vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have experience MULTIPLE fraud charges on my card in the course of 2 weeks ( XX/XX/2022 ) and TD Bank has been less than helpful in addressing the issue. I NEVER received fraud alerts for the first XXXX fraud charges that were all from the same vendor on 1 day. Then I received another fraud charge 2 weeks later ( on XX/XX/2022 ) from another vendor. As a lifelong customer of TD Bank, their statements about " some transactions will unfortunately not trigger a fraud alert '' is unacceptable. I have to wait almost 30 days for a decision to be made on the first dispute and they are not listening to ME, but contacting the SUPPOSED vendor for confirmation of the charges. 

I expect better treatment as a customer and don't want my credit to be affected - these fraud charges have already cost me close to {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I am filing this for myself and not anyone 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 2022-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is NOT a duplicate complaint! This is a new complaint! DO NOT CLOSE COMPLAINT BEFORESHEFFIELD FINANCIALAND CFPB INVESTIGATION IS COMPLETED!! This attached documentFINANCIALLY SETTLEDwas notarized XX/XX/2022 this week and certifiedmail toSHEFFIELD FINANCIALthe same day! Exhibit XXXX  XXXX  contract VIN # XXXX, for slingshot Make : XXXX XXXX. Please respond to attacheddocument.

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 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I held account number XXXX with BB & T / Truist for several years and typically maintained a balance of several hundred dollars. In or about XX/XX/XXXX, I discovered that the bank had been charging me a monthly account maintenance fee of {$30.00} for several months beginning in or about XX/XX/XXXX. I contacted the bank to inquiry about the charge, they did not provide any specific information about the fee. I asked for the charges to be refunded, and the representative agreed to credit me back for two months of the charges ( {$60.00} ), but said that needed to physically visit the bank branch to have the remaining two months of charges ( another {$60.00} ) refunded. 

In or about XX/XX/XXXX, I visited the BB & T branch located at XXXX XXXX XXXX, XXXX XXXX VA to request that the remaining charges be refunded. I met with XXXX XXXX ( XXXX, XXXX ), who informed me that the bank would not refund any additional charges. As a result, I withdrew the remaining balance from my account ( leaving the account with a {$0.00} balance ) and requested that the account be closed. XXXX XXXX stated that she could not close the account at that moment due to some computer / system problem, but that she would speak to the branch manager to close the account. Based on this conversation, my understanding was that the account would be closed with a zero balance and no fees without my needing to take any further action. 

I subsequently received correspondence dated XX/XX/XXXX from Truist ( attached ) stating that my account has been closed due to an overdrawn balance, including a {$30.00} charge-off fee. They are demanding that I pay {$79.00}, and I have no idea of the basis for that figure. My position is that Truist in fact still owes me {$60.00} from the wrongfully assessed and excessive fees charged to my account during two months in XXXX. 

I appreciate your assistance in helping me recover the {$60.00} in fees, which I firmly believe falls under the category of a " junk fee '', and ending Truists attempted wongful collection of {$79.00} from me. Please feel free to contact me with any questions or if you require any additional information.

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 2022-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
we struggled working with Ocwen and now PHH we finally got a loan mod approved ; we made our trial payments of {$2500.00} per month. 
once we received the final loan mod ; both of us were sick with covid so returning the final loan XXXX was late. 
Now we have a foreclosure posted on our door ; PHH says we have to start over ; now they keep our money and want to start foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: WA

Complaint narrative:
My husband was getting a personal loan he was told he would get XXXX XXXX dollars the man on the phone wanted my social security number. He did not say he was going to pull my credit.. and to top it off the loan was denied even though my husband and I got letters saying otherwise this happened the XX/XX/XXXX I spoke with the credit union and they said they were going to send a letter to the credit company to try to have the hard hit pulled but it is still there please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022 there was an unauthorized charge at XXXX for {$1800.00} I didnt notice this until a month later, I filed dispute for that charge and received a letter saying this charge was authorized, chase Is saying It Is authorized because It Is in the same city I just moved to. I was not living in the downtown XXXX area when this unauthorized charge occurred. Chase refuses to allow me refund for this after repeatedly telling them It was not me. There Is nothing in XXXX that costs {$1800.00} I have explained numerous times this Is not me please fix this issue and have chase explain investigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cohen & Cohen Law, LLC
State: NY

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX in XXXX NY in XXXX of XXXX. It was a judgement letter from a supposed debt that was rendered in XXXX. I was never formally served with any paperwork stating that I was to present to Court to contest this debt. They stated that the full amount owed was {$3900.00}, stemming from interest, fees and poundage at 5 % from XXXX to the present. A debt verification was sent to the attorneys in question, since I have no knowledge of said debt. Stating that he was collecting on a judgment, I was sent a copy. The debt is from XXXX XXXX XXXX XXXX, whom I've never heard of until the receipt of the letter from XXXX XXXX XXXX XXXX. I've requested the original copy of whatever agreement was signed that accrued this alleged debt. They have threatened garnishment and/or to freeze my bank account if I don't pay, yet they are unable or unwilling to present evidence of what this debt supposedly is and who owns the original debt in question. 

Both the Law Offices of XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX are included for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I gave information to XXXX XXXX XXXX  to see if I was prequalified for a credit card to take advantage of a deal they had going on. They told me that I was approved for a credit card for {$400.00} and I decided against opening it and told them that I was not interested in opening a credit card through them. A few days later I get a notification on my credit report that a new account was opened for XXXX with a {$400.00} credit line. I in no way authorized this account to be opened and when told I was pre approved I said no. I am now stuck with closing this account and having it reflect on my credit report as something I authorized, when I never did. I was told I was getting a pre approval and I went against opening the account. This credit card was opened fraudulently and I did not authorize it. I simply gave my information to see my options, and since it did not work for my needs I told the clerk NO. I have no information about this card other than it was opened at XXXX and is through Synchrony bank. I have no idea of the interest rate or where the card would even be sent to.

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 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and MEDICAL DATA SYSTEMS I is currently reporting debt to my credit report and as allowed under the FAIR DEBT COLLECTION PRACTICES ACT, I am requesting that they allow me to validate the alleged debt. I asked to provide me with a breakdown of all charges, dates of service and procedures given including fees associated.Additionally, I am allowed under XXXX Law to protect my privacy and medical records from third parties. I do not recall giving permission for Medical Data Systems I, XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXXunable to provide a breakdown of fees including any collection costs and medical charges. 
XXXX.Unable to Provide a copy of my signature with the provider of service to my release of my medical information to you. 
XXXX. I asked to Cease any credit bureau reporting until debt has been validated by me. 
I requested for MEDICAL DATA SYSTEMS I to send this information to my mailing address and accept this letter as my formal debt validation request, which I am allowed under the XXXX. I advised that withholding the information they received from any medical provider in an attempt to be XXXX Compliant can be a violation of the XXXX because they will be deceiving me after my written request. I requested full documentation of what they received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt the credit bureaus prior to allowing me to validate it may be a violation of the fair credit reporting act, which can allow me to seek damages from their collection agency. Per the standard, you have XXXX days in which to respond to this request, I submitted request on XX/XX/XXXX and I have not received the requested information. 


MEDICAL DATA SYSTEMS I ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX : {$3900.00} Account # XXXX Collection opened : 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 explanation
Consumer complaint received 2022-02-25 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: DE

Complaint narrative:
To whom it may concern, Under 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave EQUIFAX any written consent to report anything to my consumer report. No Consent is identity Theft. A copy of the law is attached with this dispute letter. 

With that being said, I the consumer contacted Equifax on XX/XX/XXXX and spoke to XXXX ( Id number-XXXX ) which is the dispute center representative and the XXXX which is XXXX ( id number-XXXX  ). They both stated on a recorded line that are not deleting even with the laws presented to them. Equifax failed to comply with requirements of 15 U.S.C 1681b and responsible for an individual action/violation. I am sending dispute letter with the laws attached. Im requesting {$1000.00} for failure to comply. 


Under 15 U.S Code 1681n Civil Liability for willful noncompliance ( a ) IN GENERAL Any person willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer in an amount equal to the sum of_ ( 1 ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Concerning the accounts listed below as a consumer Im demanding a deletion of this accounts.

Youll must delete these accounts within 4 days after receipt under 15 U.S code 1681c-2.

INQUIRY XXXX XXXX XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX

Company response to consumer: Closed with explanation