vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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: NV

Complaint narrative:
Disputed late payment dates on XXXX XXXX XXXX late payments. XXXX and XX/XX/XXXX XX/XX/XXXX, on XX/XX/XXXX after the dispute they changed dates arbitrarily to XXXX XXXX XXXX and XXXX of XXXX and also during that time. They completely changed late dates and added some. Also those dates I believe were deferred payments to due covid.

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 2022-10-26 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: CA

Complaint narrative:
Investigation took more than 30 days. letters were sent out on this date XX/XX/22

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 2022-10-26 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: NV

Complaint narrative:
Hello, so I was trying to pay for a subscription to watch anime show through XXXX so on the website it had a options to pay through XXXX I click that option when I get redirected to XXXX I could either use my XXXX card balance or add my banks debit card to my XXXX account. So I go to add my banks card I get denied twice. Okay so the third time I re put my debit card information on the XXXX website. I notice it asking for my last four of my social security number. At time I didnt think nothing of it. Because I thought XXXX wanted to verify that the debit card it mine. So once it click submit I received a notification about a hard inquiries from XXXX. so I dont have any credit. I have a clean slate. If I new it was a credit card application I wont put it through. And on that page it didnt ask me about no personal information like then you go apply for a credit card. It just ask for my debit card information. So I did end up calling XXXX customer service to ask about what had happened with my credit report a representative over the phone said he dont see me apply for a credit card or anything so he told me to call trans union and tell them to put it ask fraud because they cant find it.

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 2022-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cheadle Law Firm
State: TN

Complaint narrative:
To whom it may concern, I am concern i am contacting you regarding my complaint against Cheadle law ( XXXX XXXX ) Tennessee. They are handling a case with XXXX  XXXX. I borrowed a loan back in XXXX while leaving in XXXX Tennessee. It was a high loan .I don't remember how it was but i know it wasn't a XXXX loan that Cheadle law trying charge me i told one of the represent trying make payment plan and she was very mean and rude. I ask her how much the loan i borrowed and she said XXXX. the interest rate was XXXX and court cost lead up to XXXX. That was my total to pay ..I told her no one try to get intouch with me and she said they don't have to get InTouch to send you to court but i can make a pay arrangement. I don't remember borrowing that much money and i know XXXX  XXXX  sold the account and these people are scaming to get over XXXX dollars from me. This is outrage .they are adding unjustified amount to problem XXXX account are less. They are adding these fees with out any proof of the actual amount that was sent to them. That loan was taking out in XXXX i was making my payment on time i just had lost my job and my phone service and i had to move so i got in a bad debt. But still doesn't mean because i mess up that i have pay extra XXXX or more for it, then i try to make payment arrange with this law firm and still charging outstanding fees. the lady was rude and aggressive and hung up the phone. Not good customer services. My question is how problem XXXX loan or less and come out to be XXXXThey are get over and using they lawyers as intimidation. please hold the firm accountable for unfair practices.

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 2022-10-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Call from Navient. Called me 4 times on XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from phone number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
on XX/XX/XXXX I contacted 5th 3rd Bank Mortgage pay off Department. I asked them to send me a Mortgage Loan Pay Off letter and expressed to them that i was enclosing a settlement insurance check which i endorsed to PAY OFF MORTGAGE LOAN. 
I sent Check to Mortgage XXXX XXXX XXXX Department with Letter requesting Mortgage Loan be paid off. Check amount was higher than Mortgage Pay off amount, so i asked them to process Pay off and sent me back additional balance from check. I was told it will take XXXX to XXXX days for payment to be processed. Kept calling and after waiting over XXXX minutes on telephone and transferred to different people and getting disconnected and was told again that payment was being processed to wait another XXXX to XXXX days. Called up again and was told check had not been processed, that someone left it on hold but not to worry because in another XXXX days payment will be processed. On XX/XX/XXXX got an email from LOSS DRAFT DPT. asking me for information about repairs in my House. It was XXXX  and bank Mortgage Dpt. was closed. On XXXX XXXXXX/XX/XXXX around XXXX PM a Lady called me and told me i did not have to provide additional information because Mortgage was being paid Off. After Lady from back called me i started getting several emails asking for additional documents. 
Called Bank on XXXX XXXXXX/XX/XXXX around XXXX AM and again i was told no additional documents are needed to process Mortgage Pay Off. 
XXXX  XX/XX/XXXX got several emails asking me again to submit additional documents. 
This is ABSURD! They Cash Check and put it on an escrow account. Instead of processing Mortgage Pay Off and sending me overpayment money back to me. 
I don't understand why this people are withholding my money and are ignoring my request to PAY OFF MORTGAGE LOAN so many times. 
CAN YOU PLEASE! HELP ME! 
THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a personal loan with Citibank and this is the third complaint about the bank not crediting my payments. They failed credit my payments for the month of XXXX. I paid {$220.00} on XX/XX/2022 and {$220.00} on XX/XX/2022. Payment for this month is due on XX/XX/2022 in the amount of {$430.00}. My payments should satisfies this month however, they are saying Im pass due for {$210.00}. Please assist

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 2022-10-26 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: VA

Complaint narrative:
I initiated a complaint against XXXX  XXXX XXXX in ( XX/XX/2022 ) questioning whether I agreed to a payment arrangement that destroyed my good credit. I made this complaint to the XXXX credit agencies, XXXX, TRANSUNION AND XXXX who came back and verified that I indeed agreed to a payment arrangement that destroyed my good credit without providing information on this verification. There is no evidence with my signature and/or voice recording that will substantiate a verified claim. So how did these agencies verify this complaint?

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 2022-10-26 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: VA

Complaint narrative:
I initiated a complaint against XXXX  XXXX XXXX in ( XX/XX/2022 ) questioning whether I agreed to a payment arrangement that destroyed my good credit. I made this complaint to the XXXX credit agencies, XXXX, XXXX AND EXPERIAN who came back and verified that I indeed agreed to a payment arrangement that destroyed my good credit without providing information on this verification. There is no evidence with my signature and/or voice recording that will substantiate a verified claim. So how did these agencies verify this complaint?

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 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
My information was exposed on the XXXX XXXX  and I am a victim of identity theft. Fraudulent accounts were opened using my name that was not me nor do I have any knowledge of. These accounts are ; XXXX XXXX opened on XX/XX/XXXX with balance of {$9300.00} XXXX XXXX XXXXXXXX opened XX/XX/XXXX with balance of {$1100.00} XXXX opened on XX/XX/XXXX with balance of {$3700.00} XXXX XXXX opened XX/XX/XXXX with balance of {$9400.00} I filed a police report ( XXXX XXXX  XXXX ) to report this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This company is charging me outrageous amount $ XXXX {$7100.00} on an automobile which I no longer have in my possession due to an accident. The information they have provided is confusing and I do not agree. I reached out to this company to try to rectify this account but I am not getting anywhere. Santander reported this account to my consumer report which is reporting errors and I am totally concern with how the bureaus are letting this happen. 

I request an investigation on this account back in XX/XX/2022, but I am only receiving a computerized template from the bureaus stating verified which is not providing me sufficient information on this account. This account should not be reporting on my consumer report with all the inaccurate information. 

This account is chargeoff but still reporting a past due amount which is a violation of From my understanding this company Santander been getting away with sabatoging peoples consumer report by reporting misleading and false information. They were sued XXXX years ago for this practice. 

15 U.S.C 1681a ( 2 ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: SC

Complaint narrative:
Received a validation notice from Medicredit regarding an outstanding balance to XXXX XXXX XXXX XXXX XXXX. When I received a bill originally from XXXX, I requested an itemized bill by calling the number on the bill. When I asked what it was for, I was told they didnt know. My healthcare providers are with XXXX XXXX so I was surprised to get a bill from XXXX. No itemized statement has been to date provided. 
I responded to Medicredits validation notice with a written dispute and requested an itemized statement of charges to figure out what this is for. 
Today, I received a letter from Medicredit indicating they conducted an investigation and that the balance is correct. No itemization was provided per my request. No explanation as to what the bill is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased a vehicle and it was repossessed/stolen on XX/XX/XXXX. XXXX XXXXwithout following legal proceedings accordingly and sold the vehicle on XX/XX/2022. I sent a Cease and Disease but they responded only to say they did nothing wrong and did not answer the affidavit of truth and are continually trying to collect on a debt that, I the Living person do not owe. I receive a letter of balance I should pay after the sale of the stolen vehicle dated XX/XX/2022

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 2022-10-26 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: IL

Complaint narrative:
i contacted all 3 credit bureaus on XX/XX/2022 asking them to verify the accounts and debts on my credit reports due to the fact that i noticed some inaccuracies on my reports the responded telling me that they have verified my reports and yet there are still some inaccuracies on my credit reports the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE TO 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 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: IL

Complaint narrative:
i contacted all 3 credit bureaus on XX/XX/2022 asking them to verify the accounts and debts on my credit reports due to the fact that i noticed some inaccuracies on my reports the responded telling me that they have verified my reports and yet there are still some inaccuracies on my credit reports the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE TO 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Investigation took more than 30 days. letters were sent out on this date XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Investigation took more than 30 days. letters were sent out on this date XX/XX/22

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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a call on XX/XX/XXXX from Capital one, confirming I was attempting to open a credit card, which was not me. Capital one reported it as fraud and did not accept the application. The application was online in XXXX CA. Please help me find who did this and continues to attempt to open cards in my name..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was a victim of identity theft/fraud. I lost my bank card while on vacation in XXXX. I received a notice from bank of America, stating my account was overdrawn. I went in branch to investigate, and was advised there were fraudulent checks going through my account and XXXX was returned for forging signature. The account was closed and my cards shutdown. Even though they know my card was stolen, I was forced to pay the overdrawn amount which was {$9700.00}. Now, on my XXXX and XXXX systems credit file and report, its showing that I was committing checking account fraud. I contacted bank of America and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. i have written multiple letters to XXXX XXXX and XXXX, providing proof that i did non of the transactions and I have no knowledge of if, I lost my card and this has been the pending result, they either send me back to bank of America or say the information is correct. either way I keep getting the runaround. I asked for details example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day, they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over 10 years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked even paid the balance, I wrote, called, plead n begged. I'm at my last resort now, I'm tired of the back and fourth honestly. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. 
Any proof or additional information you need please don't hesitate to ask I'm a hard working honest young man, no arrest or criminal history. 
Thanks in advance XXXX Institutions are bank of america-checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have a savings account with USAA that I can not access. 
I need a certified check because the bank no longer has branches in VA, I changed my cell number, and the authentication requires a security code be sent to the phone number in my profile. 

I have gone through the prescribed process of submitting my drivers license through the USAA.com/verify site 5 times and reached out to the bank for the past XXXX weeks. 

I need to make a payment and have not received help from the bank. I have an ATM card from the bank that does not meet their requirement for verification purposes because the card does not have the security code. I need to gain access to my account. I now have a URGENT need for funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I reported unauthorized transaction on my debt card to Wells Fargo bank on XX/XX/12 and was issued a temporary refund in the amount of {$3500.00}. I called Wells Fargo by the ends of 30 days and was told the refund is completed and case closed. I had a missed call from Wells Fargo Friday at XXXXXXXX XXXX on XXXX XXXX, I called back Monday XXXX XXXX and was asked that the business has your info, do you still believe the transaction is unauthorized? and I said yes, I have a receipt from the business that I paid the charges and I also told the bank that you told the case closed. Later on XX/XX/XXXX, I received a 2 line letter stating that the amount will be reversed on XX/XX/XXXX. I called many times and complained but they kept telling me the case closed with no explanation of any kind as it why and what happened to the legal time frame of the dispute. Now my account is negative {$3700.00} with fees.

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