vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I had closed my XXXX XXXX Checking account in XXXX of XXXX. Upon doing so I received a letter from Citizens Bank XXXX XXXX XXXX NH XXXX. This letter stated I have no other accounts with that bank. I know I did because I set up my retirement account online. In doing so I also learned the Lawsuit I was involved in and was awarded a rather large lump sum was deposited because my total either monthly or yearly that I was to receive in my retirement was also rather a large lump sum so I knew what I was awarded had been deposited. Not only that but the bank didnt close my debit card when I had closed my account that XXXX of XXXX. Here we are now XXXX and I had gone back to the very same bank and opened a checking account and a savings account in XX/XX/XXXX. This is when this bank took the opportunity to close my old debt card of XXXX that was in my previous legal name even though since then I remarried and the bank representative who helped me open the checking and savings said that was weird Ive never had that happen before. She was confused because she had entered in the computer my newly married name saying she has worked there XXXX and a half years and that has never happened to her before. She called the individual processing debit cards explained the first debit card came out with my previous name and she would need her to print up another debit card with my new legal name. I have the paperwork that shows in XXXX my card number and now in XXXX that strange debit card that came up with my previous legal name on it also has the same debit card numbers from XXXX. I also have the paperwork for that bank closing the debit card from XXXX now in XXXX closing it due to computer errs. In XXXX my checking account I had opened was also cyber attacked and wasnt put back in the same way it was taken out in different increments adding to be over {$700.00} dollars taken by a company name of XXXX XXXX the bank didnt report it to the proper authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
on XX/XX/XXXX purchased a XXXX honda civic the first thing i told the sales lady i had to have these things in order to buy from them XXXX trade in my fianc XXXX XXXX platinum for pay off on it. XXXX no money down. XXXX sales taxes and tag fees paid.4th payments as close to XXXX they agreed to do all was also told sales price was XXXX $ and was told that they would drop it a XXXX to make it XXXX $ not XXXX $ I also had a loan approval from XXXX  XXXX the car lot sent them a different amount than what it was approved for already so therefore they denied me the loan i didnt have the contract went over with us to fully understand all of it didnt get a contract after purchase of the vehicle there was no as is warranty sticker in window i didnt even get the contract until my fianc went to see if theyd try and fix they lied said theyd do what could and contact her never did I was the initial buyer but they made her the i buyer cause her credit was little higher thats when we told them multiple times that she didnt work since XX/XX/XXXX has been off due to injury they asked her what she made when was working full time then XXXX days later when she went to get them to do what they told they would is when got contract it had the as is warranty on printed paper and it had her information at her old job making XXXX $ a month and she dont work had nothing on me or my job or income the sal lady also contacted the water department and asked them to put my name on it as well as the electric company without permission i feel like i was set up for failure because im the only one with income i feel tike i was took advantage of and misslead into the deal

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 2021-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: SC

Complaint narrative:
In XX/XX/2021, I filed an FTC report for identity theft and submitted it to XXXX declined to remove this item from their database in the amount of {$1100.00} The most recent update was on XX/XX/2021, which is incorrect. I also presented the AVANTE company with a challenge and they never responded. I'm not sure where this loan originated. I've always paid my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I checked my credit on XXXX XXXX. They said that I had a hard credit pulled on XX/XX/XXXX with XXXX XXXX. I havent authorized or opened a new line of credit with XXXX XXXX. Ive been a long standing customer of XXXX XXXX since XXXX. I spoke with the supervisor of XXXX XXXX, XXXX, to see if they would correct it. She said every time you use the XXXX XXXX credit they pull a credit report and its outlined in their terms and conditions. I havent used the line of credit for 6 months or a year with XXXX. I believe its okay that they do pull a credit check, I just dont agree that it should be a hard credit inquiry but rather a soft credit inquiry because Im not a new customer applying for a line of credit but rather an existing customer since XXXX. Id like this removed from my credit report, but XXXX, the supervisor wasnt willing to do so. She told me to dispute it with the credit bureaus. I will do that but I wanted to let you know too to get this resolved. I dont want this on my credit report for two years. I think this is unlawful and shameful to consumers. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update or remove the late payments from this account. 

( XXXX XXXX BANK XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX and XXXX XXXX is incorrectly reporting items to my report and they are not responding to my disputes I need these items removed from credit report

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 2021-11-25 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i  within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
On XXXX XXXXXXXX XXXX, I received an alert from the credit monitoring site showing that I have a collection with XXXX which was included in my bankruptcy. At first it showed included in bankruptcy but now it has that it's a collection. I filed bankruptcy on XX/XX/XXXX and it was discharged in XXXX XXXXXXXX XXXX  XXXX was one of the companies that I put in the bankruptcy. My bankruptcy case number is XXXX. This is the second time this has happened. I never received any type of correspondence from the collection agency to dispute the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  XXXX and trans union is incorrectly reporting items to my report and they are not responding to my disputes I need these items removed from credit report

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 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX equifax and XXXX XXXX is incorrectly reporting items to my report and they are not responding to my disputes I need these items removed from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
Hello, I complained against IQ DATA collection company on XX/XX/2021. 
Complaint number XXXX. 
Unfortunately, this company is a XXXX. 
The company just did not submit the correct documents to you and invented very strange stories and legends. 
At the height of her XXXX, she approached all the credit companies against me and even at the height of her XXXX, she blocked my credit card. 
It hurt me in my economy and my family 's economy very much. 
It also hurt the excellent credit I had very much, And that's why I've been suffering for 9 months. 
Unfortunately, this company has no XXXX. Because she did all this during the difficult Covid-19 period, you went through all over America and the whole world. 
During this time I suffer greatly. 
I have contacted IQ DATA collection company many times. And I even proved to them that they were wrong. 
But unfortunately, it took so long till the company realized that they were wrong ( either they have no absorption, or they intended to hurt me ) after they realized, To date they have not removed their collection debt from all 3 credit bureau, Despite the many promises I received from them. 
And unfortunately, I had to turn to you again and ask for your help. 
Attached is a proof sheet of the mistake of the negligent collection company. 

I AM TRYING TO REFINANCE MY MORTGAGE BUT I CANT BECAUSE OF THIS COLLECTION COMPANY I demand from this despicable collection company. Immediately remove all the bad reports that have stuck to me from all 3 credit bureau companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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:
I am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the item listed below still remains on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the account below : ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: MS

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX {$0.00} XXXX XXXX XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/XXXX, I attempted to do a pre-apply with Care Credit towards a {$45000.00} medical expense. 
The pre-qualification process is operated by Synchrony Bank ( mysynchrony.com ) and rejected my application due to lack of credit. 

I had come into this process with a very strong credit history ( almost 800 score, owning a house, no late payments on credit cards ). 
My rejection notice was that I had very limited credit history, a score of 660, and something about revolving accounts ( I hadn't saved a copy of the notice ). 

I believe the notice said that it had made this decision based on the information it made from XXXX ( again, I hadn't saved a copy of this notice ). 

A month before, I had changed my first name as part of my gender transition with the social security administration ( and had changed my name with Massachusetts 5 months before then ). 
I was providing my SSN as an identifier which had never changed, so there's no good reason why my credit history would have not been able to continue following 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 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in XXXX. Lets correct this immediately. XXXX is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX BANK XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: DE

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX - Inquired on XX/XX/XXXX ; XXXX XXXX  - Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: DE

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2021-11-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This is my XXXX complaint about Bank of America. This is a copy of my last complaint : " This is my XXXX complaint about this mortgage. Account number XXXX BOA has attached escrow services to my line of credit. I pay my escrow through my primary mortgage. I have sent BOA a plethora of documentation for years stating my primary mortgage XXXX collects my mortgage. I would like some assistance please. They are telling me I am behind in my mortgage. My payment is XXXX a month and I have paid {$4500.00} to date for this year ''. 

A representative called me and said she would get back with me in 30 days. I have not heard anything. I pay an escrow on my primary mortgage. BOA wants me to pay XXXX escrows. I am redoing this complaint just to have a record. This has been an absolute nightmare. I am enclosing a statement from my primary mortgage to prove that I pay escrow. 

That response looks like it was copied and pasted. It has nothing to do with my complaint. This IS UNNECESSARY STRESS AND I NEED TO BE COMPENSATED. I am also sending a copy to BOA executive offices to put them on notice.

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