vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
Huntington National Bank is my late Grandfather 's Trustee. Upon his death Huntington sold off his stocks and other interests in placed them in a Money Market account earning a meager .25 % while charging a fee of a full 1 % robbing the estate of .75 % annually. 

We vigorously objected to this and do not feel Huntington is acting with the Fiduciary Standards required by an XXXX XXXX XXXX  XXXX banking institution. We sent them examples of 30 CD 's earning 1.04 % and other higher yielding and safe investments. 

Currently the 10 year interest rate is over 1.5 % but as you can see in the attached documents, Huntington is collecting over {$7400.00} in fee 's while the estate is earning an embarrassing {$250.00}. This inaction by Huntington means they have stolen tens of thousands of dollars in principle unnecessarily and is a failure of their Fiduciary Responsibility and has been in place for now over three years with no end in site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
Allied Collection Services, Inc at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX has sent me a collection notice in the amount {$1000.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This Company does not have a contract with my signature.

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 2021-05-22 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: TX

Complaint narrative:
I began my dispute process with TransUnion on XX/XX/2021, after noticing several incorrect items on my consumer report. I sent a letter to TransUnion, and received a response dated XX/XX/2021, where some items were updated, and others were not. In accordance with my consumer rights under the Fair Credit Reporting Act, I sent a response to TransUnion dated XX/XX/2021 requesting the information the agency used to verify the items in question as accurate. I have a USPS certified return receipt, which shows a representative of the agency received my letter on XX/XX/2021. It has been over a month and I have yet to receive any response from TransUnion regarding the results of their investigation. TransUnion 's negligence to this matter has caused serious harm, as I have been denied new accounts because of items that TransUnion should have handled much sooner.

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 2021-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
They call me at least 10 times a day and leave me several messages. I have told them not to call me and asked for debt validation and proof of debt. They have not complied with any of my request but still continue to call me several times a day from all different numbers and leave voicemails. I have screen shots for proof of all the calls and and i have saved the voice mails and I even have a recording of the call where i asked for all of the validation and to have them stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filled a complain several weeks ago against Bank of America. however, the person in charge of the case Mrs. XXXX XXXX did referred the case to an attorney who sent me a letter misleading completely the nature of the complain. I sent an email to that attorney asking questions and never got a response ; I also called Mrs. XXXX who never answered my calls either. 
Below is the information to follow up this case, Thank you very much for your help, XXXX XXXX XXXX XXXX, consumer specialist. case # XXXX CFPB case # XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX Email 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 2021-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
On XXXX Presolve collections placed a collection on my XXXX  credit file. Upon further investigation, this account was transferred or sold and i am no longer responsible for this account. Presolve Collections has failed to verify this account, since my initial dispute in XXXX of XXXX. Also there was no written form of communication, contract or signature for this accused debt at all.A bill without a signature does not validate the debt in any way, shape or form. Anybody can send a bill and say it belongs to me. According to the FCRA, Presolve Collections has violated my right as a consumer. Therefore, I am requesting legal action to remove this negative item from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report. They were unable to provide me with a copy of the supporting documentation as proof. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. its been way over 30 days and i have no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report. They were unable to provide me with a copy of the supporting documentation as proof. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. its been way over 30 days and i have no response.

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 2021-05-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2021 a couple inquiries appeared on my consumer report. Someone tried opening fraudulent accounts with my social security number. I've created an doc report as well and demand for all items within that report to be deleted immediately. my identity theft reference number is 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 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MT

Complaint narrative:
XXXX XXXX XXXX XXXX. US Bank is supposedly added {$210.00} for an overdraft that I never knew about until not even a week ago and then they're going to withdraw it automatically again on a certain date when my unemployment had already covered it they said it was because of the covid and a stimulus check well they're getting ready to take the only bit of money I got and there's nothing I can do about it they didn't they don't care if no one ever told me or nothing and they never cashed my XXXX Bulgarian leather either which helped in it but my unemployment check covered the overdraft but they seem to put it in and now they're wanting to pay it back pay it back and you know I get XXXX a week about to lose my unemployment under XXXX can't find a job because unless I'm friend or a family of people you will not get a job and this is God forsaken country XXXX I will get a hold of me thanks XXXX XXXX US Bank

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 2021-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
I received an alert from my bank about negative activity on my credit report. I had already placed a security freeze with all three bureaus after the XXXX  data breach, so I was surprised to get this notice. I checked my credit report and saw a new account under collections for Credit Management LP on behalf of XXXX XXXX for {$300.00} past due. I have not used any services from XXXX since I was in college and I never missed any payments then. I did not receive any written notice or phone call from either XXXX or this company about the alleged debt. I called XXXX and they have no current record of me having an account related to this. This debt collection agency seems fraudulent and Ive initiated a dispute.

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 2021-05-22 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: NY

Complaint narrative:
This is a horrible comoant with their free membershio my Equifax when I login the credit score wont update when its supposed to every 30 days the last score update was XXXX!!! And it wont download my file or let me submit disputes it gives me error message this has to be fixed its been like this long time and they have done nothing about it to fix their system to upload my file and score recently this system is crazy when I call they wont help its important for me to be able to see whats reporting and submit disputes since Im a victim of identity theft but their system wont let me or see anything horrible company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have been disputing this debt since 2019. I deny that the debt is mine or amount owed is correct, deny the interest rate and terms are anything I agreed to. 

I have asked to have the debtor provide a time and place for me to view the original contract not a copy of papers with a copied signature that can easily be copy and pasted. 

I have asked many times for an audit that shows how interest fees and payments were calculated based on GAAP generally accepted accounting principles. 

I have asked that the company remove the negative reporting on my credit report as mandated by federal law until the debt can be proven. The company refuses to remove the debt from my reports until they meet this legal requirement

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 2021-05-22 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: PA

Complaint narrative:
I, consumer XXXX XXXX has instructed Equifax a consumer reporting agency to remove inquires and several accounts since XX/XX/2020. Equifax has taken it upon themselves to furnish my information without my permission and without my written consent. This constitutes fraud and is against my federal consumer rights 15 USC 1681b ( 2 ) ( A ) Permissible purposes. Equifax has furnished credit history in which should also be excluded and factual information is against my rights as well. Several letters have not worked and now I've sent affidavits of truth to fix the issue. Equifax continues to violate me and I want it to be fixed and I want compensation for this abuse of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
collection agency violated FDCPA, FCRA and HIPPA by posting protected medical information on various credit bureaus without validating that the alleged debt belongs to me. 

I've mailed several letter requesting they validate the alleged debt and produce documentation to substantiate that the debt belongs to me and if it is, to provide written proof that i signed HIPPA releases allowing the protected medical information to be discussed with a 3rd party. Furthermore, I've asked them to provide a copy of their written permission from my to discuss ANY of my protected medical information with a 3rd party such as XXXX XXXX 

They have failed to respond and furthermore have attested to the XXXX XXXX that they have the legal documentation and that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo collected money from me that I did not owe and is still reporting me aa late when the account was paid in full.

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 2021-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, Transunion required me to pay a membership fee to submit a credit dispute. After I paid the membership fee, I proceeded to fill out the credit dispute form. I spent 20 minutes filling out the supporting information, but when I attempted to submit, I got an error stating that there was an error submitting my information. I tried submitting via mobile and desktop several times on XX/XX/XXXX, as well as several days later -- each time with the same error. I tried using XXXX XXXX and XXXX. 

Instead of getting help from Transunion, I continued to receive marketing spam that I did not opt-in for.

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 2021-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I have submitted an offer on the home for a short pay because the home is an underwater loan. I offered to pay the note holder the FULL amount of the appraisal on the property. I've sent letter since last year letting them know I was in financial XXXX and that it was getting harder and harder to pay the mortgage. I was choosing between paying for the home or food on the table. Finally I had to stop paying on the home because the payment was to much. However, if they would have worked with me I have a loan secured to pay the amount I offered which is the appraisal amount. This seems like a good solution to me since it would benefit both parties. I wouldn't lose my home and the note holder wouldn't incur foreclosure fees. I have a loan secured until XX/XX/2021 to take care of this and have told this company numerous times I need to know if this can happen before this date or I will lose my home. I have worked since I was XXXX XXXX XXXX, always had a job and raised XXXX kids. This company is determined to see me lose my home and if it wouldn't have been for this pandemic I don't think this would have ever happen. My whole family had XXXX and we have struggled with the virus and financial problems since the start but I held on as long as I could and instead of helping me retain my home this company would rather see me lose it. I have even told them I have a XXXX son but does that matter. It a sad day in this country when a XXXX dollar company would see a family lose everything it has worked for instead of helping them. I have paid more so much in interest on this loan it's done paid for the money borrowed and then some but XXXX is the new Normal in our country. 
It's not about helping the person that has worked hard all their life. Or to the family that whose husband served in the XXXX to defend their freedoms so they could take advantage of people like me. This company is all about taking and taking!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/21 i sent a letter to trans union, XXXX and XXXX about having the wrong names and addresses on my credit report. they still didn't remove anything. i sent in my driver license and proof of address.

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 2021-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX collected money from me that I did not owe and is still reporting me aa late when the account was paid in full.

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 2021-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
They call me at least 4 times a day regarding a past due XXXX XXXX bill. I am uncertain how I have accumulated debt with XXXX XXXX as I paid all fees prior to termination. When I attempt to answer the phone there is no one there. They have never left a message or sent a physical bill in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
They are reported negatively twice to Each credit reporting agency for the past 3 years causing a double Jeopardy and double the damage to My name as if is 2 seperate incidents causing my score to suffer double the points as it should. Yet both companys refuse to remove any negative reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I pulled my credit report a few month age and i notice some Unauthorized inquiry on my consumer report. I reach out to XXXX, XXXX and TransUnion because this is a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 for unlawfully obtaining my ( consumer reports ). Without my authorization or a permissible purpose is a violation the FCRA See 15 usc 1681b.

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