vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was told on my statement in bold red letters to pay {$270.00} to avoid interest payment on my promotional account. I paid {$270.00} by the due date. I was then charged interest because I was told I didn't pay {$270.00} plus the minimum payment towards the card. But statement in red letters didn't say to pay {$270.00} plus the minimum payment to avoid interest. It just stated to pay the {$270.00} to avoid interest. They are unwilling to remove the charge. After XX/XX/XXXX the account will be paid in full, except for their fraudulent interest charge of {$120.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29 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: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion currently is reporting under XXXX XXXX XXXX that I have a 120-day late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX ; both are incorrect and should not have been on the report to begin with. 

I initially filed a dispute to this item earlier this fall and was told by TransUnion that they have no control over what they are reporting but rather they have to report what the creditor tells them to report -in this case XXXX XXXX XXXX XXXX

I have spoken to XXXX XXXX XXXX  on several occasions regarding this issue and each time I am told that this reporting discrepancy should have been resolved since the other reporting agencies have already removed these erroneous late payments.

These incorrect late payments are still being reported by TransUnion and it is currently keeping me from my correct and proper credit score and status. I need to turn to you because I can't determine which one of these parties is actually responsible for removing these items from my TransUnion 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 non-monetary relief
Consumer complaint received 2022-12-29 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-29 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Last Reported XX/XX/XXXX Creditor Name PROFESSIONAL DEBT MEDIAT Account Type Account Status Open Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment -- Responsibility Individual Balance {$2800.00} Highest Balance {$2800.00} Payment Status Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late -- / -- / -- Remarks Account information disputed by consumer, meets FCRA requirements Payment History Latest Status : No payment history has been reported by this creditor. 
Creditor Contact Details PROFESSIONAL DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX & XXXX XXXX XX/XX/XXXX original creditor, XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} under laws codes : fair credit reporting act violation of my rights 15 U.S.C 1681s-2 ( A ) ( 1 ) 15 U.S.C 1681 SECTION 602 A, 15 U.S.C 1681 SECTION 604 A SECTION 2 15 U.S.C 1681C. ( A ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: SC

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2022-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
The Insurance company determined the vehicle was a total loss due to a drunk driver causing the accident. XXXX valued the vehicle at XXXX with was XXXX less than it was brand new a year and a half ago. All payments were made on time and all maintenance was done. The leasing company decided that it was their appreciation gained in the car therefore they are entitled to 100 % of the insurance payout. Throughout the lease we would get the month to month payout and we would know the end of lease buyout so we figured the the equity in the vehicle that we paid already over the year and a half we were due at least half of that. We assumed all the risk, payments and maintenance of the vehicle but due to circumstances beyond our control ( an at fault drunk driver hitting us ) we lose 100 % of the equity and XXXX downpayment and now left with nothing because the lease company decided, denying us any ability to appeal that they are the lease holder and are entitled to 100 % of the value of the car.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX noticed a couple of accounts that does not belong to me and the addresses these accounts are linked to are also not mines.I contacted these creditors multiple times and these incorrect items are still on my report.I file an identity theft report stating that I was a victim of identity theft.I have documents attached also with the report.15 u.s code s 1681c-1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze. Also there were a name brench posted on my report also attached.the accounts are XXXX XXXX XXXX  XXXX balance {$880.00} XXXX XXXX XXXX XXXXXXXX XXXX balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
Im filing this complaint against Jacob Law Group , PLLC for failure to adhere to FDCPA guidelines. Jacob Law Group , PLLC fail to adhere to Regulation F, giving me the opportunity to request for validation of an alleged debt prior to assuming its validity. I have encountered abusive, deceptive, and unfair debt collection practices from Jacob Law Group , PLLC. In accordance with sos.ms.gov ; Jacob Law Group , PLLC is registered as an attorney office. Yet, they are acting as a debt collector, which is a violation under the FDCP for deceptive practices. Jacob Law Group , PLLC has inflated the alleged debt amount with fees in the amount of {$130.00} for court cost and garnishment. The fees and prior order is null and void due to, I was never served a Summons and Complaint to appear in court for this alleged debt. I was recently given a Show Cause Hearing on XX/XX/XXXX XXXX, a new trial date was set for XXXX, XXXX. I requested validation of this alleged debt, which Jacob Law Group fell to provide all requested documentation. XXXX XXXX knowing I was never given an opportunity to dispute this alleged account prior to sending this account over to Jacob Law Group , PLLC. As you can see in the uploaded documents, they recently issued a letter via USPS, given me the opportunity to dispute by XX/XX/XXXX. 
I requested the original contract with the original creditor, Bill of Sale, and Purchase Agreement. So, that I may validate this alleged account properly. Jacob Law Group only sent statements, which does not validate alleged debts in accordance with law. Due, to me not being able to validate this alleged debt, I filed a claim with the Federal Trade Commission as fraudulent account. I have no proof nor prior knowledge of this alleged account ; its not on my credit report. 
Jacob Law Group , PLLC, you are hereby noticed within this complaint. Cease and desist any and all attempts in trying to collect on this alleged debt I dont owe. If I owed this alleged debt in which I, dont it have passed the statute of limitations ( MCA 15-1-29 & MCA 15-1-31 ), forfeiting the rights of collection. Jacob Law Group , PLLC has violated multiple law under the FDCPA, I'm truly loss for words. Jacob Law Group , PLLC has knowingly broken state and federal laws and regulations concerning the collection on this alleged debt with forethought and malice. I have also filed a complaint with our local Attorney General Office upon me submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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:
My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I recently discovered that I am a victim of identity theft. The items listed on my report were opened fraudulently to obtain goods/services and I am requesting that they all be removed immediately. The accounts are listed in this report and attached to my statement. 

Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
on XX/XX/2022 I closed an account with Wellsfargo and was provided a cashier 's check for {$24000.00}. I mailed this check to our financial management company the same day but they never received it. On XX/XX/XXXX, I met with the branch manager for my local bank and requested a stop payment on the cashiers check which they did and a replacement check. 

I was told that I had two choices : 1 ) Wait until XXXX to get a new cashiers check for free or 2 ) pay over {$450.00} now to get a new cashiers check. 

My complaint is that this should not be the case. There are no real costs inflicted to the institution by my cancelling and requesting a new cashier check. A modest fee of perhaps {$20.00} would have been acceptable but not an amount around {$450.00}. So the bak is holding my money and profiting from such holding whicle this money, vital to me, is not accessible. 

Thank you for looking into this.

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 2022-12-29 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello : This complaint is in addition to complaint XXXX. 

Once again this morning I awoke to an additional overdraft for a charge made on XX/XX/22. It is now XX/XX/22, and according to the screenshots of my account and this transaction attached I had the funds, and the transaction did not put my account in the negative. According to Truist 's following statement, the deduction of this transaction would have been included in my available balance : " Your available balance is the money currently available to make purchases, withdrawals, and payments. This balance is updated throughout the day with the transactions you make, including pending transactions and holds. It does not include bill pay checks or checks you've written or deposited that have not yet posted. This balance is used in making payment decisions and triggering overdraft fees if applicable. '' Now I see ANOTHER pending charge for {$12.00} from XX/XX/22 that's probably going to be charged an overdraft fee, even though it was listed as pending for two days, and the deduction should've been included in my available balance, and there was previously no overdraft fee associated with it. 

Also, why did the date of the transaction for {$12.00} change from XX/XX/22 to yesterday, XX/XX/22? I didn't take any XXXX yesterday because Truist screwed up my account. 

Truist is engaging in unscrupulous banking practices to charge customers overdraft fees. I live paycheck-to-paycheck, and now once again on payday, just like last pay period, Truist is going to probably deduct as much as {$110.00} in overdraft fees from my paycheck. This bank is behaving like a predatory payday loan company. 

Please see the screenshots attached. I also have text messages listing deductions and balances, and well as phone recordings with customer service.

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 2022-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Malacko Law Office
State: MN

Complaint narrative:
XXXX from Malacko Law Office called and wouldn't identify himself, he asked if who he was speaking with was XXXX, and when I asked what it was about, he was very rude, and aggressive, and said, I can look for his letter XXXX. When I asked again what this was in regards to, he aggressively said, " I'm not here to play games XXXX, look for my letter ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I contacted PNC bank twice on XX/XX/XXXX after receiving XXXX XXXX XXXX  monthly service charge. I requested the fee be refunded and my account type be changed. The fee was refunded, but the account type was not changed. I called PNC bank on XX/XX/XXXX as I had received another XXXX XXXX monthly service charge. The account type was not changed despite XXXX requests to do so. I requested to speak with a manager and was denied. I requested the XXXX XXXX  monthly service charge be refunded as I had previously requested the account type be changed and requested the account to be close. I was told the fee could not be refunded. Since the fee caused a pending transaction, I was told the account could not be closed. My still open PNC account is consistently low on cash since I have long since moved my cash to another institution. PNC refuses to change my account type, close my account, or refund me the fees caused by ignoring my service requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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:
My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I recently discovered that I am a victim of identity theft. The items listed on my report were opened fraudulently to obtain goods/services and I am requesting that they all be removed immediately. The accounts are listed in this report and attached to my statement. 

Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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:
My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I recently discovered that I am a victim of identity theft. The items listed on my report were opened fraudulently to obtain goods/services and I am requesting that they all be removed immediately. The accounts are listed in this report and attached to my statement. 

Accounts to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation