vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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: FIFTH THIRD FINANCIAL CORPORATION
State: OR

Complaint narrative:
FIFTH THIRD BANK in XXXX of XXXX reported me as 30 days late. This was due to an error on their side. I had signed up for automatic payments and they failed to set it up. Spoke with an individual that stated they would take care of it because it was not my fault. Stayed on XXXX called FIFTH THIRD BANK back and they stated they wouldnt change it. Tried to dispute with credit report agency and failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received a final loan modification on XX/XX/2022 and have continued to make timely payments. I returned the signed and notarized final loan modification documents and I have not received from the bank a signed copy of the final loan modification for my records, which I have requested. The only access we have to our account at this time is to view it online and it has not been updated. We are not able to make online payments, only by phone payments. It is my fear that the loan modification has not been properly entered into Truist 's system and I am not being credited properly. I am in fear of losing my home and have done all that was requested of me and my family to keep my home. I require immediate resolution of this 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 2022-08-03 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
This company Credence Resource Management called several times about a debt do not have a middle name / can not give me SS number/ keeping asking me to supply it/ not address / no company I owe can not verify anything / feel as though they are fishing for info/ when I told them I was going to sue them they hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX Dates Of CO ( Charge off ) are not matching card numbers and the CO is for XX/XX/XXXX and not XX/XX/XXXX ( Printscreen sent of XXXX ) and also account closer of 1099-c provided screenshot. Please rectify the charge off to XX/XX/XXXX and not XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
i have a SuperFleet Commercial card and the fees are outrageous. This has happened multiple times and it really should stop for the consumers. This card has transitioned to so many different credit companies over the past several years. I believe the creditor now is Comdata. I have had this card for my small business for ~20 years. A phone assisted payment is {$15.00}, the late fees are 11.25 % of the balance which for me equaled to a {$280.00} charged on XX/XX/XXXX.. I called the company to request a late fee refund, however was declined. I was late by 4 days, but that amount seems too excessive to not have the CFPB look into. My due date was XX/XX/XXXX and it was paid on XX/XX/XXXX. Please help stop this madness. 

Thank you.

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Equifax and discovered multiple unauthorized inquiries that I have no knowledge that is on my consumer report. 
Because I did not apply for credit with XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; AND XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; I have also reached out asking that they remove the inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is a follow up complaint to Complaint XXXX. 

A second, distinct complaint is being made because, during a telephone conversation with a person who responded to ( XXXX ) XXXX on behalf of CFPB, the advice given us was to file an additional, new complaint. 

This new complaint, on review, we believe should be viewed as a substantive reply to the Response which the prospective lender gave to our first Complaint. That is what we intend. In a similar vein, we believe the second complaint in CFPB terminology is " feedback. '' But before phoning and speaking with the person who responded to ( XXXX ) XXXX on behalf of CFPB, we provided formal feedback to your agency of a non-substantive nature regarding a telephone request we left on the voicemail of the person whose name is given as the preparer of the Response which the prospective lender gave to our first Complaint. Incidentally we have not received a response to that telephone request. 

Our Second Complaint and First Substantive Feedback to XXXX is as follows : Respectfully, in order to understand the Response, we believe we need - and so hereby request explanations of the following : 1. Why & how monthly income increased {$300.00} ( from {$10000.00} as advised on XX/XX/XXXX, to the Responses {$10000.00} ) or an increase of 2.9 %. 

This increase reduced the apparent shortfall in monthly income from {$220.00} on XX/XX/XXXX, to {$86.00}, a reduction of 61 %. 

2. How our monthly debt ( unchanged from the Responses {$4900.00} ) is arrived at. At a minimum, the traditional meaning of debt is not being used to get to this figure. 

3. The rationale for saying ... no eligible income was omitted when the Response increased our monthly income by {$300.00} or 2.9 %. 

4. Failing to explain in any way our principal inquiry, namely, the failure of any gross-up for significant amounts of our income as to which there are no - or reduced income taxes, whether federal, state or both. 

5. What repetition of an explanation by Mr Allende? There had been none prior to the conversation we had. Nor did he give one. 

He merely said repeatedly there could be no reconsideration ( what we were then seeking ) or response at all, because our application was no longer before the appropriate lender person or entity. 

If anything further is necessary or appears helpful for responding to us in any regard, please inform us of it and we'll make every reasonable effort to provide it.

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 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Received an email stating I authorized a transaction from XXXX to CoinBase Inc processes my order transaction I.D . XXXX Merchant https : //CoinBase.com/help Phone us to cancel XXXX ( XXXX ) XXXX XXXX Purchase amount {$790.00} USD You have 180 days from the date of the transaction to open a dispute in the Resolution Center. 

I did not call those numbers.. I have no idea what this is about. I have NEVER had any dealings or made any request from CoinBase Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
UPSTART LOAN, HAD A LOAN TAKEN OUT IN MY NAME, THE FUNDS FOR THE LOAN WERE TRANSFERRED INTO MY BANK XXXX XXXX ACCOUNT # XXXX THE UPSTART LOAN NUMBER IS XXXX THE LOAN WAS NOT TAKEN OUT BY ME AND WAS FRAUDULENT ON ALL ACCOUNTS THE DATE THAT THE FUNDS WERE TRANSFERRED TO MY ACCOUNT WAS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Revocable Trust XXXX XXXX, OFFICER for CHASE BANK, JPMORGAN CHASE BANK, NA at XXXX XXXX XXXX XXXXXXXX, WA XXXX On or about XX/XX/XXXX the Grantor and Trustee appeared by scheduled appointment at the location stated above. We intended to open a trust account, personal and/or business account ( s ). XXXX XXXX, Officer for CHASE BANK, JPMORGAN CHASE BANK, NA was provided with Passports as identification, a secondary ID, a tax ID number and Certificate of trust. XXXX XXXX made copies of the instruments we provided. XXXX XXXX, stated that it would take 3 to 5 days to get approval form what he called their back office ( legal review team ). No response was received. On XX/XX/XXXX, Grantor made another appointment online. XX/XX/XXXX, the Grantor and Trustee appeared at the location stated above where XXXX XXXX providing no documentation, policy or law supporting his script and non performance, stated on behalf of the Chase Bank that it would not open a trust account because it was a foreign governing body and that they would only open an account associated with a social security number. The Grantor stated he was unhappy about the situation. Upon hearing this XXXX XXXX stated he was entered that In the computer and Chase Bank will now refuse to do any business with you. The Grantor asked XXXX XXXX to provide me with direct contact with your back office and a supervisor of the department which he denied. I asked XXXX XXXX when did he receive the information. He replied Friday, XX/XX/XXXX. I asked why did he not contact me on the day he received the information. He replied, he didnt have time. XXXX XXXX stated that I the grantor has to get authorization from the state to open a trust account. 
Constructive Notice of Sec.1 Public Law 93-579, Privacy Act served XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: OH

Complaint narrative:
Have accounts appearing on my credit report that are effecting my household negatively and i have tried to contact the company and have gotten nowhere because I do not know any details about these account, what I do know is what is listed below. The account info that is listed on my credit report is listed below. 

1 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$4000.00} balance owed {$6000.00} 2 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$3800.00} balance {$4700.00}

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 2022-08-03 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: FL

Complaint narrative:
Account XXXX on my Experian Report is being reported improperly. I provided a dispute request notice to XXXX informing them to no longer report any of my transaction information which is prohibited under Federal U.S Code. My student loan account XXXX contains transaction information in the report. Experian grave duty is to protect my rights as a consumer to protect my rights to privacy but has not by their continuance to report account XXXX that contains prohibited information. I have enclosed a copy of notice provided to 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
Consumer complaint received 2022-08-03 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: PA

Complaint narrative:
In accordance with the Fair Credit reporting Act XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXXr Account # XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have A right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states A consumer reporting agency can not furnish A account without my written instructions.

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 2022-08-03 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: PA

Complaint narrative:
In accordance with the Fair Credit reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have A right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states A consumer reporting agency can not furnish A account without my written instructions.

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 2022-08-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Dates Of CO ( Charge off ) are not matching card numbers and the CO is for XX/XX/XXXX and not XX/XX/XXXX ( Printscreen sent of Experian ) and also account closer of 1099-c provided screenshot. Please rectify the charge off to XX/XX/XXXX and not XX/XX/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
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-South Adjustment Co., Inc.
State: TX

Complaint narrative:
Hello Sir/Ma'am I am writing as concern as a service-connected veteran of XXXX XXXX. For over 9 years the VA has deducted amounts owed to services rendered by the VA Outpatient clinic from my VA XXXX compensation. I am 10 % service-connected, and never once had paid out of pocket for medicine due to it the VA taking it out of VA XXXX compensation. The VA has showed me over the course of 9 years and more that is what they do. It is disturbing on many levels that I now have a debt collector and that my credit is now going to be affected due to someone not taking {$8.00} from my compensation, now I have a balance of {$33.00} dollars. The VA always had a way to access unpaid funds from me, since that is what they have been doing for over 9 years, with the exception of that 1 time. Veterans to include myself struggle with XXXX due to things that happened in the military and to have this happen to me. It makes think that this is happening to other veterans needlessly. Especially, when the VA has an avenue to get their money, and that my service-connected XXXX is paid by the VA. it does not make sense. This should not have gotten to this point due to having methods to deduct {$8.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
XXXX IS ATTEMPTING TO COLLECT ON AN ALLEGED DEBT THAT WAS AN OBLIGATION OF XXXX TO PAY MONEY ARISING OUT OF A TRANSACTION WHICH THE PROPERTY OR SERVICES WAS USED FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES. 
XXXX HAS VIOLATED MY FEDERALLLY PROTECTED RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICE ACT 15 U.S.C. 1692 AND ALSO UNDER REGULATION F OF THE CFPB.. XXXX HAS USED ABUSIVE AND UNFAIR PRACTICE WITH MEANS OF COLLECTING ON AN ALLEGED DEBT. XXXX REPORTED TO MY CONSUMER REPORT WITH EXTORTINATE INTENTIONS OF COERECING AND SWINDLING ME INTO PAYING AN ALLEGED DEBT. XXXX FAILED TO FOLLOW THE CORRECT PROCEDURES BEFORE REPORTING TO THE CREDIT REPORTING AGENCIES.. I CALLED XXXX TODAY AND WAS TOLD BY AN REPRESENTATIVE BY THE NAME OF XXXX, THAT XXXX EMPLOYEE CALLED TWICE TO THE TELEPHONE # XXXX WITH NO ANSWER ON XX/XX/XXXX, AND XX/XX/XXXX OF 2022. I HAVE NO IDEA WHO TELEPHONE NUMBER THAT IS BECAUSE, ITS NOT MINE. I ALSO ASKED HER DID THEY CONTACT ME ANY OTHER TIME VIA MAIL OR ANYTHING AND SHE STATED NO. I ASKED HER FOR THE THE BALANCE AND SHE STATED THAT I HAD TO PAY COLLECTION FEES THAT THE COMPANY XXXX HAS DUE TO THEM HOUSING THE ACCOUNT, WHICH IS IN FACT ILLEGAL. I AM NOW PUTTING THIS COMANY ON NOTICE TO CEASE ALL COMMUNICATIONS FROM ME FROM ALL MEDIUMS. ( INCLUDING MY CONSUMER REPORT ) I AM NOT PAYING YOU FOR THE ALLEGED DEBT. FAILURE TO CEASE COMMUNICATION AND REMOVE MY PERSONAL INFORMATION FROM YOUR COMPANY OFFICE WITHIN 10 DAYS OR I WILL PROCEED WITH LEGAL MATTERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am unable to speak to someone at the credit reporting agency to discuss the sudden re-appearance of a paid off auto loan that reported a late payment on my credit report I've called multiple times and left a voicemail and received one response but was hung up on. I have not received a call back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-03 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation