vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 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: FL

Complaint narrative:
There is a student loan on my account. I did not attend XXXX XXXX XXXX. I should not have this debt on my credit report. There is a loan amount of XXXX on my credit report date of disbursement XXXX, XXXX XXXX and XXXX, XXXX XXXX. I have tried to dispute this matter but have been forced to pay and threatened that if I do not pay my wages would be garnished.

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 2021-12-02 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, the consumer did not consent to, authorize, nor benefit from any of the following inquiries or accounts. Pursuant to XXXX XXXX XXXX, block and remove them from my consumer report : Inquiries XXXX. Equifax Mortgage XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and XXXX submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan had my federal rights violated on XX/XX/2021 I noticed an error on my credit report from AD ASTRA RECOVERY SERVICES . INC violated 15 USC 1681 ( c ) and 15 USC 1611 ( 1 ). AD ASTRA RECOVERY SERVICES. INC. adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1681 ( c ) are up to {$1000.00} and 15 USC 1611 ( 1 ) are up to {$5000.00}. AD ASTRA RECOVERY SERVICES. INC is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Employers : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/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 2021-12-02 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on XXXX XXXXXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-12-02 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: CA

Complaint narrative:
XXXX XXXX Department : Remove fraudulent accounts from 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 2021-12-02 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXXXXXX {$130.00} XXXX XXXX {$780.00}

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 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reached out to this company in regards to an alleged debt that I owed them with a debt validation letter where I requested the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A complete XXXX XXXX calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. 
XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 
XXXX ) The purchase agreement ) XXXX ) Swear under penalty of perjury you were present during the alleged debt ) They responded via email with XXXX document from the company XXXX XXXX XXXX which had my last bill amount on it. That document proves NOTHING and it is not validation. It is a deceptive form under XXXX XXXX XXXX - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 

This collection agency along with the credit bureaus are in violation. The credit bureaus are allowing invalidated, inaccurate information to be reported to my consumer report which is a violation of XXXX XXXX XXXX XXXX ( b ). 

On top of that the " amount owed '' doesn't even match. 

Remove this account.

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 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: MN

Complaint narrative:
I bought a home in XX/XX/2020 and the loan was originally through XXXXXXXX XXXX XXXX. They sold it to planet home lending and planet home lending never sent us a notice of how to handle our mortgage payments ongoing forward or how to set up our account. 

XXXX sent us a letter to our home via the postal service however we never received any other mail or letter to inform us of this happening from the other company or XXXX. We were on vacation so we didnt even get the letter until the day of the transfer of the service. 

This is completely unacceptable, we should be given notice in a variety of forms of communication before our loan is sold to another company. The new lender should give us notice of how to set uo our new mortgage account WELL IN ADVANCE OF THE TRANSFER DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
XX/XX/18 amount of {$41.00} and same day same merchant, charged again for {$240.00}. 

I traveled to XXXX. 
XXXX, to be exact. 

I was on my way home and decided to check my bank account, i had two charges, that i could not account for and did not make sense. 
One was for {$41.00}. The other was for {$240.00}. 
Both came from the same merchant, that was also described as transport, our family rented a car so i know didnt pay ANY transport fees. My partner dropped me off at the airport! 
On top of this when i called in they said this transactions were for a merchant.. they asked if i bought goods?!? I was traveling that day! Also, how is a merchant labeled transport AND charged in XXXX XXXX when i in fact was in XXXX at the airport. I have a baggage fee posted on my acct to confirm i was indeed in XXXX and traveling that day!

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 2021-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX {$7100.00} XXXX {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is another complaint to your bureau. 
I submitted many documents to BBT, and various departments in BBT, your agency, and the XXXX  about a BBT bank transaction in the Summer of XXXX. 
I once again on XX/XX/XXXX, faxed a copy of the said credit card bill and the transaction receipt for payment of the charge of {$210.00} that I made XX/XX/XXXX on-time at the BBT teller window. These two items were faxed to the BBT Dispute Center at XXXX XXXXXXXX to the attention of their Administrator. The center phone # is XXXX. I received a confirmation that the fax was received at the center. I have not heard back from any BBT representative in regard to this. 

I would like all the interest charges, late fees, etc. reversed, as well as rescinding of the negative reports to various credit agencies on the part of BBT. I am tired of receiving collection calls on a bill I paid and paid promptly. 
I had originally reported the problem to the BBT CEO 's office in XX/XX/XXXX, and throughout BBT, but the situation remains unresolved. Please help me put an end to this, it is affecting my health.

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 2021-12-02 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Description of Complaint : Banking online - Appearance of commingling of personal and business checks. 

This is a formal business and personal complaint against Citizens Bank. I have a personal checking and a business ( XXXX XXXX, XXXX ) checking account. My personal account is quite active, my business account has very low volume. My complaint is that Citizens Bank has merged the appearance of the business and personal checking accounts. Online banking checks written on my personal account, come out of my personal account, but appear to be written on my business account. 

This means my charitable donations, wedding gifts, electric bills, etc appear to be from my business account, not my personal account. The potential tax consequences are obvious. ALL online checks written for personal use have had a business caption. Their solution was to have the business checks appear to be personal. I can not be the only person with both business and personal checking at Citizens. I only stumbled across this problem recently, but it has been going on for a long time. I have been a customer of Citizens or its predecessors for over 40 years. The customer care and problem solving by the corporation is profoundly disappointing. Their solution makes it appear that I have commingled my personal and business finances. 

For example, a personal gift to a relative appears to be written from my business account, but was written from my personal account. The relative thought I was paying from my business, to get a business expense. The name and address on the checks should be EITHER the business or personal. Citizens only allows one choice shared by both business and personal accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC.
State: TN

Complaint narrative:
Hello.. I made required minimum payment of {$180.00} when my Principal balance was ( {$1000.00} ). Only {$37.00} out of that payment went Toward principal. Within the required minimum payment TOTAL I made payment of {$490.00} plus another {$100.00} totaling a grand payment of {$590.00} on the XXXX of XXXXAnything paid over interest of {$150.00} out of the {$180.00} minimum payment goes toward principal balance which was $ {$430.00}. payment made to pay toward Principal was estimated at {$430.00}. Which brought my principal Down to {$640.00}. My prinicipal balance is showing in the system of {$690.00} instead which isnt right also my minimum payment is more at {$290.00} at a lower principal balance to pay on the XXXX of the year of which I assume only {$30.00} is going toward principal and way more than it was when my principal balance Was {$1000.00}. I would appreciate this all to be audited and possibly corrected please, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
According to 15 U.S.C 1666b the time of payments, ComenityBankXXXX is in violation of my consumer rights. Reporting any late payments on a open-ended consumer credit plan is illegal and must be updated as positive. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I was laid off due to XXXX in XX/XX/XXXX. I applied for a Forbearance plan with mortgage holder Mr. COOPER. After going back to work in XX/XX/XXXX I called bank to start making payment arrangements. They could not offer me any viable options at that time and suggested to stay on the Forbearance program while they underwrite a modification of terms. I submitted all documents and did exactly what they asked- do not pay the mortgage and stay in the program until a determination was given. I told them by not making payments this would make things worse if the modification didnt get approved. They again told me my best course was to continue. 

In XX/XX/XXXX they started the modification process. I was advised to call every XXXX weeks for an update and was told each time it was still be underwritten. In XXXX I called and complained and sent a letter to the office of the president to expedite the decision. I was then told my loan should have had been approved and a letter was coming. I waited another XXXX weeks and was still told the same thing. In XXXX I called and was told they were behind and a decision had not been made and to keep calling. I was informed this week that the modification was denied and my only options were a repayment plan. This comsists of a $ XXXX payment and XXXX  months of payments of over {$1700.00} to bring the account back to normal. I was also given an opportunity to pay the full amount, over {$25000.00}. 

I tried to work with the bank and did everything they had asked. I am now in a much worse situation with my mortgage than prior to being XXXX XXXX due to XXXX. If I struggled to make payments while XXXX XXXX I would not be in this situation or be in a much better place. I feel I was lied to and misled about the opportunity that I was given in a he beginning about what government assistance would be available but was never even an option. I am now financially struggling to meet their repayment plans to keep my credit rating and my home. I need assistance helping work out a program that can keep me in my home with my XXXX kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I got a loan from XXXX and the XXXX holder was bridgecrest.I XXXX XXXX XXXX and the car was repossessed on XXXX XXXX also a agent told that I was informed about this .I explained I never receive in paper documentation in the mail in regards to how much I was default by I wasnt able to obtain my things before the car was even sold or afther .Also their a lot of stuff on the contact that was not explained to me .Also they reported XXXX different amount to XXXX different via XXXX  and via XXXX.They also have XXXX complete different dates in regards to the repossession.

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 2021-12-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding inaccurate unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed.

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 2021-12-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding inaccurate unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed.

Company response to consumer: Closed with explanation