credit reports on XX/XX/XXXX. ( well before the Fair Debt Collections Act 's 30 day period to allow for the debtor 's time period to challenge the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I have tried to dispute this account multiple times. This is not my account. 
In accordance with the Fair Credit Reporting act CAINE & WEINER has violated my rights. 
This account was opened XX/XX/2021 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 I have never received a validation letter. Could you please investigate this account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Account XXXX. XXXX On XX/XX/2019, A company shown as XXXX XXXX XXXX was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: CA

Complaint narrative:
I did not give my written permission to file anything adverse on my credit report. 

In accordance with The Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681A Section 2 : it also states that consumer reporting agency can not furnish a 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 of information, other than records of convictions of crimes which answer dates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should 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 non-monetary relief
Consumer complaint received 2022-07-30 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: CA

Complaint narrative:
I did not give my written permission to file anything adverse on my credit report. 

In accordance with The Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681A Section 2 : it also states that consumer reporting agency can not furnish a 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 of information, other than records of convictions of crimes which answer dates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should 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 2022-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION
State: NV

Complaint narrative:
I have an account with M and T bank for 2.5 years and I tried to call them to ask about how much interest iv paid for the past 2.5 years on XX/XX/2022 Saturday. My payment is due on the second. I can't get a hold of anyone except an automated system and when I got a hold of a representative once she asked for my name and social sending me through 5 automated unsolicited advertisments than I hear good bye at the end of the call suddenly. I have a secured loan with them so I take this seriously. I can't get a hold of the bank and I'm being going to be charged more interest because I am unable to talk to anyone and my payment may not even get made because no one will answer the phone plus these advertisments are completely unacceptable and unwelcome.

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 2022-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/22 at XXXX XXXX I got a phone call saying my electricity was being cut off and that I could pay with my Bank of America mobile app using XXXX XXXX I authorized the XXXX payment for {$200.00} but I did not authorize the XXXX other payments.During this phone call I became worried so I hung up and tried to cancel the transaction on the BOA mobile app, I tried to cancel all four transactions. I called BOA and XXXX and tried to cancel the transactions and also I informed BOA and XXXX that the transactions were and are fraudulent and not authorized. All transactions were sent XXXX. These fraudulent transactions cost myself {$3400.00} I am XXXX old an live on a fixed income

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 2022-07-30 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ORIGINAL CREDITOR 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 I am writing this COMPLAINT on the following accounts : XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ORIGINAL 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 I am writing this COMPLAINT on the following accounts : XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, 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 explanation
Consumer complaint received 2022-07-30 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # 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 also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-07-30 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # 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 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 2022-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am a recent widowed mother of XXXX young children. My husband was a United States XXXX and a Veteran. I have submitted a complaint to your company before due to Freedom Mortgage not working with me and My world came crashing down and changed in just a matter of seconds when we went to bed XX/XX/2018. I couldnt imagine that would be the last night my husband would be alive. XXXX XXXX XXXX XX/XX/2018 my life changed forever. XXXX suffered from XXXX and some other issues due to fighting for our country. My husband lost his life that night. 

My kids were my first thought and then everything else came later. I WAS ABSOLUTELY DEVASTATED. I could not go back to the house for months.When I finally did I tried so hard to keep up with all the bills but I wasnt able to. As a single mother with no help, no job or degree. My veteran benefits were not coming I was stuck so I fell behind on the house I didnt know how to go about things I was so scared. I am not on the loan or title of our home, only XXXX is and there was not a Will. The only thing I have is a letter XXXX wrote stating that I am to receive everything if anything happened to him. 
I did get my auction date postponed and have been in touch with the lender as I have been working on probate which has been a long process.My first court date on XXXX XXXX the judge said my petition was poorly done and I had to have a lot of things done to correct it so the next soonest court date was just XX/XX/XXXX and I was finally granted the petition for probate. I let Freedom Mortgage know what I have been doing and asked for a little more time and to postpone the auction so I can save my home and act in good XXXX want to save my home. They stated they could not do a postponement. This is the only home my children know. We have no where to go and no one to help besides the one person who reached out to me. She has been helping me learn about all of this. We have done everything to try and get the auction date postponed but Freedom Mortgage wont work with me. I now have a job and my VA benefits and can make payments and keep up with all my bills. I dont know what else to do.

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 2022-08-01 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: NY

Complaint narrative:
I sent a letter on XX/XX/2022 to remove : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$7000.00} ; XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX C XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.

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 2022-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I transfer funds between my savings account to another bank I have a checking account with. I've done this manually for months. On Friday, XX/XX/2022, I transferred my funds as normal and received confirmation the funds were sent. Around noon, I received a call from Marcus Savings / Goldman Sachs with the agent saying to call back. I got emails saying my account needed attention. When I called I was told my already verified external account had to be verified with the bank on a 3 way call and the funds were actually not transferred as confirmed by email. It's deceptive and putting me at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: MS

Complaint narrative:
Service for daughter was provided through Louisiana 's XXXX XXXX XXXX. We were repeatedly told that services and products were at no charge and a covered part of the program. 

XXXX XXXX - XXXX XXXX is charging us a fee for {$1200.00} and using the debt collection agency XXXX  America to collect funds. 

I have reached out to both the collection agency and XXXX XXXX, neither will return calls or explain this charge. 

USCB Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: MO

Complaint narrative:
While reviewing my credit report, I noticed several accounts that should not be on my credit report. I have written several letters disputing these accounts as they are in violation of numerous Federal laws. 

XXXX # XXXX XXXX XXXX XXXX {$1700.00} XXXX # XXXX XXXX XXXX XXXX {$1100.00} XXXX # XXXX XXXX XXXX XXXX {$1300.00} XXXX # XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX  # XXXX XXXX XXXX {$1700.00} XXXX XXXX  # XXXX {$2200.00} These items were placed on my credit reports without any prior notification in Violation of the No Surprises Act. 

These accounts are also in violation of the precedent set by XXXX vs Transunion, which states that the burden of proof is on the reporting agency and not on the consumer and that they have a duty to actually conduct a real investigation, which they never do. 

And that is on top of all of the reporting violations and inaccuracies that I have found. 

I have never been provided any documentation by the reporting agency or the original creditor. Every time I request it, I am ignored. 

They say that the accounts were verified, when I know they have not been verified. I have been asking for months for them to verify the accounts with supporting documentation. As of today 's date, they have not verified anything, which makes the accounts unverifiable, which makes them inaccurate, which means they has to be deleted. 

I have written them several times, all to no avail. They willfully and continually violate my rights under Federal 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 non-monetary relief