vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I entered into a consumer credit transaction with TD Bank XX/XX/2019. A consumer credit transaction is a transaction which a finance charge is involved. Pursuant to 15 usc 1605 A finance charge is the sum of all charges in a consumer credit transaction. Because I know a finance charge is the sum of all charges I was not expecting to put {$500.00} down to extended credit.

TD BANK N.A has furnished bad debt on my consumer report which is ruining my reputation, and it is defamation of character. Which is a violation of 15 usc 1692d
( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suntrust decided to close my account because my wife deposited her check in it and they took that as fraud! This bank told me that the account is under review and they will close it and send me a check for the balance and I have not received anything. I have spoke to many supervisors and they keep giving me the run around! I am not rich and now they have held three of my paychecks because they have not closed the account as they said they were doing over two weeks ago! I have kids and bills! This is crazy! Especially in this pandemic people need there hard earned money! They are not allowing me to take out money but they sure are quick to keep the deposits! The people I spoke to treated me like someone from the street with zero respect nor understanding. I want my money now! Stay clear of Suntrust! This has been going on since XX/XX/2021!

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 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been sending you a letters regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX  data breach and its your obligation to fix all these errors.

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 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been sending you a letters regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Advanced Collection Bureau, Inc.
State: SC

Complaint narrative:
Advance Collection Bureau XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/2018 Advance Collection Bureau added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$2100.00}. After further review I realized that the DOLA date on the account was inaccurate across all credit bureaus, which should not occur. The Fair and Accurate Credit Reporting Act ( FACTA ) protects me from having erroneous or false derogatory info be posted on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have filled a dispute for {$490.00} on XX/XX/2021. and my balance was just XXXX then on next morning my again balance was - {$490.00} instead of {$1.00} I chatted with an agent to solve this the say investigation team has charged u XXXX $ means I don't understand I have already disputed {$490.00} and gain on next everyday dispute team charge me {$490.00} again making my balance - {$490.00}

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 2021-08-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
I, consumer, entered a consumer credit transaction on XX/XX/2021 with Caliber Home Loans / Mortgage Connect, LP. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges and include insurance, but Mortgage Connect, LP made me purchase insurance separately. Furthermore, Caliber Home Loans, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction including my right of rescission pursuant to 15 U.S. Code 1635 which states When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Furthermore, pursuant to 15 U.S. Code 1635 ( b ) : within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Attached below, my rescission notice dated XX/XX/2021. 

It has been 30 days, no title of deeds has been received and no communication other than debt collection calls at all times of the day which are direct violations of 15 USC 1692d ( 5 ) and crime pursuant to 15 USC 1611. Attached are proof of calls and voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: WI

Complaint narrative:
Several letters have been written and sent to Transunion, XXXX  and XXXX  in regards to the following duplicate accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The letters dated XX/XX/XXXX have been sent certified mail and more than 30 days have went by with no response from all. Proof will be attatched. 

1. XXXX ; Account # : XXXX ( reporting on XXXX  ) 2. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  I ) ; Account # : XXXX ( reporting on Transunion , XXXX  ) 3. XXXX ; Account # : XXXX ( reporting on Transunion , XXXX  , XXXX  ) 1. Sent certified mail to XXXX  for accounts XXXX ; Account # : XXXX AND XXXX  XXXX Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX 2. Sent certified mail to Transunion for account XXXX  ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX 3. Sent certified mail to XXXX  for account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX Outside of having proof that several letters have been sent and ignored this is a FCRA VIOLATION to have the same account reporting multiple times. 

There are also several errors amongst the same exact accounts as follows : XXXX. XXXX ; Account # : XXXX ( reporting on XXXX  ) is reporting a high credit of {$9200.00} AND XXXX  ; Account # : XXXX ( reporting on Transunion, XXXX, ) is reporting a high credit of {$18000.00} 2.XXXX ; Account # XXXX XXXX ( reporting on Transunion, XXXX, XXXX  ) ; Transunion and XXXX  are reporting a high credit of {$18000.00} and XXXX  is reporting a high credit of {$0.00}. 

3. The date of last active are reporting different dates between all 3 of the same accounts. Makes absolutely no sense.

4. The date of last payments differ between all 3 of the same accounts. For example ; XXXX ; Account # : XXXX ( reporting on XXXX  ) is reporting date of last payment as XX/XX/XXXX AND XXXX ; Account # : XXXX ( reporting on Transunion, XXXX XXXX ) XXXX is reporting date of last payment as XX/XX/XXXX. 

THERES WAY TOO MANY ERRORS THAT I CAN GO ON AND ON ABOUT. AND THESE ARE SUPPOSED TO BE THE SAME ACCOUNTS??? HOW??? THERE IS NO POSSIBLE WAY THESE ACCOUNTS WERE VALIDATED AND VERIFIED FOR ACCURACY. DELETE ALL 3 ACCOUNTS

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 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I received a concerning call today from an unknown NY number. I picked up and the lady asked " Is this HSBC? '' and I was puzzled. I said " No, are you HSBC? ". She replied " No, I'm an HSBC customer ... I was given this number to call by an HSBC employee. '' It is very, very concerning that my personal phone number was supposedly given out to another HSBC customer. Error or not, that is an absolute violation of customer privacy and potentially illegal.

The lady did NOT ask me any questions or try to get ANY information from me, which leads me to believe she was not a fraudulent caller or scammer. I've had my fair share of scammer calls and I know when something is an accidental call vs. a scammer and this was certainly the former.

HSBC needs to be investigated immediately for their practices on using consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of a
ny debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was vacationing in the XXXX XXXX from XXXX and on my way back home I lost my phone. Whomever found my phone hacked into all my bank accounts and social media. They changed my social media passwords, email addresses and sent money to people from my accounts. They also started running a scam from my social media page saying you could get a hefty return from a small investment. My friends and family called my fiancee asking what was going on my social media. When I was made aware of everything I called all my financial institutions and advised to block all of my accounts and credit cards. When I spoke to chase I advised that the XXXX payments and the XXXX XXXX was not made by me. I went in to the Chase Branch in XXXX and spoke to a rep. who helped me close my existing account and open a new one. They temporary refunded the credit, however 2 days ago they reversed it. They said according to their records facial recognition was utilized and they do not believe me. I supplied proof of my vacation, emails I sent to instagram about the hack and screenshots I obtained from my family and friends showing the person was conducting a scam using my personal information. When I finally regained access to my icloud email account.. I supplied them with an email that said my account was logged into from XXXX However, I was not in XXXX on XX/XX/21, but I was not, that was the same day I come back home from XXXX XXXX. I also advised my XXXX transaction are consistent ... I always send it to people in my contact list and I have never had an issue like this. What is the point of using a financial institution if I am not protected in any way. Nowadays, nothing is unhackable or fraud proof and they refuse to help me or look into it. In addition, when I filed the claim the fraud representative advised this should be relatively easy because the person who it was XXXX to also had Chase. Chase has not looked into the claims any further nor done anything to suspend the other person 's account considering they are committing fraud from their banking platform. I have have always banked with Chase ... first through my personal accounts and then with my business. I do not know how they are not doing anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: LA

Complaint narrative:
I am reporting identity theft. I pulled my credit report and noticed I have items and accounts that are fraudulent and I am requesting for it to be removed from 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 2021-08-13 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:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
On XX/XX/2020 Midland Credit management added a derogatory mark on my credit report per XXXX XXXX which was sold/transferred to them by XXXX XXXX XXXX. I am no longer responsible for this account. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. according to FCRA, Midland Credit has violated my rights as a consumer and I am requesting legal action to remove the account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I entered into a consumer credit transaction with Wells Fargo XX/XX/2016. A consumer credit transaction is a transaction which a finance charge is involved. Pursuant to 15 usc 1605 A finance charge is the sum of all charges in a consumer credit transaction. Because I know a finance charge is the sum of all charges I was not expecting to put {$300.00} down to extended credit. XXXX XXXX XXXX has furnished bad debt on my consumer report which is ruining my reputation, and it is defamation of character. Which is a violation of 15 usc 1692d ( 1 )

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 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This company calls my phone XXXX XXXX times a day and every time they call it starts at XXXX XXXX. I spoke to a representative who wasn't too worried about the fact that they are calling in violation of FDCPA his biggest concern was trying to get an alleged debt resolved. I informed him they were calling prior to the allowed time he said it didn't matter and that they do this all the time. 

I informed him this wasn't my debt and he said they will continue to call and hung up. They have continued to call daily and all before XXXX XXXX 

The company calls from different numbers but they all lead to the same company.

Company response to consumer: Closed with explanation