vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 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: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I can not get some details from my bank, but on or around XX/XX/XXXX, someone ( not me ) opened 2 accounts in my name at BB & T ( now Truist ) Bank. I do not know what type of accounts these are, but I assume they are not credit accounts because they have not shown up on any credit bureau report. They may be checking or savings accounts. At some point, these 2 accounts went into default for amounts {$130.00} and {$180.00}. My business checking account ( which I legitimately opened more than 2 years ago ) was offset for the amount that was owed on these defaulted accounts, which is when I found out they existed. At no point was I made aware of these by BB & T, even though the address that was used to open the account was one of my previous addresses ( over 3 years ago ). I have filed a report with BB & T, but the resolution estimate is more than 4 weeks.

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 2021-12-13 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: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following accounts listed below were all opened fraudulently without my consent and Experian is reporting fraudulent accounts which is against the law XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} 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 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: RI

Complaint narrative:
I had an account with Moneyloin and it was paid in full, I went to go cancel it and there was another loan out, I proceed to try and contact them to cancel and they wouldnt. They withdrew over XXXX from my checken account and still taken money out. I reported my card was lost and account was hacked into but they dont seem to care. I would like this fixed and canceled and my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: NM

Complaint narrative:
Letter dated XXXX XXXX 2021 Gateway Mortgage a division of Gateway First Bank is charging {$460.00} to close or wave the escrow account on my mortgage. They are holding money I paid to them for annual insurance and county property taxes. To allow me to pay these annual charges myself they are requiring I pay nearly {$500.00} to stop prepaying these insurance and tax amounts. I have reviewed all the closing documents at the time of the loan initiation and can find no mention of this excessive fee. This predatory practice by a large corporation has no basis or merit for such an excessive charge other than to dissuade the consumer from taking these funds from Gateway and keeping them in their own bank account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
My work income was severely affected by the get-go of the Pandemic and i fell behind since XX/XX/XXXX- I am a XXXX XXXX and visit Clinic & Hospital Facilities ; as of XX/XX/XXXX- I signed for Forbearance for my loan # XXXX with XXXX aka XXXX until XX/XX/XXXX when I was entered into 3-month Trial Period for XXXX, XXXX XX/XX/XXXX -- which I paid religiously on time but XXXX sold my Loan and the new Fay Servicing claims they did not receive any documentation from XXXX showing that I was in compliance and locked Loan Modification for they to continue and honor the agreement. Last documentation with XXXX instructed me to start new payments to XXXX as of XXXX XXXX but XXXX is playing hide-go-seek with me, not returning my Tre-Way-Calls, not responding to my multiple emails and lastly their website is not allowing me to make any payments but instead, they want me to sign a Deed-in-Lieu ( every email i have submitted to them includes the documentation, the Loan Modification duly Notarized and my XXXX XXXX XXXX Statements reflecting the days those payments posted and cleared. 
To help myself avoid all this mess I signed a contract and paid {$750.00} x 5months to XXXX XXXX so-called Real Attorneys out of California, ( Deposit directly on their XXXX XXXXf XXXX Checking Account ) between the months before entering the Trial Period with XXXX, but they just took my money every month and who knows how many other homeowners have been victims of this nonsense - scam - and malicious criminal activities since the beginning of the Covid-19 Pandemic times. I have documentation and all kinds of recorded conversations, receipts, bank statements, and email traces to back my story ; i have the money to make my payments to XXXX but they don't want my money, they want just to take my home away from me to leave me in the cold without roof over my heads because my house is sitting on a pile of equity, it is on a piece of huge land and they want to Foreclosure me to Sell for Big Profit. That there is criminal and can not go unpunished. 
I reported this also to Ms XXXX XXXX at the local XXXX and provided her with all details, emails, documents, receipts, Bank Statements ; someone has to HELP me- Please. XXXX XXXX  XXXX XXXX ( XXXX ) XXXX -- Home XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: TX

Complaint narrative:
i sent out disputes on XXXX/XXXX/21 and haven't heard anything back in 71 days, I feel like im being ignored of my disputes. in section 611 ( a ) its plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove from my credit report, i demand these accounts be deleted promptly or i will file for litigation, my information was also impacted by the Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX* XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX michigan XXXX contact # : XXXX XXXX XXXX XXXX  on monday XX/XX/ 2014 i paid off LOAN. 
i was enrolled in auto-pay for years almost guaranteeing their money each month. 
I ( PAID-OFF ) loan sooner then what was due, but this company put on my credit report negative discrepancies. 
I PAID OFF MY CAR LOAN, PAID MY CAR PAYMENT, EVERY MONTH

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 2021-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I had a Home Equity line of credit with my bank M & T XXXX XXXX XXXX MD XXXX I sold my condo and went to closing on XXXX/XXXX/21. I closed all my accounts with M & T bank because I moved to XXXX  Va where there are no M & T banks. It is now XX/XX/XXXX a full month after the Line of credit was paid off and my accounts were closed, however M & T bank has not yet listed my line of credit account as closed. In addition the loan has a - {$610.00} balance they owe me at the same time they want me to pay them {$95.00} left due on my overdraft protection account. As the checking account is closed I have no way to pay this amount due online. I want these accounts closed and listed as paid in full. My credit score dropped 45 points in 1 day due to this mortgage loan on a home I sold at closing a month ago. I want the left over line of credit funds used to pay the overdraft protection amount due. As soon as possible as this continues to hurt my credit score. I have sent notarized letters requesting this resolution but it has been over 2 weeks since M & T acknowledged receiving notarized letter yet accounts still listed exactly as they have been incorrectly for weeks.

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 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX, XXXX, XXXX XXXX XXXX, XXXX trying to secure money for LVNV who bought a debit from XXXX XXXX XXXX XXXX. They stated that LVNV had received a judgement that the debit was valid, without my knowledge stating that I had made a payment in XXXX, Not true, my father died in XXXX and my money had gone to pay medical bills. I paid a settlement from my father to XXXX XXXX, I spoke with a man who had an XXXX accent and paid. 
LVNV has bought a debt that was closed years aga. I received a letter from XXXX, XXXX, XXXX and XXXX, When I called them I spoke with a man named XXXX phone number XXXX option XXXX, Who threatened me, said this judgement would last for 20 years etc. I had a legal group litigation practice group who challenged the legitimacy of LVNV claim, when I decided to cease the use of the legal group LVNV XXXX XXXX, XXXXXXXX XXXX XXXX showed up again with their terroristic tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: IL

Complaint narrative:
On XX/XX/XXXX of 2021 in good faith I made my payment to XXXX XXXX credit card for the amount of {$40.00} I have use the same bank account for the past year on this particular time there say is they did or verify my account I good faith on XX/XX/XXXX of 2021 I made a payment of {$80.00} I was told the information will not go on my credit report XX/XX/2021 it was showing on my credit report I have ask the credit company to send me a copy of y my payment did not go thru they said no they are not sending me no letter as a consumer I have a right for a copy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc.
State: VA

Complaint narrative:
I need this removed from my credit report. It is stopping me from buying a house at this point. I never owed this money. They have not worked with me ..... Despite what they claim. PLEASE REMOVE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have been a customer with Santander XXXX for about two years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting Santander know of the change and pay off. I submitted a contract to XXXX, XXXX, XXXX in order to prove such occurrence. I even uploaded it online to Santander XXXX and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with XXXX XXXXXXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held XXXX. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with Santander XXXX has been about paying them and holding my report XXXX just so they get there money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: GA

Complaint narrative:
The XXXX XXXX obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XXXX/XXXX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. The XXXX XXXX obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I closed a credit card with Citibank on XX/XX/XXXX. The choice of this date was purposeful, as the membership fee the prior year ( XXXX ) was charged on XX/XX/XXXX ( screenshot attached to this complaint ). I wanted to end the account before the next annual charge. Note that the membership fees are prepaid for the year following the charge, as can be seen by the description of the charge " MEMBERSHIP FEE XX/XX/XXXX'' charged in XX/XX/XXXX, thus on the day I closed, I did not owe Citibank anything XXXX 

I closed the card via phone on XX/XX/XXXX, and was assured by the representative that I would not be charged an annual fee. Citibank sent an email confirming cancellation on XX/XX/XXXX ( attached to this complaint ). Furthermore, at the time of closure, my balance was XXXX and there was no membership fee charged ( I have a screenshot to this effect, as I suspected this would be an issue, given their prior customer treatment ). 

The following day, on XX/XX/XXXX, I was charged a {$95.00} annual membership fee ( which they backdated to XX/XX/XXXX, I have a screenshot showing no charges on that date prior ), despite the account being closed, and despite being assured that I wouldn't be charged. 

I called Citibank back on XX/XX/XXXX, and was told that I would be given a credit on my account to offset the charge. Several weeks later, as of XX/XX/XXXX, I have received no credit to my account, and will be forced to make a payment or have a derogatory mark on my credit report for missed payment. 

On XX/XX/XXXX, I called citibank, and was on hold for XXXX minutes, then a representative hung up on me. I am continuing to get in contact with them, but can not get a hold of anyone who will help me. The representatives can not or will not do anything to help.

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 2021-12-13 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: FL

Complaint narrative:
I contacted Equifax roughly around the beginning ofXX/XX/XXXX through their online dispute resolution center regarding a tradeline they indicate as still open even though the tradeline has been closed sinceXX/XX/XXXX. I performed a dispute of the tradeline XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, LA, XXXX, XXXX ( XXXX ) XXXX ). The dispute response was : " ACCOUNT HAS NOT BEEN CLOSED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *Additional Information *Credit Limit *Scheduled Payment. I contacted XXXX, and they confirm that the tradline has been closed. The updated information for the tradline Equifax provided also shows both the date of last payment and the data of closure as XX/XX/XXXX ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: CA

Complaint narrative:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and Transunion. As well as XXXX XXXX is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 


However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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