vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I deposited money into M & T Bank. The funds were due to a personal injury settlement. There was a Court Order requiring the funds be placed into a restricted account with no withdrawals prior to 18 without prior Court approval. On XX/XX/XXXX I received a letter from M & T stating they would be closing the account as there was no activity for a period of time. On XX/XX/XXXX I signed a paper stating the account should remain active and again explained that the account wouldnt be accessed until my daughter was XXXX. I again received a letter in XX/XX/XXXX stating the same thing. I called M & T on XX/XX/XXXX and told them to keep the account active and again she would not be accessing the account until XXXX. In addition, I requested our address be updated since we moved. Today, XX/XX/XXXX, my daughters XXXX birthday, I called M & T to determine what I needed to closed the account. I was told that the account had been closed on XX/XX/XXXX because the state requested the funds and there wasnt anything further for them to do. After further research, I located the funds at the Pennsylvania Treasury Departments Bureau of Unclaimed Property. This account was opened per Court Order when my daughter was XXXX  years old. They accepted the funds and opened an account knowing she wouldnt be touching this account for 8 years. Now we have to go through the unclaimed property department to collect money, which failed to gain interest for the past 6 months due to their error.

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 monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
From my limited understanding, someone opened a XXXX account under my name on XX/XX/2020 and spent {$3400.00}. 

The original creditor is XXXX. Currently the creditor is Jefferson Capital System. One of their debt collector agencies contacted me a few months ago. I informed them the account was not mine. The account was opened under an email, physical address, and phone number that did not belong to me. 

XXXX  has already blocked the account from my credit score report. XXXX  denied my request to block the account from my credit report. I filed my dispute with XXXX  today. 

XXXX  requested further information from me in order to block the account. They were not specific as to what information they required. I hope that this complaint will help me continue to contest this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
My mortgage servicer is reporting to the 3 credit bureaus XXXX, XXXX, and XXXX my mortgage is up to 150 days delinquent. My mortgage payments are currents. I have tried to speak with my mortgage servicer to correct this but they will not speak with me. I have my canceled check reflecting all mortgage payments. Received mortgage statement that said my mortgage payment was increasing because I was being escrowed for city taxes, my home is in the county and I don't pay city taxes. My mortgage company has over charged me for my escrow account. Also my mortgage payment has increased because of the incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NV

Complaint narrative:
I am writing this letter due to a previously disputed debt already settled by way of complete removal/deletion from XXXX, XXXX and XXXX with the aid of the CFPB investigation - Please refer to CFPB former complaints # XXXX and XXXX. However, I believe that the original creditor XXXX XXXX has sought to ignore the Fair Debt Collection Act and or Fair Credit Reporting act by continuing to pursue a debt not owed even after it was investigated by the previous debt collection company called XXXX XXXX XXXX XXXX. XXXX XXXX has had plenty of time to investigated this matter through their third party debt collection partners and each time they failed to provide their third party debt collection partners with credible evidence of a debt owed. My previous complaints which are listed above highlights my position and credible facts why I do not owe XXXX XXXX  or anyone else a debt. Today, I received a call from yet another third party debt collection company called " CREDIT MANAGEMENT , LP '' who are pursuing the same debt in the amount of {$170.00} which has already been settled and DELETED. Though the amount differs from the original debt amount, it is the same disputed debt which was deleted by the last third party debt collection company XXXX XXXX XXXX XXXX XXXX. ) Furthermore, I believe that consumer protection laws are being blatantly violated by XXXX XXXX in their never ending pursuit of a debt I do not owe which was disputed and subsequentially deleted/removed from all major credit reporting agencies. Those third party debt collection agencies which I have previously mentioned above are contracted on the behalf of and or represents XXXX XXXX interests and given that this un-owed debt was previously investigated and as a result of the CFPB investigation was removed. i wish to no longer receive any communication in regards to this resolved matter by CREDIT MANAGEMENT , LP and or XXXX XXXX and that any attempts to further tarnish my consumer credit report by submitting false debt be considered a direct violation of the Fair Debt Collection Practices Act and or the Fair Credit Reporting Act prosecutable by State and Federal Law. I need to matter to be put to rest once and for all. Thank you for your understanding concerning this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: PA

Complaint narrative:
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 : DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to delete the following fraudulent information in my file.The items I need deleted are listed in a word doc attached to this report. 
I am a victim of identity theft and did not apply nor create the illegitimate information included in my credit report.I ask that the items be removed at once. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was exploring the Barclays Uber Visa card website XXXX XXXX XXXX XXXX XXXX XXXX when I saw the credit limit increase button. I clicked on it to request an increase because I had this card for at least three years, and never once did their system update my credit limit from a low {$500.00} to a more fair value related to my credit score or history with the company. So I click this button to ask them to increase my credit limit without seeing anywhere they would process a hard inquiry to increase my credit limit. If I knew that they would make a hard inquiry, I would not have requested the increase. After all, none of my other credit card companies have charged me for a credit limit increase. Furthermore, none in the past have made a hard inquiry if I initiated this change. Therefore, I feel that the Barclays card was not clear enough disclosing that they would perform a hard inquiry. 

When I called their customer service line ( XXXX ) today, XX/XX/2021, at XXXX XXXX, I was able to connect with a representative who told me at approximately XXXX XXXX PT that she was not for sure where the wording is ( but is claiming it is somewhere like on the website ). I asked her to connect me with the department that would know more about my credit line increase questions. They placed me on hold, and then they hung up on me XXXX or it disconnected XXXX instead of being transferred to the department that would know more. On the next call at XXXX XXXX I requested that the customer service representative connects me with their department that would know about the credit line increase issue and questions I would have. This agent also put me on hold, but they eventually shared a line and, although vague, confirmed a disclosure is somewhere and that this is the company policy. She was also unclear about how their " system '' would determine credit line increases. Nevertheless, I would like them to remove the hard inquiry because it is not readily apparent that I would receive a hard inquiry to request a credit line increase with Barclay.

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 2021-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion has been reporting inaccurate information on my credit report, accounts by XXXX XXXX XXXX and XXXX XXXX are reporting open still, the CFPB had investigated these accounts and they were closed due to inaccurate information.

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 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jim Bottin Enterprises, Inc
State: MD

Complaint narrative:
I started a gym membership roughly 1 month having my second XXXX to fix multiple XXXX XXXX I received while in the XXXX XXXX. I went to the gym everyday for about a month or two and my XXXX XXXX XX/XX/XXXX once again and my XX/XX/XXXX came back. So I stopped going to the gym in XXXX and the gym kept taking automatic payments regardless of my medical situation and failed to provide me my contract that they never gave to me. I was finally able to put a stop to the automatic payments in XX/XX/XXXX after they had taken my money up to this point. In XXXX I called and told them once again that I was going to put a stop payment on them and that I wanted to cancel my membership. I was advised to send an email providing details on why I needed to cancel my membership to their gym email and that I would hear back from them within 5 business days. That never happened I had another XXXX on or around the XXXX of XXXX to repair multiple re occurring XXXX XX/XX/XXXX and an inguinal hernia, that sustained while on XXXX XXXX in the XXXX XXXX back in XXXX that kept coming back. The company XXXX XXXX attempted to contact me multiple times but every time I answered my phone I got a voice recording with almost an hour wait sometimes 2 hours of a wait and was never able to get anyone on the line. Fast forward to present day, they have continued to harass me about my membership, and then, they sent my case to debt collectors who called me up, harassing me threatening me, threatening to sue me, etc. In the gyms membership I vividly remember it stating that at anytime I could cancel if I had a medical reason written by a medical doctor. I have multiple letters from my doctors that specify why I can not participate in unit PT at my command Do you do the extreme nature of my now XX/XX/XXXX XXXX. These letters also pertain to outside the command but are not directed towards the gyn they are lawful orders written towards me and my command to abide by since they are coming from a Medical Officer in the United States military. I am currently on a medical board for my XXXX and can not handle another ounce of pressure from these debt collectors. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Currently on my TransUnion credit report ( file ) shows that I have one ( 1 ) account as ever being late, and after reviewing my credit report ( file ), nothing reflects that I have any accounts as ever being late. If TransUnion can not identify any account as ever being late, provide a correct reporting to reflect that no accounts are late.

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 2021-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/XXXX I opened a secured flex line of credit with 5/3 Bank using my MM Savings Account ending in XXXX as cash collateral in the amount of {$5000.00}. I went to a 5/3 Branch and closed my secured flex line account on XX/XX/XXXX. As of XX/XX/XXXX i was no longer able to transact on that account. Since the account was closed with a {$0.00} balance the bank is to release my funds off hold in the MM Savings account ending in XXXX, making my available balance back to the {$5000.00} that was on deposit. I have contacted the bank several times and they wont give me back my funds and wont give me any time lines of when it will be available. They are hindering me from using my funds and to make purchases as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
there are inquiries on my credit report that I don't recognize or authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/2021 apparently when this occurred in XXXX, FL where i am not a resident of charged my credit report with a collection to the following company DEBT RECOVERY SOLUTIONS / XXXX XXXX XXXX XXXX XXXX / XXXX, NY XXXX. This in FACT was a ambulance ride for my XXXX y/o father being taken to a XXXX XXXX. I, in FACT, is not and never will be a Veteran in this country because I cant even establish credit on my name because this is the seconded time this happened. I was at work as scheduled on XX/XX/2021, if payroll is not literal fact then what is? I am sure there is a significant level of fraud in XXXX XXXX FIRE AND RESCUE. Now XXXX is saying my dispute is baseless because this information is correct, but when the ambulance went to pick my father up, they had my information and to my brothers knowledge did not correct it when told. Please help me so I don't have to resort to a new normal this Country expects of the discouraged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2021 I drove to my local PenFed Credit Union in XXXX, VA. There was met with the Assistant Manager and her trainee. I had discussed reopening my checking and savings account, Im which I was previously a member before. After, being told that a soft credit pull, would be needed. I agreed to only do this if indeed it was only a soft credit pull. Now, waiting for the Manager to reach a Supervisor to handle this request I was told that I needed to contact XXXX  to unfreeze my credit report. After returning to work I did exactly that and while not expecting to have my credit file compromised with an Hard Credit Pull. I was told once again by an PenFed employee over the phone now. That my account was all setup and only a Soft credit pull was done I have called several times to PenFed to ask that this inquiry be removed! However, it seems to be more difficult than I expect.

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 2021-08-20 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: VA

Complaint narrative:
On XX/XX/2021 I drove to my local XXXX XXXX XXXX in XXXX, VA. There was met with the Assistant Manager and her trainee. I had discussed reopening my checking and savings account, Im which I was previously a member before. After, being told that a soft credit pull, would be needed. I agreed to only do this if indeed it was only a soft credit pull. Now, waiting for the Manager to reach a Supervisor to handle this request I was told that I needed to contact Equifax to unfreeze my credit report. After returning to work I did exactly that and while not expecting to have my credit file compromised with an Hard Credit Pull. I was told once again by an XXXX  employee over the phone now. That my account was all setup and only a Soft credit pull was done I have called several times to XXXX to ask that this inquiry be removed! However, it seems to be more difficult than I expect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Profit Services Group
State: GA

Complaint narrative:
I sent out a certified debt validation letter to Profit Services Group collection agency at address listed on my credit report. 30 days after sending out the letters it was returned to me as unclaimed and the post office did not have a forwarding address.

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 2021-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Concord Servicing Corporation
State: NC

Complaint narrative:
My HVAC loan was transferred to Concord Servicing Corporation. I paid off the loan with XXXX electronic bank transfer checks on the same day with the same account # 's and same address. I was only credited with the first check. Subsequently, I started receiving calls and bills demanding immediate payment ( I never received any statements because they had an incorrect address listed ). I told them over and over again that this debt had been paid off. They demanded proof. I sent them my credit card statements. They said that was not sufficient ; they demanded a cancelled check which there wasn't one since it was an electronic check. The original checks were sent in XXXX and cashed XX/XX/XXXX. My credit score dropped XXXX points. They refused to talk to my bank XXXX XXXX XXXXXXXX XXXX XXXX so I finally got a copy of the cancelled electronic transfer check which I sent to them. Still they did not clear my account nor did they contact the credit bureaus to clear off my record. My business was denied a credit card because of this ; it has been an embarrassment to me because I pay my bills early and this has damaged my reputation. I contacted the XXXX XXXX XXXX and filed a complaint with them ; the company replied saying they finally " found '' my payment, were re-amortizing my loan and would take off any late payment fees. They would then figure out what the accrued interest that I still owed was and then send me a letter stating what that was. All I got was 2 more letters demanding payment. No apology has been offered. They also said they will notify the credit bureau the next time they run their files which won't be until XX/XX/XXXX but they certainly were quick to notify the credit bureaus that I was " seriously delinquent '' back in XXXX. I demand that this be fixed immediately, that I get an apology and that they close my account. No further payment will be forthcoming from me. They need to be fined for gross negligence.

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 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK

Complaint narrative:
I applied for a bank account with HSBC using a promotional link on XX/XX/XXXX. The bank is claiming that I did not sign up via this promotional link and they are unwilling to pay my bank bonus, even though I have met all the requirements. This is common for this bank in particular. The link I applied via is listed below, and I have screenshots and a print out of the offer. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation