vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-25 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: CA

Complaint narrative:
Back on XX/XX/XXXX I opened an account with XXXX which was a loan. After a few months of paying it off, they stopped taking my payments from my account. I attempted to contact them multiple times through email and phone. Every time I contacted them I was either unable to get through to a person or they just refused to help me. 
The account in question is : XXXX XXXX Acct. # : XXXX XXXX This is a pattern with this company as according to the XXXX XXXX XXXX they have received multiple complaints regarding this exact same issue : XXXX  files indicate a Pattern of Complaints concerning fulfillment of transactions, billing errors, and customer relations for XXXX XXXX XXXX XXXX has noted a significant spike in consumer complaints filed since XX/XX/XXXX, and consumers are telling XXXX  about the issues they are experiencing with their accounts and the company 's customer service department XXXX A number of consumers say they have problems making loan payments, experience errors or holds in transactions they attempt when using one of XXXX 's financial products. Other customers claim the confusion and technical issues with their XXXX accounts have resulted in missed payments being reported to credit bureaus ; some of which consumers claim are erroneous and have to be disputed. Many consumers allegedly attempt to contact the company to resolve their problems but end up frustrated and without resolution by the lack of communication by the company. As of XX/XX/XXXX, XXXX  is still noting persistent issues in complaints about account issues ( frozen or closed accounts, credit report errors, missing or delayed application of payments ), as well as numerous claims about the lack of sufficient customer service to address the reported problems. 

I have filed multiple disputes and complaints regarding this company, all of which have been unsuccessful. I have been repeatedly trying to have this issue resolved over the past 3 years but due to XXXX 's deceitful and unlawful tactics, I have been unable to come to a fair resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
several months ago i received a card and checks from hancock whitney bank XXXX  XXXX XXXX 
i called them to dispute the account. They told me that XXXX accounts were started but the second one was stopped inhouse before it was issued. They canceled the one i called about. At that time we discussed the fact that i wanted absolutely no account with that bank, they assured me that no accounts were open and none would be oppened in my name. I contacted federal id theft and filed a complaint with them, and also notified all three credit reporting agencies and froze my credit with them. 
Today i received a bill from the bank for XXXX for checks written on an account # XXXX. 
Today I called the bank and was told that this account was the second account. The one they flagged and did not open. I contacted XXXX, they told me that they have no record of this bank on my credit report, The reason for this compliant is the bank would not tell me how to contact their fraud dept. directly. I have never had a bank honor XXXX of my checks for an amount this large without money in the account. to cover at least the first XXXX but XXXX? 
per the bank no active accounts cover large checks not connecting me to the department i asked for on the call to the bank today i spoke to XXXX call reference # XXXX Please investigate this bank and the way they issue accounts on line and help me resolve my issues with them. 
thank you XXXX XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Yes I deposited a check in my account for my sister XXXX XXXX XXXX. I was told funds would be available XX/XX/2021. The check deposited belonged to my sister and was deposited through the ATM at Truist due to her not having proper identification to get it cashed. So it was signed over to me. I waited and heard nothing. All of a sudden my account wasn't working. The manager said she tried to reach me around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I wasn't able to take my sister to the bank to sign a paper. I had no knowledge of a paper needing to be signed. We thought we did right when she signed it over. Well since then my sister has been XXXX XXXX XXXX XXXX and has been asking have the funds been released yet and they won't release til they get a signature. It's been over a year and I'm her POA as well. We didnt know about signing a XXXX they made my account dormant which isn't fair as well. Please help me get these funds released so I can send some to my sister for the things that she needs while being XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
This is from XXXX and the amount us {$990.00} We have been receiving Bills and now collection notice from XXXX XXXX XXXX. 
I had gone for a regular physical and the doctor had ordered blood work. I had clearly told the XXXX XXXX XXXX, XXXX NJ XXXX ( XXXX  entity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to send the blood work to XXXX XXXX the lab covered by my insurance. They did not send it to XXXX and instead did it at the XXXX XXXX XXXX and are now charging me for it. I am not responsible for their mistake. Especially when this should have gone to a lab covered by my insurance. 
I had reached out to them to inform of this mistake and they Lied to me saying it was send to XXXX. I checked with XXXX and there is no record of any bloodwork for me at that time. 
I sent XXXX XXXX another letter and asked them to correct this error. They did not get back to me and sent a collection notice date XXXX XXXX that I did not receive till XX/XX/XXXX. 
I would like your help in stopping this harassment by XXXX XXXX XXXX or trying to ruin my credit score for a bill that should not have been generated in the first place.

I tried calling Certified Credit and Collection and they disconnect the phone after saying they are helping other customers/. The File number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: CA

Complaint narrative:
Back on XX/XX/XXXX I opened an account with XXXX which was a loan. After a XXXX XXXX of paying it off, they stopped taking my payments from my account. I attempted to contact them XXXX times through email and phone. Every time I contacted them I was either unable to get through to a person or they just refused to help me. 
The account in question is : XXXX XXXX Acct. # : XXXX XXXX This is a pattern with this company as according to the XXXX XXXX XXXX they have received XXXX  complaints regarding this exact same issue : XXXX  files indicate a Pattern of Complaints concerning fulfillment of transactions, billing errors, and customer relations for XXXX XXXX XXXX XXXX  has noted a significant spike in consumer complaints filed since XX/XX/XXXX, and consumers are telling XXXX about the issues they are experiencing with their accounts and the company 's customer service department XXXX A number of consumers say they have problems making loan payments, experience errors or holds in transactions they attempt when using XXXX of XXXX 's financial products. Other customers claim the confusion and technical issues with their XXXX accounts have resulted in missed payments being reported to credit bureaus ; some of which consumers claim are erroneous and have to be disputed. Many consumers allegedly attempt to contact the company to resolve their problems but end up frustrated and without resolution by the lack of communication by the company. As of XX/XX/XXXXXXXX XXXX is still noting persistent issues in complaints about account issues ( frozen or closed accounts, credit report errors, missing or delayed application of payments ), as well as numerous claims about the lack of sufficient customer service to address the reported problems. 

I have filed XXXX  disputes and complaints regarding this company, all of which have been unsuccessful. I have been repeatedly trying to have this issue resolved over the past XXXX XXXX but due to XXXX 's deceitful and unlawful tactics, I have been unable to come to a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: GA

Complaint narrative:
XXXXXXXX XXXX  XXXX changed from XXXX XXXX  in XXXX. Since that time there have been several internal errors that resulted in lates on my account ( number ending in XXXX ). 

My payments were automatically deducted from my bank account. But during their change over, in XXXX of XXXX, they did not remover the payment until AFTER the due date. 

In XXXX of XXXX, I contacted the bank BEFORE my due date and they agreed to defer three payments on the account due to covid. Once again, they did not put this on the account properly and a third late payment was posted. 

Finally, in XXXX of XXXX, the bank raised my escrow amount but failed to notify me. This left my automatically deducted payment, {$500.00} short and resulted in another late payment reported. This was NOT my error. 

I have spoken to XXXX XXXX in the banks ' accounting and reporting department along with a supervisor ( first name XXXX XXXX. They agreed to remove these delinquencies from XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX ... but apparently updating on their system does not update the bureau records. 

Please remove these three delinquencies from my record from XXXX XXXX or delete this item from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25 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:
XXXXXXXX XXXX XXXXXXXX changed from XXXXXXXX XXXX XXXX XXXX. Since that time there have been several internal errors that resulted in lates on my account ( number ending in XXXX ). 

My payments were automatically deducted from my bank account. But during their change over, in XXXXXXXX XXXX XXXXXXXX, they did not remover the payment until AFTER the due date. 

In XXXXXXXX XXXX XXXXXXXX, I contacted the bank BEFORE my due date and they agreed to defer three payments on the account due to covid. Once again, they did not put this on the account properly and a third late payment was posted. 

Finally, in XXXXXXXX XXXX XXXXXXXX, the bank raised my escrow amount but failed to notify me. This left my automatically deducted payment, {$500.00} short and resulted in another late payment reported. This was NOT my error. 

I have spoken to XXXX XXXX in the banks ' accounting and reporting department along with a supervisor ( first name XXXX ). They agreed to remove these delinquencies from XX/XX/XXXX, XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX ... but apparently updating on their system does not update the bureau records. 

Please remove these three delinquencies from my record from XXXXXXXX XXXX or delete this item from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
on Wednesday XX/XX/XXXX I was looking to book a cruise for 2023. XXXXXXXX XXXX advertising in the payment section showed that if you applied for a credit card you would be eligible for a XXXX credit. Nothing about waiting to receive this card or anything like that. I was given only 48 hours to hold my cruise deal I had. So I put in the the application after the application was completed, I was notified to receive my card expedited they were going to charge me a XXXX fee. So, my credit was pulled in anticipation of getting a XXXX credit on my cruise, and the only explanation I have received so far, was that they would look into it. The XXXX customer support person would not transfer me to a supervisor and said that most people just charge it to another card then get a refund from carnival. I told her that I did not have any other card, and only did this in order to get the credit and book the cruise with the offer they had for me. She told me there was nothing she could do. I feel like this was false advertising and now my credit has been pulled, and I will also lose out on cruise deal because of both company 's poor communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have attached Identity Theft Report and Police Report Two crimes happened : Cyber criminals took my info from XXXX, XXXX XXXX Breach and I am a Verifiable Victim of Identity Theft My information was stolen XX/XX/XXXX My info, the law, the crimes that were broken are attached in the case see ( court order attached ) Convergent sent me a letter on XX/XX/XXXX to collect a debt that does not belong to me nor have I ever stayed at the address that is on the bill they sent me via bill. 
The letter states that are trying to collect a debt that is owed to XXXX  XXXX XXXX. 
Convergent Account XXXX XXXX  I sent a debt validation letter dated XX/XX/XXXX A notice to dispute this fraudulent debt 1. Send me a original documents with my ( signature ) listed on it 2. According to Fair Debt Collection Practices Act I requested evidence in support of this claim 3. Providing a copy of all paperwork that show I agreed to pay what they say I owe 4.Provide a a verification or copy of any judgment 5. Prove the Statue of Limitations has not expired on this account 6. Show me that you are licensed to collect in my state 7. Provide me with their license number and Registered Agent or Agent of Service at this time I will also inform you that if their offices have reported invalidation information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by this company or the company that they represent, I will not hesitated to being legal action against you for the following : 1. Violation of the Fair Debt Collection Practices Act 2. Defamation of Character If they continue to report inaccurate information they are in violation of section 809 ( b ) of the FDCPA and FCRA rule 611 and subject to a fine of XXXX  per violation which I intend to pursue Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA I requested written verification of the debt with my SIGNATURE on it and they sent me a copy of someone's bill ( see attached document )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I XXXX XXXX declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, theses misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without any authorization has used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All of this is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: WI

Complaint narrative:
bridgecrest finance car is paid off by carvana due to selling me a car that was not repairable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: U.S. BANCORP
State: TN

Complaint narrative:
I have reported this consumer problem already and have tried to resolve this many times in good faith. 
They sent it to collections after they were contacted by cfpb. They are harrassingly sending letters and calling and laughing at me after they created this debit fraud by their own hands. I was trying to close this account with a XXXX balance when they debited an amount out of no where.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: FL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: FL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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