vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Sir/Madam, I am a client of Suntrust bank for for the past three years and hold a checking, savings and business account in the XXXX Ga branch . I had requested reimbursement of funds that were frauduently taken from my account starting on XX/XX/XXXX XXXX. 

An investigation was prompt on XX/XX/XXXX. A computer hacker tried to steal {$2100.00} from my account. This transaction was noticed by me and I alerted the bank 's fraud department and the account was immediately suspended. 

I was promised that the funds would be reimbursed to my account within a reasonable time 10-30 days. 

I am sad to say that despite making calls to the customer service department and visiting the branch several times, there has been no action taken to date. Its been four months now. 

My dispute details are : Account No : XXXX Business Checking Account Unauthorized Items disputed Date Amount of Debit XX/XX/XXXX {$1100.00} XX/XX/XXXX {$610.00} XXXX {$1300.00} I request you to look into my case and help me to be reimbursed the money that was stolen from my account. As well as all of the associated NSF fees associated with these unauthorized transactions. 

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 explanation
Consumer complaint received 2021-10-09 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: T.S. Holdings
State: FL

Complaint narrative:
In the state of Florida a collection agency can not charge interest on a debt without it clearly stating so in an original contract. I have sent several letters to IQ Data notifying that they are damaging my credit by charging very high rates of interest month over month then I noticed that they were stating that they were collecting a debt for XXXX XXXX XXXX XXXX so I thought that this maybe the result of identity theft. I contacted XXXX at XXXX who has notified me that the account actually belong to XXXX XXXX XXXX XXXX  I then advised her that the information sent to me does not match whats listed on my credit report and there is no clause stating they can charge me these high interest rates she the proceeded to hang up the phone on me. I called back in and spoke to XXXX XXXX and requested to speak to a supervisor and she advised they were all in a meeting and proceeded to transfer me to XXXX who proceeds to hang up on me every time I request pertinent information about the account which I feel is a violation of my rights. Today XX/XX/2021 I advised her I had a consultation with an attorney to confirm that under Florida debt collection practices if they are allowed to do what they have been doing i have not hired an attorney I just have had consult with one and she rudely told me to stop harassing IQ data and to have an attorney call them on my behalf and XXXX. I am under the impression that I am entitled to an accurate and fair credit reporting and I feel IQ Data is defaming my good name and credit profile. I would like for it to be noticed that the balance listed is inaccurately reporting, the name is inaccurate for the original creditor, and I am being charged an extremely high interest rate on this debt. Please see screen shot of balances reporting for the month of XXXX the same month the " validated the debt '' the balance is listed incorrectly due to constant interest being added.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: OneMain Finance Corporation
State: NC

Complaint narrative:
If ONEMAIN wouldve looked at the attachments, they would know and see the inquiry have been removed. A deletion is admission. I do not believe ONEMAIN improperly obtained my consumer report, but I KNOW ONEMAIN did. ONEMAIN benefited from my credit card, but I did not. That is a violation pursuant to 15 USC 1691 Equal credit opportunity which states, it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Did ONEMAIN give me anything after obtaining my consumer report? No. Thats another violation pursuant to 15 USC 1681n Civil liability for willful noncompliance ( b ) civil liability for knowing noncompliance any person who obtains a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting or {$1000.00}, whichever is greater. ONEMAIN damaged my consumer report, and I am seeking relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: DISCOVER BANK
State: WI

Complaint narrative:
I STILL SEE REMARKS ON MY XXXX CREDIT REPORT ON XXXX XXXX. REMOVE ALL REMARKS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09 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: WI

Complaint narrative:
I STILL SEE REMARKS ON MY TRANSUNION CREDIT REPORT ON XXXX XXXX. REMOVE ALL REMARKS.

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 2021-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
Roundpoint Mortgage Servicing Corporation has lost my hazard insurance information and is not effectively monitoring various websites they have outsourced multiple processes to. 

When I try to access their website at roundpointmortgage.com, they offer no method for contacting them securely from that site, and instead redirect me to a website on a completely different domain, at XXXX. That site in turn then directed me to yet another domain at ihaveinsurance.com that is broken and offers no way of contacting the company that operates the site. 

For payment and other account management tasks, the roundpoint.com site again is useless and their " sign in '' button merely sends the customer off to yet a third domain at XXXX, which like the other sites offers no secure method of communication. 

I am concerned that this company is engaged in risky and quite frankly " sloppy '' management of personal data and is not exercising due diligence to ensure third parties they redirect customers to are operating functioning sites that provide secure means of communication and transmittal of data.

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 2021-10-09 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: EQUIFAX, INC.
State: WI

Complaint narrative:
ORIGINAL CASE XXXX WHY IS THIS STILL ON MY CREDIT REPORT. THIS ACCOUNT HAS BEEN CLOSED SINCE XXXX. AGAIN I ASK WHY IS XXXX & EQUIFAX ENTERING REMARKS ON AN ARCHIVED ACCOUNT. DO NOT MAIL ME YOUR FINDINGS. I WANT EMAIL ONLY AND YOUR RESULTS OF THE INVESTIGATION UPLOADED ON THE CFPB. I TRIED DISPUTING DIRECTLY ON EQUIFAX AND WOULD NOT LET ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
XXXX. XXXX, 2021, New American Funding ran my credit without my consent and permission, it was a hard inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
On XX/XX/2021, I disputed Exeter Finance LLC account on my consumer report via XXXX as inaccurate. The account showed a balance of {$15000.00} and highest balance of {$15000.00} and listed Exeter Finance LLC as the creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. 
On XX/XX/2021, I contacted XXXX and oXXXX XXXX, I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021, I submitted a complaint via CFPB website. On XX/XX/2021 I contacted Exeter Finance LLC via telephone and asked representative XXXX for a copy of my contact and a payoff quote to be sent to me via email. Mr. XXXX transferred me to Ms. XXXX and I asked for the same, a copy of my contract and a payoff quote to be emailed to me. Ms. XXXX stated it would come from a different department in about 24 hours via the email address I provided and confirmed the payoff quote is {$15000.00} and that it had to be paid by XX/XX/2021. As of today, XX/XX/2021, Exeter Finance LLC account is still being furnished on my consumer reports via XXXX, Exeter, and XXXX. I, XXXX XXXX XXXX, never gave Exeter Finance LLC permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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:
Experian did an investigation on XXXX. In a previous request, I disputed the fact that the payment status listed was not correct. I requested to have incorrect payment status/delinquency deleted from this account. During the reinvestigation, some of the delinquency was removed but not all due to incorrect information. This is a violation of my credit rights. If there is any delinquent incorrect information, it should all be removed. For example they removed late pay delinquency status from XX/XX/2020 ; however Experian left XXXX, XXXX, and XXXX at 90, 120, and 150 days. How can this be done? Once there is at least one inconsistency all the late pay delinquency status must be removed. How can you just say the customer is 90, 120, and 150? Its incomplete. You cant go from not reporting at all to 90, 120, 150. This is incomplete and is in violation with the rights of the consumer. Please remove the remaining late pay delinquency from 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 explanation
Consumer complaint received 2021-10-09 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
ORIGINAL CASE XXXX WHY IS THIS STILL ON MY CREDIT REPORT. THIS ACCOUNT HAS BEEN CLOSED SINCE XXXX. AGAIN I ASK WHY IS WF & XXXX ENTERING REMARKS ON AN ARCHIVED ACCOUNT. DO NOT MAIL ME YOUR FINDINGS. I WANT EMAIL ONLY AND YOUR RESULTS OF THE INVESTIGATION UPLOADED ON THE CFPB. I TRIED DISPUTING DIRECTLY ON XXXX AND WOULD NOT LET 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 non-monetary relief
Consumer complaint received 2021-10-09 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: NE

Complaint narrative:
Company is fraudulently reporting a debt that dose not belong to me. This company is in numerous of violations of my consumer rights. I've attached my affidavit below in this complaint listing all violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I created an account with Synchrony Financial services through XXXX retailer. I purchased a furniture in XX/XX/2018 and given equal payment promo for 24 months. I called the customer service of Synchrony and was told to pay only the minimum payment due so that by the end of promotional period i would have paid the entire balance with no interest. After that i made 2 other purchases with XXXX through Synchrony card. I was not told anything about the promo. I completely relied on the bank 's credibility and even setup automatic payment. Today i noticed i have been charged interest rate from XXXX of this year with out any kind of notification. When i called the customer service and told about the situation, they did not care about it and not ready to help. 
Why was i told to pay only the minimum payment due and given false promises that i would be paying off my balances by the end of promotional period. Now i feel like i have fallen victim for the bait and switch.

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 2021-10-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I disputed XXXX XXXX XXXX account on my consumer report via XXXX as inaccurate. The account showed a balance of {$15000.00} and highest balance of {$15000.00} and listed XXXX XXXX XXXX as the creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. 
On XX/XX/2021, I contacted XXXX and on XXXX, I contacted XXXX and Equifax via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021, I submitted a complaint via CFPB website. On XX/XX/2021 I contacted Exeter Finance LLC via telephone and asked representative XXXX for a copy of my contact and a payoff quote to be sent to me via email. Mr. XXXX transferred me to Ms. XXXX and I asked for the same, a copy of my contract and a payoff quote to be emailed to me. Ms. XXXX stated it would come from a different department in about 24 hours via the email address I provided and confirmed the payoff quote is {$15000.00} and that it had to be paid by XX/XX/2021. As of today, XX/XX/2021, XXXX XXXX XXXX account is still being furnished on my consumer reports via XXXX, XXXX, and Equifax. I, XXXX XXXX XXXX, never gave XXXX XXXX XXXX permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: GA

Complaint narrative:
On XX/XX/2021, I disputed XXXX XXXX XXXX account on my consumer report via Experian as inaccurate. The account showed a balance of {$15000.00} and highest balance of {$15000.00} and listed XXXX XXXX XXXX as the creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. 
On XX/XX/2021, I contacted Experian and on XXXX/XXXX/202, I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021, I submitted a complaint via CFPB website. On XX/XX/2021 I contacted XXXX XXXX XXXX via telephone and asked representative XXXX for a copy of my contact and a payoff quote to be sent to me via email. Mr. XXXX transferred me to Ms. XXXX and I asked for the same, a copy of my contract and a payoff quote to be emailed to me. Ms. XXXX stated it would come from a different department in about 24 hours via the email address I provided and confirmed the payoff quote is {$15000.00} and that it had to be paid by XX/XX/2021. As of today, XX/XX/2021, XXXX XXXX XXXX account is still being furnished on my consumer reports via XXXX, XXXX, and XXXX. I, XXXX XXXX XXXX, never gave XXXX XXXX XXXX permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).

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 2021-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Company is fraudulently reporting a debt that dose not belong to me. This company is in numerous of violations of my consumer rights. I've attached my affidavit below in this complaint listing all violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: NE

Complaint narrative:
Company is fraudulently reporting a debt that dose not belong to me. This company is in numerous of violations of my consumer rights. I've attached my affidavit below in this complaint listing all violations

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 2021-10-09 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: NJ

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
the statement and closing dates reporting to the credit bureaus wrong and early than my due date or closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I sent BMW Financial Services an affidavit requesting proof under penalty of perjury that they are in fact the true creditor, and not an elaborate scheme. I have reasons to believe that BMW obtained payment for my vehicle by way of selling the promissory note I affixed with my signature on XX/XX/XXXX XXXX, when the transaction was initiated. Therefore, my vehicle is paid in full. I requested documents from BMW Financial Services proving they are in fact acting according to Truth In Lending, FDCPA, and in fact the lender/creditor and under what rights does BMW Financial Services have to " bill me '' for monthly payments, if they havent actually lent me anything. Its required under 10 Maxims of Law that a lien or claim can be satisfied only through rebuttal by counter affidavit point by point, that which BMW financial Services failed to do. Instead, they sent a letter that addressed none of my concerns. They provided the contract in question, which I did not request. I have attached a copy of the 10 Maxim Laws for your convenience. As of today XX/XX/XXXX, my affidavit remains unrebutted. Despite being required to stop all debt collection activities until this matter is resolved, and cease and desist all communication, I have received emails and calls from BMW Financial services violating 15 U.S Code 1692c ( c ). BMW Financial Services also attempted to scare me with threatening language which is a violation of Title 15 USC 1692d ( 2 ), I have attached a copy of the letter with the violation highlighted. They were required to provide verification that an actual debt really exists. The language in their letter indicates that my affidavit wasnt comprehended properly or ignored intentionally, whichever the case I have provided/attached a detailed list to reiterate.

Company response to consumer: Closed with explanation