vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am XXXX XXXX XXXX recent widow, I applied for credit in the amount of $ XXXX. XXXX XXXX would not approve me, yet they have an account listed on my credit report that says it was still open, this should have been taken off after a bankruptcy in XXXX ( XXXX Yrs. ) ago. I have no credit cards, but pay cash for what I need. My credit reports lists me as excellent in paying on time ( I pay XXXX every month for a mortgage they say I don't have ), I have a paid receipt from the county for property taxes paid by ME on property that is valued at {$250000.00}. They say they will generally approve if you have a credit score of XXXX, my scores are XXXX. The XXXX bank say they will accept bankruptcy if is over XXXX years old, mine is XXXX years ( husband was on bankruptcy ). Debt to income should be over be under XXXX mine is under XXXX. I have paid a car lease and now buying care w/co-signer ' and have never been late on house payment nor the car lease or purchase. XXXX Bank ( also XXXX XXXX ) is the servicing bank for numerous lending institutions, when XXXX XXXX denied me credit they automatically rolled it over to all participating lenders which guaranteed me a no. Basically, I have assets over {$250000.00}, I have no outstanding credit cards, ( other than the XXXX XXXX XXXX didn't remove and is inactive ), Capital sent me a form letter that listed all their products, too many to count, that I was not entitled too. 

At XXXX XXXX XXXX there is no evidence that I will not live to repay my loan. If, unfortunately, can't pay for death or health reasons, I have a house in my name that can have a lein put on, My income is {$3300.00} a month. Other than normal living expenses my one and only obligation is the house {$780.00}. and car {$330.00}. The only thing I don't have control of is XXXX XXXX  XXXX, I am healthy, active and have all my facilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: WA

Complaint narrative:
I opened a car loan loan on XX/XX/2021 through XXXX XXXXXXXX XXXX XXXX, I purchased the car through a local dealership. Our loan paperwork showed our first payment was not due until XX/XX/2021 and then the XXXX from there on out. It has been current each month, the XXXX the payment was posted on XX/XX/2021, which would only make it XXXX  days past due date. However, the bank is saying it was XXXX  days behind which isn't accurate and I have proof. They refuse to remove the derogatory mark.

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 2022-03-20 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: WA

Complaint narrative:
I opened a car loan loan on XX/XX/2021 through XXXX XXXXXXXX XXXX XXXX, I purchased the car through a local dealership. Our loan paperwork showed our first payment was not due until XX/XX/2021 and then the XXXX from there on out. It has been current each month, the XXXX the payment was posted on XX/XX/2021, which would only make it XXXX days past due date. However, the bank is saying it was XXXX days behind which isn't accurate and I have proof. They refuse to remove the derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
This bank bought my mortgage and has not gotten anything right since they acquired it. The bank has failed to pay my property taxes on time XXXX. Then they paid my insurance bill when the insurance bill is not part of my escrow account leaving my account under funded. The bank was supposed to stop payment on the insurance payment and pay my property taxes but neither has happened. I have called and spoke with a manager who was supposed to fix all of this but never did. And now she refuses to call me back and no other manager will speak with me. Then the bank sent me a check for an over balance which it wasnt since they never paid my property taxes so now my taxes are not paid and there is no money to pay it and they re-evaluated my account and now I will be under funded for next years property taxes now also. No one will call me back to fix any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2022, I called the SunTrust ( now Truist ) automated system to review my checking account and realized that my account balance was incorrect. I called my local branch in XXXX XXXX, Maryland, to ask for a detailed account of my recent transactions. The list of transactions showed that one check ( # XXXX ) was out of sequence, and in the exorbitant amount of {$10000.00}. I advised the bank representative that I did not write a check for {$10000.00} and still had check # XXXX in my possession. The bank representative advised that I must come to the bank to discuss the matter. I went to the bank that same day and spoke to XXXX XXXX XXXX. XXXX XXXX confirmed that someone by the name of XXXX XXXX, who I do not know, cashed the fraudulent {$10000.00} check from my account, electronically, on XX/XX/2022 -- possibly at a check cashing facility. XXXX XXXX proceeded to help me to close the account and open a new one. She advised that she would report the incident to the fraud department and that it may take up to 30 days to complete an investigation and return my funds. More than 60 days have passed and I have heard nothing from the fraud department -- no letter to acknowledge the theft ; no information about what action is being taken ; and no mention of when my account will be restored. Because of this act of fraud and the lack of action taken by the bank, I have been unable to timely meet my financial obligations and have had to rely on my bank credit card to pay bills and buy food. In an attempt to remedy this matter myself, I called the Truist Fraud Department directly. I was provided a fraud complaint number ( # XXXX ) and, on or about XX/XX/2022, was advised that it might take five to seven days to complete the investigation. I also filed a report with my local police department. I was given fraud complaint number XXXX and was advised that an officer would " show up '' [ come to my home ] to obtain a statement. I have heard nothing form the police department to date. I am a widowed, senior citizen on a fixed income and I need my funds restored now.

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 2022-03-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer adjustment company has violated XXXX laws by reporting collection debt 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 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I went into the TD Bank and tried to open an account. The customer service person that opens the account for customers. Told me that she could not open an account in my name because I have a Checking account in collections. 

I don't have any TD Bank account in collections. In anytime someone owes the TD Bank or any bank, they have you pay what you owe first and then they go ahead and open the new account. 


I do know that my personal information was stolen back in XX/XX/XXXX that my XXXX  had in a box when she moved to XXXX. They stole all of my XXXX XXXX personal information, my XXXX and mine. 

Social security number, birth certificates and photos, date of birth. Old tax documents. On XX/XX/XXXX or so.. I can't remember the exact date it happened but some employees at TD Bank made stole out of my mother 's personal information and made online purchases close to {$5000.00} and my mother received a letter from TD Bank headquarters, stating that the employees has all of her personal information and were fired and arrested from TD Bank. 

TD Bank offered my mother extra XXXX years higher security on her TD Bank account. I believe that my personal information along with my mother 's has been compromised. In I don't have any collection accounts with TD Bank that I am aware of. Other than today when the bank employee said she will get back to me about collections on my account with TD Bank, and she didn't open the account for me. 

My mother 's TD Bank account was compromised in XX/XX/XXXX or so. 

I always thought when you owe the bank you pay right then, and they open your account. That's what they did with my mother. She paid what she owed on the same day they opened the account. 

I work XXXX days a week and the woman did want to open my account something is seriously wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer adjustment company has violated XXXX laws by reporting collection debt 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 non-monetary relief
Consumer complaint received 2022-03-20 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: TX

Complaint narrative:
Consumer adjustment company has violated XXXX laws by reporting collection debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XXXX  sent me equipment to set up that I never connected. Never used their services. I have photo and video proof that all the equipment I gave back to XXXX  on XX/XX/XXXX was still sealed in plastic. I was given a receipt by a spectrum representative proof that I returned equipment and I never opened it. Account for spectrum was opened XX/XX/XXXX, since I never used the items, I thought I wouldn't be charged for it however I only realized I was being charged for such from 11 charter communications, llc. Those representatives told me if I returned the equipment I would not owe spectrum anything however I check my credit today and see them still trying to collect money for services I never received or equipment I don't have anymore. Amsher collection services are holding my credit accountable. I believe I owe nothing for services I never received nor wanted in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am XXXX XXXX XXXX recent widow, I applied for credit in the amount of XXXX XXXXXXXX. XXXX XXXX would not approve me, yet they have an account listed on my credit report that says it was still open, this should have been taken off after a bankruptcy in XXXX  ( XXXX Yrs. ) ago. I have no credit cards, but pay cash for what I need. My credit reports lists me as excellent in paying on time ( I pay XXXX every month for a mortgage they say I don't have ), I have a paid receipt from the county for property taxes paid by ME on property that is valued at {$250000.00}. They say they will generally approve if you have a credit score of 640+, my scores are XXXX. The XXXX bank say they will accept bankruptcy if is over 4 years old, mine is 8 years ( husband was on bankruptcy ). Debt to income should be over be under 36 mine is under 34. I have paid a car lease and now buying care w/co-signer ' and have never been late on house payment nor the car lease or purchase. XXXXXXXX XXXX ( also XXXX XXXX  ) is the servicing bank for numerous lending institutions, when XXXX XXXX  denied me credit they automatically rolled it over to all participating lenders which guaranteed me a no. Basically, I have assets over {$250000.00}, I have no outstanding credit cards, ( other than the one XXXX XXXX didn't remove and is inactive ), XXXX sent me a form letter that listed all their products, too many to count, that I was not entitled too. 

At XXXX XXXX XXXX there is no evidence that I will not live to repay my loan. If, unfortunately, can't pay for death or health reasons, I have a house in my name that can have a lein put on, My income is {$3300.00} a month. Other than normal living expenses my one and only obligation is the house {$780.00}. and car {$330.00}. The only thing I don't have control of is my age XXXX, I am healthy, active and have all my facilities.

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 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am XXXX XXXX XXXX recent widow, I applied for credit in the amount of $ XXXX. XXXX XXXX would not approve me, yet they have an account listed on my credit report that says it was still open, this should have been taken off after a bankruptcy in 2014 ( XXXX Yrs. ) ago. I have no credit cards, but pay cash for what I need. My credit reports lists me as excellent in paying on time ( I pay XXXX every month for a mortgage they say I don't have ), I have a paid receipt from the county for property taxes paid by ME on property that is valued at {$250000.00}. They say they will generally approve if you have a credit score of XXXX, my scores are XXXX. The XXXX bank say they will accept bankruptcy if is over 4 years old, mine is XXXX  years ( husband was on bankruptcy ). Debt to income should be over be under XXXX mine is under XXXX. I have paid a car lease and now buying care w/co-signer ' and have never been late on house payment nor the car lease or purchase. Synchrony Bank ( also Care Credit ) is the servicing bank for numerous lending institutions, when Care Credit denied me credit they automatically rolled it over to all participating lenders which guaranteed me a no. Basically, I have assets over {$250000.00}, I have no outstanding credit cards, ( other than the one XXXX XXXX didn't remove and is inactive ), XXXX  sent me a form letter that listed all their products, too many to count, that I was not entitled too. 

At XXXX XXXX XXXX there is no evidence that I will not live to repay my loan. If, unfortunately, can't pay for death or health reasons, I have a house in my name that can have a lein put on, My income is {$3300.00} a month. Other than normal living expenses my one and only obligation is the house {$780.00}. and car {$330.00}. The only thing I don't have control of is my age XXXX, I am healthy, active and have all my facilities.

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 2022-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MEDICAL REVENUE SERVICE d/b/a MEDICAL DATA SYSTEM INC. ( hereinafter MDS ) is in violation of 15 USC 1692, the Fair Debt Collection Practice Act ( hereinafter FDCPA ), for failing to comply with the following provisions : 1. MDS uses a trade name and not its true name in an attempt to collect alleged debt. 
2. MDS caused my phone to ring multiple times at inconvenient times and during times I was at my place of employment with the intent to harass. 
3. MDS never had my direct consent to communicate with me and did so via mail and phone 4. MDS multiple deceptive forms to deceive me, the consumer, into believing that I owed an alleged debt.

5. MDS used false character amounts in an attempt to collect an alleged debt. All four individual accounts requested I pay on a positive balance.

I received 2 communications from MDS on XX/XX/2022 requesting I pay an alleged debt that is allegedly owed to them on behalf of XXXX XXXX XXXX XXXX. I responded to MDS communications with notices that were sent on XX/XX/2022 and received on XX/XX/2022 via USPS in which MDS 's validation was due 5 days from receipt. MDS failed to meet the requirements of providing validation for me to see thus nullifying these false claims. MDS used my personal information to create 4 different accounts without my consent which is aggravated identity theft pursuant to 18 USC 1028A. I have never done business with MDS nor do I have a contract to do business with MDS ; therefore, I DENY BEING LEGALLY OBLIGATED TO PAY ANY AND ALL ALLEGED DEBT TO MDS AND I DO NOT CONSENT TO CONTRACT. MDS is now civilly liable to me under 15 USC 1692k.

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 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I didnt receive the promotional interest rate. Called multiple times. Received a letter to verify that I would get the promotion. Barclays keeps denying the request. 
Should have been a 0 % interest rate on purchase from XX/XX/XXXX - XX/XX/XXXX. 

See attached document for flyer and letter stating they will make corrections. 

Complaint # 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 monetary relief
Consumer complaint received 2022-03-20 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: LA

Complaint narrative:
I disputed inquiries on my report that I am not aware of. XXXX was the only company to delete the fraudulent inquiries. XXXX and Transunion did not. These are causing me to be declined credit that I need. I wish for them to go back in and verify the information as required by law and have the inquiries removed.

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 2022-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX, I placed an order on XXXX for a starter and related auto parts on order XXXX, I also placed order XXXX for additional parts for the starter. I took advantage of the Affirm offer of monthly installments for about XXXX per month in order to pay for these items. Affirm loan details are below : Loan Amount : {$100.00} TOTAL INTEREST ( 22.53 % APR ) : {$3.00} TOTAL OF PAYMENTS : {$100.00} LOAN ID : XXXX Because I returned all these items back to XXXX, I did not make any payments to the above loan. I have disputed this loan at least three times, with Affirm and I have provided the proof of the returns to XXXX. Nonetheless, Affirm keeps this account open and has filed a late payment report to the credit bureaus that has affected my perfect payment history for over 20 years!!! Affirm will not close this account and has asked me to pay the account in full during the investigation but there should be no investigation because I provided them with the information they need to confirm the items have been returned and close the account. Instead, they continue to attempt to collect on the account and have again, reported this incorrect information to the credit bureaus about this open account which now appears to be fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 days demand to comply with the credit bureaus and still have yet to receive a responds.

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