vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 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: MO

Complaint narrative:
U.S Department of Education has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Loans from XX/XX/2012 XXXX XXXX College is the College attended XXXX XXXX, Mo U.S Department of EducationXXXX XXXX has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Same loans from XX/XX/2012 XXXX XXXX College is the College attended. XXXX XXXX, Mo

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: MO

Complaint narrative:
U.S Department of Education has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Loans from XX/XX/2012 XXXX XXXX XXXX is the College attended XXXX XXXX, XXXX U.S Department of Education/XXXX XXXX has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Same loans from XX/XX/2012 XXXX XXXX XXXX is the College attended. XXXX XXXX, Mo

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 2022-01-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
U.S Department of Education has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Loans from XX/XX/2012 XXXX XXXX College is the College attended XXXX XXXX, Mo U.S Department of EducationXXXX XXXX has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Same loans from XX/XX/2012 XXXX XXXX College is the College attended. XXXX XXXX, Mo

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 2022-01-14 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-01-14 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: CA

Complaint narrative:
I went to the emergency room in XXXX for some XXXX XXXX XXXX, and I provided my medicaid information to the hospital. Apparently the hospital did not provide that information to the doctor, and now I've received a bill for {$1400.00}. I do not owe it. It would have been covered by medicaid if they'd just communicated with the hospital. That being said, it's now past timely filing, and I am unable to have them billed for it. Legally, they need to wipe out the debt and delete it from my credit report. It is a violation of my XXXX rights to have a medical debt on my credit report as well, and if I can not get this resolved amicably, then I will have no choice but to contact my attorney to get this resolved and seek damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Suntrust merged with BBT and is becoming Truist. I have been a Suntrust customer since XXXX. I had signed for the signature advantage account that required me to maintain a min balance of {$25000.00} across all my accounts without paying any fees. In XX/XX/XXXX I was forced to migrate from my suntrust app to a new Truist mobile app. A few weeks later I noticed that I could no longer see my statements. I then clicked around found a link that informed me that my account was going to be migrated to a new offering effective XX/XX/XXXX that would require me to maintain a minimum of {$50000.00} fees. I had signed an agreement with Suntrust that my account minimum balance requirements would never be changed. Instead of grandfathering my agreement I have been told by Truist employees that they have had a lot of complaints along the same vein but tough luck. Corporate has told them the rules are changed and deal with it. Banking options continue to be reduced and mergers such as these instead of offering better options for consumers seems to be designed to harass and gauge clients for more fees for less service. The Truist corporation is a disastrous next step towards additional banking oligopolies that are antithetical to a healthy financial marketplace for consumers. I truly expect that CPFB can do nothing to alleviate this. As a financially aware consumer I will eventually find options for myself but I shudder to think how many unsuspecting consumers young and old will be price gauged by Truist ( what a diabolical twist on the word altruist, ugh ). What a shameful outcome.

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 2022-01-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GreenSky, LLC
State: CA

Complaint narrative:
I had identity theft and this company was listed on my credit report and they refuse to remove it. The balance now is {$3200.00} and its reporting on my XXXX credit report and has been showing since 2019. I filed a police report with the XXXX Police Department The company name is XXXX XXXX XXXX GreenSky acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: Block, Inc.
State: MI

Complaint narrative:
XXXX XXXX and square business debit card failed to investigate my unauthorized charges before denying my dispute. A hacker accessed my card and pin. And because a pin was used. XXXX XXXX  refuse my dispute. Without properly investigating. Because if they did. It was not me who walked in that store and picked up pizza all the time. I first learned of the fraud on XXXX. Filed disputes. But also. My square business debit card was hacked 2 days after activating my square business debit card. I feel like ive been embezzled from for the last year and a half. People need to know square business debit cards are not secure. Because I opened that card. My business has had XXXX dollars stolen from it. And XXXX XXXX wont investigate these charges properly. Or call me back. I was never there. They have surveillance to track this person. Two big corporations. Allowing the taking from a tiny business. Because I opened a square business debit card for my business I got thousands stolen from me. Small amounts over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: MI

Complaint narrative:
The criminal offense of unlawful driving away says I got XXXX XXXXs on my license I havent had my license for 15 years I got it back two weeks ago how can I have points on a license I dont have also there is what seems to be duplicates of the same thing mainly failure to comply it says that ten + times also there is a no proof of insurance that was dismissed that should not on there I was recently at the Secretary of State and I was told my drivers record was like I first got it I am currently on ten months of probation like I was when I got my license when I was XXXX through the Secretary of State

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
PayPal has taken {$620.00} from my bank twice, yet only credited my account once. XX/XX/XXXX from my debit card, and XX/XX/XXXX from my checking account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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: FL

Complaint narrative:
The following accounts were discharged in bankruptcy and there is no bankruptcy on file. 
I have filed multiple disputes with Equifax and they continue to report these inaccurate accounts on my credit file. XXXX XXXX XXXX Account # XXXX & XXXX XXXX XXXX XXXX Account # XXXX. Please remove these inaccurate accounts from my credit report. There is no bankruptcy on file so these accounts that are included in Bankruptcy need to be removed immediately. I have attached the credit report that i received from Equifax dated XX/XX/2021 which shows that both of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were included in bankruptcy. Bankruptcy has been removed due to inaccurate information reporting now please remove these accounts that were tied to the inaccurate bankruptcy. I have attached the Equifax reports, my drivers license, social security card and utilities bill for proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Minnesota medical privacy rules XXXX 
I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX, capital one auto refuses to accept payments from my business account more than a year after I closed the personal account I had used for making payments. I was told at least twice that three regular payments in addition to paying the payment due to catch up, would allow me to resume paying automatically. Each time I fulfilled my obligations, their story changed. Either I hadn't called before another payment was due ( I had ) or now it was 6 payments before I could regain online access. 

Meanwhile, each time I missed a payment, I receive emails personally inviting me to use their website to make a payment. Of course this is just a ruse, meant to frustrate their customers. 

Capital one seems to intentionally discourage people from making payments on time while insisting that their customers share personal information including credit card numbers to operators in the XXXX. 

The balance is almost paid off. There's no need to keep me from making payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint narrative:
From last year XX/XX/XXXX onwards Equifax is withdrawing {$22.00} from my chequing account on the XXXX of every month XXXX and I found out about it only in XXXX. so I called them and told them that I did not do any business with them to or authorise anthing to be withdrawn from my account at all, I called my XXXX XXXX  regarding this and they said they put a stop payment and going to dispute wtih them as they could not solve it I thought they might have put a stop payment and i called Equifax to enquire about it couple of times in the month of XXXX and when I saw the same withdrawel from my account the same amount for the month of XX/XX/XXXX I called them and they did not answer me properly and hang up on me, And I told them that they can steal money from my account but could not solve the problem or find the reason for the withdawel, i am very upset, XXXX and due to pendamic I am unable to work and this big company is withdawing the amount from my account without a reason. so kindly request you to investigate and ask them to pay the compansation and stop withdrawing money from it to. 

Yours Truely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TN

Complaint narrative:
I recently refinanced my home and the loan was sold/transferred to Flagstar Bank within a month or so. Rather rather than make the regular payment of XXXX each month, I chose to pay {$500.00} each week which I thought would be applied to the mortgage balance on date of receipt and help reduce total interest paid and result in paying the mortgage off sooner. See mortgage statement in attachments whichwas pulled from the XXXX website. I received a notice that they had not received payment. I called customer service and they applied the payments on the day I called, not on the date the payments were received. 

Is this legal? Can they hold payments that I send to them without crediting my mortgage? 




Date Description Total Amount Payment Principal Payment Escrow Payment Interest Payment Fees/Other Charges Payment Suspense Principal Balance Escrow Balance XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Payment 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
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: TX

Complaint narrative:
I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: NY

Complaint narrative:
After reviewing my credit report and notice there are some accounts that are still reporting and they are paid in full and should be deleted from my file. I have also noticed some accounts are reporting from a third party company and should be deleting because I have no signed contracts with them. 
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 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 2022-01-14 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: NY

Complaint narrative:
After reviewing my credit report and notice there are some accounts that are still reporting and they are paid in full and should be deleted from my file. I have also noticed some accounts are reporting from a third party company and should be deleting because I have no signed contracts with them. 
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 2022-01-14 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XXXX, of 2021 I saw that my Chase account had charges from a bank in XXXX, and also charges on XXXX. 

I don't use XXXX, and it totaled out to XXXX $ in total. 

I called Chase and filed claims for unauthorized and fraudulent charges. 
I called them EVERY month and they never had anything to add, or say about my account. 

Then, all of a sudden my account was closed and charged off and they're saying I owe them XXXX dollars for transactions I NEVER MADE. 


I'm suing Chase now because this XXXX is XXXX ridiculous. This isn't how you do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX company is currently showing 30 days late ( XXXX XXXX XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXX XXXX )

Company response to consumer: Closed with explanation