vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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: TX

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
Hi! I received two letters from Alpine Credit Inc..t/n/f XXXX XXXX XXXX XXXX  recently. Both letters have my incorrect address number and both say I owe a different amount to XXXX XXXX XXXX. No address date is provided as when these two letters were written. 

I was in the hospital last year for an infection, and after checking with my insurance provider, XXXX XXXX, I do not have any outstanding claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have automatic payments set up with my Capital One Credit Card. I was under the assumption that it worked effortlessly as I have never had a problem in my almost 3 years of auto payments. In XXXX I was docked with a late payment even though I never received a bill or notice of being late. XXXX and XXXX both came out regularly as well. I believe the system to have failed and without notifying me of this failures it reflected on my Credit Report causing my score to drop because of this new found late payment. I once again had no knowledge of this late payment as I had never received any kind of notification or bill showing a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I sent a cease and desist letter to American Express on XX/XX/XXXX asking that ALL communication be via mail. And that they were to stop calling my cellphone and especially my work phone. 

On Friday XX/XX/XXXX at XXXX I received a call at work from American Express number ( XXXX ) XXXX. The cease and desist letter has not expired or anything, so I am unclear why after a year they feel they can reach out to me via my work telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
There were XXXX $ in fraudulent XXXX XXXX charges that went through in California when I live in NC. The bank denied my fraud claim And blamed it on XXXX  while also repeatedly hanging up on me and being rude. The bank has stolen XXXX $ from me and is negligent in there business operations.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my credit profile I realized incorrect spelling and addresses in the personal section of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NJ

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NJ

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XXXX XXXX I requested debt validation from trans world Systems Inc. On XXXX XXXX Transworld Systems Inc responded to the debt validation with a statement disclosing my diagnosis which is a HIPAA violation as I did not authorize for my medical records to be released to Transworld Systems . What I requested was a copy of the contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
In XXXX of XXXX I submitted a check to PNC Bank for a balance transfer of {$5000.00}. 
I thought the promotion was until XXXX of XXXX, however it ended in XXXX of XXXX. 
The promotion included a 3 % transfer fee which would have been a {$150.00} fee. 

PNC did not notify me that the check was no longer valid because the promotion ended. 
Instead, they transferred the {$5000.00} and charged me a cash advance fee of {$250.00}. 

I was surprised they went ahead and did that without notifying me, and wanted to know why the check was processed if the check/promotion was no longer eligible. I was told that was their policy. 

I was told the fees and interest charges could be " stopped '' if I paid the full balance on the card, but I would still have to pay the {$250.00} fee. Their policy did not allow for any other remedy. 

I advised I would file a complaint, and to close my account and to remove my information from their databases. I was a customer in good standing, excellent credit rating, and never paid a minimum balance and always paid on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I became Aware of a problem pertaining a student loan that I havent ever applied for and I contacted the school which is XXXX on serval occasions was advised to by a supervisor to ask school to cancel the Promissory note which was never done I reported this to the FTC and I have been sending in documents with My signatures as well as talking with a supervisor name XXXX XXXX on XX/XX/XXXX recent documents that was asked of me and then was ask for the report that I made to the FTC and receive a notice of denial this isnt my loan Ive never been in California nor am I aware of this issue which has been a hardship on my life Im XXXX and have been since XXXX I had a XXXX a Veteran with XXXX XXXX I would really appreciate if this would be taken off of my credit in the name of Jesus. Please help me trying to do something for my family and this is truly in my way I believe now whoever took out this student loan the school knows the person XXXX is the school I believe financed through XXXX in the amounts of & XXXX, XXXX and {$2.00}, XXXX which is truly Affecting my credit in the name of Jesus please help me remove these items off of my credit

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 2022-04-01 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act ... the following accounts violated my rights... 

-XXXX XXXX XXXX ( {$19000.00} ) -XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ) XXXX XXXX  XXXX XXXX XXXX XXXX {$8300.00} ) -XXXX XXXX # XXXX XXXX15USC 1681 Sec 602A states I have a right to privacy ....

-15USC 1681 Sec604A Sec 2 states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I was unemployed during Covid however I spoke with BSI financial that we agreed on making payments they told me they will send me packet to sign which I did not receive then though I started going back to my job since XX/XX/XXXX my hours were but I was making lot less then during Covid time my husband also got XXXX, but he recovered, o was the only person working I didnt ah w enough money to pay bills and fees my family I was going through XXXX I went to see a doctor an s they have me XXXX XXXX my helath condition was bad then back howm my mom got Covid and she was hospitalized I rushed to go back home as my family sent me plane ticket during that time XXXX XXXX XXXX XXXX called and I explained her my situation she assured me once I get back she will call me and I can start making payments I came back and on I tried calling her an sNSI they kept me on hold and since then they did not call me back I was never got hold of XXXX I kept emailing and calling her and bsi customer service that I want to start making payments instead of responding to me they sent me letter for fire closure they didnt try to resolve my loan issue I dont want my house to go on foreclosure Im ready to pay I have no idea where to go I never got this kind of issue I have been home owner since XXXX and I was nit even late on single payment this is the new house o got as I sold my old house due to divorce and I could not afford big house Ive been struggling with divorce and nit Covid please help me and have my Morgatge company resolve my issue, o could nit get hold of my Mortgage instead they just keep sending letter but never get to talk to real person Im on FHA loan I should get help from them too please help me Im desperate I cant lose this house. This is the last hope I have. Im trying to work and survive barely getting back on fy feet and this situation is again stressing me out. One of the worst morgage I had to deal with so please have them call me and resolve this issue. Thank you all not understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon reviewing my credit profile I realized incorrect spelling and addresses in the personal section of my credit profile.

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 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ALLIANT CREDIT UNION
State: ND

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX  ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Alliant Credit Union services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My XXXX and PIN was stolen and the thief was able to complete two XXXX transactions totaling {$1000.00}, taking money out of my checking account. TD Bank denied my initial fraud claim because face ID was used, according to the app. But the thief could have changed the settings to recognize his face. I have filed a police report and submitted it and a second fraud report to TD.

I am filing this complaint because TD Bank is refusing to return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Servicing Group LLC
State: AZ

Complaint narrative:
XXXX debt collectors keeps calling and texting me. I keep blocking the calls. I refuse to give them any personal information by talking to them.If they dont have the information then its not legitimate. I see many complaints about these people online. I have never received any kind of billing from them. I watch my credit all the time so i am assuming its XXXX XXXX debt collecting on a debt that has passed statute of limitations. I want them to stop and desist I have no debt with them.

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 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2022, I had mailed the payment in. The account was not credited until I called and reported my missing payment. After I called about the missing payment the credit was applied to my account. I received another bill a few days later and sent in another payment. The payment was delivered with certified mail and a return receipt. I tried using my card to make a payment on something and the card was declined. I called today and was informed that the account was closed. They would not provide me with a reason why the account was closed. I also inquired about the payment that was delivered and not applied to my account and they told me they did not receive it. I told the agent they did because I have the return receipt card in my hand while it was delivered today. I requested my payment be returned and they would not comply. They also do not comply with federal laws. They are withholding my payment and closed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act ... the following accounts violated my rights... 

-XXXX XXXX XXXX  ( {$19000.00} ) XXXX # XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ) -XXXX XXXX  XXXX XXXX XXXX XXXX {$8300.00} ) XXXX XXXX  # XXXX -15USC 1681 Sec 602A states I have a right to privacy ....

-15USC 1681 Sec604A Sec 2 states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act ... the following accounts violated my rights... 

-XXXX XXXX XXXX  ( {$19000.00} ) XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} ) XXXX XXXX # XXXX XXXX15USC 1681 Sec 602A states I have a right to privacy ....

-15USC 1681 Sec604A Sec 2 states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation