vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
This is the following complaints ( XXXX, XXXX ) because none of my questions were answered which means did not investigate. 
I will answer the discover statement too why it is a false accusation in the first place before I take legal action. 

XXXX*1. Discover stated " Additionally, our records confirm that we attempted to contact you by phone 99 times from XX/XX/2020 to present to assist in the repayment of your account. Please see the details to my investigation below '' => I closed my Discover card on XXXX XXXX. so your accusation is false which is fraud too. ( I attached the e-mail of closure that you guys sent me for the complaints before ) => I told you guys I can not be reached any longer from XX/XX/XXXX that is why I wanted to pay ahead. If you guys investigated, you are supposed to have that in the file as well XXXX XXXX asked million times that I want to see all the transactions of {$220.00}. please show me and tell me what are the transactions because I was not even in the United States and closed the account. so I really want to know what are the transactions. ****************************************** Please refer this from Discover statement. 

" I wanted to see the transactions On XX/XX/2020, your above-referenced payment in the amount of {$220.00} was returned unpaid as your external financial institution advised that the account was closed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: NJ

Complaint narrative:
On XX/XX/2021, I XXXX XXXX the one who's credit is at question, wrote Equifax about a violation of the United States Code Law. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports To date, I have not received a reply or any acknowledgment that the deletion has begun. Please see my reasons for dispute below : 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. XXXX XXXX Account # XXXX As a consumer by law, this account listed must be deleted immediately. There is NO Third Party involved. I authorized XXXX  to investigate 2 times already, however there is nothing to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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:
On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called Transunion, XXXX, and XXXX  to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I procrastinated for a few months and fast forward to XXXX I filed a FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.

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 2021-08-27 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:
On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called XXXX, XXXX, and Equifax to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I procrastinated for a few months and fast forward to XXXX I filed a FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XX/XX/2021 I started working with Ally Financial Inc 3rd party for a car loan. 
The debt was settled and taken care of on XX/XX/2021. On XX/XX/2021 a letter was sent to me. On XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX I contacted Ally Financial for a letter just to show that the debt was settled. 

I did a conference call, I wrote on XXXX, I emailed and have yet to get the letter.

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 2021-08-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
i check my report and these. inquiries were there without my permission please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: CA

Complaint narrative:
I had a gym membership with XXXX. They claim that after the second month of me having the membership that they couldnt collect any money from me. I had used the gym for a couple of months prior to the pandemic so if it were true that that were unable to collect any money from me they wouldnt have let me in. I have printed my financial documents to reflect the payments they pulled from my account. During the pandemic after a year of having my membership i called to cancel my membership with an agent of theirs over the phone. The withdrawal from my account stopped. Now that things are back open the gym is saying that i owe them money, but its impossible if i closed the account and dont utilize the gym. They never contacted me regarding payment or sent any letters telling me that i owe. I went to the gym to ask about it and they said that they dont have any records in their system and that i have to talk to a manager. I spoke with a manager and she told me if i renewed my membership they would make it go away. I dont see anything about this collection on my credit anywhere and i believe it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Attached please find correspondence between XXXX XXXX XXXX  and XXXX/XXXX  and its representatives which is a financial partner of SunTrust/Truist. In my initial call with with a XXXX rep on XX/XX/XXXX, I created a XXXX XXXX account for credit charges in my online store.There was no mention at all of a {$750.00} cancellation fee in using their credit processing service ; thankfully, this call was witnessed in the bank on speakerphone by my Personal Banker. There is a similar statement from her this past week into their back office which is also on a recorded line. As you can see from the attached correspondence, one of the financial institutions ( referenced as an aggregate entity of XXXX/Truist as there is no recognizable domain from the consumer side ) acknowledges that I have not signed in nor used their services as evidenced on emails dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received confirmation of cancellation on XX/XX/XXXX from XXXX XXXX Specialist Team from the XXXX domain which was yet another missed opportunity to MENTION the cancellation fee yet to be assessed. The assessment of the fee in question took place on XX/XX/XXXX, which was not granted due to a lack of funds and ALSO caused me to incur a {$38.00} overdraft fee on my XXXX  account. I had been trying to cancel service to no avail beginning in XX/XX/XXXX via email, erroneously believing that one of the representatives who opened the account on the XXXX side would reply in a timely manner ; I copied my Personal Banker at SunTrust on this request. A review of XXXX email messages and those from my local SunTrust branch will show you that XXXX did not respond - EVER to this request. Several attempts from my SunTrust/Truist branch partners to XXXX via phone and email have also not garnered any response. I believe that SunTrust/Truist may be in violation of CFPB 1030.4 ( b ) ( 3 ) ( iii ), as they find themselves in the unfortunate position of being potentially liable for committing Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) as a result of the actions of their external service providers ( XXXX XXXX, particularly those that interface directly with customers. It is my understanding from the Branch Manager that this is not the only issue they have had with XXXX as their XXXX XXXX provider ; however, I do not have that in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27 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: MO

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 2021-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
In XXXX, my employer and employment were certified and counted toward PSLF. I reapplied XX/XX/XXXX to update the past year of payments and I received a notice from FedLoan that my employment was not certified because my employer is " for-profit. '' I used the PSLF tool on XXXX so that I could submit the information about my employer, but the tool did NOT work, even after trying multiple browsers and different days. I tried contacting the Federal Student loan office by phone several times and the people that I was able to get in contact with told me that there was nothing they could do about the online tool not working and there was no alternate way to submit that information. I eventually contacted the Ombudsman group, who connected me to a representative at FedLoan that handled my inquiry. On XX/XX/XXXX, I received a notice that my employment was certified along with an update of my qualifying my payments. Now on XX/XX/XXXX, I received a notice in my paperless inbox from FedLoan with the subject " PSLF Qualifying Payment Update '' which, in summary, just states that I now have ZERO qualifying payments, however there was no specific explanation as to why this randomly happened. I called FedLoan on XX/XX/XXXX and was informed that there is an additional letter that I was supposed to receive stating that my employer was determined as not qualified due to being for-profit. I have yet to receive the letter, but I received the updated qualifying payment status letter. I have already submitted a request on the studentaid.gov website, which still is very buggy. I shouldn't have to do all this work to get my employer certified and I am increasing confused as to how and why those involved with this process have the inability to research and read. There is a plethora of information related to the Federal Home Loan Bank System on various .gov websites as well. Additionally, we are well aware that the PSLF program has been grossly mishandled and administrated in the past and now that FedLoan is not renewing their contract and no other servicer handles PSLF, I am extremely concerned. I feel like the number of hoops and continuous attempts to get this corrected is NOT my burden, as the Federal Home Loan Bank system has been an integral part of this countrys financial system since the XXXX 's. I think they are hung up on the " for profit '' part instead of the fact that the Federal Home Loan Banks are govt entities and per the application form and anything that I can see, should qualify without issues. The FHLBank system is EXEMPT for ALL taxes and are extensively involved in community development nationwide in areas such as affordable housing projects, owner-occupied rehab, homebuyer down payment assistance, and small business grants just as examples.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting inquries on my credit report that I have no knowledge of. As well as continuing to report inaccurate collection accounts on my credit report. 

it has been over 30 days and I haven't received a response from Experian about the investigation results.

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 2021-08-27 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: KEYCORP
State: FL

Complaint narrative:
Keybank continues to report to XXXX  that the initial delinquency date of this account is XXXX. This initial delinquency date of this account is XXXX!!! The account was not brought current since this date. Keybank is reporting activity dates to XXXX  but XXXX  does NOT report based on activity they report based on delinquency!! Activity DOES NOT = delinquency. It does not matter if the there was activity on the account in XXXX. The account was never brought current and the initial delinquency date is XXXX!!! Please report the correct initial delinquency date on my credit report and remove this account from my credit!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
I have sent letters to this company on a couple of occasions. Asking them to validate this collection debt they are stating I owe. The most recent letter was sent to them on XX/XX/2021 and they have yet to respond. The last letter I received from them stated that they were not going to dispute because my letter was frivolous to them. I have been asking them to validate this collection debt by asking them a series of questions. Like proof they own debt, proof that have a right to collect in Florida-my state, proof of bond, how were fees determined, how much did they pay for debt? etc etc. 

They have blatantly disrespected me, my request and violated my rights under the fdcpa and hippa laws. I have health insurance and how they are saying I owe this debt is baffling to me. I need to see proof that I had this service, what services I am being charged for and what the cost of each service I am being charged for because this company is ruining my credit reputation. 

Furthermore, This Collection Agency did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am getting ready to find me a lawyer to see what I can do legally. Should this item not be deleted within the required time allowed by law. 

These are the dates I sent collection company letters : XX/XX/2021 XX/XX/2021 Respectfully Yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OR

Complaint narrative:
My credit was pulled without my authorization and consent. 

I was contacted by Cardinal Financial about a Home Equity Line of Credit that I was searching for online. I spoke with a representative and at no point in the conversation did I give permission for my credit to be pulled. I did not even provide my SSN. 

My credit report shows that on XX/XX/2021, a hard enquiry was done by Cardinal Financial on my file. I am requesting that hard enquiry be removed because it was done without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
My payment was increased {$61.00} to cover an escrow shortage. I never received notice that there was an increase so my payments were considered short. Because of this, my automatic payments were not credited and they claim I have missed two payments. I have been talking to them for days and getting no resolution. Here is just some of what I have been told. 

My homeowners insurance increased by XXXX per year. That would be roughly {$12.00} per month increase. When I contacted their office I spoke to several people. I was told that because the value of my home increased, the loan payment increased. I was told that I would need to contact XXXX XXXX XXXX, CA. because the county dictates my payment amount. This was an increase in homeowners, not taxes. 

For the last week, I have been speaking with XXXX who claims to be a supervisor. I have asked for a manager call back several times but have not received one to date. XXXX explained to me that the problem began with XXXX payment and that it was short because they had increased my payment by {$33.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
As a costumer from Home Depot and doing monthly payments I was charged on XXXX XXXX  a amount of {$20000.00} from one promotion that Home Depot has sent to me on XXXX if I purchase from then. 
I never did any purchase because I am paying of my balance with Home Depot. and that valor was add to my account incising my balance with the Store Home Depot. 
I called the 1800 Home Depot and spoke with the agent XXXX about those interest charges and Mr. XXXX told me that if I'm not satisfy to call CFPB and look for my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27 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:
I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 

1.XXXX  XX/XX/2021 2XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TX

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

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

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. SYXXXXXXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Each of these companies I have contacted to have them validate the debts that are said to be owed by me. I have received nothing at all. I have sent an Affidavit of Truth certified mail to Equifax along with all companies listed in the identity report filed w/ the Federal Trade Commission XXXX The companies listed in the identity theft report have ruined my reputation pursuant to XXXX XXXX XXXX ( XXXX ), by furnishing these negative items on my consumer report. Power of Attorney fraud has been committed by each corporation named in the report do to alteration of my name from " XXXX XXXX '' to " XXXX XXXX ''. This entity/name was attached to me without full disclosure or a meeting of the minds.

Company response to consumer: Closed with explanation