vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Im writing to delete the following information on my file. The items i ask to be deleted are listed in the report. I am a victim of identity theft & did not make the charge. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission & I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America offered a {$300.00} bonus if one started a checking account in the months of XXXX and XXXX, 2021. Part of the stipulation for the bonus was : : " Set up and receive Qualifying Direct Deposits of {$4000.00} or more in that new personal checking account within ninety ( 90 ) days of account opening. 
A Qualifying Direct Deposit is a direct deposit of regular monthly income such as your salary, pension or Social Security benefits, which are made by your employer or other payer using account and routing numbers that you provide to them. Examples of non-qualifying transfers and deposits include the following : teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, Online and Mobile Banking transfers or deposits, or transfers from a bank or brokerage account or Merrill account. '' As I am retired, and as discussed with the person over the phone who enrolled me, essentially all my income is from brokerage accounts, but also social security. As my social security checks exceed $ XXXX, I signed up. An incredible amount of time was spent on the phone, going to the local branch ( which never answered the phone so one had to go in person to find either no bankers or that the branch was closed due to Covid- no fault of BOA ). However, after all these efforts I found out that when switching which bank my Social Security check would be directed to, the Social Security web site states it will take 3-4 months for the switch to occur! This means as most only one qualifying deposit will possibly make the 90 day time allotted, or perhaps none. 

SO, my complaint is that BOA clearly had to know that listing social security benefits WOULD NOT QUALITY, a bait and switch on retired individuals. I don't know how many simply receive a pension, but a qualifying 'salary ' excludes most retired individuals by definition, and by listing XXXX XXXX XXXX XXXX was the BAIT to capture senior citizens. Either their research was incompetent or they ignored this problem when other senior citizens must have called in XXXX with this roadblock, or they decided to intentionally perpetuate this scam. When I called today, I was simply told that it was up to the customer to insure that deposits could be made prior to initiating these new accounts ( BUYER BEWARE ), and that the bank was not responsible for how Social Security is run. I would amend that a respectable bank is quite familiar with money transfers, etc, and only from a position of fraud or a scam would this BAIT been offered.

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 2022-01-12 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
i noticed an account on my credit report i immediately contacted all parties and the XXXX credit bureaus XXXX fixed the error but XXXX and XXXX did not so i sent them a copy of XXXX 's results and ask them to send me what proff they had to keep reporting the delinquent account on my credit report and all i got was a letter stating that they had updated the account. which it does not fix the problem it is hurting my credit report and i would like i removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I opened a credit card on XX/XX/XXXX and am going to be charged XXXX dollars for a yearly fee. My question is why are they charging me up front and I will be charged again next XXXX. It's as if I'm getting charged twice for the first year. I didn't create an account or get my card until XX/XX/XXXX. I think they are doubling charging the fees for new customers and I'm probably not the first. Am I correct or wrong I'm just wondering. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Medicredit has violated HIPAA they sent me a letter saying that i owe x amount I DID NOT SIGN A HIPAA FORM AUTHORIZING THEM TO ACCESS MY MEDICAL RECORDS.

At this time i want to inform that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security or Breach Notification Rules i do not recall giving permission to release my medical information to a third party. 
The Medicredit has sent me a bill of a printed page showing unknown bills, thats not the original paperwork i dont know why they sent a third party to access to my medical records but i sent a Certified letter twice asking them for a validation letter, once they sent me the mail it was sent by printed documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: IL

Complaint narrative:
I am a victim of identity theft there are numerous credit cards and loans taken out of my name without my consent or authorization I have Filed a police report Concerning these matters my credit report shows credit cards that is open in my name that Ive never authorized

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 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: TX

Complaint narrative:
This company calls and harassed me to pay a debt from a medical provider XXXX a medicine for about {$400.00}. That I paid to another company about a month before this company started calling me. I still have not received any receipts nor any proof of payment from the last company. This company is asking for the same payment. When I ask them to send me proof I owe a debt none of the customer service reps can send an email, or letter to my home. Until they can prove this. They need to stop calling because the harassment is too much. Because when I call XXXX medicine Im not getting the same info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i noticed an account on my credit report i immediately contacted all parties and the three credit bureaus XXXX fixed the error but TransUnion and XXXX did not so i sent them a copy of XXXX 's results and ask them to send me what proff they had to keep reporting the delinquent account on my credit report and all i got was a letter stating that they had updated the account. which it does not fix the problem it is hurting my credit report and i would like i removed 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 2022-01-12 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: IL

Complaint narrative:
i noticed an account on my credit report i immediately contacted all parties and the three credit bureaus XXXX fixed the error but XXXX and Experian did not so i sent them a copy of XXXX 's results and ask them to send me what proff they had to keep reporting the delinquent account on my credit report and all i got was a letter stating that they had updated the account. which it does not fix the problem it is hurting my credit report and i would like i removed 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 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
XXXX and XXXX alerted me to a " Attempt of Collection '' by Americollect Inc. No such debt exists. Claims to be collecting on behalf of " XXXX XXXX XXXX XXXX XXXX '' which tells us we have a CREDIT on our accounts. 

Prior to the appearance on our credit reports, we were never contacted by XXXX XXXX XXXX XXXX XXXX or Americollect Inc., and following this appearance on our reports, when we contact both XXXX XXXX XXXX XXXX XXXX or Americollect Inc., neither can offer an explanation as to why their names are on our credit reports, and Ameicollect has not replied in any fashion to our requests for explanation nor expulsion from our records. 

Proof of CREDIT from statement PREDATING filing with credit bureaus is attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: OH

Complaint narrative:
Upon contacting XXXX I was told they could not assist only to state the alleged balance and directed to Valor Intelligent Processing LLC a 3rd party debt collector. Valor stated they received my correspondence and the account was proven NOT fraud as they will continue to pursue! They could not produce relative facts as I demanded. I explained this inaccurate reported information is causing a hardship and needs to be removed. Not only is Valor Intelligent Processing LLC knowingly violating my consumer rights per 15 USC Chapter 41 they have No permissible purpose per 15 usc 1681b, they are knowingly causing tremendous pain to my family and I. This company is holding our family from getting a home due to them infringing my consumer rights.I attempted to handle this matter directly to no avail. Only to be mocked as I informed them once again how they are violating my law binding consumer rights. XXXX XXXX has to uphold the laws placed and is their civil liability per 15 usc 1692k. I will go to the extent of the law to get my due remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I extended my car lease, Infiniti XXXX, for additional 6 months after due date. The additional payments made lowered my actual payoff amount to {$26000.00} vs the amount listed on lease agreement {$29000.00}. The company is refusing to use the additional monies paid towards the payoff, and charged the full value listed on lease agreement to buyout the car. I spoke to supervisor XXXX, who said that he will honor the old guidelines, since they were recently changed, and will issue a refund between the difference of two values. He also said that he will call me back and never did. I called the company multiple times afterwards, spoke to various supervisors, who also did not call back. Eventually I spoke to supervisor XXXX, who said that he will not be issuing a refund. I tried to explain that the first supervisor I spoke to already said that he will issue the refund and I am just calling to confirm when my refund will be received. The company is still refusing to issue a refund that was promised by the first supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MO

Complaint narrative:
XXXX Bank allowed an insurance company take out money from my account that I did not have in there. I had closed the account and there should have been zero activity on it. Due to XXXX bank 's error, I was overdrawn XXXX and they sent it to a collection company and now it is the only negative item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am writing to inform you of an unfortunate and unethical situation that happened to me and i wanted to know if there was anything that could be done to assist me in this matter. i owned a property on XXXX XXXX XXXX. XXXX, NY XXXX that was subject to foreclosure proceedings. I was greatly impacted by the pandemic and unfortunately i was unable to keep up with the mortgage payments. I, reached out to the mortgage servicing company ( Shellpoint Mortgage/ NewRez LLC ) to explain my situation and to work out a short sale. I provided all the hardship/assistance documents requested by Shellpoint Mortgage and as of XX/XX/XXXX we had a fully executed contract for a short sale. Shellpoint Mortgage and XXXX XXXX intentionally delayed the short sale approval multiple times and subsequently sold my house at an auction on XX/XX/XXXX ( 5 months after we submitted a fully executed contract ). I consulted with a foreclosure attorney regarding this matter and we are submitting a motion to have the sale rescinded, however, this would be done at the discretion of a judge and according to my attorney we have a slim chance of this happening. Please look into this matter and let me know if there is anything that can be done to have the auction sale in question rescinded so that we may complete the short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit fil

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 2022-01-12 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: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
On XX/XX/2022 i filed a dispute against FORD MOTOR CREDIT for inaccuracies on my credit report for FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: MN

Complaint narrative:
A revolving credit account held by XXXX financial is showing up on my credit report by experian. XXXX was saying that I was a co-signer on this account, however I never agreed to be a co-signer and I never signed any documents agreeing to be a cosigner. I did not, in fact, co-sign anything. The bank, XXXX, has agreed that they do not have my signature on anything related to this account, and have removed me from the account. Experian, however, is keeping the account and the history of it ( with a late payment from the person who owns the account ) on my credit score. 
I opened a dispute in XX/XX/2022 with Experian regarding this account and sent in documentation regarding the fact that I never signed to be a co-signer and the bank does NOT have my signature for this account and the bank is fabricating any notion that this account has or had anything to do with me. With no proof what-so-ever that I ever co-signed for this account, however, experian came back from the dispute stating that the bank confirmed that it was my account and left it on my 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 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frontline Asset Strategies, LLC
State: GA

Complaint narrative:
Frontline asset strategies contacted my husband regarding collecting an outstanding balance for XXXX XXXX. We switch phone carriers in 2021 due to XXXX XXXX  poor service coverage, We paid XXXX in order to stop the harassing collection calls. We contacted XXXX XXXX and was told we owed a balance which we were not made aware of in regards to equipment payment. Our last upgrade with XXXX XXXX was a free upgrade as explained. we do feel this was a set up to steal money from. The stated balance supposedly owed was XXXX however, XXXX settled for XXXX? 

We are requesting all AUTHENTIC documentation submitted to frontline from XXXX XXXX placing this account into collections. WE NEVER received any documentation from XXXX XXXX  in writing. We traveled to the XXXX XXXX store and they pretended having a hard time locating the account which, was in my husband name, We do feel XXXX plus more was stolen from us. Also, the representative stated the collection items would be removed from my husband 's credit report after the XXXX was paid. It would be removed within the same day/hr. VERY SUSPICIOUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit fil

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit fil

Company response to consumer: Closed with explanation