vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-16 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: NC

Complaint narrative:
To whom it may concern the credit bureau is reporting my balance on my account in correct. Most of the accounts have been sold to a collection company. In return the collection company is charging more fees. This is not right. So I want the credit bureau to furnish me the exact date the account was open and the last day payment was made. For instance XXXX has my charge of amount as {$35000.00} and then they have balance amount {$25000.00} so I want to know what happened to the payment insurance, Loan insurance And the Auto Receipt. Each month I have continue to lose anywhere between thirty or forty points and the credit bureau cant tell me why. I started with a XXXX score I was very excited I thought I was on my way to a XXXX score but all of sudden my score began to crumble. However I know the credit bureau is not in business to help the consumer. Thier only job is to make money of the consumer.

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 2021-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
I never had a XXXX phone in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies XXXX XXXX Equifax, XXXX XXXX and the Creditors ( XXXX XXXX XXXX XXXX ), XXXX XXXX  XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: E*TRADE BANK
State: TX

Complaint narrative:
On XX/XX/2021, I requested to have a recent checking account closed. ETrades customer service representative provide incorrect procedures and processes regarding their checking account product. From day one, there has been one issue after another and resolving the issue is like pulling teeth. The representative repeat the issue several times without any coherent resolution. 
On XX/XX/2021, I received an email stating they could not close my account because of a negative balance of {$510000.00}. This is to cause further issue with closing the account. Although theres never been over XXXX in that checking opened 2-3 weeks prior, I reviewed the account to see there had been any identity theft on the account. This further my concerns that means there isnt any safeguards in the Financial Institution that is safe doe any customer. 
My concern with the closure of the account is the negative balance stated is my the checking number. THIS IS REALLY SCARY! Tells me there is dishonest and crooks working at E-Trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMERCE BANK
State: AR

Complaint narrative:
I CO-SIGNED ON SAID ACCOUNT WITH XXXX XXXX AND SHE FILE CHAPTER XXXX  BANKRUPY AND DEBT TO BE DISCHARGED. MY LAWYER STATED THE XXXX SHOULD XXXX TO XXXX AND TAKE MY NAME OFF BILLING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XXXX of 2021, XXXX  removed the XXXX  bankruptcies that were reporting on my credit file due to not being to able to verify it. A letter was sent to the court asking to please provide the procedure they use to verify records with the credit bureaus, the clerk of the court replied that they do not report or verify any information to any thirds party or credit bureaus. This letter was sent to all XXXX  credit bureaus, XXXX removed the XXXX public records but transunion and XXXX did not, it is very clear the court does not report to them or any credit bureaus, so their original response stating that the item was verified was either an error or a lie. Either way their reporting requirements do not comply with the FCRa law. If XXXX  removed it because they could not verify the information, how did transunion and XXXX do it? Please provide the documents or information with the person you spoke to or used to verify

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 2021-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
Hello, Account # : XXXX A payment will be scheduled to be taken out on XX/XX/2021 which will bring the account current. This is a forewarning that if AES does not reflect the payment being taken out on that date and a false report to the Credit Bureaus is received, AES/PHEAA will face consequences. In addition to the level of fraudulent behavior that has been occurring from charging Interest incorrectly, to recording borrowers over the phone without their express permission, AES/PHEAA has also in the past incorrectly reported balances and statuses of the account to the Credit Bureaus, which I intend to defend the legitimacy of with irrefutable proof. 

AES/PHEAA has also intentionally delayed Loan Forgiveness in certain situations for ulterior motives to gain profits. 

The following activity has been made due to these unfair business practices. 
-The District Attorney 's office has been contacted. 
-I 've made contact with New York and Massachusetts regarding the violations which were alleged, and ongoing documentation is being gathered to build a potential lawsuit -A payment in the amount of {$380.00} will be made/scheduled on XX/XX/2021. If at any time after XX/XX/2021, AES/PHEAA decides to report that the account is 30+ days late on that date, this will be additional behavior which will be added to the list of incriminating points within the complaint, and XXXX XXXX XXXX XXXX and the CFPB will be contacted immediately reporting the false allegation which will force auditors to review your Systems. 
-My attorneys will be contacting each company individually by phone prior to filing the complaint with the court. 

AES/PHEAA XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AES/PHEAA XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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:
I have disputed these accounts, filed a police report, and submitted an FTC complaint in reference to my case. I recently attempted to order cable last month and was denied and told I would need a deposit if I wanted to move forward as a result of my credit rating. Upon reviewing my credit report in XX/XX/XXXX, I noticed 7  separate fraudulent accounts ranging from credit accounts to utility bills. I have been successful in removing 3 items myself, but there are 4 accounts that still show up on my report that do not belong to me. The accounts in question are as follow : XXXX XXXX account # XXXX, date opened : XX/XX/XXXX open balance : {$3100.00} ; XXXX XXXX account # XXXX, date opened : XX/XX/XXXX, open balance : {$290.00} ; XXXX. XXXX, XXXX account # : XXXX, date opened : XX/XX/XXXX, open balance : {$200.00} ; XXXX XXXX Bank account # : XXXX, date opened : XX/XX/XXXX, open balance : {$270.00}. Clearly these accounts are all over the place, nowhere in my real credit file do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of the companies listed. Nor have I allowed anyone to use my information to acquire credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be removed from my credit report. I have acquired a police report and submitted it with this complaint. I have also included a copy of my ID, social security card and an FTC affidavit as required in F.C.R.A Section 605B.

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 2021-05-16 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:
I have disputed these accounts, filed a police report, and submitted an FTC complaint in reference to my case. I recently attempted to order cable last month and was denied and told I would need a deposit if I wanted to move forward as a result of my credit rating. Upon reviewing my credit report in XX/XX/XXXX, I noticed 7 separate fraudulent accounts ranging from credit accounts to utility bills. I have been successful in removing 3 items myself, but there are 4 accounts that still show up on my report that do not belong to me. The accounts in question are as follow : XXXX  XXXX account # XXXX, date opened : XX/XX/XXXX open balance : {$3100.00} ; XXXX XXXX account # XXXX, date opened : XX/XX/XXXX, open balance : {$290.00} ; XXXX. XXXX, XXXX account # : XXXXXXX, date opened : XX/XX/XXXX, open balance : {$200.00} ; XXXX XXXX XXXX account # : XXXXXXXXX, date opened : XX/XX/XXXX, open balance : {$270.00}. Clearly these accounts are all over the place, nowhere in my real credit file do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of the companies listed. Nor have I allowed anyone to use my information to acquire credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be removed from my credit report. I have acquired a police report and submitted it with this complaint. I have also included a copy of my ID, social security card and an FTC affidavit as required in F.C.R.A Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Back in XXXX of 2020, XXXX removed the 2 bankruptcies that were reporting on my credit file due to not being to able to verify it. A letter was sent to the court asking to please provide the procedure they use to verify records with the credit bureaus, the clerk of the court replied that they do not report or verify any information to any thirds party or credit bureaus. This letter was sent to all 3 credit bureaus, XXXX removed the 2 public records but XXXX and experian did not, it is very clear the court does not report to them or any credit bureaus, so their original response stating that the item was verified was either an error or a lie. Either way their reporting requirements do not comply with the FCRa law. If XXXX removed it because they could not verify the information, how did XXXX and experian do it? Please provide the documents or information with the person you spoke to or used to verify

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 2021-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021, i used a TD bank atm at XXXX XXXX NY to deposit my cash. I had a total of {$50.00} XXXX and {$20.00} XXXX to make my total of {$4100.00}. I had counted my cash prior to getting to the bank. I used the first atm and placed more than the required number of bills that included 50s and 20s, the atm took some of the bills which were mostly 50s, and returned very few 50s and 20s. Without noticing the error, i told it to deposit the first set of bills and tried to deposit the rest however, the machine wouldnt take the rest of the cash. That deposit came to {$1000.00}. I did a final deposit on the next machine only to realize my funds were incomplete which came to a total of {$690.00} and {$900.00} respectfully. Which means i was missing {$1500.00}. Then it occured to me that the first deposit stated {$1000.00} which should have been {$2500.00} because it had taken only the {$50.00} bills and should not have been {$1000.00}. i ran into the bank after the atm error which could mean the ATM counted my {$50.00} bills as {$20.00} bills. They filed a claim and told me to wait 5 buiness days. I called on the 5th business day and they said its 10 business days now. I called on the 10th business day and i was told the claim was not in my favour. I ran to the bank to speak with the manager. He looked at the claim and said the initial claim was done incorrectly. He stated they count the overages every friday and the claim stated overages counted on XX/XX/XXXX when it should have been counted on XX/XX/XXXX. He stated he was going to look into this and get back to me. He called me back 3 days later on XX/XX/XXXX and stated their account did not have any overages for the week of the XX/XX/XXXX and he had his atm tech open the machine to see if there were funds stuck there but there wasnt so they would be closing my claims. I kept insisting that i know my total funds and its still missing from their machine. He stated he looked at the camera and saw the atm gave me back some funds which i deposited in the next machine. And i told him, thats been true and in my inital statement. The first ATM gave me back some bills and was refusing to take the rest of the bills multiple times so i had to use the other ATM. Whoever fixed the issue from the first atm must know the atm machine wasnt taking any more cash. He said the bank can no longer do anything about this, and would be closing my second claim and ended the call. My total funds is still missing {$1500.00} and i dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30dayXXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: UT

Complaint narrative:
I have 3 collections accounts. All from XXXX XXXX XXXX XXXX. The account should have been billed to XXXX. I was on XXXX XXXX when they occurred and would have been paid. I have spoke with the collection companies and the XXXX XXXX and they both said it was to late for them to bill and it wasn't billed in the first place. I have tried to dispute on my Transunion Credit Report and they state that the information is correct even when it should have been paid by insurance. It know states that I owe XXXX in collections to XXXX XXXX. They have all three accounts. I just want this resolved I shouldn't be punished because the hospital didn't do their jobs in billing my insurance that they new I had because I filled out the 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 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank XXXX XXXX XXXX XXXX, TX XXXX on statement closing cycle XX/XX/XXXX billed me for finance and late fees because they claimed my payment arrived late. Since I have even had the account my payment history is impeccable and I mail payments within the few days after receipt of their statements. In recent months their statements arrive late. Perhaps due to the weather problems in Texas or their own internal defects or errors. After speaking with 4 representatives they ( smarmily XXXX agreed to credit me for the fees. I paid the full amount they claimed was due by XX/XX/XXXX and this payment was printed and mailed on XX/XX/XXXX ( I remember a Tuesday ) and dropped in a United States Post Office center the same day. 
The new issue : On XX/XX/XXXX I received a statement that says it was cut on XX/XX/XXXX with another late fee and interest. Clearly they are having problems because according to their timing and mailing it is taking them 8 days from the date they claim they cut the statement to receipt in New York, USPS states the mail from XXXX to NY time of a letter is about 4 to 5 days. The check I mailed on XX/XX/XXXX was cashed by Comenity on XX/XX/XXXX, Comenity states their due date was XX/XX/XXXX and they cut off their statements on XX/XX/XXXX as the closing date as printed on their statement. Its not possible for my payment to have been late again unless they are having internal process problems or weather is still affecting their operations ( one manager I spoke to told me " due to covid we are short handed, its possible that is causing a delay, we have had freezing weather that might have cuase the mail to be delayed ) None of these issues are the consumers problems and I want Comenity to issue me a full refund for late fees and interest then close my account due to the " Banks inability to manage their operations errors '' and correct my credit report. 

Then I suggest CFPB launch an investigation into what appears to be a regular practice or pattern of creating a payment receipt delay in their structure that causes people to pay interest and fees that would otherwise not be due. I would like CFPB to ask Comenity to send a mailing to all its customers who paid fees and interest in the past year advising them that if they have experienced errors they feel need to be investigated they should act upon their rights to do so. 

This bank - Comenity is a takeover and appears to be using the customer base they acquired in an unfair an unscrupulous way for gain. I want my report also elevated to the elected official board who oversees CFPB for their knowledge in case they have seen other abuses like this from Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: NY

Complaint narrative:
These in injuries are unauthorized I have no knowledge of them. I have identity theft case going on as I text this message. My identity 5th case started in the XX/XX/XXXX. 
The police report number is XXXX The officers name : XXXX XXXX XXXX : XXXX XXXX police department XXXX, ny phone number : XXXX. 

On the specific dates below are unauthorized Inquiries. Someone is still using my name there trying to get a XXXX  car. Pardon my French. But these Inquiries are hurting me when I try to get funding. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation