vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/2021, while using my XXXX computer I received an Popup firewall alert notification from XXXX that locked my computer with instructions to call XXXX Tech Support @ XXXX. I called the number and spoke with tech support representative XXXX XXXX who created a XXXX # - XXXX. I was informed that this ticket will be forwarded to TCF Bank Fraud Department. 

XXXX minutes later I received a call from XXXX ( TCF ) The person introduced himself as TCF Fraud Department ( XXXX XXXX ). I was told that there were two wire transfers against my savings account. I was sent a document with information on it and was told to take to bank so the wire transfer can be captured by TCF and then place back into a new TCF savings account for me. 

I followed instructions on the two wire transfers and received call back from this person on XX/XX/XXXX saying that TCF was able to recover my money and that they will send through postal mail the new savings account information where the money was returned. 

I waited a few days to receive postal mail from TCF and since I have not received anything, I drove the the TCF Bank location to speak with a manager to check on the status of receiving information on new savings account numbers.

The manager informed me that TCF had not contacted me about my savings account, so I informed the manager what I have experienced on everything that has happened. The manager said they will start an investigation on what happened to my account. I had been mislead by false pretense of someone falsely representing TCF bank.

TCF merged with Huntington Bank, and there has not been any resolution or recovery of my savings. 

This is why I'm filing a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26 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: OH

Complaint narrative:
The following account has been in dispute for over 30 days. I opened this dispute back a few months ago. 

XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$100.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification UTILITIES Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI  XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc.
State: TX

Complaint narrative:
I called the company, Meade & Associates to let them know that I am not the " XXXX XXXX ' who incurred a debt of {$200.00}. with XXXX XXXX XXXX XXXX in XXXX, Michigan. Indeed, I have never been to XXXX, Michigan in all my life. However, for some strange reason, the XXXX agent to whom I was speaking did not seem to care even when I informed her that I have been in XXXX, Texas during the time the person with a similar name was receiving medical care in XXXX. The agent eventually hang up the phone on me.

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 2021-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint for myself without the use of any third party. This is a response to complaint XXXX. My complaint is that " Wells Fargo '' has grossly neglected their civil duty to I, the consumer, by not providing proper disclosures and refusing to verify an alleged debt they are collecting on pursuant to federal law 15 usc 1692g. " Wells Fargo '' has sold my non-public information without any disclosures, and have also seized my property. I have evidence of all of these damages which can be found in my exhibits. I have also made all of these claims under an affidavit of truth, under penalty of perjury. " A complaint alleging negligence must contain the following elements : ( 1 ) That the defendant was under a duty to protect the plaintiff from injury, ( 2 ) that the defendant breach that duty, ( 3 ) that the plaintiff suffered actual injury or loss, and ( 4 ) that the loss or injury proximately resulted from the defendant 's breach of the duty, '' [ XXXX XXXX XXXX XXXX XXXX, 898 F. Supp. 2d 912, 918 n.4 ( D. Md. 2012 ) ( quoting XXXX v. XXXX XXXX XXXX, 916 A.2d 257, 270-71 ( Md. 2007 ). " Wells Fargo '' owes me a duty because " banks owe a duty of 'ordinary care ' in all banking transactions wherein a bank wrongfully disburses funds. '' Opp'n 2, ECF No. 16-2 ( citing Md. Code Ann., Com. Law 3-103 ). I have, and presented, evidence that " Wells Fargo '' has breached such duty by the reckless use of my private information and violations of FDCPA, TILA, and FCRA. I have evidence that I have suffered a loss of my property, an injury of my reputation, character, and equity. I have, and presented evidence that all of these damages are arising from the fraudulent behavior from " Wells Fargo ''. I also now have proof, which can be found from " Wells Fargo '' last correspondence from XX/XX/XXXX2021, that " Wells Fargo '' is intentionally, grossly neglecting my complaint in the face of legal evidence which can be found in all of my exhibits, when they state " You expressed concerns regarding the validity of your loan. Since no new information was received, our position remains unchanged. '' It is a fact, that " Wells Fargo '' has received new information, and have yet to properly respond to the first. " Wells Fargo '' has been addressed in the form of an affidavit ; any response not in such form may result in a default judgement. I am willing to settle this dispute. Nonetheless, any more false information from " Wells Fargo '' will lead to me to pursue litigation against " Wells Fargo '' in the proper federal court for multiple violations of my federally protected rights in the face of evidence.

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 2021-11-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed inaccurate information reporting from a company named " XXXX XXXX XXXX ( XXXX  ) '' for {$280.00} and " XXXX XXXX XXXX '' for {$880.00}, every 35 days for SEVEN ( 7 ) months consistently. I have complained that about these collection companies with any help.

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 2021-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Carvana Group, LLC
State: WI

Complaint narrative:
Lenders made Illegal Discriminatory Markup and refused to send a FCRA Notice stating they only took a soft credit report and don't have to send me a FRCA. 

As my quoted down-payment is o {$13000.00} but its was advertised at a {$2000.00}. 

My markup is due to discrimination and retaliation against me. 

I spoken with Carvana as their representative XXXX number at ( XXXX ) XXXX, she told me that I can not speak to a management because they work from home and I have to walt for XXXX days before I can have make another application. 

She indicated they took a soft pull that implied they don't have to follow FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
PROFESSIONAL DEBT MEDIATION INC. 
ORIGINAL CREDITOR : XXXX THIS DEBT IS SHOWING IN MY CREDIT REPORT IN THE AMOUNT OF {$4500.00} AFTER CONTACTING THE ORIGINAL CREDITOR. 
THEY STATED THAT THIS IS FOR A BROKEN APARTMENT LEASE. 
OPENED ON XX/XX/XXXX2017. 

I HAVE NEVER LIVED IN AN APARTMENT. 
I HAVE LIVED IN MY CURRENT HOME SINCE XXXX OF 2000. 
THIS ACCOUNT WAS FRAUDENTLY OPENED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: DE

Complaint narrative:
XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: DE

Complaint narrative:
XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY

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 2021-11-26 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: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY

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 2021-11-26 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: NV

Complaint narrative:
There are accounts listed on my credit report that I do not recognize. I need them removed immediately. Thank you.

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 2021-11-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have repeatedly disputed a fraudulent account opened by someone stealing my identity through Experian. The original creditor is a company called XXXX. I have tried to work with the lender directly and has been unsuccessful. Ontop of that the information to contact them on my report is incorrect and I have to XXXX contact info. 

I have requested Experian BLOCK this information from my report as it appears the creditor is not properly investigating this identity theft. I have provided all required documents to include Police report, FTC Identity Theft report and my identification. I have uploaded these documents electronically and via US mail and Experian still refuses to block the information. They allow this lender to report this fraudulent account and update it monthly with charge offs to destroy my credit. They do not follow proper laws in place for victims of Identity Theft and make it impossible for the victims to move on with their lives. 

I have the same issue with another account through a company called XXXX. Again, someone I have never done business with and is most definitely a fraudulent account opened by someone who stole my identity. I again have reported the matter to the local police and uploaded all required documents like my id, police report, and FTC report. 

My credit is fairly decent and these accounts are not very expensive. It would be very easy to pay a few dollars to clear it up, however these accounts truely are fraudulent. I do not see why I should pay for something that I did not do. On top of that I have had an Extended fraud alert on all of my credit reports for years. With this fraud alert, no new accounts should have ever been opened without the companies following the law and verifing my identity and contacting me with the information listed in the fraud alert.

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 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
I have attempted 3 times to close my XXXX  credit card issued by First Financial Bank ( XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX ). After 2 requests to close this account, I called on XX/XX/XXXXXXXX  and spoke with a representative named XXXX, who provided me with a confirmation number indicating that my account was closed. I received mail in XXXX XXXX  suggesting that this account was still open, at which time I called and was informed that the account is still open. I informed the representative XXXX XXXX XXXX representative # XXXX ) that I have tried to close this account many times and that keeping an account open after a customer requests that it be closed is a predatory practice. XXXX verbally confirmed that the account was closed, however, I received this same verbal confirmation during my prior calls. He was unable to provide me any written confirmation that the account had been closed, which I requested. He attempted to transfer me to an " account specialist '', however, this transfer simply took me back to the general call center queue. I continued to try to reach a specialist or supervisor and have been unable to do so.

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 2021-11-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
This Debt was never my Debt, My ex-roommate obtained this loan. 

I explained this to the XXXX XXXX who was contacting me telling me first he was a lawyer, then he said he was going to file criminal charges for wire fraud if it was not paid. He then told me he would ruin my credit if it was not paid. 

So I continued to try and tell him this was not my debt and have been telling him since this all started this was not my debt. 

So this year they hit my personal checking account for this debt and both of my covid19 relief checks were taken. I found out today that the covid checks were not supposed to be taken. the IRS got Towers loans info to investigate. 

But the reason I am writing this dispute is that I keep contacting tower loan headquarters in XXXX about the covid 19 check and the fact they are reporting this wrong. 

So my account was drafted the full amount, but, they have been reporting to all 3 credit bureaus an outstanding balance, wasn't marked as fraudulent, and just recently it was marked from being unpaid with a balance to now it's marked as charged-off with a balance. 

So after talking to an attorney he asked if I had filed this with the CFPB and I told him no so he said I should. He is looking at the fact this is being reported as a charge off now but it's paid in full. 

So depending on what he charges I am looking at taking this to court. I have also filed a complaint with the attorney generals office about him being an attorney and ruining my credit so I am sure they will be sending the CFPB something soon on him aswell

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 2021-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CollectPark, LLC
State: TN

Complaint narrative:
I accidentally parked my car in the wrong ( unmarked ) lot on XX/XX/21. Within 5 minutes I realized I was in the wrong spot. I came back to move my car but was already booted. When I explained the mistake to the attendant ( who I did not see when I parked ) she was unmoved and made me pay her on the spot {$80.00} before removing boot. Payment proof attached. The parking company XXXX ( XXXXXXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX, TN XXXX hired Collect Park out of XXXX, Az to further harass me, and to incredibly try to get me to pay an ADDITIONAL {$60.00} Clearly an illegal and abusive practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
It appears that information on my report is being reported inaccurately. I have 19 accounts on my report in good standing and all over a year old. I paid off my car loan with XXXX XXXX XXXX, and it is no longer being reported on my report, yet there are nine paid accounts shown as potentially negative. It appears there is one collection account that I have disputed. I certainly do not understand the credit scoring process as it relates to my credit report. It seems that I am not receiving the correct scoring that should be a much higher score. I have been in good standing for over three years or more, and my score is fair. I don't have a lot of inquiries. I explain to the agency the information that I have can verify something on my report is inaccurate, and they still don't update the information correctly. Yet, they take the word of the creditor. It appears to me that there is a slight bias going on here. I do not like to call the race card, but I am concerned when I look at my report and have never been late, and I prove it, and it still isn't removed. Enough is enough. I am demanding that this matter be resolved immediately.

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 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Please investigate the legitimacy and operational integrity of both the BB & T Bank, XXXX XXXX XXXX XXXX, NC XXXX Tel. XXXX XXXX and its subsidiary " XXXX BANK, XXXX XXXX XXXX XXXX, NC XXXX regarding fraudulent account -- -- -- -- -- XXXX : XXXX. 
These entities failed to follow Authentication protocols regarding said account subsequent to accepting and approving an online " Business Value Checking Account '' application of a person ( s ) claiming to be myself. Please contact me if more information is needed. 
cc. FTC, US Postal Inspection Service. 
Wrt stated banking institutions. Attempted telephone resolutions to close the account have failed in part being consistently disconnected. Ambiguous assistance and follow thru reconciliation.

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