vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
I had my daughter on XX/XX/XXXX and at the time she was covered by not only my work insurance ( XXXX ) but was also covered under apple health and XXXX XXXX XXXX 
i began getting garnished in XXXX of XXXX when I started my new job for what i had thought to be my car that i sold back to the bank. I didn't look further into this until a year and a half had passed and i kept getting new letters saying I was being garnished. being a single mom working XXXX  plus hours a week it was hard for me to stop my day and look into this as promptly as I should have after finally finding the time to do so i realized that i was being garnished for my daughter 's medical bills. i had been for nearly a year and XXXX had been double covered. when i contacted XXXX they gave me the dates my children were covered, i contacted the finance company who held the debt and proceeded with the garnishment and then contacted the hospital. When contacting the hospital after nearly a month of trying to get in touch with the person in charge in the finance department, she told me " Whoops i guess we spelled her name wrong, lucky you got me. i was about to send these last two bills to collections '' and giggled her way through the conversation. i asked her what about the other bills i was wrongfully garnished for and that began my circle everyone keeps sating contact the other. untimely the hospital got my child 's spelling wrong after forgetting to even give her a name to begin with and then over charged me, not sending me any notices, then garnishing me for money that was supposed to be paid by two insurance companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bmo Harris bank, Deceptive and incorrect marketing causing excessive nfs fees and over draft fees taking advantage of low income clients. 

According to XXXX any deposits made before XXXX XXXX central time will be processed same day. I sent money through XXXX only to be told it would be processed the next day. When I called they said it had to be sent before XXXX XXXX  central time. When I found out they wouldnt credit it that day I went to the atm and deposited more money before the stated XXXX XXXX cut off only to have it also credited the next day. When I called the company they said XXXX was wrong and there was nothing they could do and I would be charged 2 nfs fees 36x 2 plus the fees from my condo company. They took no responsibility and said there was no way they could stop my payment from being reflected. This has caused me indue XXXX hours of running around only to be charged exorbitant fees. They took no responsibility for the web being wrong and said it was in my account documentation.

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 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CORELOGIC INC
State: GA

Complaint narrative:
I am requesting all information regarding XXXX XXXX XXXX XXXX XXXX, GA XXXX.As stated in my previous communication, my spouse filed personal bankruptcy in XX/XX/XXXX XXXX in the XXXXXXXX XXXX XXXX XXXX My spouse is currently in XXXX as a form of Retaliation. After we discovered the excessive Mortgage Fraud on our personal properties the court ensured we lost of properties knowing we NEVER received a loan. Our ID was stolen and our information was utilized to obtain loans for others. We were require to pay HOA dues, Taxes and Insurances. The ring of individuals were basically stilling from us for years and the XXXX added to the theft. The purpose of my spouse filing Bankruptcy was to obtain assistance with the investigation of fraud. The presiding XXXX denied the request several times in order to take possession of the properties for her colleagues. CoreLogic was located to pay the taxes on the home without notifying us, As a matter of fact we traveled to the court to pay the taxes on the homes but, we were sabotaged and the taxes were paid in order for us to not pay them. In other words a third party stole our homes. We are requesting all communication sent to CORELOGIC by the entity who basically sold our property to them via paying of taxes and the amount the entity was paid to obtain possession of the home. The mortgage we thought was our mortgage included both taxes and insurance which came from the Escrow account. Taxes were paid in XXXX. XXXX, XXXX and XXXX while the properties were under automatic stay. WE WERE NEVER NOTIFIED of any tax payments, The name of the individual who contacted CORELOGIC name to be provided. This is totally criminal and illegal. THE XXXX Trustee is definitely involved.

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 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXBalance {$100.00} XXXXBalance {$95.00} DPT EDXXXX-Balance {$2300.00} DPT ED/XXXX***-Balance {$5400.00} DPT EDXXXX-Balance {$7500.00} XXXX XXXX**-Balance {$390.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXXBalance {$590.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance {$590.00}

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 2021-12-08 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: MECHANICS BANK
State: CA

Complaint narrative:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Mechanic Bank Auto to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX/XXXX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2021-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
1-American express refuse to give me waive of interest rate becuase of covid they give it to some other customers, they giving me high interest rate that they call it apr very high.

2-i signed up for XXXX XXXX XXXX and it was like voice phone calls but it was like people cant hear me and i cant hear them i complained many times and decided after long months to cancel but i noticed that canceling the service and dispute and change the card twice not enough to stop this XXXX XXXX from taking fees on my credit card i even got emails from XXXX XXXX that they made sure this service is no longer charge me but yet all of this is not enough ( attached email from XXXX they cancelled me on XXXX and attached American express charging me for XXXX so for example they charge me XXXX XXXX and they refund me, yet they charged me on XXXX where each time i had to contact credit card American express and XXXX XXXX and im tired from these calls so this service make my minimum payment goes up to XXXX $ interest rate is XXXX $ where its double comparing to other credit cards American express use the lowest credit score service i dont use American express card they say they wont waive the interest rate because of covid becuase they see my spending, i dont spend money the spend that they point at my car insurance for six month which i paid it to American express credit card before i pay for the car insurance which both occurred on the same day.i thought this way i make American express happy that i used their credit card instead they put back the interest rate and refuse to remove it since XXXX where i didnt pay attention that they completely stop using the waive interest rate because of covid where as you know car insurance is mandatory not choice and it didnt raise the balance its like the balance stayed the same.but it created activity and plz tell them that its like i paid the car insurance cost immediately to American express where the balance stayed the same on my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08 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: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXBalance {$100.00} DPT EDXXXX****-Balance {$2300.00} DPT ED/XXXX****-Balance {$5400.00} DPT EDXXXXBalance {$7500.00XXXX XXXX XXXXXXXXBalance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$27000.00} ( Original Creditor : ) XXXXBalance {$36.00} ( Original Creditor : XXXX XXXXBalance {$25.00} ( Original Creditor : ) -XXXX**-Balance {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

CAPITAL ONE XXXX Opened : XXXX/XXXX/2015 Balance : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
I was named as one of the person in XXXX XXXX XXXX class action suit me and my mother who has passed away in XX/XX/XXXX ( god rest her soul ) she was my co-signer on my auto loan in Nevada state. XXXX XXXX was aware of her passing and issued me a check for XXXX for the damages in which they decided was a far amount when i recieved the check it said to the astate of my mothers name and then my name with her being dead they should have not even put her on the check and if they where going to do that they should have said or instead of and so i took the cashers check signed the back of the check to my daughter and she depoited to her account with key bank. They emailed her and said that the funds would be released in 5 days and then 2 more, she called the bank and told them who her dad was and how it was his cashers check they said oh we do not cash 3 party checks i stated that it was a cashers check it did not matter.my daughters account had a fraud hold on it ment she could no longer do anything with that account. They held the funds in her account for 30 days. And she had her direct depoist from work put into the same account. She was able to go to the key bank and they wrote her a check for that amount depoisted and she took it up to the teller and they cashed it for her, on a account that was on a frozen account but there was never any fraud done on the account .They where aware that my dad signed that check over to my daughter and it was her account so where is the fraud on the account. 33 days later the funds are gone and her account is not frozen anymore so i called key to see where the funds went i assumed they set it back to wells fargo no they put it into a fraud account and said i needed well fargo to write a hold harmless agreement to release the funds wells fargo said they would do any thing they wanted, but they cashed the cashers check and they can not do anything when they took the money if the money was sent back and the just held onto the check that would be totally different. They cashed it. So if i did not want to do that my last option was i could open astate account for my dead mother etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on REGIONAL ACC. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : REGIONAL XXXX XXXX Opened : XX/XX/2014 Balance : {$5700.00} ; XXXX  XXXX XXXX Opened : XX/XX/2014 Balance : {$0.00}

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 2021-12-08 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2021-12-08 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filled a dispute in regards to inaccurate items that are on my credit report. It has been well over 30 days and haven't received any investigation results

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 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/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 2021-12-08 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: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation