vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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: GA

Complaint narrative:
My name is XXXX XXXX. XXXX ... .I have been a victim of Identity Theft and there are fraudulent accounts being reported on my credit reports. This has been an ongoing problem and I have taken all of the proper steps to remove these fraudulent accounts and protect my identity yet I am getting no response or help from either of the XXXX Credit bureaus ... .EXPERIAN XXXX XXXX XXXX XXXX. I have proven that these accounts are fraudulent... .sent in police reports and Identity Theft affidavits... .the privacy laws set forth by the XXXX to protect me the consumer are clear but as you already know... Credit is big business and the Credit bureaus doesn't have the consumer in their best interest per your report the Bureaus break the law blatantly on a regular basis please review the attached documents.

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/2022, I opened a Chase checking account in XXXX, XXXX Also, on that date I deposited XXXX checks, XXXX for {$2700.00} and the other for {$1400.00}. Both checks were put on hold, but both checks cleared by XX/XX/2022. 
On XX/XX/2022, I became locked out of my Chase checking account. I called Chase, and they told my that they froze my account because they suspect fraud. Both checks are legitimate, and XXXX is from my current employer which has more than enough funds to cover the amount of the check. The only thing suspicious is that it is a new account. The checks are from Chase and XXXX XXXX, both real banks with real accounts. 
At this point, I do not have access to my Chase checking account or the money in the account. I don't have a way to deposit the checks in another account because the checks are frozen by Chase. 
At this point, I would be out of {$4200.00} without a resolution. The deposited checks are not fraudulent, but Chase said that they could keep the account frozen indefinitely. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Requested validation of debt via mail directly to company and bureaus. Did not receive reply to anything. Debt is still listed on credit with incomplete account number, incorrect mailing address and other inaccuracies. It has been well over 60 days without a response. Ive requested this to be deleted from my 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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX we realized that a check we had written for {$1000.00} had been stolen and cashed XXXX weeks earlier. The name of the recipient was changed and the amount was changed to {$18000.00}. The name of the thief and his bank account were clearly legible on the check. Our bank was Sun Trust. We alerted them immediately. More than XXXX months later Truist has not credited our account for the check. Nor have they attempted to investigate the fraud or contact us. They claim that there are problems merging the Suntrust and Truist systems. This is inexcusable. We are owed that money and it needs to be credited immediately. Truist has provided horrible customer service -- waiting hours to reach a person on their call lines -- and bank representatives in person who say they are helpless to assist. This is our XXXX  complaint to the CFPB.

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 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was unable to log in to the website and the stores were closed The customer service lines were down. Suntrust was changing to truist and there was a glitch in their system. I was unable to manage my account and when a {$1.00} recurring fee processed into my {$0.00} balance I incurred fees. About XXXX fees rapidly rapidly got charged on to my account and I tried to resolve the issue online and on the phone for weeks before going into the local branch. The manager told me that they would close my account and I wouldn't have to pay that fee amount. A month later I got a bill from collections. I sent them the document from suntrust that showed my account was closed. I also called them and yelled at them for not answering. I told them to look around and protect any other low $ accounts that were abused in this manner.

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 2022-03-24 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: GA

Complaint narrative:
My name is XXXX XXXX. XXXX ... .I have been a victim of Identity Theft and there are fraudulent accounts being reported on my credit reports. This has been an ongoing problem and I have taken all of the proper steps to remove these fraudulent accounts and protect my identity yet I am getting no response or help from either of the XXXX Credit bureaus ... .EXPERIAN XXXX XXXX XXXX TRANSUNION XXXX I have proven that these accounts are fraudulent... .sent in police reports and Identity Theft affidavits... .the privacy laws set forth by the XXXX to protect me the consumer are clear but as you already know... Credit is big business and the Credit bureaus doesn't have the consumer in their best interest per your report the Bureaus break the law blatantly on a regular basis please review the attached documents.

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 2022-03-24 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: GA

Complaint narrative:
My name is XXXX XXXX. XXXX ... .I have been a victim of Identity Theft and there are fraudulent accounts being reported on my credit reports. This has been an ongoing problem and I have taken all of the proper steps to remove these fraudulent accounts and protect my identity yet I am getting no response or help from either of the XXXX Credit bureaus ... .XXXX XXXX EQUIFAX XXXX XXXX XXXX I have proven that these accounts are fraudulent... .sent in police reports and Identity Theft affidavits... .the privacy laws set forth by the XXXX  to protect me the consumer are clear but as you already know... Credit is big business and the Credit bureaus doesn't have the consumer in their best interest per your report the Bureaus break the law blatantly on a regular basis please review the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Employees in XXXXXXXX XXXX XXXX and EQUIFAX iT services are posting wrong information and not removing the paid off Zero balance paid off account from XXXX XXXX XXXX XXXX. If I call them and as, they say we keep it and allow it to drop itself after some years. This is completely a scam inside credit Bureau, creating age groups are targeted, especially older generations My credit points showing XXXX in these two and XXXX in XXXX  Please look into this matter seriously and remove dead accounts. Pls stop age profiling

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Closed collections account was sold to I C SYSTEM and reopened without notification of right to dispute.

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I sold a product online. The buyer deposited {$5300.00}, cash, into my business account. My business name is XXXX XXXX XXXX XXXX. When TD Bank confirmed the cash was in my account, I released the product to the buyer. Some days later, my account was frozen. I then learned that TD had reversed the deposit and taken the {$5300.00} out of my account. 

I never got a single correspondence from TD, not XXXX. No call, no email, no letter, nothing. I reached out to TD and they refused to give me any information. They said the deposit was " suspicious '' and they were " investigating ''. A few weeks later, I got a call from my local branch manager, who ( gleefully ) told me I was a scammer and they were keeping my {$5300.00}. They refused to give any details, any reason for keeping my money, no results of any investigation, nothing at all. I made several calls to TD corporate and could not get any information or resolution. 

The theft occurred in Union, XXXX, so I filed a report with the XXXX XXXX police department. TD stonewalled the police and would not give any information. They got XXXX and discovered there was never any investigation and they would not tell the detective why they took my money. 

After many months and XXXX the detective was able to determine that another person was involved in the scam. This other person was given a bad check to deposit and was told to deposit the {$5300.00} into my account, after which the bad check bounced. TD chose to give this person their {$5300.00} back, making me the victim of the scam. If this other person got into some money-making scam, why did they make me the victim? 

How can TD Bank take {$5300.00} cash out of my account and never contact me, never explain anything to me or even take my calls? 
It appears to me that the managers of the XXXX XXXX XXXX  XXXX are in on the scam and TD bank is protecting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: RC Willey
State: CA

Complaint narrative:
On XX/XX/2022 I was contacted by XXXX XXXX XXXX, on behalf of RC Willey for an attempt to collect a debt for a furniture credit card. I had a balance that I had not been able to stay current due to me incurring an injury while at work which caused me to go out on leave and I was not paid by my employer while out on leave. I kept RC Willey informed the entire time. On this specific date I spoke with XXXX XXXX who informed me that as long as I made the payment in full within 45 days of the collection account being sent to XXXX XXXX it would not negatively affect my credit report. On XX/XX/2022 I made a payment of {$300.00} and set up an authorization for them to process another payment on XX/XX/2022. I checked my credit report on XX/XX/2022 and RC Willey reported that the account had been closed with a balance and sent to collections, so I followed up with XXXX XXXX XXXX and spoke with a representative XXXX XXXX to inform him of the conversation between XXXX and myself he informed me that he would have his supervisor listen to the call and the supervisor would call me back but I have yet to hear anything from the company I also reached out to RC Willeys credit reporting department and spoke with a woman named XXXX and she advised me that they dont have the information from XXXX XXXX XXXX at this time to be able to report to the credit bureaus accurately which should not negatively affect my credit reporting as the account has been paid off in full. I request to have this information adjusted accurately and removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
I was a co-signer for my daughter 's student loan. I paid off the entire amount on XX/XX/2022 because my daughter was having great difficulty paying off her loan. I was due to receive a pay-off letter 30 days after it was paid, but as of this date, I have not received the letter. I called American Education Services Customer Service Department on the first week of XXXX and was told that the letter was sent. However, I never received the pay-off letter. I called again after one week and they again stated they sent the letter and will send another one. Again, I never received the letter. I called again ( 3rd time ) last week and they again claimed it was sent. As of the day of this complaint, I have not received my pay-off letter despite that all my contact information is correct. I stated that since I paid-off the loan in its entirety, I am entitled to a pay-off letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: ME

Complaint narrative:
Collection showed up on my report that I dont recognize I called the co. He proceeded to ask information from me but never told me who I owed when he asked for my ssi number and birthdate I hung up. The co is credit management Lp Ive since looked them up and now know its a scam I dont know how to get it off my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I made a payment to my capital one savor XXXX card for {$190.00} using my debit card. Capital one has always made credit available for use immediately when using this method. However this time it wasnt available. I waited till the next day thinking it just needed to process overnight. Still nothing. On XX/XX/XXXX I made an additional payment of {$69.00} using my debit card again. The available credit still didnt change. I contacted customer service and spoke to an extremely rude supervisor who informed me that my payment was being held for XXXX XXXX days and there was nothing they could do. This payment was made with a debit card, the money is immediately withdrawn from my account. Why is it being held that long? No one could tell me and now I have {$300.00} held up not able to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: States Recovery Systems, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I was contacted by states recovery system, on behalf of XXXX XXXX for an attempt to collect a debt for a furniture credit card. I had a balance that I had not been able to stay current due to me incurring an injury while at work which caused me to go out on leave and I was not paid by my employer while out on leave. I kept XXXX XXXX informed the entire time. On this specific date I spoke with XXXX XXXX who informed me that as long as I made the payment in full within XXXX days of the collection account being sent to states recovery it would not negatively affect my credit report. On XX/XX/2022 I made a payment of {$300.00} and set up an authorization for them to process another payment on XX/XX/2022. I checked my credit report on XX/XX/2022 and XXXX XXXX reported that the account had been closed with a balance and sent to collections, so I followed up with States recovery system and spoke with a representative XXXX XXXX to inform him of the conversation between XXXX and myself he informed me that he would have his supervisor listen to the call and the supervisor would call me back but I have yet to hear anything from the company I also reached out to XXXXXXXX XXXX credit reporting department and spoke with a XXXX named XXXX and she advised me that they dont have the information from states recovery system at this time to be able to report to the credit bureaus accurately which should not negatively affect my credit reporting as the account has been paid off in full. I request to have this information adjusted accurately and removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter 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 explanation
Consumer complaint received 2022-03-24 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter 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 explanation
Consumer complaint received 2022-03-24 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: FL

Complaint narrative:
I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MA

Complaint narrative:
XXXX Called and was placed on hold for XXXX hours then and left message regarding monthly payments that are starting XX/XX/XXXX that I can not pay. 

XXXX filed complaint with Massachusetts attorney general, have not heard back XXXX called XXXX XXXX XXXX for XXXX XXXX and gave financial statement, my co-signers have tried to call to give their financial statement multiple times and they keep being sent to the person I talked to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief