vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX owned by XXXX XXXX in XXXX, Michigan added {$1400.00} non-itemized damages to my resident ledger after I moved. I notified management that my family would be moving out at the beginning of XXXX. We lived at the same apartment XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX and moved out on XX/XX/XXXX. The lease was through XX/XX/XXXX and I paid for that month in full. Management was notified on XX/XX/XXXX that we would not be renewing our lease. I spoke to management on XX/XX/XXXX and was given a final payment of {$940.00}. My security deposit of {$840.00} was never returned and I started receiving collection calls from Fair Collections and Outsourcing XXXX Inc. beginning in XXXX. 

I called the collection agency to find out what the balance was for as I never received any documentation from XXXX XXXX. I was told that there were balances for utilities for XXXX as well as " Damages '' They could not produce any listing or evidence of the damage. 

The apartment was an older apartment when we moved in. No updates had been made in many years. There were several repairs reported to management while my family occupied the apartment. Item number 18 of our lease is Owner 's duty to repair. There were many repairs needed while my family lived there. All were reported promptly and none were caused by my family and none were repaired correctly. This includes a broken window, water leaking into the main bedroom causing mold, mold and no working fan in the bathroom, the stove vent did not vent outside of the apartment, a leak from the upstairs apartment into our kitchen light socket, and the furnace was leaking water into the living room. 

In the storage area there are boxes of previous tenant records that are available for anyone to rifle through, it is not a locked area. This management company is sloppy and has been a detriment to many renters and past renters. 

I have disputed this collection because I do not believe there is {$1400.00} of damage. I believe this company is trying to extort money from me to upgrade their apartments. I received nothing from the credit agencies but it is noted on my credit score that the collection meets FCRA requirements. I have heard from other previous tenants that the same charges were added to their ledger after moving as well. I would like a list of what these damages are. How can I dispute these damages when I don't even know what they are?

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 2021-09-15 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: SC

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, I entered my bank 's application and I realized that there was less money than I should have, so I began to review all the charges, because it is a business account ; and I realized that there were many charges which I did not recognize in total there were 11 charges which are the following : {$12.00} XXXX XXXX {$150.00} XXXX XXXX  {$170.00} XXXX XXXX XXXX {$270.00} XXXX XXXX {$110.00} XXXX XXXX {$250.00} XXXX XXXX {$170.00} XXXX XXXX {$560.00} XXXX XXXX {$160.00} XXXX XXXX {$1700.00} XXXX XXXX {$300.00} XXXX XXXX TOTAL : {$3900.00} On the same XX/XX/2021, I called the BANK OF AMERICA call center to report the charges that I did not recognize and they told me that they would give me a provisional credit in the next 48 hours, while the investigation concluded. 

On XX/XX/, I received a letter from BANK OF AMERICA saying that they could not return the money to me because I had authorized all the charges and that the documents that proved it were attached to the letter, in which there was no attached document ; The amount of the letter was the amount of {$3000.00} and not the actual amount, which I said previously. That same day, I called back to the BANK OF AMERICA customer service center and they told me that in order for the investigation to be reopened, I had to send a fax explaining everything, which I did immediately. 
On XX/XX/ I again spoke to the BANK OF AMERICA call center to find out the resolution of the problem and they told me that it had again refused because I had made those charges and that in the message box of the BANK OF AMERICA application it would find all the evidence that proved the resolution of the investigation and that all I could do was go to the police. It is worth mentioning that I entered the mailbox and it was empty On XX/XX/ I went to the BANK OF AMERICA branch, I told the executive the whole situation and again called the BANK OF AMERICA call center and on the call they told her that in each purchase I sent a copy of my passport to confirm each purchase, which is not true. I have already requested several times that they send me the evidence where I send my passport and they have not sent me anything. 
I have been with the BANK OF AMERICA business account for about two years and nothing has ever happened. I have moved a lot of money in that account and it is not possible that when I need support they turn their back on me.

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 2021-09-15 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
suntrus XXXX, They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application

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 2021-09-15 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: AZ

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

1. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX General Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, Used Inquiry date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by FINANCIAL CREDIT NETWORK , INC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was overbilled and I was not given proper notices despite letting XXXX XXXX XXXX  know my new address : Your collection company harassed me and called me at odd hours and did not stop calling after I told the customer service reps not to call. 

My account is : Account Information : Date Opened : XXXX XXXX, 2015 Balance : {$0.00} Type : Collection Account Solution : Deletion account from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I XXXX XXXX have been violated pursuant to Exclusions statue 15 U.S.C 1681a ( 2 ) ( A ) ( iii ), and Notice Of Requirements statue, 15 U.S.C 6802 ( a ), ( b ) Opt-Out ( 1 ) ( A ), ( B ), and ( C ) ; As a federally protected Consumer, I have a right to privacy, pursuant to abusive practices statue, 15 U.S.C 1692a and anything I deem private is in fact private. According to U.S.C 1681a ( 2 ) under Exclusions " consumer report '' does not include ( i ) ... information solely as to transactions or experiences between the consumer and the person making the report ; Transunion, XXXX, XXXXXXXX XXXX XXXX and XXXX have all violated my consumer rights to privacy, pursuant to the above statues. Additionally, I was not disclosed of my right to Opt-Out pursuant to 15 U.S.C 6802 ( b ) ( B ) as a federally protected consumer, I never gave written instructions or authorization to ANY information furnisher or reporting agencies to publish any misleading or inaccurate medical data on my consumer profile. This is a HIPPA violation and they are all civically liabile pursuant to 15 U.S.C 1692k.

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 2021-09-15 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: GA

Complaint narrative:
I paid XXXX XXXX XXXX in full yet they are still reporting to TransUnion and XXXX as collections.

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 2021-09-15 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: GA

Complaint narrative:
I paid XXXX XXXX XXXX in full yet they are still reporting to XXXX and Experian as collections.

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 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KS

Complaint narrative:
I applied for Covid relief, and my application was accepted. I contacted them to begin re-payment, and in two week they applied for foreclosure. I contacted them and they had me to complete a lengthy application and turn in numerous documents. They stated that my documents were not accepted.

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 2021-09-16 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: AZ

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
In XX/XX/XXXX I wrote a check in the amount of {$20000.00} for deposit and mailed it to Goldman Sachs to fund an account using their MARCUS savings account product. I was instructed to make the check payable to myself and endorse the back of the check. I followed their instructions exactly as they explained and mailed the physical check. The check was not cashed at that time and I was informed that Goldman Sachs could not locate the check. I placed a stop payment order on that check with my normal bank XXXX XXXX XXXX XXXX and replaced the lost check with a wire. I subsequently closed the Goldman Sachs account earlier this year ( I believe it was in the first quarter of the year ). On Thursday XX/XX/XXXX ( 15 months after writing the original check ) the check was cashed by Goldman Sachs and cleared from my XXXX XXXX XXXX XXXX account. I contacted XXXX XXXX on XX/XX/XXXX and was informed that they had no record of the check being received and my account was confirmed as closed and unfunded at that time. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and was informed that the stop payment I placed on the check 15 months ago was no longer valid and would not have done any good because the stop payment is only valid for six months. Also on XX/XX/XXXX, a representative from Goldman Sachs reached out via phone and informed me that they would be reimbursing me my {$20000.00} via a check delivered via the US Mail, they confirmed what address to send it to and the call was completed and I believed the issue resolved. Today I was contacted via email by Goldman Sachs to let me know that since I have moved they can no longer send me a check and they don't know how to get the money back to me. As of filing this complaint I have no resolution on how am I going to get my {$20000.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
Mortgage servicer is AmeriSave and their sub-contracted agent XXXX XXXXXXXX XXXXXXXX. 

Servicer failed to pay our {$2900.00} flood insurance premium from escrow by the policy due date of XX/XX/XXXX. Timely payment was not made and we made the payment directly to avoid policy termination. Servicer initially stated they would reimburse upon receipt of proof of payment and updated policy declarations page. Said documentation was provided same day. Servicer then balked at reimbursing and stated it was up to us to get it back from the insurer. We strongly protested and on XX/XX/XXXX servicer agreed to reimburse after receiving their refund from the insurer. The insurer processed the disbursement to servicer on XX/XX/XXXX. The servicer has yet to credit our escrow account. Have requested follow up status with no reply. 

NOTE : attached is a detailed timeline synopsis of events with references to attached supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent in a dispute letter for incorrect information XX/XX/2021 and the credit bureaus have not replied in the 30 days. I am requesting an investigation into this matter. 
I disputed the following items to be removed from my credit file from XXXX, Equifax and XXXX. 
Incorrect names Incorrect addresses Past employers inquires that are outdated Debts that are not mine : XXXX : {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$710.00}, XXXX {$10000.00} Several Inquires XXXX XXXX ( 4 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX  ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX  ( 1 ) I am requesting these items be removed I am requesting these items be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX My husband XXXX deposited was depositing {$1900.00} into the drive through the ATM into our joint account around XXXX XXXX. {$1000.00} was put into when the ATM glitched and shut down and restarted. Once restored the ATM did not print a receipt, return the money, or post the money to the account. He then went to the walk up ATM at the same location and deposited the remaining {$840.00} that did post to the account. He left came home and got me and we returned to the bank which was closed so we checked the ATM to see if there was a service number and there was not. XX/XX/XXXX XXXX went to the bank to file a claim and was told I would have to file the claim as the card he used to make the deposit was in my name. XX/XX/XXXX| filed a claim via telephone. The {$1000.00} was put into the account a few days later. Then XX/XX/XXXX {$1000.00} was removed from my account and when I inquired as to why I was told that the investigation concluded that only {$20.00} was deposited in the ATM which is absurd. I then reached out to the XXXX XXXX XXXX via email to explain the issue and was redirected to the investigation department in which XXXX XXXX responded. The claim was reopened and again denied. On XX/XX/XXXX I spoke with XXXX XXXX Regions Branch Manager and she was unclear that it was my husband that made the deposit and not myself. After clarifying this information she relied the information to the fraud department. 
XX/XX/XXXX I spoke to XXXX XXXX for an update on the status of the claim and she had no update and stated that only {$20.00} was deposited. She told me they saw my husband come to the ATM and deposit money then go to the walk ATM and deposit the {$840.00} and they could see where he left and came back to the drive through which is when we were looking for a service number. I asked if I could see the video tape and was told I would need an attorney. I am sure the Video would show that more than {$20.00} was put into the machine and prove that more than {$20.00} is owed to us. I have been banking with regions for 12 years now and never had an issue of this sort.

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 2021-09-15 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Response to Capital One Bank Credit Card XXXX XXXX XXXX XXXX SS XXXX - XX/XX/XXXX Card ending in XXXX- 2 charges - Case Number XXXX Dated XX/XX/XXXX - and XXXX dated XX/XX/XXXX - The attachments enclosed are copies of numbers - NO signatures - or any proof I extended my stay at the stated hotel- After staying there from XX/XX/XXXX to XX/XX/XXXX The Manager that I dealt with was XXXX XXXX . She was the original manager that made the rate of XXXX XXXX per day. When this hotel sold in XXXX to the XXXX -The manager was changed to a man named XXXX - No one will give me his last name - Thus I have contacted the XXXX XXXX XXXX and filed Credit Card Abuse/Fraud - Police report number XXXX - The copies of the bills are not signed or initialed and what was provided were blank copies and NOT my signature - See my driver 's License signature. 
I have given XXXX XXXX, XXXX Tx Attorney permission to sue all parties involved in this fraud - Capital One advertises 100 % FRAUD PROTECTION- I have 5 accounts with Capital One and surprised I am having to take the steps to protect me from financial fraud.

Company response to consumer: Closed with explanation