vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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:
On XX/XX/XXXX I was overdrafted {$36.00} due to a merchant error charging me {$14.00}. I immediately contacted the merchant and was refunded - I was told by the bank to switch to a new account with overdraft protection and call back when the fee was refunded to my account in order to have the overdraft fee refunded. On XX/XX/XXXX, the refund posted to my account and I visited the truist branch in XXXX  XXXX XXXX  XXXX. They told me that XXXX had been provided incorrect information and they could not refund me because the system said my exception from an overdraft fee in XXXX did not expire until XXXX. There is a mistake here and now that i switched checking the option to refund my overdraft is no longer available. I have not been provided a reasonable solution to this issue and plan on closing my business account, checking and line of credit if the {$36.00} fee is not refunded.

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 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am writing to bring to your attention a matter of utmost concern regarding my credit report. On XX/XX/XXXX, I received a notification from XXXX XXXX informing me of a new collection account on my credit report.The collection agency is identified as Jefferson Capital Systems, and the original creditor is listed as " XXXX XXXX '' The reported amount is {$2500.00}, and the account was allegedly opened on XX/XX/XXXX. 

Upon receiving this notification, I took immediate action to investigate the validity of this collection account. I contacted XXXX, as XXXX and XXXX merged in XX/XX/XXXX. XXXX informed me that they could not find any information regarding this collection account. The only record they could locate was a phone line I had with XXXX in XXXX, XXXX years ago. However, they confirmed that I canceled this account voluntarily to switch to XXXX XXXX XXXX with whom I have been a customer since then. 

To further clarify and resolve this matter, I visited the XXXX XXXX and spoke with a representative who attempted to contact the relevant parties to assist me. Unfortunately, they were unable to obtain any information related to the alleged collection account. 

In an effort to validate the legitimacy of the debt, I contacted Jefferson Capital Systems and requested proof of ownership and details about the debt in question. Regrettably, my experience with their representatives was less than satisfactory, as they were uncooperative, rude, and failed to provide any substantive answers. 

I want to emphasize that I have no knowledge of the collection account in question, and it is affecting my credit score adversely. I am concerned about the potential harm to my creditworthiness and financial standing due to this inaccurate and unverified information. 

I kindly request that you initiate an investigation into the legitimacy of the collection account reported by Jefferson Capital Systems on my credit report. I am confident that a thorough examination will reveal the inaccuracies and discrepancies in their reporting. I also request that you take the necessary steps to rectify this situation promptly and remove the unauthorized collection account from my credit report. 

Thank you for your assistance in rectifying this situation and preserving the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 have no knowledge of XXXX XXXX I have no contract with them, nor do i even live in the same state this company is located. My first knowledge of this company came when they surprised me by placing two collection accounts, XXXX unknown account for {$390.00}, and another unknown account number XXXX, for {$1300.00}, on my XXXX, equifax, and XXXX credit report. 

These are allegedly charged off accounts, purchased by this debt buyer, but being reported with late payment histories, which doesnt even make sense. None of the information is even accurate, reporting different date of last payments, or in the case of XXXX  no date of last payment even recorded. All violations. 

I've had no contact prior to this. I was never sent any notice of debt, by phone, or mail. Or given any time to dispute. violation. 

I disputed the account with all three bureaus, multiple times, and after notifying the credit bureaus about the multiple violations committed by XXXX, they continued to report the account, and failed to update the status to in dispute within the 30 day timeframe. another violation. 

After continuing to dispute this unknown company and the negative marks on my credit report, I challenged XXXX XXXX to validate the debt, they did not provide such documentation. Which makes sense, since why would a company who cant provide validation of this scam debt, follow FCRA Regulations. This is another violation. Instead of removing the scam accounts, they doubled down, and just closed them. I thought that was the end of it, but today XX/XX/XXXX, they reopened the account on my credit reports. with the " original '' dates for the account opening they claimed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no knowledge of XXXX Funding, I have no contract with them, nor do i even live in the same state this company is located. My first knowledge of this company came when they surprised me by placing two collection accounts, XXXX unknown account for {$390.00}, and another unknown account number XXXX, for {$1300.00}, on my experian, XXXX XXXX XXXX credit report. 

These are allegedly charged off accounts, purchased by this debt buyer, but being reported with late payment histories, which doesnt even make sense. None of the information is even accurate, reporting different date of last payments, or in the case of experian, no date of last payment even recorded. All violations. 

I've had no contact prior to this. I was never sent any notice of debt, by phone, or mail. Or given any time to dispute. violation. 

I disputed the account with all XXXX bureaus, multiple times, and after notifying the credit bureaus about the multiple violations committed by XXXX, they continued to report the account, and failed to update the status to in dispute within the 30 day timeframe. another violation. 

After continuing to dispute this unknown company and the negative marks on my credit report, I challenged XXXX XXXX to validate the debt, they did not provide such documentation. Which makes sense, since why would a company who cant provide validation of this scam debt, follow FCRA Regulations. This is another violation. Instead of removing the scam accounts, they doubled down, and just closed them. I thought that was the end of it, but today XX/XX/XXXX, they reopened the account on my credit reports. with the " original '' dates for the account opening they claimed.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have consistently paid on time for this account, and that is making me extremely anxious to see the wrong late payment entries. I haven't failed in my commitment to paying on time. This error has a significant impact on my mental well being, affecting my sleep and my peace of mind. I'd like to request an immediate correction of my statement, and I hope you're aware of the urgency of the situation.

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 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC Bank, my mother passed away on XX/XX/2023. It is a checking account for which I am a joint owner. I took the death certificate into PNC as they requested. 
I have contacted them several times, put on hold, transferred ... .. with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
i am filing this complaint against both XXXX XXXX XXXX and Transunion credit reporting agency. it appears that XXXX has went into my Transunion consumer file w/o written permission 15 u.s.c 1681 b and logged that i owe them as a collection {$730.00} ( via a XXXX  account ) of which XXXX has never contacted me in regard to this false debt claim, not by letter, telephone, email, or any other form of communication. in direct violation of 15 u.s.c sec. 1692 g, f b and a. again there has been no communication whatsoever regarding this debt claim, immetiately dropping my score XXXX points.i do not have nor have i ever had a contract with XXXX. i personally this is done in retailation to a court action that i was successful against them last year. they know my address, my phone number, my email and yet no contact what sover regarding this new filing placed on my consumer report. this denying myself the opurtunity to have them validate this collection claim. yet another violation of 15 u.s.c this is also a cease and desist demand to XXXX who has knowingly and willingly violate numerous rights under 15 u.s.c not to mention transunions vefication method is flawed or XXXX flat out lied to them either way my credit dropped XXXX points with no notice or aportunity to challenge this bogus debt.

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 2024-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: US Mortgage Resolution LLC
State: PA

Complaint narrative:
We had a heloc with XXXX in XXXX. We tried a loan modification and was denied for unacceptable collateral. It was charged off on XXXX. We made payments until XX/XX/XXXX. In XXXX XXXX, XXXX sold the mortgage to US Mortgage Resolutions LLC and we were never notified. On XX/XX/XXXX, we received an XXXX XXXX from XXXX XXXX XXXX We went to XXXX to apply for help on XX/XX/XXXX. They said their was nothing listed in the XXXX courthouse against our property. We hired a lawyer and he found that both US Mortgage and XXXX had placed the mortgage lien against a satisfied property we own in XXXX XXXX. XXXX tried to foreclose on XX/XX/XXXX. On XX/XX/XXXX, XXXX discontinued foreclosure on the XXXX property. On XX/XX/XXXX, US Mortgage Resolutions LLC placed mortgage assignment against our XXXX property. On XX/XX/XXXX, XXXX placed a mortgage assignment against our XXXX property. On XX/XX/XXXX Monteric files act 91 foreclosure against XXXX property. On XX/XX/XXXX we respond by lawyer. Monteric files for summary judgement. On XX/XX/XXXX We had to sign a loan modification to avoid foreclosure and pay {$5000.00} in legal fees to XXXX. During this process, interest has been charged by US Mortgage and XXXX and added to the debt which ended being more than we borrowed.We still have liens placed by them on a satisfied property in XXXX XXXX, Pa. We tried to sell the lackawanna property but were told it had lien against it. We believe that we were victims of mortgage fraud and were forced to sign a loan modification under duress! On XX/XX/XXXX XXXX sold our mortgage to XXXX XXXX XXXX principal balance on XX/XX/XXXX was XXXX with XXXX. The address of US Mortgage Resolutions LLC -XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The address for XXXX XXXX is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Il. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inquiries made on my credit report I have no knowledge of requesting credit for. 
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 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 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 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 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
While checking my credit report I notice an inquiry that I did not authorize. 

The following inquiry : XXXX XXXXXXXX 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed some inquires on my credit report that I did not make as I am new to learning about my credit and I need to file with the cfpb because these inquires are a form of identity theft.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to follow up on my dispute regarding certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the same hard inquiries that I know are inaccurate and should be removed.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
Company has information on my credit report that is not mine vitamin ID theft in! XXXXI never applied for a loan with them and they sent me a statement that is XXXX yrs old. STATUE OF LIMITION HAS RAN OUT. I WANT TO SEE ORINGAL LOAN DOCUMENTS WITH MY SIGNATURE ETC THEY NEVER SENT TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently paid on time for this account, and that is making me extremely anxious to see the wrong late payment entries. I haven't failed in my commitment to paying on time. This error has a significant impact on my mental well being, affecting my sleep and my peace of mind. I'd like to request an immediate correction of my statement, and I hope you're aware of the urgency of the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting 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 have not initiated any creation of these accounts and believe they are potentially fraudulent. Please verify them and ensure they are promptly removed from my credit report ASAP.

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 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
At XXXX on XX/XX/2024 I tried to get access to my account but the credit union refused to help me get access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been a client with PayPal since its XXXX inception. Around XXXX I initiated a line of credit with PayPal Credit. In XXXX of XXXX I discovered that my XXXX accounts were hacked, and thousands were stolen. Around XX/XX/XXXX, I discovered that my PayPal Credit account was also accessed and a XXXX card. All financial Institutions were notified. 
PayPal was very difficult during the process. On XX/XX/XXXX, around XXXX, I attempted to contact PayPal beginning with Customer Service XXXX I was transferred twice, and disconnected. Between XXXX XXXX XXXX, I contacted PayPal Customer Service six times. On XX/XX/XXXX, I was transferred to PayPal Credit XXXX. PayPal had no program outside online submission to report fraud and unauthorized transactions and they had no established process for doing so with required ADA accessibility. On XX/XX/XXXX, from XXXX XXXX, I went over transactions over the phone with the PayPal representative to hand enter on my behalf ; as they had no established process for doing so with required ADA accessibility . PayPal instructed that the entire account would be flagged for identity theft, as transactions could not be separated accurately. I was instructed to call XXXX in seven business days to ensure account would be marked to close after 6mo federal wait. ( I discovered later this was a violation of federal law ). Called above number on XX/XX/XXXX, around XXXX and was told to call in 6 months to verify closure of account ; it would be discharged after the 6month federal hold and fall off my credit report by XXXX XXXX CRA report XXXX ( I discovered later this was a violation of federal law ) From the identity theft period in XXXX, until XX/XX/XXXX, PayPal continued to call and harass my phone, an average of 4 calls a day, 7 days a week, even with a verbal cease and desists. A total of 322 calls and numerous mailings. XX/XX/XXXX, I followed up with PayPal and was notified that the identity theft debt was charged off and no further collection attempt would be made. ( I discovered later this was a violation of federal law ). 
What PayPal did though, is sell the debt illegally to a 3rd party debt collector, without utilizing the Arbitration method detailed in their terms and conditions. That 3rd party debt collector immediately reported to my credit report and I am currently dealing with an illegal lawsuit because of PayPal 's actions. This has caused extensive undue harm and continues to do extensive damage. 
This complaint serves as 30 day notice of intent to file in federal court.

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 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I received a notification stating Jefferson Capital put a collection on my credit report. They state the bill is XXXX. I have NOT been with XXXX  since XXXX and there was no bill!!! I called and spoke to a manager named XXXX whom hung up because I would not give my ssn. 1 ) This bill is not mine and should not be on my credit!!! 2 ) Statue of limitations

Company response to consumer: Closed with explanation