vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I've sent numerous letters to XXXX  and TransUnion about the collection that is still shown on my report. XXXX  removed on their end but TransUnion and XXXX  our still showing this inaccurate information on my credit reports and it's taking a huge effect on my credit score. I have not gotten any response from the bureaus on behalf of the item. I want this removed ASAP as which they can not provide any information about this debt bearing my signature.

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 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank offered a special promotion of paying a {$400.00} for opening an acct, doing 10 ATM transactions in the first month, and opening online statements. The bank has refused the {$400.00} payment because I failed to open online statement. They offered no reminder to do so but charged me {$4.00} for each of three months for not opening an online account. They can't have it both ways. The Executive Office stands by the letter of the promotion ... not the substance. As far as I am concerned Regions Bank stole my money. While their conduct may not have been illegal, it was certainly unethical and beneath normal banking standards. Obviously don't care about their reputation once this tactic is exposed to the general public.

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, these accounts been on my credit report for 1-2 months now. The only response Ive gotten back was that they were verified. I want to know who verified them. Because by law after 30 days with no real response the accounts are suppose to be remove.

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 2021-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Controlled Credit Corporation
State: OH

Complaint narrative:
As per my last complaint a collection company called Controlled Credit Corporation sent me a letter stating I owed money to XXXX XXXX XXXX. I called XXXX XXXX XXXX again to confirm I do not have debt with them, or any XXXX facilities. I was also told that XXXX  does not due business with Controlled Credit Corporation and have never heard of them. I have Never been to XXXX XXXX XXXX, no claim has even been submitted to my medical insurance by any XXXX facilities for this amount of money. I also called my health insurance I check if I ever had an claims from this hospital in the past 7 years and nothing was or has been filed. I was assured I do not have any outstanding debt. Controlled Credit Corporation is trying to fraud me. If they continue and place a fake debt on my credit report I will hire an attorney and sue. This company needs to be investigated for fraudulent medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: SC

Complaint narrative:
Transunion along with the help of XXXX XXXX has improperly reported information on my credit report for years and broke the law. They have admitted this to me in writing and I demand remedy from XXXX  for the improper use and damages. I have attached a affidavit of truth, invoice, legal notice and the exhibit proving these proof and admission, and the same information has been sent certified mail green receipt to the company.

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 2021-04-13 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: MI

Complaint narrative:
I noticed 2 bankruptcies on my Equifax Credit reports in XXXX I trying contacting them about this unknown information, Bankruptcy # XXXX and Bankruptcy # XXXX, several times throughout XXXX and XXXX. In XXXX of XXXX they stated they verified with third party entity XXXX  that the information is accurate. I thought they had to get all information from a original source. I then contact XXXX XXXX and they provided me with the information they had in my file on XX/XX/XXXX. The file they provided me has no Information about any bankruptcies. I once again notified Equifax about the lack of information and ask for it to be removed .... This time they ignored me and I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX performed an unauthorized Hard inquiry on my credit report on XX/XX/2019. I did not approve this inquiry, as such I would like it to be removed from all credit reporting bureaus.

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 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
A duplicate charge was made on my account on XX/XX/XXXX by XXXX XXXX in the amount of {$44.00}. I contacted the local XXXX store and they informed me that because it was purchased online, I needed to contact my credit card company. 
I have contacted XXXX XXXX XXXX Mastercard on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I was told to submit dispute online, which I did. Then I was given a phone number for the Purchase Dispute Dept. which I called. I was also, told I would get an email, which I did not. 
I requested today ( XX/XX/XXXX ) to speak to a manager and was told by 2 different people that a manager would return my call in 24-48 hours and then I was told 7-10 business days. 
I am not receiving consistent information and the company is not making ANY progress to the resolution.

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 2021-04-13 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: MO

Complaint narrative:
The following accounts are not mines, these accounts started to appear after my identity has been compromised. I'm demanding that these accounts not only be removed but blocked as well. The following accounts shall be removed 1. XXXX  XXXX XXXX {$15000.00} 2. XXXX {$3700.00} 3. XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: MO

Complaint narrative:
The following accounts are not mines, these accounts started to appear after my identity has been compromised. I'm demanding that these accounts not only be removed but blocked as well. The following accounts shall be removed XXXX. XXXX  XXXX XXXX {$15000.00} 2. XXXX {$3700.00} 3. XXXX {$10000.00}

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 2021-04-13 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have filed a complaint a few times through the three major credit bureau and the creditor does not show proof of the account not being paid in full. It also shows that they closed the account and had to write off {$40.00}. However, I closed the account while it was in good standing. This card was a secured account secured against my money.

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 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX : I informed TD Bank in writing that they should close my ( business ) account and I would be initiating a transfer of all of my cash out within the next week ... ... XXXX : Transferred all cash from TD Bank to an external account|Account balance : {$0.00} ... ... XXXX : TD Bank processed and rejected a bill-pay charge for the amount of XXXX as the account balance was XXXX XXXXTD Bank added two charges to the account., a {$35.00} overdraft fee to the account due to the above payment rejection. a {$20.00} maintenance fee.|Account balance : - {$55.00} ... ... XXXX : TD Bank processed and rejected the same charge ( XXXX ) ... ... XXXX : TD Bank added earned interest ( XXXX XXXX ) to the account.|Account balance : - {$49.00} ... ... XXXX : TD Bank processed nd rejected the same charge ( XXXX ) and added an additional {$35.00} overdraft fee.|Account balance : - {$84.00} ... ... XXXX : TD Bank processed and rejected the same charge ( XXXX XXXX and added an additional {$35.00} overdraft fee.|Account balance : - {$110.00} ... ... XXXX : TD Bank adds {$15.00} maintenance fee.|Account balance : - {$130.00} XXXX XXXX XXXX : XXXX Bank adds {$15.00} maintenance fee.|Account balance : - {$140.00} ... ... XXXX XXXX TD Bank submits {$140.00} bill to collections, closes account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
.on XX/XX/XXXX a check in the amount of XXXX had a stop payment put on it and it never got deposited into my checking account. I closed my account with Trust Bank / suntust bank shortly after this. My stimulus check cane in about this time and Turst bank decided to reopen my account and steal my money said I owed for a check that never was deposited, I feel this was a computer glitch because every thing was done electronically, but Trust bank doesnt want to acknowledge this fact so they can keep my money. There was supposed to be a 30 day hold and they stole it immediately. I have the stop payment receipt and screen shots of my account to proof this complaint, this bank is bad about reopening peoples accounts when they close them to seek as much fees and funding as they can. This is a very criminal and unscrupulous act.

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 2021-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My complaint is a general one after dealing with TransUnion and XXXX  today XXXX XX/XX/XXXX XXXX to remove a security freeze. I was eventually able to speak with someone in customer service with each company but only after a long and frustrating effort to get into their website. Even though I temporarily removed a freeze in XX/XX/XXXX until XX/XX/XXXX, the sites at both companies did not recognize my information including my social security number, birthdate etc. This makes me wonder if they intentionally make the process so difficult and time consuming that consumers decide not use the temporary freeze option, which is what I chose to do not wanting to go through this again. Is it possible that there is some advantage to the companies in having accounts that arent frozen? I think these companies are ripe for some anti-trust enforcement and hope under the new administration that will happen.

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 2021-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: OH

Complaint narrative:
I get an email daily stating what is coming in the mail. I received a letter with not post date on it. Inside the envelope there was a letter threatening garnishment of my wages. The envelope was also not certified. The letter was dated XX/XX/2021 but it arrived at my door on XX/XX/2021, two weeks after the date of the letter. They were wanting me to fill out extremely personal information but the letter looks suspicious. I didn't want to fill it out any information because i didn't feel comfortable by how I received the letter. This account is not listed on my credit report either. It stated it had been charged off. I don't want this to reflect on my chances of trying to purchase a home. I have been working hard on my federal loan to pull it out of default. I don't want another loan in default to prevent my chances further when I'm so close to getting stable housing for me and my kids. Please advise what I need to do. Attached you will see the email I receive daily informing my about incoming mail as well as the copy of the letter and what the envelope was like.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: FL

Complaint narrative:
I have filed a complaint a few times through the three major credit bureau and the creditor does not show proof of the account not being paid in full. It also shows that they closed the account and had to write off {$40.00}. However, I closed the account while it was in good standing. This card was a secured account secured against my money.

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 2021-04-13 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: FL

Complaint narrative:
I have filed a complaint a few times through the three major credit bureau and the creditor does not show proof of the account not being paid in full. It also shows that they closed the account and had to write off {$40.00}. However, I closed the account while it was in good standing. This card was a secured account secured against my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: FL

Complaint narrative:
I have filed a complaint a few times through the three major credit bureau and the creditor does not show proof of the account not being paid in full. It also shows that they closed the account and had to write off {$40.00}. However, I closed the account while it was in good standing. This card was a secured account secured against my money.

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 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have Banking with regions Bank for many years, suddenly when I started having issues depositing my personal money, Bank refused to send me information 's why and where is my money. XXXX, XXXX I made transfer XXXX $ from my unemployment account to my personal regions bank account over night i lost everything. with in week or so regions send me express mail to letting me know they are closing my account Regions stated how they have full rights to close my account with me and refuse to service me. i contact them i chased my lost money i had all proof of money but they refused me and Regions closed my account with out my consent.. I paid off in full My loan with then From XXXX Lean. from them show negative impact on my XXXX credit I was in Regions Bank Personaly I talk to Bankers they Made copy of Paid off loan and Bad reputation from them to my XXXX credit, when I was right with all documents they closed my account Not me. I provided them original documents from my credit from my transfer money and what balance should be. how ever this is used against me when i give them copy what they Have done. They hurt my financial freedom my credit and reputation for future financial comfort. I lost money with them they Turn Against me some how they forwarded my account to collection agencies XXXX m having issue on todays day to stabilize my financial situation Because my Identity has been stolen and compromised for so long to This Agency @ XXXX XXXX XXXX  XXXX suit XXXX XXXX Ohio XXXX XXXX Fraudulently calling me and threaten me with my own Identity. this company have no right to contacting me on behalf of stolen account. I need Help. I need help Please help me. I lost thousands of dollars during the past years by Scammers and fraudulent charges. Thanks

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 2021-04-13 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
For the past 4 months, I ; ve been trying to access my Coinbase account without any success. Coinbase states authentication problem, but after a dozen of email, they still have failed to provide any meaningful support and to dateI still dont have access to my account. This I suspect is a fraudulent company, but I still need to deal with them since the retain funding of my crypocurency account. I am kindly requesting your assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax along with the help of XXXX XXXX has improperly reported information on my credit report for years and broke the law. They have admitted this to me in writing and I demand remedy from XXXX  for the improper use and damages. I have attached a affidavit of truth, invoice, legal notice and the exhibit proving these proof and admission, and the same information has been sent certified mail green receipt to the company. I just want them to do right by me as a consumer and the law.

Company response to consumer: Closed with explanation