vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX M & T bank charged my checking with an overdraft fee of XXXX. On my account I have had overdraft protection through my savings account that I had arrange sometime back, but haven't had to use in some time because I always check my balances. Because of this service I wasn't worried last Monday because of the overdraft coverage I had. They charged my account anyway, so I contacted customer service and they didn't even check, she took a look at my account and said I don't see it and keep saying the same thing. She was also rude. M & T use to be a good institution, not any more. I did go to the branch on Saturday to try and work things out but they had one individual working and to many clients waiting I did wait about half an hour, then I decided to call instead. That was no help and I am looking for another banking institution. I don't lie and to be accused of it is unprofessional. I think I've banked their for about 10 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 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: SC

Complaint narrative:
Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : Alleging Creditor and Account as is reported on my credit report : XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account- XXXX Comment : inaccurate, DATE OPEN, on my XXXX and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX Comment : inaccurate, DATE OPEN, on my XXXX XXXX Equifax and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX DATE OPEN, on my XXXX XXXX Equifax and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX DATE OPEN, on my Equifax report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX XXXX XXXX XXXX Account : XXXX XXXX, XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX DATE OPEN, on my XXXX and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX XXXX- Everytime I dispute with Portfolio the Company raise the fees by {$200.00}. 00, or more after the dispute they lower it to the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: FL

Complaint narrative:
Transunion continues to Dishonor the FCRA Section 605B I HAVE SENT TRANSUNION ALL THE DOCUMENTS AND SENT DOCUMENTS THROUGH CFPB PORTAL AND THEY CONTINUE TO FALSELY STATE THEY HAVEN'T RECEIVED THE REQUIRED DOCS BUT I HAVE PREVIOUS COMPLAINTS WITH ALL DOCS FOR PROOF OF PREVIOUS COMMUNICATION ... THE FRAUDULENT INQUIRES ARE NOT PERMISSIBLE PURPOSES FOR THERE ARE NO OPEN ACCOUNTS WITH YOU FOR IT TO BE STATED PERMISSIBLE ( XXXX XXXXXXXX ) TRANSUNION CONTINUES TO USE STALL TACTICS AND DAMAGE MY CREDIR REPORT EVERY REPORTING PERIOD ALONG WITH DEFAMATION OF MY CHARACTER. THEY CONTINUE TO VIOLATE MY RIGHTS TO PRIVACY. TRANSUNION CONTINUE TO FAIL TO SEND ME PROOF OF WRITTEN INSTRUCTIONS/AUTHORIZATION OF THIS FRAUDULENT ACCOUNT AFTER RECEIVING MY POLICE REPORT AND FTC IDENTITY THEFT REPORT. MY REQUEST IS NOT MADE IN ERROR FOR I HAVE SENT PROOF OF IDENTITY AND ADDRESS. MY REQUEST IS NOT A MISREPRESENTATION OF MATERIAL FACT RELEVANT TO THE REQUEST. I HAVE NOT OBTAINED ANY POSSESSION OF GOODS, SERVICES OR MONEY FR THIS TRANSACTION FOR I HAVE STATED SENT IN REQUIRED DOCUMENTS ACCORDING TO SECTION 605B OF THE FCRA POLICE REPORT, IDENTITY THEFT REPORT. TRANSUNIOM JOB AFTER RECIEVEING DOCS ACCORDING TO 605B TO THOROUGHLY INVESTIGATE AND SEND ME PROOF TO SHOW IF MY CLAIMS OF FALSE OR NOT IF NO PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS TO INQUIRIE MY CREDIT REPORT THEN IT MUST BE BLOCKED and deleted within 4 days of receiving documents continue to dishonor my request and the rules and regulations of FCRA and VIOLATION my rights is a {$1000.00} per VIOLATION which I hope transunion knows.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
There is a credit card that went into charge-off status in 2017. This has not been on my credit report in a few years from the original Creditor ( XXXX ) due to the North Carolina Statute of Limitations. Just recently a collection company popped up noting the debt as new and demanding payment. I called and tried to discuss with them, but they refuse to remove this. I have checked with North Carolina law and have been advised that this is absolutely passed the statute of limitations and this creditor is illegally trying to collect and running my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
I do not believe the amount being charged is correct. Over the amount agreed upon. Insurance should have covered the amount. They must have way over charged for service if amount is correct on their end. There isnt any itemized service charges attached to bill. No itemized bill for all consumables used or itemized charges for services. I have no idea what its for specifically. So XXXX cant dispute what insurance has paid vs what may still be owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I disputed the validity of a bankruptcy that is on my consumer report. I pull my consumer report from XXXX XXXX XXXXXXXX and I see that the inaccurate public information is no longer listed. I download my report and It shows inaccurate information on the downloaded version but not on their website. This is very deceptive and misleading. They never sent a permissible document for the alleged bankruptcy. I asked them to verify the accuracy of the alleged bankruptcy and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: PA

Complaint narrative:
Earlier this year I rented a washing machine and dryer combination from XXXX XXXX. Upon receipt of the item, it contained 4 prongs and my outlet had 3. This company was notified on multiple occasions that I was unable to use the item. They attempted to schedule a tech 3 times. All of which the tech cancelled and I was advised to call for a new appointment. I then quickly moved from where I was staying and called to advise instead of a repair, they would have to pick up the unit. Upon closing out the account I told the rep, I was NEVER able to use the unit. She understood and made a note that she saw my complaint and would note to NOT send a bill. Suddenly there is a bill on my credit report for {$60.00}. I am not responsible for a unit I could not use and they were notified on multiple occasions. I would like all of my notes on my account sent to me immediately. This has caused great harm to my credit report. Selling a debt to an agency that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I have made numerous attempts to contact MOHELA after my student loans were transfered from XXXX. I have worked for non profits or government since 2012 and I am trying to fix my PSLF dates and payments. It took months for my original form to be reviewed but was rejected and sent back for corrections. I have submitted a corrected form, but I have tried numerous times over a period of several weeks to speak to anyone from MOHELA to ensure everything is correct. There is over 10 minutes of unskipable messages before you can try to get directed to the correct place. Then, you may randomly be disconnected, sent to a non working number, or try to enter your information and be told your account can't be found and you get disconnected. The one time I did get through to a wait queue, I was told it would be over a 3 hour wait. Essentially, it is nearly impossible to get in touch with anyone from MOHELA to answer my student loan questions and get PSLF assistance. I don't know what to do now and I fear I may miss out on financial benefits that I am entitled to based on my decade of non profit and government service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I have no idea what this company is, I have asked them to send whatever it is through the mail and was met with a very rude and disrespectful answer. I have asked them to stop contacting me, and they just use a different phone number. This has been going on for 6 months to a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
On or about XX/XX/XXXX, I XXXX XXXX looked at my XXXX XXXX  app credit monitoring and found that Tower Loan is frivolously reporting " inaccurate information '' as derogatory this account is closed and was paid via settlement in civil litigation in XXXX XXXX court their attorneys filed satisfaction of judgement over a year ago case : XXXX and this should have stopped being reported even saying I have a balance due when it's been paid! We will be looking at filing a lawsuit against Tower Loan for this frivolous reporting innacurate info and hurting my credit score. They say it's a charged off account I owe {$290.00} for as seen attached from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I have an Apple card through Goldman Sachs. I used this card to purchase a new XXXX on XX/XX/2022 for {$1100.00}. I paid the balance of the card on XX/XX/2022. I then received a refund via XXXX for the trade-in of my old phone of {$720.00} on XX/XX/2022. I generally do not use this card, but had a few expenses that left my balance in the positive at {$540.00}. 

In the past, this has been automatically credited back to my bank account. 

Goldman Sachs refused to credit back this payment, saying that since I have installment plans for two other phones on my account, their new policy is to not issue refunds. 

I asked multiple representatives, received a callback from their executive support, and all parties indicated that if I had waited to pay the balance from the XXXX charge ( I believe this would have been a late payment ) then it would have properly credited the existing negative balance and I would have the money in my pocket. 

This is unfair practice, even if they can arbitrarily change their rules. What's the point in having XXXX XXXX  interest installment plans ( my installment balance is ~ {$700.00} ) if you're going to hold hostage refund in a positive balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Debt was paid Attached documentation XXXX and XXXX fail to investigate or correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: TX

Complaint narrative:
I did not do business with these companies. Please remove everything, including these other accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX with a Credit limit of XXXX. Also, these credit card accounts were closed due to some unknown charges after it got stolen : XXXX XXXX, XXXX XXXX Balance XXXX, XXXX XXXX Balance : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Balance XXXX. These are unauthorized charges made by someone else. Lastly, this is another Fraudulent inquiry that I want removed : XXXX XXXX  Date : XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I learned of unauthorized withdrawals from my acount when my power of attorney an alert that a large amount of money had been withdrawn from my account. We went to a local Chase Bank branch to dispute the withdrawals, which took place over XXXX days in late XX/XX/XXXX and early XX/XX/XXXX and totaled approximately {$19000.00}. The branch employees insisted I had withdrawn the money myself and refused to check the XXXX or to take a complaint. 

I believed the withdrawals were done using an ATM card because they were marked " E-withdrawals '' on the alert. I later found out they were made at the teller window using my ATM card, however I had no working ATM card at that time. I had notified the bank and asked for a replacement which never came. When I did not get it in XXXX days, I informed Chase. I asked them to cancel the card and told them I did not want a new ATM card. But they did not honor that request because I received a new ATM card when the old one would have expired. I believe the replacement card was stolen from the mail and used by an identity thief to make the withdrawals. The withdrawals were not made at the branch I usually use for withdrawals and were made at a time I would have been at work and could not physically have been at the branch where the withdrawals were made. 

On XX/XX/XXXX, I went to a different branch and they gave me a form to dispute the withdrawals. I gave it to a branch employee who said they would email it to the appropriate department. I checked back several times and was told the complaint was being processed and I would get a decision by mail. 

I never heard anything back from Chase until I consulted with an attorney in XXXX who wrote to the bank on my behalf. Chase responded that I had not reported the id theft within thirty days and they had denied my dispute in XX/XX/XXXX, but I never received the decision. When the bank finally provided me with a copy, I saw it was sent to the wrong address. I had notified them to send it to my XXXX XXXX XXXX XXXX address in XX/XX/XXXX, but they used my old address. 

Chase claimed I made the complaint in XX/XX/XXXX and denied it because it was not made within the thirty days, but I reported the dispute in XX/XX/XXXX, which was within thirty days of when the id theft occurred. The attorney spoke and wrote to them repeatedly and they kept denying my claim. Most recently they told her it was rejected because it was submitted on the wrong form, but it was the form that the branch gave me. I am a XXXX senior citizen retiree and the identity thief stole my life 's savings. My landlord took me to court to evict me because I was unable to pay my rent, and I only avoided eviction because I was able to get a rent arrears grant from my state. The bank has caused me great financial hardship, not to mention treating me like I was a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Collection Receivables, Inc.
State: SC

Complaint narrative:
They contacted me about my debt XXXX weeks ago. I paid them XXXX dollars. Today they called a place that I did not work and spoke to an employee that was not me about my debt and that I need to pay them. They told them where the debt is and how much to the point where the person is telling me word for word that I owe XXXX XXXX. In addition they called my spouse and told him also about the debt that I owe.. 
They have also been contacting me on blocked numbers. 
Im BEYOND embarrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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