vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello I am having an issue with Equifax XXXX and XXXX. Please note that I have three accounts reporting as negative on my credit report one XXXX XXXXXXXX is reporting as an installment and it is not an installment account please remove this from my credit report immediately. The next two which is XXXX and XXXX XXXX is in clear violation of 15usc 1681e-d. Time and time again I have sent numerous letters and these accounts will blatantly ignore me. The first time they did not notate the account I have been sending letters since XXXX of 2021 they just notated the account about a month ago which is a clear violation of the Fair Credit reporting Act. I ask that these two accounts be removed from my credit report immediately. I will also be filing a complaint with the FTC because this is being ignored with numerous attempts to resolve. The companies have also failed to provide the authorized agreements creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX or XXXX XXXX. That means I have no contractual agreement to pay then an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners
State: IL

Complaint narrative:
My name is XXXX XXXX not XXXX XXXX. When I called for the third time " XXXX XXXX XXXX XXXX  '' to dispute this false allegations made. I said I have full medical benefits I pay nothing out of pocket, so if this was me in Florida I wouldn't have a bill. She said to me, We all ready charged your insurance!!! They charged my insurance on a false identity, I have notified these people 3 times that this is Fraudulent. Then ask me to pay them the remainder. I am a single Mom working full time in XXXX. I don't live in Florida. This is not me. They keep calling and sending mail. She asked me for money when she knows the account is fraudulent and that they already charged it to my insurance. 

Thank you for your time : )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2022-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: PA

Complaint narrative:
I entered into a payment plan to pay off a copay balance with XXXX XXXX on XX/XX/2021. The plan was for two payments of {$84.00}. One payment was automatically withdrawn in XX/XX/XXXX and the second on XX/XX/XXXX. Both payments are reflected on my health savings account summary. Last week I received a collections notice from Credit Control , LLC indicating I failed to make the second payment and they were therefore attempting to collect a debt of {$84.00} owed to XXXX 
I tried dealing first with XXXX billing and they merely had me email proof of the payment and said theyd let the collections company know I was disputing the debt. Not trusting XXXX, I reached out to XXXX XXXX myself to inform them that there is no debt and to provide proof that I had paid the sum theyre trying to collect. They told me they will not accept proof of the payment from me and would just list the debt as in dispute for the next 30 days and wait for XXXX to sort it out. And if XXXX doesnt tell them the debt wasnt legitimate, they continue their attempts to collect and ultimately send this to the credit bureaus if I dont pay. They refused to accept proof that I had paid the bill they are attempting to collect. They gave me two options only : pay or dispute. 
Despite spending nearly a week emailing with the XXXX billing department, Ive gotten no where other than answering the same questions over and over and providing the same information over and over. The billing department only corresponds by email and I get a different person every time I try to follow up and they then repeat the same questions Ive already answered. Today, the best I got was the information was being forwarded to the investigational team except that should have already been done by any of the other people I previously spoken to. Given that XXXX is doing nothing to resolve this, I am concerned for my credit over a bill that I paid. Its incredibly troubling to me that a collections company can refuse proof that the bills they are attempting to collect on have been paid. And they seemed incredulous that Id suggest that they may have liability for refusing proof I have paid the debt theyre threatening to ruin my credit over.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Pursuit to 1B USC I Owe no debt This company is violating my consumer right to privacy pursuant 15 usc 168 1 B 2 company also has no permission to report anything using my personal information pursuant to 15 usc 16814

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 2022-01-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2022-01-26 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: SC

Complaint narrative:
I was taken advantage of due to malpractice while SEVERAL laws have been broken under the FCRA by your company. This has cause financial injury, defamation of character a loss of my security clearance, I cant apply for credit and in a hotel because im unable to secure rent. Ive placed fraud alerts on my account theres countless inquiries I didnt do 2 fraudulent credit cards which dont belong to me that havent been verified and the burueas have made a mockery of my reports. I wasnt even able to obtain an XXXX loan during the pandemic while trying to secure funding for my business I created due to the fact that I couldnt get hired into my field of study because it requires a clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: SC

Complaint narrative:
I was taken advantage of due to malpractice while SEVERAL laws have been broken under the FCRA by your company. This has cause financial injury, defamation of character a loss of my security clearance, I cant apply for credit and in a hotel because im unable to secure rent. Ive placed fraud alerts on my account theres countless inquiries I didnt do 2 fraudulent credit cards which dont belong to me that havent been verified and the burueas have made a mockery of my reports. I wasnt even able to obtain an XXXX loan during the pandemic while trying to secure funding for my business I created due to the fact that I couldnt get hired into my field of study because it requires a clearance.

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 2022-01-26 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: NC

Complaint narrative:
YOU BROKE THE LAW!!! 

Dear Transunion, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system depends upon my consumer reports being fair, and accurate to me. Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 2 ) congress make it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 usc 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, causing mental anguish and deep XXXX. I have been unable to get a job because of you assuming this role. 
Pursuant to 15 usc 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction even took place. You are also impartial, because you allowed information to be reported while only hearing one side of the story.You also infringed on my privacy.by having a conversation about me with a third party and reporting this information as a result of this third party. I am demanding that this information be removed as soon as possible. 
Pursuant to 15 usc 1681 ( a ) ( b ) You did not meet the needs of commerce this was NOT fair and equitable to me. This information is NOT accurate.

You are in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction, Which you would not know because you were not there, it would be a transaction that solely took place between and the person that allegedly made this report. So pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my report. 


ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : 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 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I received several emails from TD bank stating '' thank you for opening up a checking and savings account with them '' I called the bank fraud department to submit a complaint and put a stop to any service rendered. I'm submitting this complaint because TD bank allowed accounts to be open easily without taking extra steps with a person identity or social. I never in person open any accounts with TD banks and for them to allow fraud to occur with their bank so easily is very upsetting. Please handle this issue. I work to hard for me to go through fraud thefts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CADENCE BANK
State: FL

Complaint narrative:
Hello, My ex and I recently refinanced a home. I was to sign a quit claim deed removing myself from title prior to closing. The loan officer refused to send me a copy of the closing disclosure even though I wasnt removed from title at the time of closing. 

I brought this to the attention of the closing agent, XXXX XXXX XXXX in XXXX, Alabama. The closing agent wouldnt help me and actually let them proceed with the closing without me even signing the quit claim deed. 

I was given a copy of the closing disclosure after my ex insisted that his loan officer, XXXX XXXX at Bancorpsouth, send me a copy. 

I worked in mortgage for years and I know that all parties on title are to receive a copy of the closing disclosure at least three days prior to closing. I am writing to complain because I dont understand how they were allowed to close before I even signed the quit claim deed or received a copy of the disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Hi, Can you please help me ask TD Bank to close my checking account? I opened an checking account online with TD Bank. TD bank has never allowed me to really use it. So I asked TD Bank to close the account. TD bank refused and keeps charging me $ 25 monthly fee. 

Here is more detail : I opened an checking account online with TD bank in XX/XX/XXXX. I was then not allowed to use the account. TD bank asked me to go to a TD bank branch. I can't go as the nearest branch is like five hundred miles from me. So I asked TD bank to close the account. In XX/XX/XXXX, TD bank told me the account was in the process of being closed. However, when I checked it today ( XX/XX/XXXX ), the account is still there now and it keep charging me $ 25 monthly fee. I called TD bank again, TD bank now refused to close the account and said I have to go to a branch and pay the monthly fee for the account I have never been allowed to use. 

Thanks for you help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I noticed multiple inquiries on my report I do not recognize

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 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was recently trying to settle charged off account with a company called Oportune. 
During XXXX, covid hit my family and myself and I was devastated financially. I was out of work and unable to pay back my account and as a result was charged off in XXXX of XXXX as bad debt and written off due to natural disaster. The original amount was {$2100.00}, but they balooned it up to {$2900.00} in 5 months. 

My family still sits in peril after the results of losing lives and jobs due to XXXX, but I want to move on. Oportune agreed to settle and already charged off account in the amount of {$1000.00}. which the asked me to agree to by XX/XX/XXXX. I sent them an email and text agreeing to the settlement before the deadline and when i called to pay they denied any agreement and told me only the full amount would be accepted. I just wish to pay the amount the offered immediately and have this account settled as they themselves proposed, not me. All I want them to do is honor the settlement offer they proposed and get this over with. My family has been devastated enough and this would be a start in the right direction. Attached are copies of the email and my response to the email they deny getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suntrust ( now Truist ) abolished all checking account types and imposed new ones ( much higher minimum deposits ) as soon as the merger with a large North Carolina bank was approved more than a year ago. It also added a raft of new hidden fees, which I specifically asked about but was assured there were none. 

The most galling is a {$5.00} a month charge simply because I download account information from the bank to XXXX. This was provided free for decades under the SunTrust banner. And suddenly became an exhorbitant monthly fee when I was forced into a new type of checking account post merger. I complained and was told " Oh, that had been waived previously but since you have a new type of account ( which I had no control over ) we are charging you now. '' This is beyond outrageous for something that is totally automated, had been automated for decades and requires no human intervention or effort on the part of the bank. 

Yet another hidden fee concerns simply writing more than 5 checks ( which includes autopay accounts involving no checks and ATM withdrawlas -- ANY withdrawal ) per month. Also did not exist previously. 

In essence, simply using a bank as a bank now incurs fees, even if you maintain minimun deposits and meet minimum auto deposit criteria. 

Please stop these abusive 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 2022-01-26 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: GA

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: GA

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had an account with Citizen 's bank for years. I was hit with numerous overdraft fees of $ XXXXtransaction and {$30.00} each sustained negative balance in XXXX, XXXX, and XX/XX/2021. Every time I had a fee hit, I had a positive balance in the account, it would deplete my account into the negative, and eventually was unable to continually argue with he bank about these fees, and I was left with a negative balance. All of these overdraft fees amounted to {$870.00}. The account was closed by they bank, and I have been left to repay the fees monthly.

Company response to consumer: Closed with monetary relief