vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MN

Complaint narrative:
Me XXXX XXXX was flagged for fraud on XX/XX/XXXX and blocked from use. I called XXXXnComm and was asked to email a copy of the card, card purchase receipt, my driver 's license, and proof of address. I sent all this via email on XX/XX/XXXX, and again on XX/XX/XXXX when they requested it a second time. Since then, I have not been able to use the card, and have received no further information from InComm unless I proactively call. 

My latest two calls were XX/XX/XXXX. Spoke to Manager XXXX who asked for more proof of address verification. I resent all the other files mentioned above, along with two more photos of IRS and State of MN documents showing my address. He said it would be 24-28 hours and a new card would be mailed. 

I called again on XX/XX/XXXX. Spent 45 minutes on the phone, spoke to another manager who said she would escalate the case ( again ) and said it would be another week. 

At this point, they've had {$470.00} of my money for nearly two months with no proactive measures on their end, and no resolution. I have done everything they've asked, three times now. My InComm case # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Avadyne Health Holdings, Inc
State: NY

Complaint narrative:
HR account attempting to collect on exempt funds XXXX  was told XXXX  months ago to bill Medicaid for the balance of the copay that is due they said they will pay all pass due bills yet they sent it to collections knowing that I am exempt from debt col ; collection MEDICAID WILL PAY PASS DUE BILLS THEY MUST FILE CLAIM WITH MEDICAID

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
They said they were closing my account the last time i spoke to them two weeks ago and still nothing. They are playing around to make money off my transfer. They already know that transfer was not Fradulant. Thats why they are not communicating with me. The bank in XXXX XXXX, CA has already cleared that transfer so they have nothing to loose but gain off their transfer. Wicked

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
I been struggling for over a year now with this company that keeps making billing errors, ignoring my certified letters and refuse to communicate with me properly on paper! 
See all the letters submitted attached. 

They are showing reversal of payments on statements then reapply while I never received no reversals ( I questioned their accounting methods many times ), they received a draft payment on XX/XX/2023 Before the due date and never applied it ( proof of usps reception ) yet sending me collection letters for their incompetency. 

Letters of disputes sent : XXXX XXXX - UNANSWERED AS OF TODAY XX/XX/2023 - UNANSWERED AS OF TODAY XX/XX/2023 - UNANSWERED AS OF TODAY I put them on notice for over 3 months now that if I didn't received updated statement and an answer I would start filling a claim to CFPB and initiate Arbitration claim. 

I follow the law, the regulations and they keep violating my rights, commit billing errors and questionable methods of accounting, still no proof of contract and no valuable consideration to start with! I am really frustrated of the time wasted doing all this dispute letters to prove my good faith and good standing.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I called your department after I purchased a credit report with XXXX on XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE CLOSED, COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : 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 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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I called your department after I purchased a credit report with XXXX on XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE CLOSED, COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Deceptive Collateral Protection Insurance Practices XXXX. The website was down and being renovated during the pandemic and since has been restored and upgraded. 
XXXX. While looking at the balance sheet on the new web access the deception is on the balance sheet where there is a curious line on the statement that reads ... '' DISCOUNT ADDED ''. There is no other description with regard to these words that appear positive in nature. We had no way of knowing at that time that this was collateral protection insurance. Due to the ineptitude of the website and their failure to communicate with us fairly they successfully hid what they were doing. We didn't find out until a year later when we were doing our taxes. At that point there is no remedy to reverse these charges which are deceptive, incomprehensive, and excessive! They provided no correspondence on how they calculated such an exorbitant amount. When we contacted them for an explanation they actually threatened to repossess our vehicle even through we are not late on any payments.

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 2023-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a savings/checking account with TRUIST. The Bank charges a XXXX XXXX  monthly maintenance fee when the savings account balance is below a certain balance. ( {$5000.00} ) I contacted Customer Service and notified them that they had been debiting the account improperly when the balance was high. I, the consumer had to provide them with the dates of the debits and the balances. Although I identified more than a dozen instances of improper charges the claimed to have an internal limit on what they could refund for these improper debits. They admitted the error, refunded just {$75.00} ( 5 months ) and claimed no liability for more charges dating back to at least XX/XX/XX/XX/2022and beyond. 
On a second call to their service line they admitted the error and said, sorry, {$75.00} is all we can do. 
One can only imagine how many consumers are unaware of this improper fee collection.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
just got my report and I think it's wrong! 
I was told that I have the right to have an investigation carried out. Credit reporting laws ensure that agencies report only 100 % accurate credit information. must be taken every step to ensure that the information reported is completely accurate and correct. Therefore, it is necessary to re-investigate the following information. Please. make sure everything on my credit report is correct and accurate, as these unknown negative accounts are not reported to me by other credit bureaus like XXXX and XXXX and therefore should be removed from my credit report. 

I have also already made a report with the CFPB Agency demanding that they verify these amounts and remove them from my credit history. 

I demand that these accounts be removed immediately or I will request ligation due to the stress it caused me. My information was also affected by the XXXX data breach and may have fallen into the hands of the wrong person, make sure that all the disputed elements below have my legitimate signature, my documents verified and authenticated with my perfect signature. 

below are the accounts you should delete. 

Account name : XXXX XXXX XXXX Account number : XXXX Sincerely.

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Examine the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, but they are erroneously reporting me as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Good morning, I was scammed by trickery. Knowing I had a XXXX  XXXX on the way a need for a bigger apartment was needed so I went online to XXXX to get an apartment. Saw the listing in the hyper link attached below reached out inquiring about the unit. The scammer who potrayed himself as the leasing agent " XXXX XXXX '' reached out to me. Explained my situation, to which he sent me application questions answered sent them back and said I was approved. Excited I asked what's move in cost, the usual info needed to move he sent me a leasing agreement read over it signed and sent ir back on XX/XX/XXXX a payment totaling to {$3300.00} was sent XXXX from my capital one account XXXX from XXXX via XXXX and XXXX from XXXX XXXXp via XXXX. More time passed questions were being asked by me about the unit all over text and phone calls can be shown with screenshots. XX/XX/XXXX came to which " XXXX '' reached out saying I needed to pay an additional XXXX ( Last month rent and a prorated amount ) to move in on th XXXX the money was sent through XXXX via my XXXX account after paying everything a receipt/copy of the " leasing '' agreement was emailed to me again under the impression I got a new apt to house my family a XXXX  was rented for the XXXX after days of waiting, checking in to make sure everything was still good the XXXX of XXXX arrived that morning I called to no answer around XXXX only to recieve a text message saying the keys will be picked up soon as the day pass no one calls to inform the unit is ready after I've already packed my XXXX  around XXXX/XXXX XXXX I drove the XXXX to the property to see what was going on, once there confused to where the leasing agent was I knocked on a tenants door to which the situation was explain and asked if he knew " XXXX '' he responded no, but informed of a man named XXXX XXXX ( XXXX XXXX who is the actual property owner once contact was made he told me that not only the unit wasn't available but he's never heard of someone name " XXXX XXXX '' that's when everything made sense, that I was a victim of a scam contact was also made with the person who received the money via XXXX, XXXX and XXXX XXXX to which the person played ignorant saying no money was received on his side though his XXXX XXXX is XXXX XXXX XXXX XXXX Communication was done through email text messages and phone calls to which all can be screenshots can be sent to support my clain https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
innovis is reporting information without my consent also i have send police report on the account thats reporting without my consent i dont owe these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i upload a police report twice made a new as well with lard see attachments these company violated my right to privacy 15 U.S 1681i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023 around XXXX XXXX PST, Citibank closed my account with the total of {$3800.00}. On XX/XX/2023, I transferred around {$3000.00} from my saving account to my checking account. Right after, I transferred {$2900.00} to my spouse to pay him for what he paid for me. I did not commit any treason or fraud nor did I break any rules with Citibank. I found this situation absurd and would like to make a complaint. I was told I would get a check for my accounts but fear that Citibank might not fully commit on giving my my money back as well.

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 2023-12-19 00:00:00
Product: Credit reporting 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting 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'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance

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 2023-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is the third complaint regarding Truist Bank, and the second since XX/XX/2023. Please see attached document email requesting information on how to make XX/XX/2023 payment. To date online banking app and website remain incorrect.

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 2023-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: CT

Complaint narrative:
TOOK OUT SOLAR LOAN FOR XXXX - MOSIAC GAVE 12 MONTH PROMO PERIOD NO PAYMENTS - ON 11 MONTH PAID XXXX TOWARDS PRINCIPAL. MONTH LATER, MOSIAC CHARGED XXXX DEFERRED INTEREST FEE. LOAN AGREEMENT IS ESTIMATED TIME FRAME AS SAID NEED TO PAY IN FULL BY XX/XX/24. I FELT THIS IS UNNESSARILY HIGH OF CHARGE AS PAID MAJORITY OF BALANCE OFF DURING PERIOD AND WILLING TO PAY FULL BALANCE ONCE SAW CHARGE NEARLY 30 % OF REMAINING BALANCE ADDED TO TOTAL LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Late payment removal on all accounts on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting 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:
Late payment removal on all accounts on credit report.

Company response to consumer: Closed with explanation